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

plz remove the following inquiries as they are not mines 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 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  please delete as I did not give my written consent or to run my consumer credit and this is a direct violation of my consumer right 15 USC 16818
Product: Credit card

The creditor violated the Fair Credit Billing Act. I previously notified the creditor that I did not receive statements from XXXX through XXXX due to an incorrect address which I notified the creditor of several times in writing and over the phone. The creditor did not respond to my complaint as requested and have incurred two 30 day delinquencies as a result.I contacted Citibank and spoke with a representative named XXXX who concurred with me.The representative also advised me that online access was canceled without my knowledge or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax breach I placed a freeze on my Equifax credit report-I received a pin number to manage this freeze. I wanted to temporarily lift the freeze and my pin number didn't work. I tried to resolve this online and the system was unable to process my request. After countless attempts and a considerable investment in time and aggravation and numerous contacts, I was able to speak to someone who hopefully has resolved my issue. My concerns are : 1. Nobody was able to tell me why my Equifax provided pin didn't work-only that I needed to expend more time and energy to resolve their problem.

2. I was unable to address this on-line in an expeditious and easy manner 3. Why am I and my information being held hostage by Equifax limitations in resolving their errors?
Product: Credit card

XXXX XXXX, XX/XX/XXXX, {$470.00} XXXX XXXX XXXX XXXX XXXX {$580.00} I called the bank immediately they sent a text for me to confirm the transaction, I clicked on No cos it wasnt me. I called the bank immediately, told them my card was missing and it was being used fraudulently. The bank gave me temporary credit, now they came back saying they are reversing the credit.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 that account 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Checking or savings account

ADP, on XX/XX/XXXX released bank funds where there was a stop order, cancellation, and refund to be issued. The cancellation took place XX/XX/2023. The funds were released on XX/XX/2023. XXXX released an informative statement addressing the cancellation, complete refund, and accountability status on XXXX 2023. The funds released never should have taken place and they're taking their time about my {$230.00} something refund.
Product: Credit reporting or other personal consumer reports

XXXX inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX : XXXX. XXXX, 2023 equifax XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX : XXXX. XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 3 debt from XXXX, tatshow on my report. This debt has been paid. The 3 Collection accounts from XXXX, still show on my report I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report
Product: Vehicle loan or lease

I financed the XXXX XXXX at the end of XX/XX/XXXX, it is now the end of XX/XX/XXXX. I have received 4 notices ( I have had the truck for 6 months ) from MAS Financial Services claiming that MAS Financial Services is not listed as the Loss Payee on my insurance, which has been current since the day after I purchased the vehicle. The notice also states that if I do not fax a current declaration page within 7 Days they will add coverage and charge my account, Increasing my monthly balance. After each one of  these notices I have contacted my insurance agency XXXX XXXX XXXX and they have confirmed that MAS Financial is listed as a Loss Payee. XXXX XXXX XXXX even let me know that MAS Financial returned an acknowledgment in return stating that they received the Declaration Page. I should not be harassed by MAS Financial on almost a monthly basis into sending them a current Insurance Declaration Page ( that hasn't changed and is still current ). MAS Financial is betting on the possibility that I ( XXXX Year old young man ) may not deal with their threat, in order to get more money out of me. In addition the notice I received Monday XXXX had a falsified date on it of XXXX, the same date as the notice I received the month prior. I am only attaching 3 of the 4 notices I received as I have misplaced the original notice i  received just after purchasing and insuring the truck.
Product: Credit reporting or other personal consumer reports

AFFIRM INC Account number XXXX  Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$32.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$120.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$32.00} Original balance {$170.00} Highest balance - Terms 6 Months Account name AFFIRM INC Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$37.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$140.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$37.00} Original balance {$200.00} Highest balance - Terms 6 Months
Product: Credit card or prepaid card

XX/XX/23 I was offered 30 % off my first order to apply for a card at XXXX XXXX XXXX XXXXXXXX. I made the application and nothing happened. No denial, no approval and no 30 % came off the total. I called the company and told them to cancel the order and to cancel my credit card application. Today I got a text saying I was behind on my payment. I called the number and they said they couldn't help me that they were comenity bank and I needed to call the store. I called the store and they said I needed to call the bank. This went on for a few hours and now I'm here. I never got the merchandise, I never got the card or the statement and I never got the 30 % off the order they say I received. No one there can help me and I have no info to give you because as far as I know I have no account with them.
Product: Student loan

After the CARES act went into effect in 2020, I called Navient on XXXX/XXXX/2020 to ask what I could do as I have 2 FFELP loans and they say federal in the title. I was told it's considered a private loan even though it's federal protected but it's not a federal student loan and that I didn't qualify under the CARES act. I asked if there was anything I could do to essentially have the loans to be considered a DE federal held/serviced loan. They said I can refinance my loans but that won't make them federal but it will make them private and may reduce my payments. 

I told them I did not want this option as that did not make sense for me to do. 

However, I just learned that I could have consolidated my 2 FFELP loans into a Direct Consolidation Loan which then would make them fully federal loans and as such this would have made me eligible for the CARES act and received the 0 % interest during this time and I could have not had to have been having to pay for my loans without penalty. 

I've been paying for the past 2 years with interest on something that I didn't have to if I was provided accurate information. Instead either by malicious design by the company ( to keep my loans with Navient and me paying ) or by accident ( agent truly was not educated or trained to this information ) and as such did not provide accurate and complete information to allow me to make an informed decision. I paid an additional {$2900.00} ( plus accrued interest ) in the past 27 months that I wouldn't have had to due to the CARES act. 

I'm very frustrated as if I had been informed of this option, I would have done just this back in XXXX of 2020 to save myself and my family money that we could have spent on our day to day living. 

I consolidated into a Direct loan this morning ( to be covered under the CARES act as well as the loan reduced under the Biden Administration 's Student Loan Debt Relief Plan ) but still upset that this should have been presented to me as an option back in 2020. That would have meant that I could have not had interest during this time ( increasing my student loan cost ) I would love for all the interest to be removed from my loan due to their inaccurate information. I called Navient to get answers, clarification, choices and was led astray and it costs us thousands.
Product: Money transfer, virtual currency, or money service

I had multiple transactions unauthorized and couldnt get refunded
Product: Debt collection

On XXXX I received mail from XXXX XXXX alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however resurgent responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report related to the XXXX XXXX  account ending in XXXX. The account is being reported as charged off ; however, XXXX XXXX  has failed to issue a Form 1099-C or provide documentation verifying the validity of this debt. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting of consumer credit information. 

Disputed Information Creditor Name : XXXX XXXX  Account Number : Ending in XXXX Issue : Charged-off account still reported without verification of validity or issuance of a Form 1099-C.

Violations 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

2. 15 U.S.C. 1681s-2 ( b ) : Failure to properly verify and correct inaccurate information after a dispute.

Requested Resolution 1. Remove the XXXX XXXX  account from my credit report. 
2. If the account remains, require XXXX XXXX  to provide : Proof of continued collection efforts or A Form 1099-C, if the debt has been forgiven.

Supporting Documents I have included the following : 1. A copy of my credit report with the XXXX XXXX  account highlighted. 
2. A copy of my government-issued ID and proof of address for verification. 

Please complete your investigation and notify me of your decision in writing within 30 days, as required by law. 

Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX
Product: Debt collection

XXXX XXXX XXXX is reporting False information that has been reported for identify theft. this account does not belong to me and keeps being reporting under different agency names with False information, it does not report accurately has the LAW states it should. please remove from credit report or i will sue for damages that this is causing to me financially. 
all information is incorrect that is reporting on my file. i have copy and pasted the information from my credit file Account Number XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jeffcapsys Jefferson Capital Syst Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$1200.00} {$1200.00} Current Balance {$1200.00} {$1200.00} Responsibility Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Product: Money transfer, virtual currency, or money service

My cash app not receiving balance on time as needed
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address 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 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating the account is accurate while providing zero evidence of any investigation or proof. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked as inaccurate XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, {$320.00} XXXXXXXX XXXX XXXXXXXX, {$160.00}
Product: Debt collection

The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Product: Credit card or prepaid card

I applied for PenFed credit card because of 0 % APR promotion and they still charge me for interest fees even though I was promised for 0 % APR promotion upon signing up.
Product: Mortgage

This is my second complaint filed against Bank of america. I am on my third short sale agreement. They approved the first short sale, but buyer cancelled bc BOA was taking so long, asking repeatedly for documents they already had. Second short sale they finally rejected after I sent in a complaint against them. They said it was because I was current on payments. Only reason I was current on my payments was because I borrowed some money to keep it from foreclosing after the first short sale fell through only a few weeks before we closed. The short sale and mortgage depts refused to communicate. Even though I had a short sale contract they still pursued foreclosure. So, I remodified the loan to buy some time while we found another buyer. Now we are on buyer number three. My realtor submitted to equator a week ago the short sale and BOA still has not initiated it. I have tried multiple phone numbers to contact them. I have tried the number which they have instructed me to use : XXXX. I enter my loan number and follow the prompts and then get a recording for a voice mail box.I left two messages last week. I have been calling for a week now and still get the same message. Every number I call for BOA I still get that voicemail recording. I even went on the website and tried to chat. It said nobody was available. I called the mortgage and home equity line just trying to get a live person and each time i end up at the voice recording. This has never happened in the past 1.5 years I have been dealing with them. So now, we have another buyer and another contract and BOA is impossible to reach. We can not move forward without BOA initiating the short sale and my realtor has done her part. I can not even find a way to talk to any human at the bank in any department.