23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a Bank of America XXXX XXXX Signature Visa card making my first charge on XXXX/XXXX/XXXX at which time I was awarded a credit line of {$17000.00} and immediately charged a {$75.00} annual fee. Very shortly after my first account statement dated XXXX/XXXX/XXXX and prior to my very first payment due date of XXXX/XXXX/XXXX the bank without any warning whatsoever and without me ever having a late payment and without me ever going over my stated credit limit at any point the bank suddenly closed my account without my permission on XXXX/XXXX/XXXX. This not only results in the bank pocketing " effectively stealing '' my {$75.00} annual fee it will show them as churning accounts and greatly scar my credit as it will show an account that was just recently opened by me as being closed against my will, which will also greatly impact my credit score going forward. This is inexcusable as this account is and always has been in good standing as I make all my payments on time and have never gone over the credit limits stated on this account. Not only that all information used to open this account was 100 % true and factual so Bank of America has no right whatsoever to have done this to me. I expected this card to be a long-term useful rewards card as it carries with significant advertised mileage benefits for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$6400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Credit reporting or other personal consumer reports

There is a XXXX Bankruptcy on my report and I have contacted XXXX and they removed the item from my report due to the bankruptcy not being mine. Also the other XXXX bureaus have removed it. But Experian refuse to remove the item even though they get their reporting from XXXX who removed the item. 

XXXX  XXXX bankruptcy discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$35.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

There have been 11 disputes I raised in the past 3 years with regards to fradulent card use, overcharging, charging for cancelled orders and other charge issues. 

The bank closed these disputes without providing any substantiation, reason for closure, appropriate proof provided by the merchant, if any, and so on. 

I repeatedly requested them to send me the relevant documentation. First they refused completely. They said they can not send this by email but only by physical mail which I requested. To date, I have not received any of this. 

There also isn't any solid dispute tracking, no tracking numbers, etc.
Product: Debt collection

I requested validation of the debt and the original contract possessing my signature. I received documentation of a breakdown of the charges owed but not the original contract of the debt containing my signature.
Product: Debt collection

This was charged off in 1997, it keeps getting bought again and this starts ... it was originally a truck repossesed from me and not for late payments. I was repossesed because they said I might move back to alaska. They would not let me even get my wallet or anything. Even so this should be long gone it is XXXX years old. This is atleast the XXXX outfit to try this ... this was an original shady deal, i owed under XXXX and was making my payments. I had XXXX small kids at the time and have after talking to original lender, decided not to ever pay it. By the same token they cant call all the rest of my life ... 7 years .... that has come and gone!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX secured credit card. They did not provide me with the original application like I asked. 

Also, my entire {$5000.00} deposit was not returned within 10 weeks once my account was closed. I secured the credit by providing XXXX a {$5000.00} deposit. XXXX has not only refused to return my deposit but is also reporting a collection account in my personal credit profiles with Experian, XXXX XXXX XXXX.
Product: Debt collection

I have tried numerous times to have this fraudulently applied account with my pertinent information resolved. I have sent an identity theft report through the FTC and have received a letter with negative feedback from Aspire Credit Card Co. stating that after a review of all relevant documentation available from their records, merchants and other information that I have been found responsible for said account. 

Letter states that when I called to dispute this credit card account that they match my telephone number to the telephone number used to activate credit card as well as address on account being my address. This is an absolute fallacy and I demand to view proof of all documents that they are claiming to have proven this account to be mine. That would include the original application to the account, place of employment, phone numbers and signatures to obtain credit. 

It stands to reason that when disputing I would use my actual phone number as well as actual address to verbally dispute and send documents for some resolution for this fraudulently open account.
Product: Credit card or prepaid card

I went to close all of my accounts with bank of America on XX/XX/XXXX. I paid my entire credit card balance, and it was at a XXXX  balance when I closed it. I was in person at a branch, but the credit card portion was done over the phone in the office of the branch. After closing my card and all of my bank of america accounts, I moved to a new bank. I received no communications from Bank of America and was under the impression my business with them had been concluded. In XXXX of XXXX I received a letter that my credit card was in delinquency, over a {$4.00} balance that was not paid, and an additional {$7.00} in late fees. Confused, I went into my local branch. At the time I was unable to be given an answer as to why the charge was there, how it was closed with a balance, and why I had received 0 communication about the card until the delinquency letter. I was under the impression I was receiving good customer service when the associate at my local branch told me they would waive the {$7.00} in fees, and had me pay the {$4.00}. I had had this card for over 5 years and never missed a payment, so it was clear to the associates in the branch that the {$4.00} was some sort of error. At the time my primary concern was my credit score not being affected by this 4 months of " late payment '' I paid the {$4.00}, and then was again under the impression that I had concluded my business with Bank of America. When I checked my credit score at the beginning of XXXX, I found that it had dropped nearly XXXX points, as the account was still regarded as delinquent, as the {$7.00} had not been waved. I have since paid the {$7.00}, as Bank of America refused to do anything to an account that was in collections. To reiterate, I found out the account was in collections due to my own diligence, I had not received communications from them aside from the 1 delinquency letter on XXXX XXXX, XXXX. I believe it is relevant that they did have my contact information for this letter, but failed to provide any statements or other communication about this account. I then went through a credit bureau adjustment case with bank of America, only to have them conclude there were 0 errors on their end. The department for this is not accessible by customers, and I had to spend hours getting transferred around by BOA to file this report. I had to call and request the result be resent, as the initial letter was not sent, and they could not tell me the findings of the case over the phone. I spent many more hours trying to dispute this information, as it was not accurate. At this point nothing has been resolved, and I have no faith that bank of america is capable of assisting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Mortgage

My experience all started back in XXXX when I reached out to Prospect Mortgage to assist in a refinance. To make everything short, I was told to wait until XXXX to submit a refi as the particular lender they would use required a 1 year lapse since our purchase date. We went with their recommendations even though it usually only requires 6 months. We submitted everything in XXXX, and at that point were told that the 30 day close is now closer to 45-60 days to close. Again, we trusted them and went with it. Well come the 50th+ day I get a call saying that the lender will not approve the loan, even though I was told there would be NO issues what so ever. To say I was upset is being modest. So we changed a few things and resubmitted again to the same underwriter. I was told it would take about 30 days since they already had everything in our file, it was just a new loan #. Well here we are 50+ days out again and still have NOT closed! I have had no response from my loan officers for 3 + days. We received our initial closing disclosure on XXXX, which I have recently been informed that once you get those its 3 days until you can sign. Well its XXXX and I never heard anything on that closing statement, yet I received an updated one yesterday. Which now I have to wait another 3 days from this before we can sign and then another 3 days until it can fund. At this point I am hesitant that we will even sign anything this week. I was promised early last week that we would FOR SURE sign last week and fund this week ... clearly that has n't happened. I have had no communication from our loan officers in the recent days, and the communication in general is some of the worst. They have no regard to whats best for their consumer and no respect. From start to finish with this mortgage company it has been 8 months, and over 4 months since we submitted the refi!! My mom used them too recently with a horrible experience. 
I am questioning whether this is a legitimate refinance in my best interested and frankly need some answers on who dropped the ball and how many times it has happened now. I have reached out to the XXXX California rep recently but this does n't change what has happened in the past. I also feel they are hesitant to answer my questions on what went wrong and why, but I will do all my efforts to get to the bottom of this. I do n't think we will end up closing with them after all because I do n't trust it. They need to do something in best interest at this point and I will be going after them for monies spent on this loan. 
Also worth mentioning, the XXXX/XXXX/16 closing disclosure and the XXXX/XXXX/16 closing disclosure are EXACTLY the same, just different pro-rated dates because it didnt close the first time. Prospect did n't do their job clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Midland Credit Management in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, Midland Credit Management nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX, Midland Credit Management, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN DID NOT NOTIFY ME OF THE RESULT OF THE XXXX DISPUTES THAT I FILED
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am hoping for your help to remove a late mortgage payment record in my credit history. 

I had my account on auto-payment for the XXXX of every month, and decided to move it to the XXXX of the month, because my mortgage company kept marking it as 'late ' in my billing statements, and then reverting it to on time every month. I just wanted a clean bill, so I moved it to the XXXX of the month, but confirmed my auto-payment, which showed online as still being active. However, I was surprised when I received notice that I was delinquent in my payments, and realized their system had stopped auto-drafting my account. I called in and their customer service rep told me it was an error on their part, so she waived my late fees, etc. However, she told me I'd need to write to their credit dispute department to reverse the incorrect record of the delinquent payment. I asked for a number, and she said they didn't have one, and I'd need to write in. I had written in at least 4 times, but only get an automated response, with no explanation or resolution. The delinquent payment is still in my credit and has pulled my score down, and made it very hard for me to refinance my loan or get a new loan. 

Please help me, as I don't think this is fair, and I could really use a new loan. Thank you in advance.
Product: Debt collection

THIS IS XXXX XXXX XXXX AGAIN.YOU KNOW ME.I WRITE A COMPLAINT ABOUT XXXX & XXXX ABOUT THERE HARASSMENTS.I 'M WRITE THIS FOR MY MOM SHE AS HEALTH ISSUES. WE ARE HAVE PROBLEM WITH PORTFOLIO CALLING AND HARASSING US THEY HAVE CALLED THE HOUSE 34 TIMES.MY MOM IS SICK OF IT.AND XXXX XXXX XXXX IS STILL CALL US ABOUT 7 TIMES WE ARE SICK OF THEM CALLING AND HARASSING US, AND SENDING LETTERS.I WISH THEY WELL STOP XXXX LEAVE XXXX ALONE. YOU CAN SEND THE INFORMATION ON MY MOM EMAIL ADDRESS.MY EMAIL IS NOT DOING RIGHT.THANK YOU.AND XXXX XXXX XXXX RINSING THE WAGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 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.
Product: Credit card or prepaid card

My billfold stolen XX/XX/21 at XXXX XXXX, XXXX, NV. I immediately called the XXXX police and filed a report ( XXXX ), then I contacted all the credit cards that I could recall were in my billfold, as well as contacting my two financial institutions. There were charges attempted and a few successfully with my cards. Macys is the only card I am continuing to get threats, payment requests, and continuous phone calls. I have written and called Macys and received a letter that the issue was resolved, and there was theft/fraud.

I do not understand why I am continuously asked to pay for something I did not Purchase, I have sent several payments because I have been told I will be reported to all three credit agencies.

I have never activated a replacement card which Macys sent me, yet the charges on the stolen card were transferred to this new account. I have repeatedly requested all monthly statements to date from Macys, and so far have received none. I am at my wits end, I dont want to continue to pay for a theft from me. Please advise what I can do next to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple inquires on my credit report from Equifax. All which comes back as accurate and verified. Under FCRA Section 609 and 605 I have asked Equifax to provide me documentation from each lender about date of dispute, time stamp, etc. Nothing was provided. So basically what is boils down to is I can open a dispute with Equifax on XX/XX/29 and they can complete that same dispute on XX/XX/29. That tells me that no proper investigation was made by Equifax. That also tells me that is a violation of my FCRA rights. Equifax is good at doing that. With that being said I am reuquesting the CFPB to look into the matter. If Equifax continues this route they will find themselves on the end of a very nasty civil litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reached out to Transunion to dispute some fraudulent active on my credit report. There are 35 hard inquiries on my report that I did not authorize and I have a fraud alert on my account. I explained to the representative that I am in XXXX XXXXXXXX XXXX Bankruptcy that was filed on XX/XX/XXXX. I have not inquired for no new credit. The representative stated that if it is on my report then their 's nothing that can be done about the hard inquiries. So I asked even when I have a fraud alert on my account their 's nothing that can be done. He stated no. I havent applied for any new credit. But everything I talk with either credit bureau I have to send them a copy of my driver 's license, social security card, and bank statement with my address. But someone can go apply for credit in my name online or in person and nothing can be done about it. It just goes on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LETTERS FROM TRANSUNION ON XX/XX/23 AND XXXX XX/XX/23 AS IT PERTAINS TO A " BANKRUPTCY " THAT I FOUND ON MY CREDIT REPORT, AND I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF THIS LISTING.AND I ALSO ASK BOTH ( TRANSUNION & XXXX ) TO VALIDATE THIS INFORMATION WITH THE ORIGINAL CREDITOR... BOTH CREDIT BUREAU 'S SENT LETTERS BACK. 
XXXX : THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO XXXX THAT THE INFORMATION IS ACCURATE. 
TRANSUNION : VERIFIED AS ACCURATE
Product: Mortgage

1. Company to provide documentation as to why my VA Covid 19 Forbearance was not extended through XX/XX/XXXX. Per VA Circular XXXX  dated XXXX XXXX, VA extended the XXXX XXXX XXXX XXXXbearance date through XXXX XXXX. Shellpoint 's action NOT to properly categorize my forbearance from XX/XX/XXXX through XX/XX/XXXX is in direct violation of the extension granted by the VA. Shellpoint 's response to my first CFPB complaint stated clearly I should have had my VA Covid 19 Forbearance extended through the end of XX/XX/XXXX. 
2. Company to provide documentation as to how their failure to properly code my forbearance impacted my ability to utilize the VA Covid 19 Waterfall. Would the VA Disaster Extend Modification have provided better terms than the Traditional Modification I was approved for? 
3. Company to provide documentation the VA Deferment option was no longer available as of XXXX of XXXX, as stated in their most recent response. VA Circular XXXX from XXXX of XXXX had it as part of the VA Covid 19 Waterfall and no subsequent Circular that year showed the Deferral Option was no longer available. In XXXX of XXXX VA XXXX XXXX notified servicers of the intent to Update Certain Home Retention Options. 
4. Company to document why they did not give me the Deferment Option when my Loss Mitigation workout was still in process in XXXX of XXXX when VA XXXX XXXX was issued, confirming the VA Covid 19 Waterfall, inclusive of the Disaster Modification and Deferment. 

I believe Shellpoint failed to update their process in regards to VA Covid 19 Forbearance being extended through the end of XXXX, resulting in my forbearance, and possibly many other Veterans, being placed in the wrong forbearance bucket. This meant my Loss Mitigation treatment, and possibly many other Veterans, was done incorrectly as well. I want Shellpoint to document in writing why I was not provided the correct VA Covid 19 Forbearance Waterfall treatment and how they plan to correct what I believe is a process failure on their part.
Product: Credit card

I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.