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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$21000.00}
Product: Credit card or prepaid card

I have applied for the bank of america custom cash rewards card in the morning and I got approved for it over a call and after that I receive no email about any other information in e-mail and I was genuinely concerned about this and chatted in help section on the Bank of america app and I was said to check application status on tool and the tool said my application is rejected I was concerned and I called Bank of America again they did not provide me with any concrete solution.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/XXXX from a dealership and when I purchased it I also purchased XXXX XXXX and a Warranty Contract and Collateral Insurance. In XX/XX/XXXX I broke down while out of town and called the Warranty Company to have the car towed and was told that they could not honor my contract because the company I bought the car from never paid them, That is also when I found out that they suddenly went out of business. About a week later I received a email from a company saying that they were now servicing my contract and said XXXX owed {$24000.00} which is my original contract amount. I have paid all of my payments of {$520.00} and also put {$1500.00} as a downpayment. The new company told me that they didn't have a copy of my contract but wanted me to make a payment. I told them that I wasn't paying them anything until they could provide me with a valadation of debt and copy of my contract and information on the XXXX XXXX and Warranty Company. They sent me a copy of a payment history that did not have any payments on it. I feel they breeched our agreement by not providing the service that they said they would and by not applying any of the payments to my account
Product: Debt collection

Received phone call from someone named XXXX XXXX claiming to be a lawyer for a cashnet loan service, I can find no record of him anywhere. Tried to tell me I obtained loan in XX/XX/2016 and gave an old address, and a bank account that is not mine. Told me he called the bank and verified my information, which would be against banking practices if I did have an account there. I have no knowledge of this loan. He called my place of employment prior to calling me. I am a XXXX and he is threatening to call my XXXX  to discuss this matter with her and report me to the XXXX   board. Called multiple times, 7 in fact within 20 mins and continuously made threats to try and get me to pay. My husband called and he rattled off his information ss #, Birthday, and phone number. Told us he is one step ahead of us and threatened to call my husbands work as well.
Product: Debt collection

Consider this an aggressive notification that if your company fails to take corrective actions within 10 days to address the issues outlined below, I will not hesitate to file a complaint with the FTC. Your company 's blatant disregard for legal obligations is appalling. Your failure to respond within the mandated 15 days constitutes a clear violation, punishable by fines of up to {$1000.00}. 
Provide me with the detailed procedures followed during the investigation of the following accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balanceed Owed : $ XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXXXXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account immediately.
Product: Credit card

Good afternoon. I am in the mortgage lending industry and was laid off about two and half years ago from my position. The layoff was due to mortgage interest rates increasing. I was unemployed for good deal of time, depleted all of my savings, and relied on credit cards to carry me through. 

I secured a position with the Georgia Department of Community Affairs, Homeownership division in XX/XX/year> assisting low to moderate income borrowers. Before being hired, it has been very challenging to find positions in mortgage lending since rates have increased, home prices have not come down, and significantly decreased mortgage applications. 

Although I love my job and my firm 's mission to help people, the position pays about 22 % less than private sector type positions. This has caused a substantial hardship and strain to avoid bankruptcy. 

I have since sold my home, used what little equity I had to pay down debt and move into a small affordable apartment within walking distance of my workplace to decrease my monthly expenses. 

I have learned to be very frugal with my income, eliminating any expense that is not a necessity, and have worked tirelessly in renegotiating repayment terms with my credit card/revolving creditors. For example, I negotiated a fixed rate 0 % repayment plan over 5 years with my all of my credit card/revolving creditors including XXXX and XXXX XXXX XXXX XXXX However, I have been unable to do so with Bank of America. 

I have tried to negotiate a lower payment to a monthly payment that I can afford with Bank of America. They offered a temporary 0 % repayment rate for a short period of time but after this period of time they would not go any less than 5 % over a 5 year term which is still unaffordable for me. 

Being in finance and very aware of the Federal Reserve 's rates, Bank of America, in my opinion can lower my rate and still be made whole on the entire balance owed. I want to repay what I am obligated to pay but their 5 % rate and payment is simply too much for me to afford. 

I am requesting the CFPB 's intervention for assistance to obtain a lower rate and payment that I can afford while repaying the debt in its entirety. 

Anything the CFPB can do would be greatly appreciated.
Product: Vehicle loan or lease

I had an XXXX XXXX with Wells Fargo, my car was XXXX the auto fees didn't seem to be correct. It XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im trying to purchase a home and Transunion is reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's had a computer glitch problem that happened twice. That was not my fault or my problem. So it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. Those inquiries being added back on has made it impossible for me to even be looked at for getting a loan to consolidate my debt. my rights were violated by TransUnion. Will CFPB help me make TransUnion stop victimizing me.
Product: Debt collection

I have notified the " Professional Bureau of Collections of Maryland , Inc. '' on  several occasions between XX/XX/XXXX to XX/XX/XXXX that the debt they are trying to collect does not belong to me. Finally it ended up on my credit report and they started calling my boss at the college I work at trying to collect. I disputed the debt on my credit report and they sent me a validation letter with the contract for the debt. The debt belongs to my husband, on the contract he is listed as " the responsible party ''. My husband and have separate finances, taxes, credit accounts, and even a prenuptial agreement that separates out finances. They have never once sent my husband a collection letter. I have asked them to remove this from my credit report since I am not the responsible party for the debt. I understand that if they get a judgment against my husband they can come after my income since we live in California, a community property state. However, they have not gotten a judgment and if they do our prenuptial agreement will stop them from trying to collect from my income and property. this company did not follow procedure by trying to collect the debt from the " responsible party '' to start with. Now they are putting it on the credit report of someone, me, who did not know about the debt and threatening to take my property and my income.
Product: Credit card

My Costco anywhere visa card had been charged different amount each times since XXXX, but I didn't expect it until XX/XX/XXXX because I do use it most of times, I didn't realize I used a lot until I found it. I called to Costco about that, but they said they can only work on last 60 days, but they didn't call or noticed me about been charging different amount anytime. But they kept said 'sorry about that, but it's been over 60 days, there is nothing they can do '
Product: Credit reporting or other personal consumer reports

Please delete collections account XXXX XXXX XXXX XXXX XXXX XXXX No knowledge or authorization. Reported as identity theft. 

Also XXXX XXXX XXXX XXXX and XXXX is current
Product: Checking or savings account

I was told XX/XX/XXXX that the reason my account was restricted by XXXX XXXX XXXX XXXX is because a teller called Citizens bank and was told that the check that I submitted into my account may have been altered. However I was never asked to provide proof that could prove the validity of my check nor was I told in person that this was the reason why my account was placed on hold. I have now acquired all of what I believe to be irrefutable evidence of the validity of the funds in my account and will submit it along with this complaint and an explanation of each piece of evidence. On XX/XX/XXXX I received two XXXX XXXX XXXXXXXX cashiers checks, one in the amount of {$50000.00} and another for {$15000.00}. I still have the customer copy number that can be seen in the evidence provided for the {$50000.00} Check. On XX/XX/XXXX I deposited both checks in the amount of {$65000.00} into my Citizens Bank checking account. The teller, bank, and branch numbers are all visible in the picture provided along with other necessary information. I will include a photo of the account after I made the deposit as well. On XX/XX/XXXX I was sent a letter from Citizens Bank stating that my account will be closed and I will be mailed a cashier 's check in the amount of my account balance ( {$65000.00} ) no XX/XX/XXXX. When I received the check from Citizens Bank, in the amount of {$65000.00}, I deposited into my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. XXXX said the funds would be available in the account after 5 days so that the check could be reviewed. However, I was sent an email saying that my deposit would be delayed because they believe the check would be uncollectible, and if the issuing bank does pay the full amount of the check then I can expect to receive my funds in 5 business days. However, I have not had access to the funds yet and have been told that a Citizens Bank representative said my check has been altered. When I tried to contact Citizens bank about this problem I was given no help!
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is XX/XX/XXXX on XXXX its XX/XX/XXXX and on Equifax its XX/XX/XXXX, with all 3 bureaus being last reported in XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so its deemed as inaccurate. Please delete this account from my report.

Account Number : XXXX Account Name : XXXX
Product: Credit card or prepaid card

Saks Credit Card Company is consistently charging a late fee even though payments are made on time every month! Company intentionally adds charge then removes it, which has an affect on the balance of account, fees and interests charges.
Product: Checking or savings account

On XX/XX/XXXX I contacted us bank to issue me an unemployment card. I was adv to fax over my utility bill and send a selfie. I was told on XX/XX/XXXX everything was received and clear. i was instructed on XX/XX/XXXX that it was a mix up but everything would be clear by end of business and to request my card for free on XX/XX/XXXX. Today i was told by XXXX  and XXXX very rudely that there isn't any notes and i need to start the entire process over. USbank is holding XXXX of my money. I was refused a supervisor but promised a call back i never received. This email is the prerequisite of a lawsuit if my funds aren't released to me.
Product: Money transfers

I bought a money transfer on XX/XX/2016. I called the customer service on XXXX/XXXX/2016 and went to money gram agency located in XXXX XXXX XXXX, XXXX XXXX to request a cancellation and a refund. The lady responded that I have to call their XXXX after several transfer to different individuals I spoke to someone who requested that I sent an email with an explanation of the transaction to XXXX with my reference number XXXX. I did however I did not receive any response. I continue calling the same phone number without success. The agency keep transferring my phone call and I get disconnected every time. Please tell me what else I need to do to obtain a refund of {$150.00} that I paid. I was the sender XXXX XXXX, XXXX, MoneyGram transfer. The person who was to received payment XXXX XXXX XXXX never went to pick up at XXXX while she was there in vacation from XXXX. Since the receptor was not able to pick up I am requesting cancel transaction/refund
Product: Debt collection

My identity has been comprised since sometime in XXXX at least. Last XXXX XX/XX/XXXX, I received a notice from the Virginia Employment Commission ( VEC ) stating that I filed for unemployment benefits. However, I've been gainfully employed the last 16 years with the same company and my company denied the claim due to it's fraudulence. 

I filed a police report with my local police department, added a fraud alert and credit freeze and pulled my three credit reports. I saw three accounts that I did not open, charged off in collections- all opened in XXXX during covid. 

I reached out to XXXX XXXX and advised of the unauthorized account, I asked for proof such as picture ID or signed contract - they stated the account had been sold. 

I reached out to Jefferson Capital also advising them of the unauthorized account they stated they would look into it. I disputed the tradeline and it was validated by Jefferson Capital.

Now, Jefferson Capital is suing me in district court, to collect on a fraudulent account opened with my stolen identity, which I have evidence it was stolen based off VCC letters, police report etc.

I've asked Jefferson Capital to send me a signed contract ( if e-signed a picture of the signature ), picture ID of the applicant to identify who opened this account ( which could lead to the arrest of the perpetrator ), which would exonerate me of this debt and stop Jefferson Capital 's collection efforts.

I request that Jefferson Capital cease all collection actions and delete their tradeline from all credit reporting agencies permanently. 

Any legal fees or wages lost may be added to my countersuit in court or via arbitration.
Product: Mortgage

I was given a loan modification in XXXX with Bank of America through XXXX their servicer. Ive paid my loan for over 3 years every month. The problem began when Bank of America started servicing the loan again in XXXX of XXXX. I submitted a complaint to this agency about the fact that Bank of America attempted to change the criteria of the loan modification by placing an extremely high lender placed insurance on the loan. In XXXX of XXXX my insurance escrow was reduced my payments were to be {$830.00} a month. It never happened in the process I still continued to pay my original payment of {$780.00} monthly. Then in XXXX of XXXX, I received a letter of intent from a lawyer hired by Bank of America saying I was 4 months behind in my payments. Which was a false claim. I sent my original payment of {$780.00} in for XXXX, XXXX, XXXX and XXXX of XXXX, I have bank statements to prove this. Upon my filing another complaint on Bank of America they sold me to XXXX who now continues this false narrative of my payments. By placing me in foreclosure status my payment in XXXX was sent back. Since all this began Ive spoken to their attorney and Bank of and XXXX They threatened me with a sale date of this XX/XX/XXXX which is illegal without a court judgment. I would like to know how they can process a foreclosure based on false payments statements. Bank of America also falsely accused me of having a forbearance with them that I did not have. They have no proof of a forbearance program, I have payments statements to prove I paid continually. Adding all these fees plus the attorney fees is fraud on their part. Shellpoint as you can see has added more unexplained fees and payments. The proper calculation is needed to proceed. This matter has been filed in superior court in XXXX XXXX XXXX Im fighting for the truth to be upheld and for these banks to admit their error.
Product: Student loan

I attend XXXX  XXXX University and will remain in school for some time. I have told SallieMae this on multiplayer occasions and they have acknowledged this. Using and auto dialar they call me several times a day, monthly. I have talked to several associates at the company to rectify this issue and they have acknowledged I am not on an automatic dial list but I still receive collection calls. I should be in deferment because my financial position, and enrollment position has changed since these loans disbursed. Sallie Mae is breaking collection laws by not removing me from on auto dial list.
Product: Debt collection

Need to reach Citibank to ask for settlement. Always long wait times and not able to reach anyone
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 : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.