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

In accordance with the Fair Credit Reporting Act XXXX  account ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Application Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX ending in XXXX XXXX XXXX XXXX XXXX Number : XXXX, has violated my rights. 

Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ] Pub. L. 90-321 [ 15 USC 1692j [ ( Furnishing Certain Deceptive Forms ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I noticed inaccurate information being reported on my credit file. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, XXXX, and Transunion about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, XXXX, and Transunion for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.
Product: Mortgage

I completed a loan modification through the Hardest Hit Fund in the state of Arizona. While making payments Bank of America has reported missed payments on my credit report. I have tried seven times by certified mail and credit disputing to make corrections. The last letter sent out I have not received a response. XXXX and XXXX reflect over a year of missed payments, while XXXX reflects six months of missed payments. The agreement was made between XXXX and Bank of America with no details on how credit reporting would be handed while making payments.
Product: Credit card or prepaid card

On XX/XX/XXXX called Bank of America that we received an alert of fraudulent charges. Bank of America then closed the card and was supposed to send a new card. We never received the new card. Received another alert stating fraudulent charges on XX/XX/XXXX but holiday so couldn't call because Fraud department was closed. We called Bank of America on XX/XX/XXXX and told them how can we make these charges if we never received the new card. Then, the representative from BOA supposedly put all the charges that we didn't make on a claim. Noticed on XX/XX/XXXX that more charges from XXXX were made that were supposed to be taken off were NOT. I called and spoke with a representative who told me it takes XXXX billing cycles. I waited patiently until I receive another bill ( XXXX billing cycle ) The charges were still on there now collecting interest. I called back on XX/XX/XXXX and finally someone listened and took the charges we did make off the account. These charges were made on the card we did not possession which I told the agent. We received a letter dated ( XX/XX/XXXX ) that the claim was in process and the dollar amount was raised to {$1000.00}. On XX/XX/XXXX, I looked at my account and all the FRAUDULENT charges were put back on XX/XX/XXXX. XXXX department is closed on the weekend. 
Call on XX/XX/XXXX and after XXXX hour and XXXX minutes on the phone. The supervisor said there is nothing more they can do as I have to wait XXXX more billing cycles until this MIGHT be resolved. A consumer should not have to be penalized of charges they didn't make. Especially, when these charges are in another state that I don't live in. I shouldn't have to wait another XXXX billing cycles since this was first an issue since XXXX and now this is XXXX. I am very disappointed in Bank America. I have been a consumer since XXXX when it was XXXX. I do not feel protected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple unauthorized accounts appearing on my credit report, which are negatively impacting my credit score. Despite my previous complaints and requests for investigation, these accounts have not been removed or corrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611, 605B, and 623, I am entitled to a credit report that is accurate, fair, and reflective of authorized transactions only. 

I have reason to believe these accounts were fraudulently opened by a third party without my permission. I did not authorize, open, or use any of these accounts. These inaccuracies continue to harm my credit, despite my repeated efforts to resolve this matter. 

Unauthorized Access and Fraud : I believe these accounts were fraudulently opened by someone with unauthorized access to my Social Security number. Under FCRA Section 605B, I request the removal of these accounts based on identity theft. 

Inconsistent Account Status : Several accounts show conflicting information, such as being listed as both opened and closed or containing incorrect dates. Under FCRA Section 611 ( a ), which mandates the reinvestigation of disputed information, I request that these inconsistencies be corrected. 

Duplicate Account Entries : A duplicate account appears, further harming my credit score. FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information ; therefore, I request the removal of duplicate entries. 

Dispute Resolution Confusion : Some creditor remarks incorrectly indicate a prior dispute was resolved, while the dispute status for those accounts remains account not disputed. This inconsistency violates FCRA Section 623 ( a ) ( 3 ), which mandates that furnishers update disputed information accurately. 

Account names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive called this company several times to settle this debt which doesnt belong to me and they continue to try to get more then 50 % of the balance. I have disputed this account several times with XXXX and they have yet to remove it. This is not my debt and I want it removed off my report.
Product: Debt collection

They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name!
Product: Mortgage

I contacted Caliber Home Loans for a modification as I was having difficulties paying my mortgage because of a hardship. I received a trial plan which was increased my payment {$230.00} per month. I contacted Caliber Home Loans on three separate occasions with no explanation. My latest call to Caliber was yesterday and the single point of contact informed me that I would have to talk to XXXX XXXX to find out the how Caliber came up with the increased payment. The single point of contact also told me that if I could not afford my home to surrender it. I want Caliber Home Loans to tell me how they came up with the increased amount and perhaps work with me to lower the payments. 

Also, I have not received an explanation from Caliber regarding the Obama Hardest Hit Funds they received back in 2016 upwards of XXXX. I was advised that XXXX went towards the principle and that would lower my payment however that was not the case.
Product: Debt collection

AD Astra continues to report information on my credit report that is in violation with the FDCPA, Fair Debt Collection Practices Act. AD Astra continues to violate the Fair Debt Protection Collection Act by reporting information and claiming that I owe them monies. I have never entered into any contract or agreement with this company. Because they are a 3rd party collector, they must receive my permission to furnish any information on my credit report. They did n't do that and I will never give a debt collector permission furnish information on my credit file. They also violated a cease and desist letter sent to them by me, certified mail. They continue to contact me claiming I owe them monies. I have asked over and over to send me debt validation and were not able to validate anything but continue report false and misleading information on my credit file. They are affecting by ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus Equifax, XXXX and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting XXXX Personal, Family, and Household. 

This consumer is putting Equifax, XXXX and XXXX on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars. 

Take Note : All XXXX XXXX XXXX ( XXXX XXXX XXXX ) Personal Information and Signatures hold a required value of XXXX XXXX dollars ( XXXX ), per incident ( request ) 15 USC 1692 ( A ) ( 4 ). Violations found may be cause for indictment/ penalties for Violation of Rights, Trademark/Copyright Infringement, Fraud, and Estate XXXX , etc for all parties involved. 
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/EQUIFAX/TRANSUNION/EXPERIAN DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA.
Product: Debt collection

In XX/XX/XXXX : I spoke to XXXX XXXX Supervisor XXXX & XXXX ( CS REP ) at the credit bureau and they both advised that XXXX XXXX agreed to Delete the adverse collection for XXXX XXXX Acct # XXXX ) off my credit report. On XX/XX/XXXX ( I received an email from XXXX XXXX ) confirmation that the collection was an error. However, their letter did not state that they SOLD the bogus collection to Diversified Adjustments! Now, Im forced to dispute my credit bureaus account again, re-submit a claim to CPFB, and upload the same information showing I have no debt with XXXX. Losing over 100 points off my credit score! The credit bureau supervisor also advised that XXXX can keep selling this bogus debt to multiple collection agencies until XXXX. This is insane, unethical, and outrageous! I was on autopay with XXXX and over the years I had to endure multiple errors on my account. I have had to place cellphones on stolen alert due to staff leaving with my phones, but never had I ever had to deal with this type of combined unethical practices! Once again, Im crying out to the CPFB to make all parties aware of this dispute.
Product: Checking or savings account

I added my son to my NFCU business account as an authorized user about 2 years ago or so. He was added with no problem. Today XX/XX/2018 my business assets are frozen because he owes them money and they blocked me out of my own business accounts. Apparently he owes them over {$5000.00} and they restricted my account because according ti them they can do that. My son went into a branch as was grossly discriminated against and treated like a criminal when I sent him to get a cashiers check. He has called in several times with me and they have been rude and We have been hung up on and when trying to speak to a supervisor I am advised that there is no one working that someone will return my call in 24 to 48 hours. According to what I know these accounts are from XX/XX/2010 and they are declining to forward information to validate the debt. On the recorded line the rep insisted he say that He acknowledge that he owes the money after repeated attempts by the rep in their recovery she hung up and became rude. By them restricting access to my buainess account it will cost me a total of about XXXX to XXXX in fees and other legal costs because of that. My business should not be responsible of them not verifying his information when I added him over 2 years ago. They should have said no of instead taking opportunity to try to collect on a business account that frankly he is only authorized to go when I am not available. I feel that these actions were initiated as a retaliation because they made me go through hoops about a code word on the account and because I stated that I would report them to the proper authorities.
Product: Credit card

I am responding to the dispute email I received from Citi in regards to dispute cases XXXX XXXX XXXX XXXX. I wish to continue disputing these cases because I did not receive the services I purchased. I made 3 purchases with flights on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All three of these items were for tickets from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I went to the airport the ticket agent stated that the flights were actually originating from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that I purchased on the XXXX The ticket agent said that this happens all the time with XXXX and they have a known issue with their system that causes this to happen frequently. I was informed that the Airline would refund my tickets because I showed up to the airport and this was an error I was unable to resolve. However, weeks later, there was no credit refund to be found. I contacted XXXX XXXX XXXX  and they both pointed fingers at the other merchant stating they can not help because they don't have any liability in this. XXXX said it was XXXX who switched the airline location and XXXX  customer service said it was the XXXXXXXX XXXX 

After I got nowhere with both merchants involved in this, I decided to speak to a lawyer to see what right I have and they told me to get proof of the errors in the system if possible. I recorded the way the system is switching the flight locations and then not showing this change clearly once the ticket is purchased. Once purchased it only shows you the final destination on the app so there was not a clear way for me to understand that the " from '' location was altered in the programming of the app with XXXX and XXXX XXXX. I have proof of these errors and here is the video link I posted on XXXX XXXX XXXX XXXX This shows how it moves from screen to screen and alters the flights ' origin location even when I clearly enter in XXXX XXXX XXXX  in the " FROM '' location. When it brings back the location it shows XXXX - All Airports in XXXX XXXXXXXX. This makes it seem like the location you select on future screens will be XXXXXXXX XXXX because there is no other option available. The search criteria clearly shows no airports in North Carolina but calls XXXX, XXXX XXXX  XXXX. Then after the fact it alters the airport location. If you search for XXXX it returns XXXX - All Airports in XXXX XXXX so later when you see XXXX, you assume its the same one presented to you. 

Again I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service and all three said they could not help with anything and only blamed the other merchants. XXXX XXXX kept hanging up on me. I would call XXXX After I would explain the situation, they would say they are placing me on a brief hold and then would disconnect the call. 

Thanks, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Auto Finance has billed me for {$120.00} as an outstanding debt and reported it to the credit bureaus as default debt. This has driven down my credit report over 24 points and I am recovering from  bankruptcy after my wife had XXXX & we could not afford the medical bills. Ally Auto is really horrible about updating their records. For instance, I had a closed file on a leased car, my 6th leased car from Ally, and the account was closed in good standing. They had the account listed on my credit report as open and somehow written off under bankruptcy. That issue of false reporting was solved after no less than 4 letters to Ally and email communications -- which also drove down my credit report. And for the record. I am a very good customer of Ally, leasing 7 cars in the last 11 years with them and no payment has ever gone over 30 days late.

The current issue is that I got this call from Ally Asset Recovery and  the automated service says I owe {$120.00}. The initial voice mail was from XXXX at XXXX XXXX XXXX ext XXXX. I called her back last week on my 1/2 hour lunch break, got her directly, and she told me it was an outstanding tax bill for account XXXX XXXX XXXX a XXXX XXXX XXXX XXXX  XXXX. But. This minivan was traded in at XXXX XXXX in XX/XX/XXXX and the only way a van gets traded in -- is if all the PPT is paid-which it was. 

XXXX then tells me I have to talk to car leasing and transfers me to a CSR from XXXX -- I then have to verify all my info again, only to be told I have to call Ally Asset Recovery.

I then called back and got ahold of a supervisor and left a detailed vm  and I believe this person was XXXX and this person was also described as XXXX 's supervisor. He also has not called me back. 

This is fraud and Ally Auto Financing is driving my credit into the dirt with their actions and leaving me no recourse but to complain to the CFPB. I am begging for your help. I am supporting my whole family at this point on 1 paycheck. My wife is still recovering from XXXX and these people are literally ruining my chance at financial recovery -- for a bill that should not even be mine to begin with. 

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

I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and Transunion continues to allow them to report this as 60 days late when it is indeed paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid first started back in XXXX, I asked my mortgage company ( Shellpoint Mortgage Servicing ) if I could put my loan/home in forebearance. They allowed me 3 months which were XXXX, XXXX & XX/XX/XXXX. During this time, knowing they were going to expect a full payoff of the 3 months payments, I spoke with XXXX XXXX that was handling my account and asked her if the 3 months forebearance period could be deferred. That request was also granted. In the beginning of XXXX, I decided to refinance my house at a much lower interest rate. Soon after submitting all the information, my prospective new lender told me that Shellpoint had reported 90, 60 and 30 day late payments to the credit bureaus. I was absolutely furious, as I have never made a late payment on my mortgage. I contacted Shellpoint who acknowledged this was THEIR error and that it would be fixed when they reported at the end of the month. Yesterday, I found out that that request was closed because the gentleman didn't complete the correct information. I have called, and called and called trying to get this error on the part of Shellpoint fixed so I can move forward with my refinance but I can't get ahold of a person to speak with. I can only e-mail which I have 3 times and never get a response. I'm at my wits end with this company. I just want them to fix my credit report and remove the derogatory information they reported. I don't see how it's that difficult.