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

Auto-pay has been set up on my Target RedCard for years and I have never missed a payment until suddenly in XXXX my autopay was returned. I had not changed my bank account information and I had more than sufficient funds in my account. The payment of {$940.00} was attempted on XX/XX/XXXX with the autopay service. Upon calling Target 's credit card help line on XX/XX/XXXX I was harassed by the agents telling me that I needed to pay my debt but not offering any sort of assistance or clarity into what had happened. I had attempted to pay with my XXXX XXXX, as well as my Checking account, each of which had more than sufficient funds in them. All of those were rejected by Target. No other credit card or auto-pay service has been returned, only Target 's. 

I paid " my debt '' by using my Savings from XXXX on XX/XX/XXXX. My payment was for {$1200.00}, I had uploaded my information into Target 's system and the payment was posted that same day. Because that was the case I had figured maybe Target just had an issue with XXXX for some reason, and I decided to resume auto payment with Target using this XXXX account. On XX/XX/XXXX Target attempted to charge my account for {$1200.00} using the XXXX Savings information saved from the XX/XX/XXXX payment. On XX/XX/XXXX Target returned this payment claiming that there was insufficient funds. My Savings account at XXXX has well over {$420.00} in it, and XXXX shows no attempts at payment were made. 

Target is charging me a {$30.00} returned payment fee for this and has been incapable of providing me with any sort of information other than demanding that I pay off my balance. 

Each phone number for the XXXX assistance will either go dead or take you back to the payment center where you are only able to make a payment, not receive true assistance.
Product: Mortgage

After failing to secure a modification and or mortgage payment assistance due to XXXX, my mortgage went into default. I contacted Bank of America for aid to no avail. I made the painful decision to sell my home to prevent foreclosure. Bank of America repeatedly added fees that increased the amount owed including but not limited to sending parties to look at the house to verify the condition and occupancy status. This party placed stickers on the windows that indicated the house was vacant. I was unaware of this and had a showing. When the sellers saw the stickers they were under the impression that the house was abandoned and was no longer interested in purchasing the property. I immediately contacted the company and was told that is what they were instructed to do by the Bank. I called Bank of America and received no assistance. Bank of America charged me fees on a monthly basis for the visits and a XXXX time fee to hire the company. 

I was finally able to sell the property in XXXX closing on the XXXX for a much lesser amount than I was initially seeking. Bank of America has yet to mail out overage amounts for the escrow account nor the insurance balance. In addition, the mortgage was satisfied on the XXXX but Bank of America did not post until XXXX. They did indicate the payment would be backdated and remitted an email with the date of the XXXX however, the insurance department is showing the XXXX as the payoff. I would like to have the fees back that were assessed that was not indicated in my Note page and the insurance cancellation should be the XXXX, not the XXXX. Bank of America has a habit of taking advantage of their clients and this situation is no different.
Product: Credit reporting

Their is XXXX problems with my credit report XXXX we have a collection account that has been paid still on my report in which it was taken off once and replace back on. Next, I have a lot of inquiries in which i have no clue were they came from and why they are even on my credit report. This bill was suppose to be handle by XXXX ( XXXX ) XXXX. Disregard the XXXX XXXX XXXX attachment that was handle already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm financial is reporting false info on my credit report i file a dispute and all they do is change theve changed it 4 times bow and its still wrong the credit bureas are not doing there job investigating the complaints
Product: Credit reporting

The account account in dispute. 
XXXX : XXXX This account was chrged off XX/XX/XXXX the date has been changed and this account should have been deleted XX/XX/XXXX
Product: Credit card or prepaid card

My XXXX Bank of America debit card had a unauthorized money transfer to an unknown bank account. I filed a claim which was denied. I provided all information asked and reported the claim immediately. I filed a police report, a complaint with the better business bureau, filed fraud report with federal trade commission. My account was closed upon the initial fraud claim and I was issued a new card.
Product: Vehicle loan or lease

BMW HAS BEEN MISMANAGING MY CONTRACTED CAR LOAN FROM XXXX XXXX XX/XX/XXXX. I HAVE MADE ALL CONTRACTED CAR LOAN PAYMENTS. BMW HAS REPORTED ME 30 DAYS + LATE FOR OVER 2 YEARS TO PRESENT ON PAYMENTS. MY RECENT/ CURRENT CAR PAYMENT WAS ON XXXX XXXX MADE TO BMW , BMW IS NOT SHOWING ANY PAYMENT MADE FOR ANY MONTHS OF THIS YEAR, AND LAST YEAR. MY BALANCE DOES NOT REFLECT A TRUE BALANCE. ( XXXX. ) MY MONTHLY PAYMENTS ARE XXXX DUE ON THE XXXX OF EACH MONTH, I HAVE ALWAYS PAID $ XXXX MY CONTRACTED PAYMENT ( XXXX ). XXXX HAS ADDED AND ADDING FEES, AND MORE FEES. TOWARD THE END OF THIS LOAN, ( XX/XX/XXXX ) BMW ROBOTS CALLS US, MY HUSBAND, AND I EVERY DAY STARTING AT XXXX TO XXXX XXXX, I HAVE CALLED, SENT REGISTERED MAIL, TO ALL THE COMPANY 'S, INCLUDING THE CEO IN XXXX, I HAVE MADE NUMEROUS OF COMPLAINTS TO THE CREDIT AGENCY.BMW HAS BEEN TARGETING MY/OUR CREDIT,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX All accounts are reported as charged off with a last reporting date. These accounts continue to be updated monthly after the date of life activity. All accounts does not show a XXXX balance Not all the information is the same amongst the same bureaus.
Product: Credit card or prepaid card

my card number was used on some online website and due to those charges my payments to the card wasnt made because I was not aware of the charges and Bank of America reported payments as late to my credit reports and it is hurting my credit score. 
They have zero liability for unauthorized charges yet I had to pay the full balance to close the account as they were not helping me resolve the problem with the charges that was not made by me The transactions was made in 2021 but I dont have my statements nor access to them online so I dont know exact amount nor date
Product: Debt collection

Contacting my father and other family memebers on theirr cell phones and at their jobs. They have never mailed anything to verify the debt.
Product: Debt collection

( Bridgecrest ) all XXXX reposted vehicle that I bought, in which they sold me a faulty vehicle..was willing to settle with company but they have track records of class action lawsuits and settlements for fraudulent activitiesand which Ive tried contact XXXX number on file which isnt active
Product: Debt collection

I have notified Transunion and XXXX that the account vendor ( Office of Texas Attorney General ) is actively being sued in federal court for illegal activity and I have provided substantial evidence to the credit bureaus proving that the account was paid prior to the lawsuit. As a result of me filing a federal lawsuit against the account vendor they retaliated by illegally changing the past due amount to an amount that does not line up with my income per the law. In addition they filed illegal enforcement paperwork to have me sentenced to jail. The account continues to negatively impact my credit report The fact that the account vendor allegedly retaliated by increasing the balance after federal suit was filed violates the Fair Debt Collection Practices Act ( FDCPA ) and is considered unlawful harassment per the law. This has opened me up for additional claims for damages beyond the current suit. Increasing the balance after I've filed a lawsuit is also an attempt to retaliate and intimidate. The credit bureaus and account vendor continue to refuse to remove the inaccurate information despite the evidence I have. This is a violation of the Fair Credit Reporting Act ( FCRA ) Account in Dispute ( Office of Texas Attorney General )
Product: Checking or savings account

On XX/XX/XXXX I contacted American Express Serve at XXXX to report Fraud on my card. I spoke with a representative who said that the department that handles fraud is now closed and I must call back at XXXX. At that time there were 2 fraud charges. When I called at XXXX there were now 2 more charges. I reported the fraud and was able to save my last {$500.00} that was on my card. And requested a new card. 
I received an email stating without any explanation that my fraud dispute was denied. I am writing to appeal this denial in the amount of {$1400.00}. We are in a global pandemic and I was recently laid off due to covid-19, and the money that was stolen was my last paycheck. I am in desperate need of my money. I had attached the Fraud form several times, appealed 3 times and was denied each time.

I am certain that there are cameras on the dates of the transactions. I have not been given a reason except I do not have enough information to prove that it is fraud. My account has been compromised yet I am responsible to prove this. How? Check the time, date and location of the transactions.
Product: Debt collection

Upon settling in court, XXXX. XXXX XXXX and I agreed that MCM would stop reporting and pursuing the full original amount. We settled for half and now they are still regularly reporting the FULL balance which is the only collection account damaging my credit.
Product: Credit reporting or other personal consumer reports

Several dispute letters have been sent to address the inaccurate information on my credit profile. ATTACHED, YOU WILL FIND A FEW OF THOSE DISPUTE LETTERS REPORTING INACCURATE INFORMATION!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

THIS ACCOUNTS WERE CHARGED OFF, AND I DIDNT RECEIVE A 1098 FORM. THIS IS FRAUD BECAUSE IT IS STILL REPORTING THIS ON MY CREDIT. I AND CFPB WILL BE REPORTING THIS TO THE IRS UNLESS THIS IS DELETED. 


Under the Fair Credit Reporting act. The List of ACCOUNT BELOW has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -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 the agency can not furnish an account without my written instructions.

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


XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX Account number - XXXX
Product: Credit card

I HAVE A RIGHT TO ASSERT A CLAIM AGAINST THE CREDITS FOR THE GOOD AND SERVICES FOR WHICH THEY WERE EXTENDED UNDER THE TRUTH IN LENDING ACT REGULATION Z. 


1026.13 Billing error resolution.

( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.

( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) ( https : //www.consumerfinance.gov/rules-policy/regulations/1026/7/ # a-2 ) or ( b ) ( 2 ), as applicable, and 1026.8. 

( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. 

( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.

( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.

( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.

( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
Product: Payday loan, title loan, or personal loan

I had taken out a loan with XXXX XXXX had made my payments as scheduled and had sent a payment to them with a money order, I had forgotten to fill out the money order. Instead of just calling me and having me fill out the money order they sent it back to me and refused the payment. This negated the contract. I told them this. They sent the debt to collection. The collection Arm of XXXX XXXX is XXXX XXXX XXXX. I was trying to clean up my credit. I came to an agreement with XXXX XXXX to pay the {$190.00} which I did in XX/XX/2019. It is still on my credit report today, I am in the middle of trying to get a mortgage. This item should have been removed. That is what I was told by XXXX XXXX. Both XXXX and Experian still show the debt. I would like it removed.
Product: Mortgage

The home was originally included in CH XXXX due to going through a divorce & having to file. I followed through with the plan until the joint payments were made then requested a voluntary dismissal. I contacted Vanderbilt Mortgage prior to dismissing the CH XXXX and was told that the payments were behind from CH XXXX but a modification was done to put the payments on the back of the loan. I was able to make a few payments then got really ill from a procedure. I was out of work for 11 months but did & still doing everything I can to make payments. I am currently behind 4 payments with no resolution. I have received several rude phone calls demanding payment or deed in lieu. I am back working full time, able to make monthly payments, Life happens please help. Thanks
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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, DOB XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX COURT XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 5.XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XXXX XXXX, XXXX I received an e-mail from XXXX stating that they notified XXXX, XXXX, and TransUnion. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XXXX XXXX, XXXX. Both emails are attached.
Product: Debt collection

I attended court after being subpeoned for a break of a lease by my roommate while i lived there and was forced to move out. The owners of XXXX XXXX XXXX in XXXX XXXX, MI did not attend court. They did not attend court because they dropped all charges XXXX There was no judgement possession made because the possession of the apartment was immediately returned to the owners. They also leased the same apartment within a week of moving out. We ( XXXX XXXX ) and I immediately moved out of the apartment with in a week of XXXX breaking the lease. I have been informed that this should not be on my credit and that I do not have to pay any of the rent from the lease being broke back to the owners. I also know that the property has been sold a couple times so the original owners do not own the property anymore. I have been trying to resolve this with XXXX who represents National Credit Systems. He has been rude and uncooperative, demanding and bullying that I owe this money and pay it immediately. He refuses to discuss that I have been to court for this and the case and charges were dropped and closed. I am trying to obtain housing for me and my son and unable to do so because this is on my credit and been unable to get this removed after a couple of attempts of disputing it. it just got renewed to be on my credit even longer.
Product: Mortgage

Name : XXXX XXXX On XX/XX/XXXX I signed a big bundle of FHA mortgage documents with Compass bank including loan estimate.
The loan estimate was date
d to XX/XX/XXXX The interest rate estimate was 4.15 % Th
en, a week after I received a bundle of documents from Compass showing the interest has increased drastically to 5.75 %.
This loan estimate dated XX/XX/XXXX- only six days after the issuing of the previous estimate.
I have copies of the loan estimates and will give you upon request. I do n't believe that the federal bank has increased the rate in that week and definitely not in such a high manner, so I do n't understand why they quote me a bait interest rate and then change that on me drastically. Compass is taking advantage of my need to close soon on this property and the fact that I already invested time and money including the appraiser cost. This is a violation of the truth in lending act. . The contact number of the first loan officer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX there is a second loan officer as well. Her name is XXXX XXXX phone : XXXX I need you please to advise me / contact the bank ASAP because we are about to close on the loan. Thanks a lot, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Product: Vehicle loan or lease

Mercedez-Benz ( MBFS ) claims that I owe them a balance for a terminated lease. In XXXX, I requested an explanation of charges. They claimed they mail such. However, they mailed it to my old address. In XXXX XXXX, this account was placed on my credit report as an adverse account. On XXXX XXXX, XXXX, I contacted MBFS, re-provided them with my new address, asked for the explanation of charges to be faxed, and asked for written confirmation that upon their receipt of payment this account would no longer be reflected as an adverse account on my credit report because I never received the bill I requested from them. They responded irrationally to my request and refused to remove this account from adverse status in light of their acknowledging that they received returned mail from my old address because they never updated my address and their having mailed such bill to an address I have never lived at. Even when they faxed the explanation of charges on XXXX XXXX, XXXX, they still did not update my address despite my having re-provided them my new address when I requested that explanation of charges be faxed. The XXXX XXXX, XXXX fax still reflects the old address. 

I also learned from XXXX that in response to my dispute, MBFS decided to provide updated information. It turns out that they were misreporting information. They initially reported 53 payments. They changed the payments to 34 in response to XXXX investigation. They initially reported a payment on XXXX XXXX, XXXX. They removed that XXXX XXXX, XXXX payment in response to XXXX investigation. That XXXX XXXX, XXXX is days after the leased vehicle had been returned. They also updated the account balance in response to XXXX investigation.