23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was informed that under my credit report specifically from XXXX I appeared as an authorized user of a Bank of America credit card that seems to be charged off or in collections. When I called XXXX they said they could not remove this and that they needed to submit a case to BOA. They also suggested I reach out to BoA myself. When I did after multiple hours of research and being transferred to multiple departments no such account exists under my SS #. All my accounts with BOA are current and in good standing. I even had them look into my deceased grandmothers account which could have been the only possible scenario of who would have added me as authorized user. And again all the research resulted in them not being able to find anything that links back to me. I am in the process of a very important purchase with a closing date of XX/XX/24 and at this point this situation is putting that in jeopardy. I am at risk to not have this resolved on time both XXXX and BoA state it takes approximately XXXX for a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 30 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Product: Credit card or prepaid card

As I'm trying to get the company to expedite my card. An employee asked for my email and they said that they accidentally had the wrong email listed. Meaning that the employee before him imputed the wrong email and told me everything 's alright and that there's nothing els they can do. 

I told the employee that told me today they had imputed the wrong email if I could speak to a supervisor because this is a very concerning problem. They tried to brush it off told me that they will wave my fees to expedite my card and then connects me to his supervisor. Who then tells me that they can not expedite my card. I ask her why her employees don't know this and are giving me wrong info and she says that she will give me feedback and that's all she can do. I told her that the email adress that the employee imputed incorrectly and was left for two days ( meaning that whoever has the email adress that they imputed was now getting my information from capital one like my name and whatver it is they send ) she told me there's nothing she can do. I asked her if there will be an investigation and she said that she can only give me feedback. I don't know what this person is doing with my information and that's my information that companies pay for and they do pay for that stuff. She was very rude told me nothing she can do only give me feedback and that my time can't be compensated for my time being wasted with there untrained or badly trained employees. 

Something needs to be done I want to be insured that my information isn't in the hands of the wrong person. I want something to be done not just to be swept underneath the rug. I know that capital one has been sued for them knowing things and them not doing anything about it and that's what's going on right now..
Product: Student loan

there is no clear explanation on how the payments applied. I have {$2.00} daily interest, so if yo multiply that amount on day in month, i should not be charged more that {$70.00} per month in interest. I make my payments every month, never skip a one. however, if I make additional payment ( hoping they would apply it towards principle ) they always apply the biggest portion towards interest even though it was already satisfied by monthly payment. every time I call customer service, nobody can give me an explanation on how the payments allocated and why. they just say : " this is how the Department of Education wants us to apply payments ''. This is wrong. I graduated in 2015 with XXXX in student loan. I have been making payments for 3 years, every month + additional payments sometimes and I am still on XXXX and my principle amount keeps going up and up each month. this is wrong.
Product: Credit reporting or other personal consumer reports

about 2 weeks ago I called repeatedly to request to modify my information, my name, address, phone number and work information is totally incorrect, they claim that it can not be modified because someone reported them, the reality is that I only have one address, one name, phone number and employment.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed several emails from Best Buy that orders were placed on my BB Citibank card and that they were ready for pickup. One email had already confirmed that the items were picked up. I was out of the country ( XXXX, XXXX ) at the time and these items were picked up in Arizona. I was able to cancel the orders that werent picked up yet, however was too late for the other one. It was a charge for $ XXXX. I submitted a fraud report through BB Citibanks online portal and received a letter in the mail several weeks later stating that the investigation was complete and that the charge was fraudulent and there was nothing else I needed to do on my end. Then about a month later I am getting emails from BB stating that I owe $ XXXX. I called and spoke with a BB fraud XXXX representative who stated that he did not see anything in the system about a fraud charge report nor any investigation and that I still have the charge on my card. He said that he would report the card as lost/stollen and open up another investigation. This was a few weeks ago and now Im getting harassing messages saying that I am past due. No follow ups about the investigation at all.
Product: Money transfer, virtual currency, or money service

Re : Billing Error : Notice of Breach of Fiduciary Duty ; BNYM XXXX XXXX XXXX XXXX Trustee Failure to Perform Obligations Dear CFPB, In accord with the Uniform Commercial Code, and the Indenture Agreement and Third Supplement Indenture Agreement ( s ) sections 104, 105 Trustee, XXXX XXXX XXXX, Representative of BNYM and Trustee of XXXX XXXX XXXX has failed to abide by the terms and agreement under the Securities Act of 1933, the Securities Exchange Act of 1934, and the Trust Indenture Act of 1939 in the management, direction and processing of the certificated securities presented for transfer and payment as directed on XX/XX/XXXX resulting in Billing errors and omissions and Securities Fraud.

This failure has resulted in the following identified the following billing error ( s ) : The billing error includes an incorrect statement balance for the account ; The billing error fails to reflect the balance of account upon receipt as recorded by the Indenture in the firm book leading to dishonor. ( See Attached ) Subsequent Notice ( s ) regarding this failure sent to the Trustee on XX/XX/XXXX, requesting immediate attention and resolution per the terms and conditions as outlined in the SEC, Senior and Supplemental Agreements have failed to receive any appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Afni is reporting inaccurate and erroneous information to my credit file and its damaging to my personal credit, and financial stability. 
Ive presented written and legally binding and admissible evidence to support that supports and affirms, on my behalf, said facts. Ive sent records, of several correspondence between myself, and the original creditors ( XXXX ). However either Afni refuses to acknowledge that theyve received or reviewed said documents, documentation. The original creditor agrees that the account was reporting in error to an oversight by XXXXI need Afni to follow legal protocol and the LAW in general and DELETE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$560.00}. In accordance with the Fair Credit Reporting Act, I request that you reinvestigate and update or remove these disputed items. Please provide me with the names and addresses of the individuals you contacted. You have 15 days from the receipt of this letter to complete these actions, as stated in 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this time will be considered non-verification, and the items must be promptly updated or deleted as per Section 1681i ( a ).
Product: Credit reporting

I think it is a scam, I received a phone call from XXXX from a person who would n't give me her name stating she was calling from " XXXX '' and stating she was looking at my " Experian '' credit report and she wanted to lower my credit card interest rate. She was not professional and I felt extremely uncomfortable knowing she had my credit information. She stated she could see my last six months of payment history.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/year> regarding XXXX XXXX. It is fraud and the account needs to be removed and permanently deleted from my credit. Experian 's response was that An account record was deleted. It was not. They also contradict stating the company has certified the account is accurate. HOW DID THEY CERTIFY THIS FRAUDULENT ACCOUNT??? They FALSELY claimed they sent me detailed information and they DID NOT. They all lied to the CFPB. So I have to file a new complaint. Its clear to me that there is a major problem with my personal information being compromised and used. There is a XXXX  address on my credit and I have never stepped foot in XXXX. I am a victim of identity theft and fraud.
Product: Mortgage

On XX/XX/XXXX, around XXXX, I spoke to loan officer XXXX XXXX XXXX # XXXX. He was extremely rude. I was shopping for a mortgage refinance loan and he tried to keep me on the phone when I told him I would need to talk to my husband before I move forward with the mortgage. I have the right to shop around and get quotes from other banks. I was told not to hang up and to trust him. I felt pressured into agreeing to a loan. I told him I want to speak with my husband before I decide to proceed and accept the loan offer and XXXX told me, dont call me back. I probably would have agreed to the loan if I had longer than ten minutes to decide if I approved of the loan terms. I felt threatened and pressured. I am woman and of a protected class. I dont think he would have pressured a male applicant the way I was pressured. I feel AmeriSave is violating fair lending laws with their high pressure tactics and possibly UDAAP violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove incorrect names/addresses from my credit report after repeated calls and disputes submitted for this wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I discovered that TransUnion illegally re-inserted the XXXX XXXX XXXX XXXX XXXX as a new collection account to my credit file in the amount of {$1000.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/XXXX I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a  consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA. 

This account was deleted off of my credit report years ago. And now it has been resold to another organization. This account needs to be removed off of my credit report. I sent a certified letter return receipt, I never received any response from the Credit Bureau. I have copies of my report TransUnion dated back from XX/XX/XXXX, and as you can see on the report it was not listed. Also, on another credit report dated on XX/XX/XXXX the XXXX XXXX XXXX XXXX does not appear on my credit report. And on another credit report dated on XX/XX/XXXX you will not see the XXXX XXXX XXXX XXXX on my credit report. I have screenshots and photocopies every report list above.
Product: Credit card or prepaid card

On XX/XX/2020 I called to make a car loan payment to Santander Consumer USA, then I heard a " click '' as if it were rerouted to another department. A woman asked would you like to receive a voucher from XXXX for only {$1.00} and an additional {$1.00} for magazine subscriptions? She told me this was a savings club, and that I can review it for 15 days and then she asked for my credit card information email and mailing address to where she would send the voucher. She said it would arrive in 3 business days. When I asked for the name of the company, email address, she said it would appear in my email and the voucher. She added that if I didnt cancel within 15 days, I would be charged {$39.00} for the savings club and {$29.00} for the magazine subscription. She gave me a 1-888 number to cancel it, but she said it very fast and I asked her to  repeat it and she gave me these two numbers : XXXX to cancel the savings club and XXXX to cancel the magazine subscription. She also said all the information will be sent in the mail and in my email and if I had any additional questions. Two days later, I when I did not receive anything in my email, I called the customer service number and the clerk said to wait another day because the {$1.00} x 2 had to be posted first before she can look up my account. The following day after I saw the posting on my bank account, I called, and she said call the next day. Today is XX/XX/XXXX I haven't received anything! I called again, and she said Ill have to wait until another 48 hours and to call on Monday. 
Here are the XXXX postings on my bank account. 
XX/XX/2020 XXXX XXXX  POS XXXX FL US XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX FL US XXXX XXXX When I looked up the number online, I came across other complaints : XXXX  : XXXX XXXX  : XXXX I thought when I was making the call that it was a promotion from Santander Consumer, but this turns out to be fraudulent.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX  XXXX. XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$80.00} 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 XXXXXXXX XX/XX/XXXX
Product: Mortgage

My Original mortgage was with Seterus and was changed to Mr. Cooper. I have filed bankruptcy previously and because of the bankruptcy protection law I was not receiving my mortgage statement so I never knew about any late fee. Now Mr. Cooper doesn't want to remove the total late fee & Charges of {$3500.00}. I should not been charged that fee.
Product: Credit reporting or other personal consumer reports

I was attempting to buy a property and checked my credit report and realized I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report, it's a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, we received the annual escrow account disclosure statement which showed a significant shortage. We have attempted to call, email and even XXXX XXXX with LOANCARE inquiring about the escrow shortage as well as how the {$200.00} increase on our mortgage payment can be a difficult undertaking for our single income household. In essence, we simply didn't understand how such a significant shortage can occur. We attempted to call on XX/XX/XXXX at XXXX and were on hold for over 5 minutes and submitted a request for a callback, which never occurred. We called again on XX/XX/XXXX at XXXX and spoke w/ an employee who advised that the possibility of the shortage was due to the fact that the previous owner was military. She further advised how we can submit a request in writing to lengthen the shortage from 12mos to 36mos. I did so via the customer online portal via www.myloancare.com. We were advised it can take 10-15 days to receive word as to whether or note our request would be approved. We never received a response. We then called Customer Service again on XX/XX/XXXX, two times ; XXXX and XXXX. We were on hold first for 12 minutes and the second call was over 53 minutes. We never actually spoke with a human being on XX/XX/XXXX. We looked on the www.myloancare.com website in which you can request an advocate. There is no direct phone line and a form must be submitted online, which we did. We never received word of being assigned an advocate. My wife then called on XX/XX/XXXX at XXXX. We actually spoke with a member of customer service by the name of XXXX. Due to policy, she wouldn't speak with my wife because her name is not on the loan, so my wife conferenced me in on the call. I advised XXXX she has my permission to speak with my wife about the mortgage loan on my behalf. XXXX was apologetic about the lack of response and total disregard of our circumstances and lack of customer service. She asked if we'd like to escalate our issue to management in which we responded with a very firm YES! However, all members of management were busy or not  present and went home for their evening. XXXX advised that we would hear something about our request within 48 hours and that she personally would follow up which never occurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an older trade line on my credit bureaus which I have disputed but since the credit bureaus make money from XXXX XXXX they side with them on the validity of this debt. This has caused me significant stress as I have a very rare XXXX ( XXXX XXXX XXXX ) which stress causes me to have painful spasms. I am XXXX XXXX XXXX under SSDI Compassionate Allowance List for XXXX XXXX. I have disputed this older trade line but never received any letters or statements as required by federal law under FCRA and FTC that show this debt as valid. Since I never received and mail regarding this debt to validate as required by law, I kindly ask this tradeline be deleted from credit bureaus. If not deleted, I also intend to find a ADA ( American Disability Act ) complaint as I am disabled and it should not cause me more stress with my disease trying to get written validation of debt that it is mine. Since I did not receive any letters years ago, I kindly ask this tradeline be deleted off my credit bureaus.
Product: Debt collection

Account name : COMMERCIAL ACCEPTANCE CO Creditor : XXXX XXXX Date : XX/XX/XXXX Amounts : {$2400.00} Repeatedly posting balance update : XX/XX/XXXX Previously called when I was a XXXX XXXX and threatened said debt would seriously damage my credit and reputation, used scare tactics and abused the ignorance/innocence of incoming students. 

Downplayed the lease duration as an issue, citing " very easy to find sublet as a popular student apartment '' at the beginning of the semester even though I have clearly mentioned " I will transfer in half a year ''. Where in fact, a lot of students do not want to move there due to horrible reputation of the management of the apartment complex and it is XXXX semester, which is well-known the students at the campus at that time. There are numerous complaints online against their management style and is publicly available on XXXX maps. XXXX back then can vouch for said statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

During covid-19 of XXXX year XXXX i was released from my job due to catching XXXX. during that time period someone broke into the office of my job and stole my personal information which contained my SSN and my personal identification. after recently reviewing my credit report i discovered that someone used my SSN and other personal identifying information to successfully open up 4 different accounts in my name that i had no knowledge about. 

The accounts or as followed : XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX  XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX )