23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a 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 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 information is inaccurate.
Product: Mortgage

The Mortgage servicer assigned to my account refuses to on board me. They claim to not know who I am. They also claim to not be able to take a payment from me.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered something shockingmy credit report now has inaccurate accounts, and Im baffled as to why. This has never happened before during my regular checks, and suddenly, there are errors I cant explain. I tried refreshing my browser multiple times, hoping it was just a display issue, but the accounts remained. I urgently need the documents I provided to be thoroughly examined so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive contacted both comoanys before and have got no results i want inqurirys removed from my credit report i filed report and see no reason these inquirys are not removed
Product: Credit card or prepaid card

Bank of American credit card. 

I have tried working with Bank of America several times regarding two transactions. 

On XX/XX/XXXX I agreed to reserve a 10 person mobile home for an event " XXXX XXXX XXXX XXXX ''. The 10 person trailer was supposed to be available XXXX XXXX - XXXX, XXXX. Nowhere on the charge does it state it was non-refundable. The reservation was with, XXXX XXXX. The mobile home was supposed to be setup and available at the XXXX XXXX XXXX. The amount charged was XXXX. Credit Card transaction reference # XXXX. 

On XX/XX/XXXX I agreed to purchase tickets to the event " XXXX XXXX XXXX XXXX ''. Nowhere on the charge does it state it was non-refundable. The ticket purchase was through XXXX XXXX. Credit Card transaction reference # XXXX. Please see attached documents. 

It was discovered that XXXX XXXX had fraudulently advertised and taken money for an event that was not going to happen. The owners of the event had been arrested and the BBB had publicly notified everyone of the fraudulent activities. Please see attached documents. 

I immediately contacted Bank of America to ask for a refund. They returned the charge dated XX/XX/XXXX onXX/XX/XXXX but after contacting XXXX XXXX they reversed my credit on XX/XX/XXXX,  citing that XXXX XXXX said the event was still going to go on and all charges were non-refundable. 

I have continued to produced documents and statements of how the event was a fraud from the beginning and do not understand why Bank of America consistently is listening to the owners of XXXX XXXX. XXXX XXXX was updating their website to state all charges were non-refundable after they were found out to be frauds. It is well documented in the news that the owners have been arrested on Federal Charges. 

The last advice I was given was to wait until the event date passed to then submit that the event or services were never provided. 

On XX/XX/XXXX I called Bank of America yet again to state services were not rendered and they told me I could not submit another dispute on the same charges that I had previously submitted and that there was nothing they could do for me. XXXX from TN, their representative said there was nothing they could do for me. It was too old and I had already tried. 

My compliant is that Bank of America is not looking out for it 's customers. This will cause me to use a different credit card who will fight for it 's customer. Bank of America should have looked at the details of the complaints and not arbitrarily listened to XXXX XXXX who are obviously out fraudulently getting people 's money. 

I would like Bank of America to provide me a credit against XXXX XXXX 's account since services were never rendered due to this being a fraudulently offer of services never intended to be served.
Product: Student loan

I have been trying to contact customer service with " MOHELA ''. The voice prompts are lengthy and unhelpful, and I have found it impossible to speak to another human being about the following issues : - Lowering my payment based on my income and life changes. They are still charging me based on my previous application ( before the 2020 COVID pandemic and the loans being suspended ). I now have a child and a mortgage that should affect the rate. 

- I have still been trying to make payments while attempting to reach them to have my payment lowered, AND THOSE PAYMENTS KEEP BEING RETURNED! There is no issue with my bank or my finances. I have been trying to pay them and they do not accept, and instead send me emails stating that I have missed payments and may go delinquent on my loan. I'm trying to pay them even while these other issues have not been resolved. They emailed me saying I have missed XXXX payments as of XXXX XXXX, but when i check my account, they have on record an accepted payment on XX/XX/XXXX. 

- Prior to XXXX and my loans being transferred to " MOHELA '', I never had a single issue trying to pay my student loans. This incredibly frustrating. To be threatened with loan delinquency despite trying to pay them.
Product: Debt collection

This credit card debt is more than 7 yrs old with LVNV Funding, I will have to have proof with my signature that this is my debt. I would like this remove from my credit report if no proof that its me. The company says I owe {$650.00} in which they probably brought it for {$200.00}. I despite this transaction if no proof of my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These are inquiries I do not recall on my transunion credit report. Transunion has not provided me with any documentation providing proof that I applied for these creditors. 
They are violating my rights under the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate credit report.
Product: Mortgage

My mortgage company Shellpoint XXXX has been misapplying my payments. I get paid once a month on the last working day, therefore I pay my mortgage early. I spoke to a lady named XXXX on XX/XX/XXXX and she advised they were misapplying my payments. I have tried to rectify this however they hang up on me, transfer me or supervisors and managers promis to call me back. Supervisor XXXX was supposed to call back on XX/XX/XXXX but did not. It was then escalated to manager XXXX on XX/XX/XXXX. She said she would review the account and call within 24 hours. That did not happen either. Meanwhile, my account is getting further and further behind while they do nothing. Because of this I've spoken to my attorney about giving my house up because I can not deal with this company. However the payments I have paid I still want them applied correctly. I asked if I could speak to someone over Manager XXXX but supervisor XXXX didn't seem to know who that was.
Product: Checking or savings account

I have an account with Capital one Bank. There was {$340.00} in the account that I didn't touch for more than 3 years. When I check my account online on XX/XX/2019. I saw that I was charged {$180.00} by a company called " XXXX '' which I never heard of before. I was also charged {$44.00} for service fee by Capital one bank. I called Capital one bank 's customer service to dispute all the unauthorized charges, he said " We deposited a temporary credit ( s ) totaling {$180.00} into your account today, which are available for immediate use while we're looking into this. We're also adjusting your account ( s ) for any related interest, finance charges and/or fees within one business day. '' on the phone and in the E-mail, but Capital one bank never give me the related finance charges fee back which is {$44.00}, in stead, they charged me another {$8.00} on XX/XX/XXXX. I called them 2 times after the first conversation I had with them. They switch me to 5 or 6 different people for the same issue with no answer still. I asked them 2 simple questions, if I can get my money back for the service charge? was it my fault the minimum balance was under {$300.00} limit when someone stole money from my account without my knowledge? none of them answered my question. they kept telling me I didn't keep my account with minimum balance, the bank has to charge me service fee.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, AL XXXX Employer - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

I contacted XXXX to have them fix balance transfer fee of 4 % to 3 % as advertised on their offer and the zero percent interest charge that they also claim was an error in their system and where charging me. I wonder how many others they have done this too and gotten away with it. I paid the full balance off and asked them to credit the full amounts and that I no longer trusted this company. They refused to credit me!
Product: Credit reporting or other personal consumer reports

I was really stunned this morning when I discovered inaccuracies on my credit report that I cant explain. Ive always kept an eye on my credit report, but this time, errors appeared out of thin air. I tried to refresh the page, hoping it was a glitch, but it wasnt. These errors are still there, and now I need my documents checked properly so I dont have to deal with this stress anymore.
Product: Debt collection

I recently obtained a copy of my credit report on XX/XX/2020 from and the collection agency by the name of Diversified Consultnts reported that I owe {$1400.00}. I have asked on numerous occasions to the collection agency to provide me with something with my bearing signature and I have yet to receive it, the only proof they have provided me is a itemized printout and a billing statement. The itemized printout does not represent verification. Also the name of the statement is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are lots of stuff on report that I've never seen before and every amount on accounts is totally highger and are hiting my report 6 diffenrnt times with one account I don't understad why my account info was givin to another company with no knowledge
Product: Vehicle loan or lease

I purchased a truck in 2023. The price before the extended warranty was XXXX. However when I saw the total price in the contract was XXXX. The warranty costed XXXX. Last XXXX my truck had to repair and I did use the warranty.
Product: Mortgage

Apparently instead of looking at what I provide through the cfpb especially this cfpb # XXXX. Failed to actually do a proper investigation into this matter since 2010. All that has been provided is falsified statements and falsified documents from your company since 2010. And the aquasition and sale of the property was done with the same. 
So actually investigate this issue by looking at the documents I have provided through the cfpb period and quit sending me all the falsified signed documents and statements you have given me time and time again.
Product: Money transfer, virtual currency, or money service

I was advised to close my account due to the fact I don't have a permanent US address. I am a US citizen living overseas. I completed an Account Closure form in apostile form and forwarded it to the bank on the XXXX XX/XX/2022 ( along with transfer details to a new bank ). They received on the XXXX XX/XX/2022. They promised 10 day turnaround. When I called them after nothing had happened for 10 days, they said there were 'delays '. I called today and have been holding for an hour already on an overseas call. I can't transfer the money myself, as their App won't let me as I don't have a permanent US address. They have effectively locked my account with no recourse.
Product: Credit reporting or other personal consumer reports

EXXXX credit agency has violated my rights as a consumer in regards to reporting inaccurate, outdated and misleading information about me. 

i tried contacting the company in the form of a dispute but my pleas have been ignored i informed the company that they are reporting outdated and inaccurate information on me and i asked them to correct the information because its affecting my credit worthiness the company has 7 different names with different spellings 20 different addresses my deceased husband is still listed on my report causing me mental and emotional anguish, 3 different employers and literally hundreds of inquires that i never applied for, i explained that i was affected by the XXXX data breach and that my information was compromised and requested that they delete any inquiry that isnt attached to an open active account
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete this fraudulent account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Nicholas Financial Inc. on XX/XX/2018. I received a letter from them on XX/XX/2018 stating that the unauthorized credit inquiry would not be removed. This is hampering me from getting credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting or other personal consumer reports

The late payments shown do not align with my typical payment history.
Product: Debt collection

Gentlemen constantly calls to make me pay more than I can afford. I informed him I was on XXXX. He constantly tell me that it's not enough. I need to pay more. Because I will take me over 2 years to pay. It's stressing me with the constant calls. From XXXX XXXX.
Product: Mortgage

XXXX XXXX, just to verify your claims in your response dated XX/XX/2020 regulatory case # XXXX XXXX. Why do you waste the paper by sending a copy of Transfer of Service Notice? You like to pad your responses with useless, senseless documents i never asked for so of the 24 pages you sent only one page has responses to the questions, 12 pages were wasted on the Notice, 2 pages were XXXX was Escrow Act History, useless, 6 Bayview loan statements again useless, and one XXXX XXXX Notice from XXXX XXXX.
Product: Credit card or prepaid card

HELLO MY NAME IS XXXX XXXX I AM TALKING ABOUT MY MERCHANT ACCOUNT WITH CLOVER XXXX  XXXX TO REQUEST THE SENDING OF MY FUNDS WHICH ARE FROZEN THE LAST TIME I CONTACTED THIS COMPANY THEY TOLD ME THAT I HAD TO WAIT 2 CONSECUTIVE MONTHS WITHOUT HAVING DISPUTES, TIME HAS PASSED PLEASE RELEASE MY FUNDS SEND ME A CHECK TO MY PHYSICAL ADDRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, SINCE MY BANK ACCOUNT IS CLOSED, SEND ME A TRACKING NUMBER TO FOLLOW UP THE CHECK THANK YOU
Product: Debt collection

I have asked Portfolio Recovery repeatedly to not call. I block XXXX number and they call from another.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I was subjected incorrect credit reporting and I write to dispute these items in my file resulting from the inaccuracy. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an erroneous credit report entries : 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ======EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00}. These items are unknown to me. Also, the information you provided on the account was DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

On XX/XX/XXXX I opened A Capital One Account because the were offering a {$250.00} Bonus.. On XXXX there was a withdrawal of {$500.00} and then on XX/XX/XXXX There was another for XXXX I put in a dispute and i received the money back on XX/XX/XXXX while they were investigating the Issue. On my statement in the memos it shows XXXX XXXX. I now have received a email that states the have found this to a good transaction.. I have asked for proof and they keep telling it takes time to gather this info. They have stated in the email that the funds will be taken out on XXXX Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried to get in touch with XXXX XXXX repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX,, has 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 a 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 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 information is inaccurate.