23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by Bank of America ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.
Product: Checking or savings account

CHASE DEBIT CARD Denied XXXX unauthorized charges on my card : {$42.00} twice on same day. 
XXXX was stolen and replaced by XXXX. They first issued XXXX credits and then charged them back without any reason other than they were authorized. They were not. 
I gave them the name of the person I am sure did it ... and other unauthorized charges on other bank cards. 
I spoke with a branch rep and he said he would re-submit my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMCOL SYSTEMS INC Account # : XXXX Date : XXXX XXXX, 2015 I have a collection account on my credit report from AMCOL SYSTEMS INC. Please be advised I am disputing this collection due to the fact the AMCOL SYSTEMS INC does not currently have a valid license to collect debt in the State of North Carolina according to the North Carolina office of financial regulations, I am requesting that you delete this account from the file or provide me physical proof that you are licensed to collect debt in North Carolina. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and GM Financial agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, GM Financial, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Product: Credit card or prepaid card

I have a carecredit account through Synchrony Bank. The card allows for the payment of medical bills, with a 6 month interest free grace period on all charges over {$200.00}. If the promotional purchase, as they call it, is not paid in 6 months, they charge an extremely high rate of interest. 
I attempted to make a payment via my husband 's bank account on XX/XX/XXXX through the website, but an error occured and my payment did not go through, but I was not notified until XX/XX/XXXX of this, which caused my promotional purchase to expire, therefore causing the account to be billed with XXXX dollars in interest. I contacted our bank and was informed my information was correct and there were sufficient funds. I called carecredit and was told that if I paid by XX/XX/XXXX, they would reverse the interest charges. I immediately paid them {$6000.00} from my bank account, which went through with no issues. 
Since then, I have made about twelve calls/online chats with carecredit, and the issue has still not been resolved. I was told on one of the more recent calls that I would only receive reimbursement if I paid an additional XXXX dollars. I paid that, and requested that it be allocated to the expired promotional purchases and that my interest be refunded, as promised by multiple carecredit representatives. They did not allocate the money properly, so my account is still incorrect, and I still have not recevied reimbursement. 
They allocated the money to purchases that expire in XXXX, so if they money does get adjusted properly, it will cause me to incur interest on the XXXX payment, which I am ready to pay now, but can not due to how they have allocated everything. It would be on promotions ending in XXXX and I would have to go through this all over again.
Product: Credit reporting

A company has been reporting an closed account as open since XX/XX/2014 on my credit report ( equifax ).
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

15 USC 1681o XXXX XXXX, opened on XX/XX/XXXX, was closed on XX/XX/XXXX. It is not mine and should have been removed. XXXX XXXX XXXX, opened XX/XX/XXXX, closed on XX/XX/XXXX, is not mine and should have been removed. XXXXXXXX XXXX XXXX XXXXXXXX, opened, XX/XX/XXXX, is not mine and should have been removed. SXXXX XXXX XXXX opened on XX/XX/XXXX, is not mine and should have been removed. XXXX, opened XX/XX/XXXX, is not mine and should have been removed. According to FCRA 605B I do not give permission for them to report this information.
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries to be deleted off my credit report because I did not authorize this company to run my credit.
Product: Debt collection

In XX/XX/2018 four new installment accounts appeared on my credit reports ( XXXX,  XXXX, and XXXX ). These accounts are listed under creditor Dyck O'Neal and each is being reported on my XXXX, XXXX, and XXXX  accounts as greater than 120 days past due each month. After doing my research I have found that Dyck O'Neal is a collection agency that buys old debt. After expressing that I do not have an obligation to pay Dyck O'Neal I have not been able to have the installment accounts removed from my credit report. Rather than report the accounts as the collection accounts they truly are, Dyck O'Neal is listing these accounts as installment accounts and/or unsecured loans and reporting those loans as past due each month. These collection accounts are made to appear on my credit report as though I took out a loan with Dyck O'Neal and grew significantly behind in my payments.
Product: Mortgage

According to our original mortgage documents, our mortgage was vested at 80 % as of XX/XX/XXXX and 78 % as of XX/XX/XXXX. According to the law and our mortgage documentation, our PMI should have been automatically removed as of XX/XX/XXXX. 

At this point, our lender, Shellpoint mortgage will not remove PMI. We have contacted them repeatedly over the last XXXX years asking for them to remove PMI and they always have an excuse why it is not possible. 
They now claim that we were late for a payment in XXXX which makes our loan ineligible, but the PMI should have been removed before XXXX to begin with. ( BTW, that late payment was when they erroneously put us into forbearance instead of the deferment we requested due to XXXX. Now they are using their mistake against us. ) We would appreciate any help that could be given with this matter Many Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

l am writing to formally dispute a fraudulent account that has appeared on my Experian credit report. Upon reviewing my credit file, I have identified an account under the name XXXX that I did not open, authorize, or have any involvement with.
Product: Vehicle loan or lease

I understand that a compliant was just filed on this exact company. considering new information this matter needs to be settled immediately. By law EQUIFAX are required to investigate anything that is furnished on my consumer reports. On XX/XX/XXXX EQUIFAX has concluded that this XXXX XXXX XXXX XXXX IS Verified AND ACCURATE. EQUIFAX has failed to share what method was used to investigate this fraudulent auto loan, and how the company concluded that this XXXX XXXX XXXX XXXX is accurate account? I'm aware that EQUIFAX abusing the FCRA law has caused damage to my character and credit file by the company allowing fraudulent accounts to remain on credit. XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate XXXX, Equifax, and XXXX for allegedly failing to address consumer disputes during the pandemic. CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. The subcommittee found that Equifax changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. As a consumer how can I trust EQUIFAX to conduct a thrall investigation and delete negative items. 

COMPLIANT # XXXX EQUIFAX : RESPONSE Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ACCOUNT HISTORY Trade
Product: Debt collection

I went to XXXX XXXX once. I paid a fee on the day of the appointment. The office was suppose to bill my insurance company. The office did not bill the insurance, and sent my account to collections. I notified the collection agency that my account should have been billed to XXXX. XXXX XXXX finally filed my claim. I owed an outstanding balance, which I quickly paid. However, I refused to pay the late fee. I wrote in my letter that I would make payment in full less the late fee. I wrote that the check enclosed would constitute payment in full. The collection agency accepted the payment but billed me again for a late fee, and the late fee had increased. I wrote them back again explaining that the late fee was not my fault, XXXX XXXX failed to file the claim. The collection agency sent the late fee claim to the credit bureau and my credit score has decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized
Product: Mortgage

We have been trying to settle the Estate of XXXX  with XXXX XXXX XXXX ( Texas ) XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan # XXXX. The party listed on the loan XXXX is deceased as of XX/XX/XXXX, I XXXX  am the personal representative for the estate. I have made several calls and emails to be added to the account so that I can enter a forbearance agreement with said company and am told every time that they can not talk with me. Today I spoke with XXXX XXXX XXXX ext XXXX and was told the same thing. I live in the mountains and must travel 2 hours each way to attempt contact with them. I have hired a realtor to list the home for sale on XX/XX/XXXX but still have no info on the home or the loan. They have received everything they have requested multiple times with no resolution only that they can not speak with me and no one in the specialty department can speak on the phone. I need assistance to get this matter resolved as soon as possible. This company has been the worst I have ever had to deal with. 

Thank you, XXXX
Product: Vehicle loan or lease

Harley has reported {$1500.00} income to the irs that they never issued to me which has now got my taxes audited for not reporting income I never received.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized for them to be placed on on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}
Product: Credit card or prepaid card

I have a Bank of America visa Card through AAA. 
I have been making above minimum payments on what was a {$3300.00} debt. 
for a year. The Balance has not only not gone done at all but has increased. 

During the same time period I also incurred a {$3200.00} Debt with XXXX XXXX XXXX and have been making payments on that. THAT balance has decreased {$1200.00} B of A has been charging me so much interest that my payments do not always cover the interest even though my payments are over the minimum. They are charging over 30 % interest.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice that your continued failure to maintain accurate credit reporting is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to FCRA 602, consumer reporting agencies are required to handle their responsibilities with fairness, impartiality, and respect for privacy. Your failure to follow these guidelines is not only frustrating but also unlawful.
Product: Credit card or prepaid card

I was trying to get my card enroll again in XXXX XXXX and my XXXX deleted all of my credit cards in error and I received the code twice in one day and the third tile the customer service had a problem adding it again and they keep putting me on hold for hour and transfer me to different depts and Im very busy guy and I dont have time to be on the phone dealing with this I need to pay my bills and work and get on with my life and then they brought up and said my social security number is wrong and I need to verify it over the phone but I explain to them I received codes from them in past and I was approved for this credit card back in XX/XX/2020 and paid my bills and its reported to the credit bureaus I just want my credit card to added to XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of a sudden I go to jail I have a XXXX XXXX XXXX card, XXXX XXXX and also a XXXX XXXX one some one claimed to be my wife and I don't have no contact with her or know her she been using my line of credit as her cable bill sale phone bill also got card under my name just today she attempt to do it again and did
Product: Debt collection

XXXX XXXX has continued to contact us after we told them that the person they were trying to contact was not at the number they were calling they called us XXXX times within one hour on a sunday XXXX we advised them if they continued to call we would file a complaint the names of the persons that called us were XXXX XXXX and the XXXX time the person was very hard to understand very poor english XXXX XXXX we believe
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Citibank asking to be removed from market materials. I continued to receive market materials a month later and filed a formal complaint with CFPB ( case XXXX ). Citibank sent me a follow up letter on XX/XX/XXXX addressing the complaint and confirmed that my name was removed from their marketing database. Around XX/XX/XXXX, I received market material from Citibank. On XX/XX/XXXX, I received additional marketing material from Citibank. I left XXXX XXXX a voicemail ( Executive Response Unit that was listed on the Citibank letter XX/XX/XXXX ) informing her that I have started to receive marketing material, which is in violation of their agreement with me. I also stated that I would again be filing a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

revvi/mrvbanks/vt ran my credit without my permission I advised them i am a victim of identity theft this been pass 30 days and it is still on my credit report. 

XXXX XXXX XXXXXXXX ran my credit without my permission this is my 3rd time disputing the information and it is still on my credit report. 

XXXX ran my credit report without my permission and i spoke with them about it and they advised me that it will be removed this been pass 30 days
Product: Debt collection

This company is attempting to collect a debt which been sold in order for the seller to circumvent arbitration and it's proceedings. There is no sell or trade of the factual account in the originated arbitration just information such as phone email text buy no mention of selling the debt to a XXXX  debt collector.
Product: Credit reporting or other personal consumer reports

I checked and reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Product: Credit card or prepaid card

Chase offers XXXX XXXX XXXX XXXX. I availed the card XXXX and booked ticket for my wife on XXXX XX/XX/XXXX with XXXX via XXXX using the chase card for to and fro ticket for travel to XXXX between XXXX XX/XX/XXXX and XX/XX/XXXX. We paid {$1000.00}. 

My father in law had final stage XXXX so my wife wanted to see him. In XXXX I got a call from XXXX that his condition was worsened and therefore I had to send my wife to XXXX on a different ticket because changing XXXX ticket on new days was costing us additional {$3000.00} as difference amount while a separate itinerary costed us {$2300.00}. My wife traveled between XXXX XX/XX/XXXX to XXXX XX/XX/XXXX to XXXX on different ticket. 

XXXX / XXXX refused to refund or extend ticket to different date. So for trip protection as per card policy, I filed online claim with Chase online portal eclaimonline on XXXX XXXX with claim ref XXXX. I submitted every single document they needed right on XXXX XXXX. 

Every time I login, I would see a message that claim would be assigned an investigator and adjudicated in 5 days but those 5 days are now till XXXX XXXX. While I am told that the claim in on the way to be paid, I am told that there are staffing issues with Chase to process claims. 

If someone is contracted to provide service, staffing issues should not be something customers have to suffer for.

I wrote to chase CEO office on this on how they are going to fix this but so far I have not got any suitable response on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer purchased XXXX Insurance for loan. I became ill, was hospitalized, and unable to work. Declared XXXX XXXX by SSA. Insurance responsible for paying off the loan in full. This debt has been listed on credit report longer than 7 years. If you can not correct the misinformation, please remove the 7+ year old account from my credit history.