23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently pulled all  XXXX  of my credit reports. I noticed  XXXX  collection accounts from AFNI. I called and spoke with a rep who tried to inform me that I was indeed liable for the date. When I asked them to send me validation that indeed the debt is mines she informed me she would and I provided her with my email address along with my mailing address. 30 days have passed and I have yet to receive anything. I contact them again on  XXXX / XXXX / 17  and was informed that the information had been mailed. She was unable to provide me with an exact date. After asking for them to remove the information from my credit since it was not able to be validated she gave me every excuse on why she could not delete it and ask for payment again for the 3rd time.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.
Product: Debt collection

I have repeatedly attempted to call the company. My phone number is new and told the company that I am not the person they are trying to call. I have never had any financial relationship with the company. I don't have an account with the company. The company calls multiple times a day and from different phone numbers.
Product: Checking or savings account

I placed XXXX orders with XXXX XXXX online - I ended up cancelling both orders due to issues with XXXX. 
Order # XXXX - Release Transaction # XXXX - XX/XX/XXXX - XXXX Order # XXXX - Release Transaction # XXXX - XX/XX/XXXX - XXXX Bank of America will not release these funds back into my account. I have been calling them since XX/XX/XXXX trying to get the money back in my account. I recently lost my job and this is the only money I have. They are refusing to release my money until XX/XX/XXXX just for XXXX! Please contact them and fine them for consumer aggravation!
Product: Credit reporting or other personal consumer reports

Under the FCRA, I am entitled to a reasonable and thorough investigation of my dispute, and I believe this standard was not met I have disputed a couple of accounts in XXXX and XXXX and was not given proper investigation nor follow up
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 60 days 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 XXXX
Product: Mortgage

I have a mortgage loan with Ocwen Loan Servicing , LLC . On or about XXXX XXXX, 2014 I sent a check to OCWEN. The payment, sent in the form of a check by XXXX XXXX XXXX XXXX 's ( " XXXX '' ) bill pay provider ( XXXX ), has never been applied toward XXXX XXXX 's account. However, the check cleared on XXXX XXXX, 2014. I fear that Ocwen is posting derogatory information to my credit reports and that Ocwen will erroneously begin foreclosure proceedings based on their failure to properly credit account.
Product: Credit reporting or other personal consumer reports

They are updating account names on my credit report which results in my credit score dropping and they are not updating the status or removing the older accounts. This has occurred several times since the beginning of XX/XX/year>. THE update indicate that it will not affect my credit at all but it changed between XXXX points due to the changes. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company purchased a debt from another company which is identity theft and now this company is manipulating the security which is also security fraud a federal offense. I have no knowledge or have I given this company no consent to possess my personal information including social security number 5 USC 552 ( a ) 16 CFR 313.7-433.2-433.3 the Privacy Act Of 1974 restrictions on such sharing
Product: Checking or savings account

Hello, On XX/XX/2022, a fraudulent purchase was detected by Ally bank and I was notified immediately. I was then issued a new card that came in about 2 days later. However, I was only compensated for one fraudulent purchase by a website called XXXX for about {$40.00}. I was not compensated for another purchase from XXXX for a little more than a dollar despite the agent I spoke with saying she would get that taken care of. Normally, I would shrug it off, it's just a dollar after all... 

However, this morning ( XX/XX/2022 ), I received two more fraudulent charges for {$200.00} ( again from XXXX.XXXX, after asking an agent to blacklist that site ), and a new charge for about {$40.00} from XXXX.XXXX. 

After locking my card and asking for these issues to be addressed, I was told that I had to let the charges go through and dispute them afterward. Now, I won't be able to pay my utility bill on time because I will have to wait for the funds to get back. Meanwhile, someone out there is getting away with stealing almost {$300.00} from me. This is unacceptable, and Ally bank has yet to make a statement on this issue, despite it being very widespread right now.
Product: Credit card or prepaid card

This complaint is related to a Bank of America credit card that I paid in full according to the latest stament received. I just received a statement for an additional {$100.00} of interests out of nowhere because I had paid the outstanding balance in full. I don'nt understand how interest are accrued out of a {$0.00} balance.
Product: Credit card or prepaid card

This is a general and ongoing problem with XXXX XXXX XXXX. I have 2 credit cards with them trying to rebuild my credit. 

The payment for one of the cards is the XXXX of the month. They charge a late fee on the same day of {$25.00}. They state that the bill is due by XXXX XXXX eastern time. 

I have had a " real '' credit card that offers grace period before late fees are applied which is customary, certainly not charged the same day the payment is due. 

I find this strict billing on cards that are designed for the poor, trying to get back on their feet predatory lending and an effort at forced profit from the poor repulsive. I am reporting this on behalf of every person who is surprised how challenging it is. 

Its bad enough they carry the highest interest. 

Please consider holding these lenders accountable and at the very least support legislation to reel in this repugnant behavior. Reminds me of XXXX XXXX XXXX daily deposit vs payout scheme. Something needs to be done about this. 

Thank you!
Product: Credit card

Have a new credit card with BofA. In interaction with their phone represenative we paid the current bill and set up autopay for future payments ; the ask and apparent setup was to pay in full prior to the due date. The following month, the neither the full statement amoutn owing nor the minimum amouth due was autopaid. Calling back to the phone representative, it was discovered the previous representative had set the full payment date for a month further in the future, resulting in interest changes. As this is an affintiy card where certain spend have to occur to get the 'points ', I had charged significant amounts. Furhter tlaking to the represenative, the consumver has no way of seeing autopayment arragement made over the phone. There is the ability to set up autopayments via the web interface, but it is an enteriely different system! If the BofA phone representatives are being instructed to set the first payment date two payment dates out, this would be a boon for BofA and a significant intetional consumer fraud on card holders. It was indocated I was set for the next payment date whne I set up the phone-based autopay. I have subsequently changed to the web-based autopay, which I can see and manage directly. As you have gathered, I could not see that the first autopay date was two payment dates out. Only possibly by calling could I have gotten this information. Getting a humanb to help on the Help Line is next to impossible, but you can't review or adjust a phone-based autopay with the auotattendant on their help line.
Product: Debt collection

Im the months of XXXX, XXXX, XXXX, XXXX, and XXXX I have called and explained that due to the debt that Bank of America is asking for was a result of theft! I had a roommate staying with me and stole my cards and maxed the credit card out. A olive report was filed and sent to the company as well. They are still trying to hold me accountable for the credit card debt.
Product: Student loan

I changed banks in XXXX and changed my auto pay accounts with navient for all my loans federal and private to my new bank account. I have dealt with all levels from managers down since XX/XX/XXXX trying to ensure my auto pay is correctly set up and billing appropriately. Since XX/XX/XXXX, myself and parents have been receiving phone calls saying my payments are late when navient has not dispersed the funds properly across all loans and drawn a line in the sand between federal and private loanz. I have spoken to managers from both branches of navient repeatedly and been assured that the problem was on their end and has been resolved. I received a call again today claiming my loans are late. The past 2 calls, since they call during the day when I'm at work, I have asked to have a manager level call me that can handle both federal and private to resolve this situation. I still have not received this call. I am baffled at the inability of a lender of this size to continuously fumble a simple auto pay transaction, and routinely harass a borrower that has continuously tried to amend the situation by assisting every time I am called. I am not comfortable providing these callers with my banking information any longer as they are clearly not qualified to use the information in an appropriate manner. As a customer of navient, am I expected to be ok with continued harassment and possible bad credit reporting when all I have been trying to do is pay my loans and set up my accounts to be auto debited so I have no worries? My last discussion with a manager from the federal side on XX/XX/XXXX resulted in navient admitting again that the problem was on their end entirely but I should place my loans in deferment and just deal with the fees and compounded interest. How can a company operate this way?
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>2024, I have been in contact with Experian to correct a significant error in my credit report related to the lack of an address appearing on my report. Due to this issue, furnishers are unable to access my credit information, causing me numerous financial difficulties.

Impact : I applied for a job at Bank XXXX XXXX and XXXX XXXX, but both employers were unable to view my credit information due to this error.

I have attempted to apply for loans from various institutions, but all of my applications have been denied for the same reason.

Despite repeated efforts to have Experian correct my credit report, they have not taken any action to resolve this matter. This has negatively impacted my ability to secure employment and credit, leading to significant financial hardship.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased XXXX airline tickets to XXXX through XXXX. I subsequently noticed XXXX charged me twice for each flight. I alerted XXXX and the XXXX extra charges were removed from my credit card activity. When I went to pay my Barclays bill, I noticed the charges had reappeared. I contacted XXXX who told me Barclays had only paid them once for each flight. XXXX Ive been shuttled between Barclays ' fraud and disputes departments. They told me the case was closed and resolved. 
I asked them how the case could be closed when I still haven't been refunded the {$1200.00}. 

I was finally directed to yet another department at Barclays who admitted the mistake was theirs. At the time I had purchased the tickets there had been fraud on my card and I'd been issued a new one. Somehow XXXX of the flight charges were on XXXX card number, XXXX on the other. Barclays had finally admitted their mistake. The man I spoke with, promised I'd be reimbursed. within forty-eight hours. I asked him for his name and if it was a new case number, and he refused. That was on XX/XX/2022. I have still not been reimbursed. Original case # XXXX
Product: Credit card or prepaid card

I filed a complaint against TD Retail for purposely being unhelpful when I was getting XXXX  by their policies - I had made the apparently unforgivable mistake of paying a day early. In retaliation for complaining, they intentionally messed with my credit score. The useless, extremely unhelpful female I spoke to is obviously to blame as I told her how worried I was about my credit since I'm looking to buy my first home. 

After daring to pay a day early, my available line of credit was reduced from {$1200.00} to {$350.00} - just a little under how much I still owed making it so my credit report would show me being OVER my limit, therefore reducing my credit score even more than just a missed payment reported. That's when I complained via the phone. The female I spoke to was so useless I filed a complaint with this website.

Then, this month when I went to make a payment my credit limit was further reduced to {$100.00} when I still owed about {$270.00}. That is a significant amount over my limit which caused my credit score to plummet. 

What other purpose would reducing my credit limit twice - to under what I owed both times - serve other than to punish me? How utterly petty and vindictive. My credit took such a big hit it'll be at least a year before I can even use my VA loan, which has lower standards than most.
Product: Debt collection

This happened in XX/XX/XXXX/XX/XX/XXXX. I was in a relationship where my significant other used my Social Security number to obtain a cell phone and account with the phone company all without my knowledge. This was completed twice with two different phone companies without me knowing before my significant other and I left one another. 

I did not authorize such accounts or billings. It was forged. I did not go to the authorities at the time because I was unaware of such accounts and did not know they were collecting debt. 

In XX/XX/XXXX/XX/XX/XXXX I was made aware of one of the phone company accounts and did my best to pay them because I could not make contact with my previous significant other. Nor could I report her because there was no evident fact that I could prove that she used my information without me knowing.

Now the second phone company XXXX XXXX XXXX has sent my account ( {$1000.00} ) to XXXX for debt collection.
Product: Mortgage

I had originally signed documentation to refinance my home mortgage to a conventional loan for a fixed rate of 2.125 % with AmeriSave Mortgage Corporation, NMLS ID # XXXX in XX/XX/XXXX, but the company would not lock the rate in after several attempts to do so in late XX/XX/XXXX and early XX/XX/XXXX. On XX/XX/XXXX, I received a second set of disclosures stating that the rate had increased to 2.25 % due to underwriting. I signed these documents on the date given since I had already paid the application fee of {$500.00} on XX/XX/XXXX. The company has stated that the loan is 99 % complete since XXXX, but will not set a closing date and continues to inquire about information already provided on multiple occasions. When asked for closing dates, I receive no answers and continued excuses with no remediation steps. I have proactively tried to move the process along, but can not get anyone to tell me what I can do to finish the loan process. Under the original agreements, we estimated closing in late XX/XX/XXXX. It feels like they approved a rate lower than acceptable and are trying to get me to cancel my contract. I am prepared to engage my lawyer to seek damage if this is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a review of my account there are a few accounts that are not mine Two from XXXX XXXX and 3 From XXXX XXXX {$480.00}, {$590.00}, {$350.00} And one from XXXX XXXX for {$490.00}
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. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian, XXXX and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 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: Vehicle loan or lease

I'm XXXX. I live in a hotel. I was able to got a car due to my bad credit.. I purchased a XXXX XXXX XXXX  XXXX XX/XX/XXXX. The loan is from Creditacceptance. I started driving for XXXX/ XXXX to get myself together. I accepted the terms of {$360.00} a month for 60 months. They loan interest rate of 23 percent. The total I would have to pay back was XXXX total. 
For the entire year I paid it. I was also told by the dealership that after a year I can call and negotiate my loan to get the interest lowered. I called the loan company and they said no they can not. I am still paying it. 
As of today XX/XX/XXXX, if I wanted to buy the car outright I would pay {$11000.00}. My car has dropped in valve fast because of the mileage from driving from XXXX/ XXXX. The value if I wanted to trade it i think when I check was around {$2200.00}. Which would leave me owing {$9200.00}. The other problem the car had 2 recalls. I took to the dealership they said it was fix and 5 days later the problem is still occurring. They said I need to buy a new engine and there nothing more they can do. This recall is the reason why my car was smoking and oil was leaking coolant leaking. I guess XXXX do not want to take responsibility for the problem they created. I contacted XXXX, ALSO XXXX MANUFACTURE. SO I CANT DRIVE BECAUSE IM AFRAID MY CAR WILL OVERHEAT AND SMOKE AND I HAVE THIS LOAN TO PAY. PLEASE HELP!!!!!!
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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. I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have
not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus