23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case American Express National Bank v. XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022, I was contacted by my sister. She informed me that XXXX XXXX XXXX went to my fathers house in XXXX XXXX, FL. According to my dad and my sister, XXXX was attempting to serve a warrant regarding a debt with American Express. I have attached a picture of a text message that was sent to me by my sister. I asked my sister if she meant lawsuit instead of warrant. She said no- the person attempting to serve the papers to my father at the incorrect address referred to the papers as a warrant ( inferring an arrest or legal issues with the law ). In addition, it bothers me that XXXX XXXX XXXX gave my father specific information regarding my debt, including the amount owed and that the debt is due to American Express. 

This is legally problematic due to several issues. ( 1 ) XXXX XXXX XXXX members of my debt, who it is owed to, and the amount owed. ( 2 ) The representative of XXXX that contacted my father, XXXX XXXX, referred to the lawsuit as a 'warrant ' to my father, possibly implying that I was in some sort of legal trouble with police. ( 3 ) My father, the person to whom the process server spoke to at his home, is my abuser. My abusive father now knows about my debt. ( 4 ) I have mental issues including XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX related to my family and my father. This incident, including having the incident reported to me by my abusive family, has caused me significant problems with my mental disorders. I had to temporarily increase my medication, and I had to make an emergency mental health appointment. Even typing about this incident and having to relive it in my head is causing me additional mental anguish and anxiety.
Product: Credit card

USAA F.S.B ( XXXX : XXXX ) About 6 weeks ago, I applied for a credit card with USAA F.S.B by phone. I specifically instructed the representative that we wanted the Cashback rewards plus XXXX XXXX card -- we specifically told the representative that we wanted the card that offered 5 % cash back for military purchases. We were approved, but a few days later found out that the representative had accidentally submitted our application for a different credit card -- the World Mastercard. 

I have been on the phone with USAA customer service at least 5 times, and we have received no useful information yet. USAA once told me that they had pulled the record of the phone call and the manager was going to review the recording, but we were subsequently informed that USAA was still searching its records for the phone recording. We have never been given a chance to speak with a manager about this issue, and USAA has even stopped calling us to give us updates about our case. The customer service could not be worse, and it appears that after 6 weeks of time to review, USAA has not done anything to rectify their mistake. 

In short, USAA F.S.B. did not process our application for the credit card that we requested, and they issued us a different credit card that we did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXXBalance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to file a formal complaint regarding a serious issue with the reporting of a late payment by BANK OF AMERICA , N.A . to the credit bureaus. According to the bank 's records, a payment that I made on time is being incorrectly marked as late. This error has had a significant negative impact on my XXXX XXXX, and the stress of dealing with this misinformation has been overwhelming as I strive to maintain a strong and accurate credit history. This inaccurate late payment is not only misleading to potential lenders but also an unfair representation of my financial responsibility. I have always made a conscious effort to meet all of my obligations on time, and it is incredibly frustrating to see my efforts undermined by a simple reporting mistake. It is troubling that such errors continue to persist, particularly when maintaining accurate credit reports is a clear obligation for financial institutions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date.

Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am contacting you to inform you that I am disputing the claim by XXXX XXXX XXXX that I owe a debt to them. My contract with XXXX XXXX XXXX had expired and I had a month-to-month arrangement with them. In XXXX of 2017 I informed them that I would no longer require their services as I was switching to XXXX. After much difficulty from them, I returned their equipment and my XXXX service commenced on XX/XX/2017. The XXXX XXXX XXXX bill was due on XX/XX/XXXX and by that date I was no longer using the XXXX XXXX XXXX service. The XX/XX/XXXX payment would have kept me in XXXX XXXX XXXX service up until the XXXX payment. I informed an XXXX XXXX XXXX representative that I was terminating my service with them and asked for instructions on returning the equipment.
Product: Debt collection

COLLECTOR FAILED TO SEND VALIDATION LETTER ALONG WITH INFLATED FEES AND IS COLLECTIONG WRONG AMOUNT. THERE IS A TAX LIEN ON MY PROPERTY IN THE AMOUNT OF {$800.00} AND A APY OFF OF XXXX, WITH WILL BE PAY ON XXXX/XXXX/2016 VIA HUD-1 CLOSING STATEMENT SOLD HOUSE ETC..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft and I am trying to protect my credit file because of a unauthorized access to my credit. I found new accounts that have never appeared before on from the following copmanies : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE DELETE THE ABOVE UNVERIFIED ACCOUNTS. I am disputing them again under 611, 623, 609 FCRA.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for unemployment and was informed that my account would be with Bank of America. Having waited a month for my card to arrive, I decided to contact BoA customer service on XX/XX/2021, to tell them my card still hadn't arrived, and they informed me this would be the third card sent. I informed the agent that I never received the first or second card sent out, The agent sent the new card through XXXX XXXX. I finally received my card on XX/XX/2021, and activated my account with bank of America. When I finally activated my account to my surprise XXXX XXXX dollars was stolen. I waited for the next business day XX/XX/2021. The agent submitted my ticket and about a week later I received all of my money back but the issue didn't stop after changing my password and security questions. When I checked back on my account in XXXX XXXX. XX/XX/2021 - XX/XX/2021, There were multiple transactions made on my account that were not me all adding up to {$3100.00}. One of the transactions was a bank transaction I never went to the bank to withdraw money. They sent a replacement card out on XX/XX/2021. On XX/XX/2021, I received an email that another replacement card was sent out, this was a mistake because I never ask for a replacement card When I called the customer service line I found that the answer to my security question had been changed from my mothers Maidan name to a different one. It worried me that changing my security question wasn't hard at all which was why my account is still being stolen from. I asked about switching accounts and getting my money back on a different card to prevent theft yet again but no solution was provided to me. My claim for {$3100.00} was opened and closed BofA informed me I should file a police report and the money will be sent back. The first time I called to file a police report the officer told me to contact Bank of America to get the appropriate paperwork. The second time I tried to file a police report the police officer came to my home and informed me to file a police report I would have to get an affidavit and get it notarized by the bank, then I would have to contact the postal police so they can investigate where my mail was going, then finally I could fine a police report. I went to the closest Bank of America near me that same day XX/XX/2021 I went to the bank to try getting an affidavit and I was told it wasn't possible. After 8 months of getting nowhere and jumping threw loops, I decided to file a claim with CFPB I awaited a response at that time I was contacted by a BoA employee who gave me her information she informed me she was working on my case and she'll keep in touch with the decision. After that day I never heard from her, I called many times for updates. Finally, I got a notification from CFPB that BofA has responded and contacted me directly. BofA did not contact me at all, I found out by contacting someone at CFPB. I have now been dealing with this for over a year with no luck. I was financially struggling, with no income, and other stresses I am still struggling, someone stole my money and got away with it.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit card or prepaid card

Received a prepaid card for prepaid amount from Bank of America on behalf of XXXX XXXX XXXX XXXX. I called around XXXX or XXXX trying to use the card. Was not allowed to set up a PIN due to zip code mismatch. I talked for over an hour and was told zip was corrected. After the call, I tried to establish a PIN but was informed that zip code was again invalid. Called again and spent over 2 or 3 hours fixing the issue with at least 5 different people. Escalating this few times. Finally I was able to fix the zip code and to establish PIN that did not work. Over 4 hours spent, escalating this issue multiple times. I believe BOA is doing this intentionally to keep money or at minimum discourage owners of the prepaid card to go throughout 5 hours of phone calls. Time spent on this simply does not translate to any minimum hourly wage. Please issue check to my current address for full amount plus compensating me for time lost on this unprofessional service!
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified XXXX accounts that may be inaccurately reported. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX/XXXX  XXXX  Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with these accounts. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the accounts be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting these accounts. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit card or prepaid card

CITI BANK Citibank XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX. 
ON XX/XX/XXXX TH 2021 I APPLIED FOR A CONSUMER CREDIT TRANSACTION WITH CITI BANK BEST BUY. I THEN RECEIVED A NOTIFICATION THAT I HAD BEEN ALLEGEDLY DENIED MY BIRTH RIGHT OF RECEIVING CONSUMER CREDIT BASED ON ILLEGALLY FURNISHED INFORMATION ON MY CONSUMER CREDIT REPORT. CITI BANK USED MY CREDIT CARD TO RECEIVE CREDIT BUT DID NOT EXTEND THE CREDIT TO ME.THEY FURNISHED MISLEADING DOCUMENTS SUCH AS A ADVERSE ACTION LETTER.ADVERSE ACTION HAS NOTHING TO DO WITH THE DENIAL OF CREDIT BECAUSE ACCORDING TO THRUTH AND LENDING I AM THE ORIGINAL CREDITOR..I AM THE THE ORIGINAL CARD ISSUER THEREFORE WHEN I EXCHANGE MY CREDIT CARD I SHALL RECEIVE SOMETHING OF EQUITY IN RETURN.I DID NOT RECEIVE ANYTHING.I HAVE BEEN ROBBED AND HUMILIATED. 
CONSUMER REPORTING AGENCIES HAVE NO RIGHT TO FURNISH INFORMATION WITHOUT WRITTEN CONSENT BUT THEY STILL WENT AGAINST FEDERAL LAW. 
ITS MY RIGHT AS A CONSUMER NOT BE JUDGE BY A SCORE, I AM A NATURAL PERSON WITH A OPEN END CREDIT PLAN .HOW IS IT POSSIBLE THAT THEY ARE ALLOWED TO COMIT THESE FRAUDULENT ACT WITHOUT BEING HELD ACCOUNTABLE. I WANT JUSTICE .I DON'T DESERVE TO BE TREATED LIKE THIS! 
PLEASE DON'T NEGLECT THIS MATTER I HAVE SUFFERED SERIOUS INJURY DUE TO THIS SITUATION I NEED YOUR HELP CFPB A FINANCIAL INSTITUTION CAN NOT DENY ORIGINAL CREDITORS TO ACCESS TO CREDIT. 
SINCERLEY, XXXX XXXX XXXX AM WHO I AM AND NO ONE OTHER )
Product: Mortgage

I do n't understand why I have paid XXXX for a property that was foreclosed by XXXX XXXX and why the payments I made to XXXX and XXXX XXXX XXXX did n't count. I have made ALL of the payments on the XX/XX/XXXX truth in lending disclosure statement on a 7 % loan. I have made enough payments to XXXX to pay off a 15 year loan at 4.34 %. Now that we have paid XXXX for the property XXXX XXXX took they want me to not only pay for the original loan they want me to pay them my down payment again. 
I do n't know where this goes I paid {$270000.00} for my house in XXXX XXXX. 
{$65000.00} down payment. {$210000.00} @ 7 %. 
XXXX XXXX Refinanced $ XXXXXXXX6.5 %. 
XXXX XXXX paid {$5000.00} to escrow shortage. 
XXXX XXXX refinanced to XXXX and in XXXX it dropped to 5.875. % and a new {$260000.00} included a {$35000.00} line of credit. In all I paid {$79000.00} to XXXX mortgage {$49000.00} to XXXX, {$39000.00} to XXXX paid {$36000.00} to XXXX bank. {$340000.00} to XXXX and {$39000.00} to XXXX. {$30000.00} to XXXX plus {$79000.00} to XXXX. {$62000.00} to XXXX XXXX ( plus {$61000.00} from foreclosure ) and {$69000.00} paid to XXXX. 
In XXXX I owed {$20000.00} on a va loan I did not refinance. 
XXXX XXXX XXXX released XXXX {$260000.00} loans. XXXX for the second time. XXXX released the same {$35000.00} twice - XX/XX/XXXX and again in XX/XX/XXXX. 
My credit report shows a {$310000.00} mortgage with XXXX XXXX XXXX and a {$240000.00} mortgage at XXXX I never had. In XXXX XXXX XXXX XXXX offered me a {$420000.00} loan on my house and a {$150000.00} loan on my duplex I never signed. XXXX XXXX took my duplex in XXXX and I had to sign a {$290000.00} modification to keep my house / to which I have paid {$110000.00} ( @ 2 % on {$240000.00} ). The current balance is now the XXXX purchase price. I paid off the VA loan and the buyers {$91000.00} loan on my duplex was also paid off in XX/XX/XXXX. In all I paid off {$44000.00} credit cards - that were already added in the mortgage. I paid them -with interest - at least twice. We filed bankruptcy in XX/XX/XXXX and all debt was discharged yet my credit report shows {$79000.00} was paid. ( I mailed over {$170000.00} seperatelybto those credit cards over 3 years ) I believe I have paid the escrow on all three properties 3 times. Or I paid over 20 % interest. I have paid off all of the principal interest taxes and insurance on XXXX properties and owe more than I paid for the only XXXX left. 
All of the credit cards and the second mortgage were included in the balance I still owe. None of the {$460000.00} I have paid on my house counted. 
None of the {$160000.00} I paid for my duplex counted. 
I paid {$30000.00} more than I owed on the VA loan I never refinanced. 
I believe I paid the discharged debt back twice. 
The way I see it is I have paid {$660000.00} interest ON MY HOUSE. 
And 4.5 % more interest on the original balance and pay my down payment again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following incorrect information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my attempt to resolve these issues, I have not received any response from them. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8500.00} ) - You are reporting the account balance incorrectly. I believe the actual balance is lower than {$8500.00}. Furthermore, please remove the information regarding the past due amount, as it should not be reported since this account is closed and charged-off. I request that this account be marked as disputed to prevent any negative impact on my credit score. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) - The following account was never late. Please remove the late payment from the account. 
XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX Balance : {$2500.00} ) - The information presented for this account is inaccurate. The original creditor is XXXX XXXX XXXX, not the company you indicate. Additionally, the balance reported is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$330.00} ) - The information presented for this account needs to be investigated. The original creditor is XXXX XXXX XXXX XXXX, not XXXX. The reported balance of {$330.00} is inflated and inaccurate. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$610.00} ) - The information presented for this account is inaccurate. I recall having a lower balance than {$610.00}, and the past due amount should not be reported since the account is closed and charged-off. I request that this account be marked as disputed and that you verify the Date Opened, Date of Status, and First Reported.