23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX when we applied for a mortgage loan we supplied the Countrywide loan representative with our tax returns, bank statements, institutions with other funds/assets and we hand filled out the loan application each separately. In XXXX we found out Countrywide gave us a wrong loan. We contacted Bank of America who had taken over Countrywide 's loans and their legal dept. for them to supply us with all the supporting documents in why this type of loan was originally given to us. Please refer to our dispute file sent on XXXX XXXX XXXX. We received a response from the Consumer Protection Bureau that our case was closed. We disagree because with our last filing on XXXX XXXX we requested a copy of what was used when we originally obtained the loan ( Bank statements, credit reports, tax returns ) with all the supporting documents. We 've asked this from Bank of America in XXXX and in XXXX as well but they have failed to supply us with this information. Please refer to the original complaint # XXXX which has all of our uploaded supporting documents. We appreciate all your support and help and we are asking for this matter not to be closed since we did not receive any of the documents we requested justifying their charges and interest rates.
Product: Credit card

Hello... I have a hard inquiry on my credit file with CapitalOne on XX/XX/XXXX... I only have one card with them started XXXX XXXX ... I would like to have this hard inquiry removed..from my file ... Thank you
Product: Credit card or prepaid card

Re : Synchrony Bank On XX/XX/XXXX I purchased cabinets from Lowes in the amount of {$6600.00} using my Lowes credit card through Synchrony bank. Lowes had a promotional interest rate of 7.99 % that is charged monthly for 5 years or until it is paid off. 

I purchased a ( one ) dishwasher on XX/XX/XXXX for {$560.00}. Interest is deferred until XX/XX/XXXX. I had a change of delivery date. I was told that the order would have to be cancelled in order to change the date. So on XX/XX/XXXX there were two charges for the amount of {$560.00} when there should be just one charge on my statement. 

I have asked Synchrony why there are two charges, and their agents say that even though the charge appears twice it has only been charged once : why is it showing twice then? 

I have repeated asked Synchrony via phone to apply the payments we have sent to the dishwasher balance and then towards other payments where the promotional, interest free period is due to expire. 

To date, Synchrony has been applying all payments to the larger balance that is not expiring for 5 years nothing has been applied to the dishwasher yet. We have been paying {$500.00} to XXXX per month since XXXX of XXXX and the balance for the dishwasher should have been paid off by now. I have called Synchrony each month for the last 6 months and each time their agent says the funds will be applied as I have requested : but never have the funds been applied as I asked or expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX
Product: Checking or savings account

XXXX Locking accounts several times through out the day while Im in emergent need of relocating my family from harm. Cant transfer funds to external accounts call no help and get hung up on repeatedly
Product: Debt collection

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Product: Debt collection

In XX/XX/2020 I discovered that there is a debt on my account from XXXX XXXX and it doesn't belong to me. It may have belonged to XXXX XXXX XXXX XXXX and he is deceased. I have attached a police report to this complaint and want to have this resolved asap. My identification number is not the same that they have on file. PLEASE LOOK AT MY DRIVERS LICENSE NUMBER!!!!
Product: Debt collection

I received a call from a XXXX XXXX XXXX today stating that he was going to sure me unless I paid an account for an HSBC account. I informed him tat this account as included in a bankruptcy and requested that he quit calling me. He stated that he would not only call me but initiate legal action as well. Im recovering from XXXX and really cant handle these calls. He was very rude and refused to write down the case number or my attorneys contact information. He called my husband yesterday as well and threatened him too for my debt!
Product: Credit reporting or other personal consumer reports

I appeared in court agaXXXXst Property Management company XXXX XXXX to address the unpaid rents due as the property was not in living conditions. XXXXXXXX XXXX were to bring the home to tenant right standards and did not so the city condemned the property and we had to move immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Bank account or service

This is a follow-up to a prior CFPB complaint regarding an account closure at Bank of America. Upon submitting my complaint, I received an e-mail from a bank representative named XXXX XXXX XXXX at the bank 's XXXX XXXX XXXX XXXX department. The email said to " please contact me directly at the number listed below '' and specifically warned against contacting via e-mail. However, THERE IS NO PHONE NUMBER LISTED ON THE E-MAIL! ( I believe a cell number was included without an area code. ) I would have thought this a simple oversight if it were n't for XXXX reasons. First, the e-mail is clearly a standard-issue response that they send to most complainants. Second, when I called the Bank of America general customer service desk ( it is impossible to reach anyone at XXXX Customer Care Resolution without their XXXX digit extension, which was also not provided ) to attempt to get a phone number to reach XXXX XXXX, they declined to provide XXXX for almost an hour and eventually provided me a number that does n't connect to anyone 's phone in the resolution department. ( This is not the first time that the bank has provided me an inactive phone number or a phone number that links to a voicemail box from which you will not receive any reply. )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was recently used to open accounts in my name using my personal information that was exposed in the XXXX mass data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA XXXX5 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt XXXXollectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Debt collection

I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect collection account shown on my credit report from XXXX XXXX listed as open communication account with XXXX XXXX XXXX XXXX XX/XX/2020 with a balance. No know of such account and never received documents from them in accordance with FTC guidelines. This is bad faith billing and credit reporting practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit bureau ( Experian, XXXX, and XXXX ) account was frozen without my consent by a third party.
Product: Credit reporting or other personal consumer reports

I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA. 

the account is : Bank Of America {$47000.00} XX/XX/2023 I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of our credit report my husband and i noticed several items that were incorrect.We sent letters to the credit bureaus in XX/XX/XXXX with a request to review our reports and investigate the items. We have received ZERO response. We did move, but we have a forwarding address through the post office. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.
Product: Debt collection

Lewis McDonnel and Associates is trying to collect a {$260.00} debt they say they purchased from XXXX XXXX. I have no outstanding debt with them and the account was paid in full a few years ago. I attempted to get them to remove it from my credit and they refuse. I have no debt or contracts with Lewis McDonnel and Associates. I want the collection removed from my record with a explanation and apology.
Product: Credit card

There was a capitol one credit card that showed up on my credit report. I do not have a cap one account or a card. I never opened a cap one account. This is fraud. Please remove this from my report. I will include the police report.
Product: Student loan

In XXXX I was notified by the federal student aid site that I qualified to apply for the borrower defense program. I completed the application and incorrectly marked the box requesting no forbearance, when I wanted to do forbearance until the decision was made on my application. I immediately contacted the federal student aid borrower defense office and was told that I would have to now do the forbearance through the student loan servicer. I found that my servicer was changes from XXXX to Aidvantage last year so I reached out the Aidvantage and spoke with a representative and I was told that she would put the forbearance on my account. In XXXX of 2024 I begin to receive bills, so I was reaching out to both the borrower defense and aidvantage offices. I finally got someone a couple of weeks ago at Aidvantage who told me she would take care of it since she saw I had been trying to resolve this since XXXX but when I realized I didn't quite understand, and she didn't actually confirm the forbearance I called back the following Monday to confirm and was told that there was no forbearance put on my account. The final representative who helped me told me she could put a forbearance on my account, but I would have to apply for the forbearance monthly before my payment was due. I don't understand why I can not get a full forbearance with this company until the borrower defense application has gone through the process.
Product: Money transfer, virtual currency, or money service

I have an account with CoinBase through which I own one bitcoin. I purchased the bitcoin several years ago for {$370.00}. I have kept the bitcoin in my vault ever since. 

I 've been trying for several months now to move my bitcoin from my vault to my wallet so I might be able to sell it. To move bitcoin from your vault to your wallet you must verify the transfer from two separate email addresses. The transfer verification is n't working for my second email address. I have emailed the support team about this several times - on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. 

I have received one response that was essentially useless and the Company appears to have done nothing to resolve my issue so that I might liquidate my bitcoin. If I were able to sell my bitcoin today ( XX/XX/XXXX ) I would sell XXXX of it.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

NAVIENT never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt or credit management

Brigit has been extorting my credit, since I decided to cancel membership, around XXXX of 2022. They report to credit that I negative miss payments for membership of account I haven't had since 2022. I have contacted them several times just to get laughed at and told to make my late payment so they can report that to the credit company. They have shot down 6 disputes through XXXX  credit saying they proved I gave then the info and authority to continue the account. But the account was closed 2022, THE BRIGIT TEAM TOLD ME IT WILL HAVE NEGATIVE AFFECT ON MY CREDIT IF I CANCEL MEMBERSHIP. They definitely wasn't lieing ; cause they have been reporting bogus reports since sometime in 2022. Now my credit is so bad from the bogus membership that Brigit claims I owe.
Product: Debt collection

You have this account listed as an open account. The original company has also sold this debit to your companywith my personal information with out my consent. That is not under the FCRA compliance. This information that you are reporting Is inaccurate and needs to be removed immediately. If you can not send me a original copy with my signature from your company stating i owe your company. then Please remove this from my credit report. As this is false information.
Product: Debt collection

I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being Check N Go at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with Check N Go. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at Check N Go at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX  or if this is identity theft and my information was used at Check N Go and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.
Product: Debt collection

XX/XX/17 and XX/XX/2017 contact was made with XXXX at Bay Area Receivables regarding incorrect information that was reported to all three credit bureaus regarding a debit I do not own nor is even affiliated with my name. I spoke with XXXX at Bay Area Receivables and requested a letter to provide to XXXX to document information on my credit report filled by Bay Area Receivables is incorrect and that I am not affiliated with the account nor name that was submitted to all three credit reports by Bay Area Receivables. Sue, in the special sevice department at XXXX stated I needed the letter along with the dispute to have the information removed. I was told, per XXXX, that " XXXX '' the owner of Bay Area Receivables would not provide me with a letter nor would she. Bay Area Receivables reported a debit to all three credit bureaus that show an alias name on my credit report along with a debit owed by another individual. I was told by XXXX I needed a letter from Bay Area Receivables to file my dispute for the alias name that does n't belong to me along with the debit not belonging to me. I have also contacted the original creditor and told by " XXXX '' collections department at XXXX XXXX XXXX that I could not receive a letter regarding the fact that I do not owe money and am no affiliated with this alias on my credit report.
Product: Debt collection

I never received an initial bill, and it was sent to collections for {$18.00}. Absolutely ridiculous. I also never received any phone calls or voicemails to ensure I received my bill before it was sent to collections. For such a low amount one would believe the company would call to ensure I got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called Fifth Third Bank in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
Product: Debt collection

I was hurt on the job with a XXXX XXXX at the time of collection. I am now legally XXXX and cant afford to repay.