23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their XXXX XXXX XXXX XXXX they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Equifax concerning an account that popped up on my credit report for XXXX XXXX. It stated that it was a closed account, was OK in XXXX, XXXX then 180 days past-due. They showed the last payment in XX/XX/XXXX. The note said it was a closed mortgage account that the collateral was released on with a balance owing. I filed the dispute stating that this was not my account. I sold my house several years ago and had never heard of this company and have never paid them anything. 

On XX/XX/XXXX, I received an email that Equifax had completed the investigation on XX/XX/XXXX. I tried several times to access their website but it does not work. I called their XXXX and spoke with a man who spoke very poor English. He started giving me the results from a dispute that I had filed years ago, not the current dispute, even though I had given him their confirmation number. He then told me that he would take my dispute information over the phone. I gave him the information listed above and he gave me a new confirmation number XXXX. 

Today, XX/XX/XXXX, I received an email from Equifax that the investigation was complete. I again tried the website to no avail. I called the XXXX number again, gave another man who spoke even worse English my information and my confirmation number. He asked several questions to verify my identity, one of which was where was my mortgage and how much was the payment. I told him that I do not have one. This is the account that I am disputing but my former mortgage was through XXXX. He told me that he couldn't verify my identity and that he couldn't help me. I asked him where he was and he told me that their offices were in XXXX. I asked again if that is where he was speaking to me from and he said no, he is in the XXXX. That is quite un-nerving. I gave my information to someone in the XXXX, something I would never have done. 

I looked at my credit report on XXXX XXXX following the call and the account I had questioned had been moved from closed to open and 180 days past due. All my other accounts show a 100 % payment history because I make sure to pay them all on time. This has given me a XXXX point hit on my credit score for something that I have never heard of, did not open an account in XX/XX/XXXX or any other time and is not an open account that I have anywhere. 

Not only was an investigation not done that I can tell, I can not even access the information through the available channels as the website does not work and the calls go directly to the XXXX where the language barrier is formidable.
Product: Checking or savings account

XXXX XXXX Account # XXXX XXXX XXXX-ending in XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, Tx. XXXX XX/XX/XXXX Bank In Question : Bank Of America XXXX for BOA : XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Dear CFPB I am writing this complaint letter to report BofA of fraud and deception. On XX/XX/XXXX I scheduled a visit to XXXX XXXX in XXXX, Tx. Later, that evening I noticed there were ( 2 ) made up charges ( MOC charges ) on my BofA account. One from XXXX XXXX XXXX and one from XXXXXXXX XXXX- XXXX XXXX. The 2 separate charges were {$290.00} apiece. This transaction totaled to {$580.00}. 
XXXX XXXX has a policy that does not allow them to charge anything until check-in. And they have a cancellation policy, that gives the consumer XXXX hours before check-in to cancel. These MOC charges happen the day of scheduling and have no bearings with the cancellation policy. 
The next day the MOC charges were no longer on my account information. But sadly, the money was not accounted for. The {$580.00} was still not accounted for in my account. On XX/XX/XXXX I had a live chat with BofA @ approximately XXXX XXXX with a representative name XXXX. This was held over the BofA app. The representative just explained that she couldnt see the charges anymore. Later the same day I called BofA to explain the situation. I talked to a rep over the phone, and she explained she couldnt see the charges but was willing to help me with the overdraft fees that this situation caused. So, in short if I wouldnt have said anything I would have been out {$580.00} and {$40.00} of overdraft fees. The {$580.00} has not been replaced or explained. BofA has performed a highly intelligent way to steal money from me as a consumer. And sadly, to say this is still going on this day. The accounting issues and money not accounted for very well seem to range from XXXX  XXXX {$300.00} at each event. As of today XX/XX/XXXX, I feel and know that they are being dishonest, fraudulent, and deceptive with my account. Personally, I am trying to take snap shots of my account as much as possible.
Product: Debt collection

Hello, I was involved in an accident where I was hit from behind along with damages and a totaled car. I am not responsible for the debt that they are saying that I'm responsible for. XXXX didn't send me anything. A third part collect is threatening to take my license and report to my credit
Product: Debt collection

I received a copy of a judement from my escrow company that I didn't know about it was dated back in XXXX. Talked to a XXXX XXXX on XX/XX/XXXX regarding this judgment an my willingness to pay so I can move forward and have this cleared. He stated once they received payment he would issue a document of Statement and Release and have this recorded with your court system. I asked for a recordable document so my escrow company could have it recorded. Ref. # XXXX Judgement doc # XXXX. Amt of judgement is for {$1600.00}. A payment in the amt of {$1600.00} check # XXXX was paid to Atlantic Credit and Finance on XX/XX/XXXX. They received it on Monday XX/XX/XXXX as I had it certified and return receipt. The check cleared my bank on XX/XX/XXXX. I've since made several calls to Atlantic Credit and Finance only to be put on hold or transferred several times. I've called daily and when I did speak to XXXX XXXX said that he sees a payment was made but had to confer with their legal department and compare notes and on Monday XX/XX/XXXX I finally talked to XXXX XXXX who stated that my account was sold and he didn't know who cashed my check and that he was blocked from contacting or discussing further, said more money was owed.
Product: Debt collection

I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. It has come to my attention that despite my numerous attempts to resolve this issue, there has been no satisfactory resolution. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
XXXX XXXX XXXX THIS IS FRAUD, PLEASE DELETE!!!! 
It has been months already since I initially reported this issue, and yet, these fraudulent accounts persist on my credit report without any explanation or resolution.I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family I have never lived at these addresses!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my Equifax but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking XX/XX/2023 # XXXX # XXXX # XXXX XX/XX/2023 # XXXX # XXXX # XXXX # XXXX # XXXX XX/XX/2023 # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Charge-Off Account on Credit Report Dear Equifax I am writing to formally dispute the accuracy of information reported on my credit report. I have recently reviewed my credit report and noticed a charge-off account that I believe is reported inaccurately. The details of the disputed item are as follows : XXXX XXXX XXXXXXXX Bal {$660.00} I dispute this charge-off for the following reasons, this is a fraudulent account. 

The following hard inquiries were also not authorized by me. 
These lenders have accessed your credit file without my authorization. 

XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  I am aware of my rights under the Fair Credit Reporting Act and expect that this matter will be investigated and resolved promptly. As part of your investigation, I request that you Verify the accuracy of the account details with the creditor. 
Provide me with the documentation that you receive from the creditor as evidence of the accounts accuracy. Remove or correct the entry based on the outcome of your investigation. Please note that these are for your reference and should not be returned to me. Please be aware that I expect this matter to be resolved within the 30-day timeframe as mandated by the Fair Credit Reporting Act. I look forward to your prompt attention to this matter. 

If you require any additional information, please do not hesitate to contact me Thank you for your immediate attention to this matter. 

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

I work with two companies why is my credit score only going up XXXX point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.
Product: Credit reporting

Someone is able to open accounts in my name from cell phones, autos and even a mortgage.
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX there's is XXXX negative items the first on is a loan that's XXXX  days late and XXXX charged off account that are negative and also XXXX fraud credit inquiries I have a federal trade commission identity theft report on file these items supposed to be removed from my transunion report my social security number is XXXX. And regarding equifax Credit report there's XXXX XXXX  item that's XXXX XXXX past due it supposed to be removed from my equifax Credit report theirs is a federal trade commission identity theft report on file
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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

I wrote to XXXX, Equifax, XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.
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 in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card

I have had my phone hacked for information that was leaked thru American Express because my account I cant even get in because Im scared that they will hack my account again. So I need American Express to close the accounts and re open new ones since all the information was leaked and all the accounts were compromised with all my information. So I need American Express to close all the accounts and send me new cards with different account since the information was compromised. Also need American Express to not allow anyone calling or spending from all accounts since I do not have access to the accounts to do not let anyone use or even they call because my info was compromised and need new account and the old one to be completely closed. I received a letter from American Express that they need I have been with American Express since 2017 and The letter they saying that they will close my accounts and they extending my own credit and as a service they should not be doing that specially when I am going thru identity theft and someone hacking to all my information and using my account and all They should do is offer a security close the accounts and send me a new one since I been since 2017 and they never or never had issues with them. Also as I use translator to write all This my main lenguage is XXXX  and when they send letters they send in English which many words do not translate the same and causes misunderstandings
Product: Checking or savings account

On XX/XX/2018 and XX/XX/2018 my grandson 's debit card was compromised and two fraudulent changes were made each day to his account. My grandson 's account was linked to my Primary account. My grandson was notified on the morning of XX/XX/2018 of suspicious activity, he told them that the he did not make the withdrawals from the ATM and that they must cancel the card. 
Since then the bank has determined the charges were our responsibility, they have deducted all money from our checking and savings account. I repeatedly asked for detailed information on how the determination was made for our responsibility, this has not been given to us. They continue to say it is our responsibility, yet do not give us documentation to support their position. 
The last correspondence from the bank was a proposal for us to agree to pay more funds to cancel their claim against us. 
I have sent all documentation to the State of Florida Attorney Generals office in the form of a claim against the bank. The State of Florida has suggested that I submit this claim to CFPB. They continue to not provide requested documentation.
Product: Credit card or prepaid card

I called Southwest customer service to find out when my companion pass will be reinstated, as I earned it again for this past cycle. However, I was told Southwest/Chase will not be giving me one even though I earnestly earned it. 

On XX/XX/XXXX, Chase to find out how much more I needed to spend in order to earn another companion pass. The Chase representative told me I needed to call Southwest Airlines. Soon after I called Southwest Airlines to find out how much more I needed to spend to earn my companion pass. The representative told me how much I had spent for the year and that spend until XX/XX/XXXX will go towards my companion pass renewal, even though the website says it ends XX/XX/XXXX and resets XX/XX/XXXX. On XX/XX/XXXX I paid via my Chase Southwest Rapid Rewards card {$5300.00} on my property taxes, which was the difference remaining to earn my Companion Pass. In order to pay my taxes via my credit card, I had to pay a 2 % additional fee. 

On XX/XX/XXXX I called Southwest customer service to find out why my companion pass had not been renewed on my account. In the past, I had already received the email confirming my renewal by the first week of XXXX. The representative confirmed that I did qualify for a companion pass but that it was not showing up in my account and that I needed to call customer service on Monday to have it reinstated. 

On XX/XX/XXXX I called SouthwesXXXX customer service to solve the issue, but XXXX, The customer service agent said that I did not qualify because my spending ended on XX/XX/XXXX, not XX/XX/XXXX, which is contradictory to what the rewards portal states ( Last day of the year ) and what the first Southwest agent stated ( XX/XX/XXXX ). 

I went out of my way to pay {$5300.00} in taxes and pay a {$200.00} processing fee just to be able to qualify for the XXXX points. Additionally, I noticed that almost XXXX points never hit my account until XX/XX/XXXX even though the purchase was made in early XXXX. This has been an absolute bait and switch. The rewards portal states it resets at the beginning of each year, but instead, they claim the actual dates coincide with my statement date I have attached my XXXX statement for your review. Please note that they did not post some of my charges until XX/XX/XXXX. Additionally, they didn't give credit for some purchases made within their rewards shopping portal, as they claim the items purchased via their retailers do not qualify, which is ridiculous because I would have earned points on those purchases if I had made them in-store, but they advertise that you get more points on the rewards portal. Additionally, the total amount spent does is not equal to the rewards points because some purchases qualify for more than 1x point. For reference, in mid-XXXX, I had already earned XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting collection activity on an account that is past its statue of limitations and is time barred from credit reporting. This is a violation of my rights under the FCRA. XXXX and XXXX XXXX both have already removed this account. Equifax needs to remove this account from my credit file immediately.
Product: Mortgage

Hi, Ive been trying to make a payment to my mortage for the last 2 months either online or on the website. Neither place can I make the actual payment. Ive tried to call on numberous occasions. Everytime I call after work, the phone is on hold forever and then the line disconnects or I get through and they say " sorry we cant access your account right now we are have techinal difficulties ''. A few months ago, I was in the middle of doing a hardship modification loan and I had to pay XXXX payments on time, which I did. Then they would finish the process and secure the modifiication. During the process the mortage company looks like it was bought out or changed hands with a bank with a similar name and now my account is all messed up and it says I owe XXXX payment each month. I know this amount is not correct, and there is not XXXX at the bank to fix it. That is why I am filing a complaint. I can not get in touch with anyone at the bank and can fix it. 
The company was XXXX XXXX XXXX XXXX and new company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with Spring Oaks in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. XXXX is reporting that this account was closed by XXXX in XX/XX/XXXX. But Spring Oaks is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.