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

I called Bank of America so they can lower my interest. I am currently paying over XXXX a month in interest and its crushing me. I was transfered over 5 times to various departments. Spoke with XXXX, XXXX, XXXX, XXXX and finally XXXX who dropped the call either intentionally or accidentally. I am willing to pay what I owe i just need the Interest lowered to 0 % or close to that. They wont budge! They keep saying its competitive. XXXX lowered mine to 9.9 % but BOA is unwilling. They even tried to send me to a 3rd party debt consolidation company. I told them I owe them the debt not to a 3rd party. My income has been reduced significantly and I pay them on time or early. Please assist.
Product: Credit card or prepaid card

I ordered a vinyl storage shed from XXXX store in XXXX XXXX Indiana the cost was XXXX including a XXXX delivery fee. The shed was never delivered. When I called XXXX they said it was picked up from the store. The person who picked it up was not me.now I have this charge on my lowes credit account and the lowes store and the synchrony bank will not remove it. I have been fighting this since XX/XX/XXXX.
Product: Debt collection

this debt is not mines. I have already attached a FTC report regarding the issue now I will begin to file legal action against the company and i will cc the general attorney because this is violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Credit card

I have attempted several times to get full disclosure regarding my credit agreement and my options as a consumer and investor to set off and outstanding debt. Today XX/XX/XXXX I spoke to a member of accounting and inquired about page XXXX of my " billing statement ' where it states " A CREDIT CARD BALANCE IS TREATED AS A BALANCE OF XXXX ''. This is an immediate billing error and potential mail fraud by not properly crediting the account every billing cycle. 

A second concern is that also on page to it states a " confirming payment ' is XXXX. '' mailed with the payment coupon included with this statement '' The definition of payment coupon -is the interest payment made to a bondholder by the bond issuer until the bond matures. 

One the SEC site Barclays Banks most recent XXXX and prospectus states that all notes, debentures, bearer securities etc are the responsibility of the issuer. I reserve the right as a consumer and investor to tender my debenture in good faith to credit my account. By refusing to credit my account is in direct violation of the XXXX & XXXX Securities Exchange Act, GAAP Accounting and Barclays corporate prospectus.
Product: Debt collection

I filed a report with FTC.gov concerning Identity Theft ( # XXXX ). This is concerning two credit card debts with Synchrony Bank. They turned it over to XXXX XXXX XXXX. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the XXXX, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. EQUIFAX XXXX {$470.00} XXXX   XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$25000.00} XXXX {$68.00} XXXX  XXXX {$2000.00} DEPTEDXXXX   XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX   XXXX $ XXXX DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

Ive noticed some fraudulent info linked to my identity. Some accounts and transactions have been wrongly tied to me, causing a lot of worry. Ive fallen victim to identity theft and have reported it. This issue needs quick attention as its harming my finances and reputation. I kindly ask for your help in quickly removing all false info from my credit report and thoroughly investigating this. Im ready to provide any needed evidence and, if necessary, take legal action to protect my rights and get proper compensation. I appreciate your immediate attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT
Product: Checking or savings account

I put 2 money orders in my bank for a total of {$1600.00} via teller. They put a hold on the account saying that {$850.00} would be available the next day and the rest on Monday. That same night they put another hold on my account for the entire amount saying that the money wouldnt be available until XX/XX/31. I told the bank that I paid for the money order with my own funds and that nobody elses name was on it other than mine and that it shouldnt take 2 weeks to verify that. I told the bank that that money is to pay for my new apartment and that Id be homeless if I didnt have the money before XX/XX/31. The bank still is holding my money and now says the funds wont be available until XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are reporting as charged off on my credit report and have not sent me a 1099c and this is violation of 15usc1681e ( b ) please remove these accounts from my credit report as soon as possible # XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX I have also filed an ftc report # XXXX because my x wife used my social security number with out my permission while I was in XXXX  in XX/XX/2021 and also I was victim of a data breach/identity theft.please remove the aforementioned accounts from my credit report.i have sent XXXX dispute letters to XXXX XXXX and equifax since I found out my identity was stolen.these accounts are stopping me from obtaining a home and a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently check my report. I notified Ally Financial due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement. 

Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign. 
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended. 


Questions? Call us at XXXX Available Mon Fri, XXXX XXXX  XXXX XXXX  ET Saturday XXXX XXXX  XXXX XXXX  ET Closed Sunday Access Ally Auto Online Services at allyauto.com I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through XXXX  and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once. 

Please see what can be done for this to be corrected. 

XXXX XXXX
Product: Debt collection

I looked at my XXXX credit report and it went down 56 points. I immediately look to see what it was and call the collection agency number to find out who it was from. Than I called the billing department at the hospital they didn't have any records of me at all. So they told me to call the collection agency and get a account number. I called them and they gave me a number and they said that the bill came from a doctor not the hospital and they gave me the doctor 's name. So I called the billing department back and gave them the information and they said that the doctor 's don't have separate billing and the account number wasn't even close to the ones they use. And the guys I talk to at the agency told two different stories. I need this off my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing fraudulent inquiries from Experian for 60+ days and theyre not removing them. At this point Im taking legal action if they are not removed in 24-48 hours.
Product: Credit card

Name : XXXX XXXX Birth : XX/XX/XXXX Credit Card : XXXX XXXX XXXX XXXX I am filing a complaint against Bank of America ( BofA ) for their bank system error that caused incorrect late payment reporting against my credit report XXXX XXXX, XXXX, and XXXX, harming my credit score and disrupting my life. 

In XXXX, I set up autopay from my XXXX account ( ending XXXX ) for my BofA credit card. It worked without issue for four years until XXXX, XXXX. 

XXXX. On XX/XX/XXXX, I found a late payment for {$15.00} ( statement XXXX, due date XX/XX/XXXX ) over 30 days past due, reported to the 3 credit bureaus, which causes them mark this card past due in XX/XX/XXXX. BofA didn't send any email to notify the past due bill. 

XXXX. I discovered that autopay settings were deleted. I called BofA ( XXXX ), rep advised manual payment and autopay reset and then contact them again. I did manual payment and autopay reset as they suggested. 

XXXX. On XX/XX/XXXX, I called BofA again to figure out whats wrong. BofA confirmed the issue was their bank systems fault by the phone, not mine. They said sometimes the bank system will lose autopay setting. Case ID : XXXX XXXX csa XXXX XXXX was created, and they promised to revert the negative report. 

XXXX. On XX/XX/XXXX, I called BofA to track the progress of the case. Them claimed the case was resolved and advised waiting for updates of the new credit reports. I concerned but complied. 

XXXX. After several days, I disputed with the credit bureaus, providing the BofA case ID, to ask them help track the revert progress. All disputes failed as BofA did not authorize the removal per feedback from the 3 credit bureaus. 

XXXX. On XX/XX/XXXX, the latest credit reports came out, but still showed the late payment. BofA took no action despite their promise. Then I filed a complaint to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the complaint ID is XXXX. 

XXXX. On XX/XX/XXXX, BofA called me and confirmed they have received the XXXX complaint. 

XXXX. On XX/XX/XXXX, there is no progress until now about the resolution issue. 

This has disrupted my familys plans. My wife and I recently had a child. We planned to buy a car in XXXX so she could return to work after daycare drop-offs. The credit score drop prevented me from securing a car loan, causing significant stress and inconvenience to our life. 

BofA case ID : XXXX XXXX csa XXXX XXXX ( opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  complaint ID : XXXX ( filed on XX/XX/XXXX ) Attachment : XXXX. XXXX XXXX automatic payment notification email. This is the last autopay email before this issue. 
XXXX. Related BofA statements of this late payment from XXXX, XXXX. 
XXXX. XXXX, XXXX, and XXXX adverse records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few items that are on my credit report back in XXXX of 2022 with the CRA ( XXXX ). I was NOT notified by mail within XXXX business days as it Pertains to 15 USC 1681 ( i ) 2 ( a ) .I believe the CRA did not properly assess a complete investigation.

As it pertains to 15 USC 1681i ( a ) ( 1 ). ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

" FREE OF CHARGE ''. Well I disputed items and the CRAs have decreased my overall credit score. That would be considered " charge ''. I have the right dispute any item ( s ) I deem to be " inaccurate, incomplete or wrong '' FREE OF CHARGE ; that includes penalties for for exercising my rights. 

I am being violated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.
Product: Credit reporting or other personal consumer reports

My information might have been impacted by the XXXX Data Breach and may have got into the wrong hands of the wrong person inquiries : NAVY FEDERAL CR UNION XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 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
Product: Checking or savings account

Citi is confusing me as to whether or not I will be assigned a fee, and how it can be offset. A minimum balance is not what I will keep. A deposit and bill pay is what I've tried to arrange, though whether or not the bill pay is qualified remains guesswork. While told the billpay must be in the form of a paper check, a payee changed its policy and would only accept a debit card payment. One credit card is linked to the bank. I've requested the paper check be issued to the card so the billpay will be qualified and a surprise fee does not continuously appear. When configuring the billpay to one that is paperbased, following much stress and hassle by associates confusing me as to whether or not the billpay could be set up, guesswork as to whether or not the credit card linked with the checking account will qualify remained intact. For the XXXX - XXXX statement, no fee was assigned, confirmed by chat, yet past experience has taught that what is communicated through chat can not be trusted in terms of whether or not the bank will impose a fee that can leave the account delinquent to any debit payment. For the upcoming statement, I can not reconfigure the payment to one that is paper based, it is set for electronic, leaving guesswork as to what the bank will do. Calling in or chatting does not inspire confidence that another surprise fee will present, or policy regarding electronic or paper based payment results in being considered qualified. Would the bank clarify its policy for billpay through this complaint forum? I can not keep the account open if continuously guessing as to what the bank will do, and will not be meeting the minimum balance requirement, as already stated here.
Product: Credit reporting or other personal consumer reports

Within the next XXXX  days, I am scheduled to update my credit reports, and I anticipate that Experian, being the sole bureau yet to address the lingering issue in my credit file, will expeditiously eliminate the problematic accounts from my Experian Credit Report. The presence of these accounts on my report signifies a compromise in my credit information. As mandated by law under Section 605b of the FCRA, accounts opened due to identity theft must be expunged from credit reports. The disputed accounts do not pertain to my financial history, and I have attached the requisite FTC Report with reference # XXXX for your review. I reiterate my request for the removal of these accounts in conformity with the law within the remaining XXXX days of the designated period : EXPERIAN : XXXX XXXX XXXX XXXX  Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Product: Credit card or prepaid card

Hello I applied for a credit card with navy federal credit union on XX/XX/XXXX of 2021 and it was denied and turn down due to incorrect credit rating and I send them my copy of my credit report and my other documents they have send me and trying to appeal the decision and I spoke to a supervisor and she was rude this happen on XXXX the XXXX of 2021 at XXXX XXXX  central time and I was unable to get appeal on my Loan/ and unsecured credit card application and I told her it was discrimination based on my race and XXXX and she hung up on me. I have the copies of my decisions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX does not have the authority to collect on this allege debt. They are not affiliated with the original creditor after viewing their bylaws and incorporation. This is a legal notice that you must provide the information requested. 

XXXX XXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority to administrate for the XXXX XXXX 

You will return and transmit your written evidences of your delegated authority to " represent '' that you, XXXX XXXX XXXX is authorized to administrate XXXXXXXX XXXX, together with a certified copies of " all '' signatures contract between you and XXXXXXXX XXXX, you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXXXXXX XXXX Courts require your contract for jurisdiction. 

XXXX XXXX XXXX 
XXXX XXXX XXXX disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY. 
govern yourself accordingly.