23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After my NC foreclosure funds ran out I called BOA for assistance. After XXXX missed payments I was told that I would need to fill out some paper work. I couldnt find XXXX for a few months, boa told me he was dead of course he wasnt. I missed XXXX payments, found husband, sent papers in, kept getting letters saying they were working on it. paid them XXXX payments XXXX and BOA tells me my payments were going to be XXXX, I asked counselor where did they get the numbers to work with to determine this was to be my amount. No answer..I fell at work XX/XX/XXXX on XXXX XXXX. I told counselor I could not make those high payments, she said you can modify 2 times in 5 years. XXXX sent to me again, questions were to be answered by signer was not told that so I sent in my information. counselor called she said we need for me and XXXX to write hardship letters and each sign the other ones papers. Again I asked what financials were used to get this amount, they used XXXX income from XXXX, when he was making XXXX a hour, for the last 3 years XXXX has been in WV, he said in XXXX he made less than XXXX, XXXX he got less than XXXX he did not file, his employers said they mailed them and then business was gone. XX/XX/XXXX he stated he started at a XXXX XXXX and has worked 4 weeks at XXXX a hour. 
I have called various banks and mortgage lenders and they state they get credit score and tax papers for doing a modification, not financials from 9 years ago. Im back down to losing my home again, i was told also to check into HAMP. I am so sick of playing cat and mouse with this bank. I was seriously injured on my job, no medical offered at that point, retained PI lawyer, they wont return phone calls, he has to file with State of NC for them not returning his calls in regard to my injuries looked at. BOA is stressing me out. I know BOA is the worse bank to deal with especially using old information
Product: Credit reporting or other personal consumer reports

I have previously dispued multiple accounts multiple times with eqifax experian and trans union for inaccuracy and discrepancies that are negativly impacting my ability for credit. Non of the account have correct payments info balance or personal identification. I'm am reaching out the 3 credit Bureaus failure to comply with The Fair Credit reported act and response to my recent disputes regarded in accuracies in my credit report I submitted a dispute over 35 days ago concerning several discrepancies on several accounts currently listing on my credit reports and XXXX transunion and XXXX has not made any correction nor provided a satisfactory explanation for the I believe experience has violated multiple fcra Provisions including the duty to investigate correct inaccuracies and communicate the results of their investigation in a timely manner right accounts in question are violations of FCR 15 USC 1681 and XXXX XXXX transunion.
Product: Debt collection

The ice maker on my refrigerator was broken. I called XXXX XXXX XXXX. The technician arrived. He told me the engine that runs the ice maker needed to be replaced and offered the XXXX Warranty Plan for a reduced price, I agreed. The plan covered a maximum of 5 appliances. I have other appliances in the house, so it made sense. During the visit, the tech wanted to send information to my smart phone. I do not send important information through my phone and told him if he would send to my email, I could access on my PC. ( I am working from home ). He ordered the part ; I gave him a check for {$630.00} and the technician left. After he left, I viewed on my email two service alerts for two dishwashers. Like most people I only have one, and the receipts were for brands I do not own, XXXX and XXXX, I own XXXX. Also, there was an email receipt for the order of an ice cabinet '' not the " ice maker engine '' that I was told I needed. Also, as I moved through the legitimate receipt, there are also two more receipts for the dishwashers, that I do not own ; charge {$0.00} for both. I was charged {$410.00} for labor, {$200.00} for the ice cabinet and {$12.00} for repair costs a total of {$630.00}. This, I assume was the price of the warranty. Although the tech was at my home for over one-half hour, he did not look or evaluate my XXXX dishwasher XXXX As I looked at my emails, and did not see the " ice maker engine '' on the receipt, but the cabinet that houses the ice, which I did not need, but no ice maker. I thought something was fishy going on. I immediately called XXXX Home Services and cancelled the warranty. The associate told me I had to call the next day because the techs ' information would not be downloaded in the system until 24 hours had passed. I called the next day and cancelled and put a stop payment on my check. Which I believed I could resolve that day. I have tried many times to pay for the services rendered, but to no avail and to return the ice cabinet. I was met with representative after representative telling me I will get a bill in the mail and a return sticker. Now, on XX/XX/XXXX I get a letter from a collection agency stating the transaction could not be processed, and reasonable steps would be taken to secure payment. I am accountable for the " ice cabinet '', priced {$200.00} and the service to my home, but the {$410.00} for labor, which was the discounted price of the warranty, when no one looked at my dishwashers that do not exist is absurd! I believe I am not the only one to fall for this tactic. The main objective is for the technicians to sell the warranty plan. And they go to deceptive lengths to do so. This is now on my credit report. I will pay the {$630.00}, but I would like an adjustment for the labor charge and to have this stain off my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name - XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

Diversified consultants placed a collection on my credit report for XXXX for XXXX XXXX XXXX return equipment fee. XXXX lost the equipment but found it when I called with a tracking/reference number from XXXX. XXXX agreed to remove the charge from my bill. I have since had to call several times about the matter and can not gain any resolution.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relatesDid I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM XXXX. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.
Product: Debt collection

I did not apply or sign any loan with this company. I would like for this to be remove from my credit report if they have no info about this account. 

Email XXXX TrueAccord account number : XXXX Phone Icon Phone ( XXXX ) XXXX ( TTY XXXX ) We are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX
Product: Consumer Loan

Account Information : XXXX Dodge Ram truck was asked to be picked up by Chrysler Capital XX/XX/XXXX due to a complaint filed with the Texas Attorney Office due tofraudulent signatures offered at sale of truck from XXXX XXXX of XXXX, Tx. Nowa year after Chrysler Capital took possession of vehicle and sold truck. A collectioncompany on their behalf has put erroneous credit bureau information on all XXXX majorbureau 's expecting a balance of {$15000.00} dollars in after market sale to auction of a contract forged for sale.
Product: Credit reporting or other personal consumer reports

I want to be absolutely clearI did not authorize this company to pull my credit report, nor was I aware of any legitimate reason or transaction that would justify them accessing my credit. This inquiry is in violation of the FCRA, which requires that credit inquiries be made only for permissible purposes, such as a transaction initiated by me or for a credit application I have made. As there was no such authorization from my side, this inquiry should not be on my credit report.
Product: Credit reporting or other personal consumer reports

l regarding a list of inaccurate closed accounts here is the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I got a text saying there was a suspicious activity on my account from " Bank of America ''. I then received a call from Bank of America ( an actual veruified Bank of America XXXX ) asking me to verify the activity. The man on the phone said he had to shut down my card and pin and send me a new one. Then he had me give him XXXX codes over the phone, and XXXX I had to log into my account and put it in to confirm it was me. Then he gave me his phone number ( XXXX ) and a fake name. After that a transfer of {$5200.00} went through, I called him back on his actual number ( I think ) and he answered saying " Bank of America, how can I help you? '' I told him what happened and he said he would stop the transfer and gave me a fake claim code. I then called Bank of America 's number back a few minutes later to confirm my claim because this all felt suspicious. They had no record of any of this. They told me it was a scam and that because it was over 30 minutes, they could do nothing except file a claim with XXXX bank, who received my money. I filed a claim and the transaction still went through! I called XXXX and they said they could not help me. I filed with the FTC and police and no one is helping me! Bank of America says I have to wait 90 days and fill out some form, which they have not gotten to me yet. Now I have no money in my account. On top of this they charged me a {$30.00} transfer fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & ^^^^^^^^^^^^^^^************** **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX***
Product: Debt collection

SEE ATTACHED - I WANT TO ADD THAT WHEN THE LAST OF THE DOCUMENTS(Tax Returns, see attached) REQUESTED BY THE LENDER/ SERVICER WAS RECEIVED ON 1/19/22, THEY HAD NEVER SENT ME AN UPDATED LIST ON DOCUMENTS THAT WE "RECENTLY" NEEDED.
Product: Credit card or prepaid card

I received a pre approval letter in the mail. I went to conns.com/activate to activate this offer. If you go to that url you can see it clearly states that it will have no impact to credit score and on the second page the form said no hard credit pull would occur. I completed and submitted that form and it gave me a message that said they could not approve me without a hard pull and gave me a button to click as well as a phone number to call to authorize a hard pull. I did not click on that and closed my web browser. However about two hours after this Conn 's performed a hard pull on my credit without my authorization. It appears someone at a store pulled my credit without my authorization.
Product: Debt collection

There was an ORAL TRADE FOR LABOR agreement between myself and XXXX XXXX XXXX back almost XXXX years ago now for an exchange of labor services for XXXX work. 

He let me do ALL of his XXXX work in exchange for no bills promised on XXXX work and sent me to collection almost ten years later. 

I 've notified the Credit Bureau of Louisiana that the debt is invalid as I never agreed nor signed to any charges what so ever with XXXX XXXX XXXX ( nor would I have ever agree to pay his prices in the first place, I was a broke college kid ). 

They sent me a copy of what looked to be a Word Document with no signature proof, no verbal proof and no authorization from me what so ever for authorization of a charge/contract. 

The credit bureaus have been removing this, and the CBOFLA keeps adding it back on after it has been disputed off, which is illegal as well as far as I 'm aware. 

CBOFLA is the Credit Bureau of Louisiana for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XX/XX/XXXX Balance : {$5000.00} XXXX XXXX XX/XX/XXXX Balance : {$15000.00} ALLIANT CU XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XX/XX/XXXX Balance : {$18000.00}
Product: Credit card or prepaid card

I am requesting that American Express increase my limit back to XXXX. I have been a client of Amex for 5 years with XXXX personal credit cards, and one business card. A few months ago, Amex decreased my credit limit to XXXX. It is important to note that I was never late on any of my Amex accounts, and I never held a huge balance even though this card was XXXX. I was informed that Amex performed a soft pull and made a decision based on balances on other cards that have since been paid down, and a late payment reporting on an auto loan which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus. If someone from Amex would have reached out to me prior, then they would have gotten this information from me, and we could have avoided this. I will be submitting my credit card statements, bank statement, notice of lawsuit, and the reconsideration letter that was faxed to Amex. My bank statement will show that I am more than capable of making monthly payments, so I am frustrated that I am even going through this process. I love my relationship with Amex and would like to continue to grow with them. I have no desire for a credit card with that low of a balance. Please increase my card back to {$12000.00} as this has been a miscommunication.
Product: Credit reporting or other personal consumer reports

i already sent all my information around 2 months ago, driver licence, ssn bill, i called them around 2 times i sent by the system my documentation. and nothing i can get my report, i try to buy a house and the bank can get my credit report. please i need help
Product: Checking or savings account

I've been disputing my transaction since the end of XXXX and I've been denied with no reason of my disputes being denied they just sent me something saying my dispute has been closed like XXXX the XXXX and I've been fighting the end of XXXX. And this is my unemployment banking with US Bank ReliaCard. I noticed some unusual transactions that was made on my account with {$1000.00} withdrawal with XXXX XXXX  transfer and and all kinds of other XXXX transfers along with a cell phone payment and a XXXX XXXX XXXX XXXX they did refund back the money from XXXX  transfers and the cell phone in XXXXXXXX XXXX  but the cash withdrawals that were taken out of my account was not refunded and you can see how it is it's {$1000.00} {$100.00XXXX XXXX XXXX XXXX. They refund my XXXX  but not the cash withdrawals and it just looks so suspicious like you could see it it's all together so I canceled my card ordered a new one and the card that I was waiting on was stolen out of my mail and they were able to take out two XXXX cash withdrawals and a XXXX $ XXXX. And they did a few online XXXX XXXX  transfers as well. I wrote letters on my behalf, I made a police report, I disputed them on time I even sent in bank statements from my XXXX account that I never even made any of those transactions everything that they had taken out of my account there's a XXXX charge with it. And since my account shows that I didn't make any of those transactions on my XXXX  account. I didn't think they would have a problem refunding my money back to me.
Product: Debt collection

SYNCB/CARE CREDIT Date Opened XX/XX/XXXX Updated XX/XX/XXXX Account # XXXX The account was sent to a collection agency and the collection agency was paid in full. My credit report does not reflect that the account was Paid.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/XXXX, a person by the name of " XXXX XXXX '' called me from XXXX about case # XXXX. 

This case is about two issues as I clearly explained to XXXX : 1 ) Wells Fargo Freezing my checking account ending in XXXX in XX/XX/XXXX and then closing the same account in XX/XX/XXXX without any reason given. This falls under the Consent Decree CFPB has with Well Fargo dated XXXX XX/XX/XXXX. 

2 ) Wells Fargo making incorrect late payment reports to credit agencies about my Auto LoanXXXX as well as late fees charged. 

XXXX XXXX called again today, XXXX XX/XX/XXXX at XXXX asking about " fraudulent checking accounts in my name ''. I have to ask what does this have to do with the issues at hand??? 

I explained to XXXX XXXX clearly on XXXX XX/XX/XXXX at XXXX that I am requesting mediation for 1 ) my checking account ending in XXXX that was frozen by Wells Fargo ( XXXX XXXX XX/XX/XXXX ) without explanation. 

2 ) Incorrect late payments reported to the credit reporting agencies on my auto loan as well as late fees for WF auto loan account XXXX. 

XXXX hung up on me. 

It is clear Wells Fargo refuses to address the claims I have under the CFPB consent decree with Wells Fargo dated XXXX XX/XX/XXXX for freezing/closing my checking account ending in XXXX and the incorrect late payments on my credit report and late fees charged. 

I am making this last attempt to request mediation. Should Wells Fargo NOT move forward with mediation, I will file a lawsuit. 

I have done my absolute best over the last three weeks to resolve these issues as outlined in the Wells Fargo Consent Decree with CFPB dated XXXX XX/XX/XXXX. 

I have all the documents and witnesses to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Experian that my phone number is not and never was XXXX. Experian refuses to remove this phone number from my account. This is illegal! I've contacted all my banks and lenders who say they have never associated this phone number with any of my accounts.