23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I co-signed a credit card for my daughter who defaulted and never attempted to make payments. The debt has been transferred from collector to collector for the last 6 years. The last communication from the last known collector that I am aware of was 7 months ago by XXXX XXXX XXXX. Today I get a message from my son that my ex husband received a phone call from ARS Collections by someone claiming to be a lawyer XXXX XXXX XXXX in NY that demanded my phone number. I have been divorced since 2009 and have no communication with my ex. I have not received any communication from this ARS company. Nothing in writing, but they contacted my ex. The last collector company had my address & phone number. This ARS company obviously uses questionable tactics. My phone is on the " do not call '' list.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED account number XXXX is reporting inaccurate information : Balance owed, dispute status, last payment, and past due amount. Delete this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX. PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX  XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX  XXXX  OF XXXX  XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$300.00}, XXXX {$0.00}, XXXX XXXX XXXX {$4500.00}, XXXX {$410.00}, XXXX XX/XX/year>, XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/year> when I was routinely monitoring my credit report I noticed that my credit score drastically decreased due to federal student loans being taken out in my name. I attended an accredited college 10 years ago and already hold a XXXX XXXX so this is identity theft. The thief used fake references, phone numbers and email addresses. I have no affiliation with the XXXX XXXX XXXXXXXX and they did not do their due diligence in confirming the identity of the thief before admission to their institution. They did not collect high school transcripts or look at identification. I immediately called XXXX XXXX  XXXX XXXX XXXX, all 3 credit bureaus to report the fraud and dispute the accounts. I had to complete police reports, ID theft affidavits, FTC reports, freeze my credit and a bunch of other tasks. In total {$3500.00} was taken out. 

Since then the XXXX XXXX XXXX continues to collect disbursements on the loan with my personal information with the most recent one being paid XX/XX/year> and has not unenrolled me or investigated this as requested formally in a letter. They also requested I submit personal information such as social security numbers and a driver 's license through unsecure methods ( unencrypted email. ) I requested information about where the money was being remitted and what classes I was allegedly enrolled in and have yet to receive it while the keep me in the " enrolled '' status at their University. 

Transunion denied my dispute request and did not perform a proper investigation even though all the information was incorrect on their report. Again the phone numbers and email addresses were fake as well as the references. I am still waiting to hear back from XXXX and XXXX. My credit score continues to be impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am reaching out to Experian to initiate an investigation into potential identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.
Product: Credit reporting

according to my credit report there is an incorrect information in my profile .Which consists in the following : " XXXX account closed by the consumer '' .It never been closed!
Product: Money transfer, virtual currency, or money service

XX/XX/2024 {$5000.00} wire sent to Fifth Third client account number XXXX OPF number XXXX XXXX XXXX XX/XX/2024 {$5300.00} wire sent to Fifth Third client account number XXXX XXXX number XXXX XXXX XXXX Wires were held at this bank for over a month before I was notified that the client was ineligible to receive them. 
Then, his account was closed, and this bank told him that my bank had to request the funds be returned. They did so on XX/XX/2024. 
As of XX/XX/2024, my bank ( XXXX XXXX XXXX XXXX ) confirmed that Fifth Third has not responded to the wire cancellation request. 
Calling Fifth Third yielded no assistance other than telling me to go through my bank, as they can not provide any other information.
Product: Credit card or prepaid card

Representative lied to me about being able to make reduced payments. I am currently unemployed. Second representative today claimed no such program. Offered for me to pay MORE ( when I already can't afford the minimum
Product: Credit card or prepaid card

Hello, I previously had a credit card account with XXXX XXXX XXXXXXXX. XXXX XXXX closed my account, without providing a reason, about 2 years ago. I had paid the credit balance in full each month. According to my last statement, I had XXXX reward points in my account. XXXX XXXX advertises to this day that your points do not expire. However, when I recently tried to redeem those points, I was told that I only had 60 days from the date that they closed my account to transfer those points. No one from XXXX XXXX informed me of this when they closed my card. In fact, XXXX XXXX did not so much as call me to notify me that the card would be closed and what my options would be. As I understand it, they closed a lot of their U.S.-based cards at the same time, again without notice. 

The XXXX points is worth more than {$1000.00} when transferred to XXXX XXXX. It is grossly unfair, and I believe illegal, for XXXX XXXX  to make a profit from the transactions on my account, provide reward points in exchange, and when the point total becomes too large, cancel my card and recoup the unused points. All without any notice to me. I have contacted XXXX XXXX and spoken with both the rewards department as well as the customer service department, and they refuse to adjust my reward point balance. Please help in any way you can. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - XXXX - Please delete this item immediately. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not delete or update the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all hard inquiries not initiated or approved by me ) UPDATE OR DELETE THE FOLLOWIN ACCOUNTS AS THEY CONTAIN UTILIZATION INFORMATION ( 15 usc 1681 a 2 A i excludes listings of transactions and experiences ) ALL ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I called my bank, Chase, to ask them why hadnt I recieved my deposit that I was expecting today. They then informed me than my account has been restricted. I asked them what that meant, and I was told that my account is being permanently terminated because they can not maintain it and that I signed an agreement stating that they could close my account for any reason they felt necessary. I tried to explain to them that I had lost my job, car was broken down, car shop did a bogus job and my car still has problems even after I paid them {$1500.00} and my insurance paid them {$1600.00}. So I tried to dispute the {$1500.00} payment, explain and fax them the paperwork, but that only lead to them thinking I was being fraudulent. So now my account is closed and they are saying there is nothing I can do about it but come pick up the remaining funds from a local branch.
Product: Vehicle loan or lease

I purchased a car XX/XX/2020 or around that time. With a extended warranty that most service department at major dealerships do not honor 3 weeks into the loan the motor blew I tried to used the warranty going in they claimed not to cover this or that so hey I was stuck with the out of pocket expenses. 2 month as later I received a call from XXXX XXXX XXXX and they said we have to replace your motor they contacted the warranty dept and they said we will pay 2 hours of the 12 hour labor but tear the motor down and we will send a inspector out. A day later I received a call and the guy said we stop working with this company because they failed to pay us several times on jobs we done. I contacted the dealership I purchased the car from and they told me to contact the back thats keep insisting I contact the warranty company that receive payment from me to them every time I pay my car note. They claim the warranty company didnt deny the loan but if the only person that could work on my car is a certified XXXX mechanic in which I would find only at a dealership could work on this car in which the company itself does not accept this warranty its useless and I explained over 10 times. The bank is scared to lose relationship with the dealer because they able to make 30 % or more interest off its customers. Now Im stuck in in the middle of do the right thing or profit off a company that been making us a lot of money ripping off consumers. Inspire of me losing my job and will be homeless once XXXX left the eviction hold I still managed to pay my note and insurance my kids missed XXXX. When this car broke down I was in the middle of no where stranded for two whole day with no food no water no phone because the area had no service. And all credit acceptance keep saying call the warranty department not once trying to contact the dealer to see why did the motor go out in 3 weeks as long as they get they 30 % and the dealership keep sending them business thats all they worried about. Its a pandemic and the bank is taking advantage to the fullest and would rather make a dollar then to satisfy consumers
Product: Credit card or prepaid card

This issue relates to how Bank of America Fraud Department handled one specific fraudulent charge in my fraud claim. 
1. BofA did absolutely no follow up or due diligence on this specific fraudulent charge ... no request for a chargeback from the merchant, no call or query to the merchant. Yet during my calls with the bank several representatives stated that they had followed up with the merchant. That was untrue, something that became clear much later 2. Despite the complete lack of investigation or information, the bank denied my claim for this charge, twice 3. I personally spent many hours, 16 frustrating calls with long hold times to BofA, and several calls to the hotel to investigate on my own 4. I had to personally arrange for a phone meeting between myself, BofA, and the merchant general manager to break through BofA 's stonewalling and its broken business process 5. I also had to submit a formal complaint to BofA 's Chief Client Care Executive ( XXXX XXXX ), see website : https : //www.bankofamerica.com/customer-service/contact-us/feedback-form/ 6. 

Only after all of this did the bank finally agree that this charge was fraudulent and issue a credit. 

I've been a loyal BofA customer for over 40 years until now. This experience goes beyond betrayal. No more. If anything, the bank should pay me for the 15+ hours I spent doing the investigation that they should have done. 

It is an absolutely abusive practice to deny a claim for a fraudulent charge without any investigation for the specific charge.
Product: Credit reporting or other personal consumer reports

I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXXXXXX XXXX XXXX However, after speaking with a supervisor on the phone at the bank on XX/XX/2023, I was told that XXXXXXXX XXXX  only reports 60-day late payments and not 30-day late ones so I don't know how this was even possible. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and reassured me that this incorrect information should be removed from my credit report. To substantiate this, XXXX will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed from my credit report and updated accurately at the earliest.
Product: Credit card

For years I have auto pay set up on my Bethpage Credit Union account credit card it was never a problem. In XX/XX/2023 they kept reverting my payment and not accepting it. I spoke to the bank and they couldn't tell me why my payment was not going through. A representative helped me through step by step on setting automatic payments to make sure I had the correct account number and it still didn't work. I had to make phone payments for XXXX and XXXX with late fees when it was never my fault. Since the auto payment didn't work through Bethpage, I set up a payment to go out automatically through my primary bank. They submitted a payment on the XXXX of this month and provided me a confirmation # and the payment was deducted from my primary account and once again the payment is not posting on my Bethpage account making me delinquent on my account. The money went somewhere but they can't seem to know where. I have tried to speak to a Manager and it has not worked. My credit is getting hit to no fault of mine and they don't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

For : XXXX, Transunion, XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.
Product: Debt collection

On XX/XX/XXXX, I successfully settled with XXXX XXXX ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with XXXX XXXX for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is XXXX XXXX XXXX XXXX. still reporting the forgiven balance as past due?
Product: Debt collection

I was not aware of debt until I checked my credit report and saw XXXX notices from BYL Collections on my XXXX report. I then filed a complaint with Consumer Protection and the XXXX After much back and forth with BYL through the XXXX, it was discovered that BYL had sent notices to an incorrect address and never sent me any notice of any debt and therefore made no attempt to ( 1 ) collect a debt and ( 2 ) no due diligence to ascertain my correct address prior to contacting XXXX BYL therefore stated that they would remove the information from my credit report. However, I have disputed the information with XXXX and each time BYL verifies the debt to them and denies removal of the debt. I have a statement, in writing, through the XXXX of greater Washington from BYL stating that the derogatory marks would be removed once payment was received. Payment was sent by the company making payment on the account at the end of XXXX. BYL needs to find out if payment was made to the original creditor. So, besides the fact that they never gave me notice of any debt that was owed ( neither did the original creditor ), they also have reneged on their agreement to remove the information from my credit report.
Product: Credit reporting or other personal consumer reports

I sent information regarding the correct address and name with no response. Please remove all inaccurate date it is effecting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I pulled my credit report from XXXX  and Experian and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and Experian directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Product: Mortgage

My fiance and I currently own a home together, we have for the past 3 years. Our names are held jointly on both mortgage loan and title. Not being legally married was not an issue with my current lender. We are in the process to refinance with a VA backed loan. We applied jointly for the VA loan, and were denied on XXXX XXXX, XXXX since we are not legally married. So, we went ahead with the loan application with only my fiance 's name on the mortgage. I was told that since both of our names are already on the title of the house that that wouldn't change ... my name would still be on the title of the home, but not the refinance loan. I was ok with that. But I get news yesterday ( XXXX XXXX, XXXX ) that in order to close on the loan, the VA wants to take my name off the title and list only my fiance 's. We already own this home jointly. I feel that I am the victim of discrimination based on marital status. I have done some initial research, and everything I have found so far says that it is illegal to discriminate based on marital status. The ECOA, FHA, and FCRA all state that this type if discrimination is illegal. Can you help me in any way to find out what I can do about this?