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

I have had a perfect payment history on accounts of mine for the past 17 years. I have had an account with Bank of America for over two years now and back in XXXX, the listed that a payment was past due between 30-59 days. I understand that the payment was late but what I don't understand is why i was never reached out to and notified. I am enrolled in paperless statements per their constant asking so I didn't receive anything in the mail from them and checking my online account, their is no " notifications and Letters '' available. 

What happened was I was enrolled in the auto pay program that paid a payment of {$50.00} per month to cover the minimum payment of {$32.00}. XXXX as of XXXX ) On XXXX my payment went up to $ XXXXmo due to purchases that I had on the card. I had the understanding that my payments were set up to pay my minimum payment like all my other credit cards that are in good standing but I was incorrect and it was set for a fixed payment of $ XXXX/month. 

On XXXX My account was {$70.00} past due ( unnoticed ) bringing my payment to {$140.00}. All the time thinking that I was automatically paying the monthly payment and not a fixed amount. 

On XXXX my past due amount was {$160.00} with a current payment due of {$160.00} bringing my payment to {$320.00} Currently my wife and I are looking to move to a rural area in Missouri for a new job opportunity. Since their is no rentals in the area, we are looking to be new first home buyers. Due to this ( in my mind ) massive misunderstanding, my credit score has dropped over 80 points and we no longer qualify for a mortgage. My report has been marked for the month of XXXX as 30-59 days late on a payment when I indeed was making payments but unknowingly making a fixed payment and not, what I thought, was the true minimum payment. My wife is also 6 months past her turn in date on her leased vehicle due to Covid-19 and she is in desperate need of a reliable vehicle so she can take proper care of our XXXX year old. 

I have tried so hard to keep in good standings with all creditors that I owe and I have never been just, left to deal with it? I didn't get any positive response from BOA and rather just told that it is all my fault and I should have paid my bills. Please please please help [ me get this removed from my credit report and have my payments properly restored to paid and on time. 

since all of this has occurred, I have paid down my balance from almost {$4000.00} down to under {$400.00} and the account will be paid off at the end of the month to {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : ________________________________________ Incorrect Information to Be Removed : 1. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On Tuesday, XX/XX/2022 my company vehicle was stolen from the parking lot where I regularly park my business vehicles. Soon after this incident, I was informed that full coverage was not placed on the vehicle. I have always had full coverage on all of my financed vehicles. XXXX XXXX did not contact my insurance company at any time to inform them that full coverage was not on my vehicle even though I had requested it. Lenders require all clients to maintain full coverage auto insurance to protect their investment and XXXX neglected to confirm that insurance company complied with this requirement. I also contacted my insurance company and was told that XXXX hadn't contacted them regarding the lack of coverage on the financed vehicle. 

I repeatedly contacted XXXX XXXX to come to some sort of agreement regarding the stolen vehicle and no one was willing to assist me. Several of their representatives had very ill-mannered responses to me when I called about the situation. It took weeks for someone to send me my paperwork that was requested regarding the vehicle that was stolen. 

XXXX XXXX is requesting that I pay the vehicle in full when they neglected to insure the vehicle was protected with full coverage insurance.
Product: Debt collection

I had a phone call from a lady pretending to be XXXX  XXXX saying that she is going to serve me paper and somebody complain about me and I need to call them immediately or I will have a case and I can go to jail and when I call back it was a receptionist gentleman, and I said what company it is and he did not want to tell me it was very very shady and next found out eventually then it was Jefferson Capital debt collector. They lie about the amount of money. It was about {$500.00} and they said XXXX and its all debt, and they arrest me very much at my work phone number.
Product: Credit card

I had credit card in my possession. 
transaction denied because they said chip card technology used and can not be counterfeited. 
Obviously I cant be in another state and make any of these transactions on XXXX XXXX. 
they have been able to make charges using my information. I did not give the card to anyone to use. Their fraud department needs to do more research on how somebody made charges in another state using my information. 
this was the same reason wells fargo gave me. 
it is obvious there is a security problem because I had my cards in my possession. 
Please help. 
Thank you.
Product: Bank account or service

Here is what happened : they have refused to deposit this cheque, and refuse to credit my deposited cheques. 

to XXXX., XXXX. 
Here is the email to XXXX it is very explicit in its instructions. Instead of following these or making any attempt to cooperate, XXXX calls me and REFUSES to let me speak. That is beyond aggravating and does not help anyone. She refuses to give me her suoervisors contact, and wonders why I am upset! I have been treated extremely poorly by your bank. And XXXX was rude, hostile, aggressive and condescending. All woukd have been avoided if she had taken the 5 minutes needed to simply READ my email. 

I have now spent 6 hours of my time on the phone attempting to receive my own money. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Fwd : Very upset. 
To : XXXX Cc : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Very upset. 
To : XXXX Cc : I opened up a Bank of the West account about a month ago and have had a lot of trouble getting access to my money. For example a check that I deposited two weeks ago is still debited from my account declared " uncollected '' ... this is a very long time not to cash a check. 

Today in the grocery store I was unable to buy groceries. I called the number on the back of the card but nobody ever answered. 

I called XXXX at the branch I had opened at and she said the card was working fine. I explaind to her that I could not make the purchase. 

I was in the store over an hour and my card never worked. 

XXXX called me back and was very unsatisfactory, not apologizing at all, and not answering my questions or letting me speak. 

I called customer service. he put me through to XXXX who only said that my card is working fine even though I told her that its not. Her she said she would give me a direct number if I had any other problems but she did not give it to me. 

I have a cheque coming in of XXXX. I trust you will not hold these funds for ver 2 weeks like you have been holding on to my other checks. As soon as it is cleared I want you to notify me immediately so I can come in and take all my money and close my account. As clearly you do not want me as a customer mPlease verify that you have received this email, and will notify me the minute that the check is clearedmThank You XXXX XXXX
Product: Prepaid card

I have had contacted american express XXXX  card about a service they offer XXXX XXXX XXXX XXXX XXXXXXXX is to use it for purchases and withdraw money as a guest they are not giving me any information could please let me know. Thanks
Product: Credit reporting or other personal consumer reports

I checked my consumer report and noticed that you are reporting XXXX accounts that are described as charge off XXXX & XXXX. This violates15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( credit bureau ) making the report. If this is a charge off, I have not received 1099 for which account. You, as the credit reporting agency are supposed to ensure maximum possible accuracy of data you furnish to report. Please remove account from consumer report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently field a lawsuit investigation against Experian, alleging systemic issues such as forwarding consumer provider evidence to furnishers, accepted unreliable responses and failing to inadequately notify consumers of dispute outcomes. These failures align with my Experian has neither corrected nor removed or amend the disputed accounts. As Experians inactions violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX due to XXXX from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I've never used XXXX. 

2. I have NEVER lived in XXXX, VA 3. Under employment data : I couldn't have been hired in XXXX, it's not me. 

4. XXXX XXXX XXXX XXXX Should be removed from report it expired XX/XX/XXXX
Product: Mortgage

My house burned down XXXX days for XXXX this year. the insurance company sent me a check. I sent the check to shelpiont mortgage company to pay off my mortgage. they initially misplaced my check and then they didnt follow the letter of intent that was sent with the check Until I called repeatedly for almost a month straight and then once they found it they followed the letter of intent but by then my mortgage is already late by months and Its reflecting on my credit as such and I cant get another mortgage for a year because of them I contacted the Shell point mortgage repeatedly and discussed it with them even with photographic evidence they will not change the remarks sent to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to XXXX, Equifax and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.
Product: Credit reporting

I have disputed the account ( Account number XXXX ) online through Equifax information systems. Equifax came back and said that it was " verified '' by the collection agency, however they could not provide me with the information on HOW it was verified or a contract that I signed with their agency ( XXXX XXXX XXXX.. This account does not belong to me. I started checking my credit in XX/XX/XXXX When I researched my credit history I had absolutely NOTHING on my record aside from names and addresses as of XX/XX/XXXX. I applied for a credit card and was approved. Meanwhile, I check my score a month later only to find out that a company by the name of XXXX. has reported a debt that is 7 years old on my Equifax credit report. The account " says '' XXXX date : XX/XX/XXXX. However, the last reporting date was XX/XX/XXXX. This is unfair credit reporting. I have/had no knowledge of the account and feel as I have been unfairly targeted. There was no collections on my credit in XX/XX/XXXX and now there is XXXX on there 7 years old. This practice is not right and it is compromising the integrity of my reputation, and the ability for me create opportunities for my family. Please look into my situation. This company has not followed proper protocol when it comes to debt collection and had not provided me with any written or verbal communication stating they would be placing said debt on my credit report ; which is a direct violation. I should have been notified in writing five days before the account is placed on any of my reports. Therefore, the account is invalid, unverified, and illegitimate and should be removed immediately.
Product: Credit card or prepaid card

Bank of America has made a decision to close the two credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXXThe List of account below has violated my federally protected consumer rights tp privacy and confidentially under 15 USC 1681. 

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


And according to 15 USC 1681! 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file an investion on an account that is reflection on my credit report. I was doing and investion on my credit report and saw that XXXX XXXX XXXX was reporting information about a collection with the total amount {$3800.00}. I asked that the credit reporting agency do a proper investigation to ensure it was actually my dept and they failed to do so. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

I have a mortgage with Citizens Bank. I can not view my monthly statements or my tax documents online. When I called them last week, they kept referring me to other departments and kept giving me other numbers to call. Eventually after several hours on the phone and online chat I gave up. They won't make my documents available to be viewed online and they won't mail them. I still can't get my 1098. Also, when I called they went into debt collection and said that my mortgage is in default and I am at risk. This mortgage was in a forbearance because of the pandemic. They should have modified the loan. I do not know the status of the loan modification, I do not know my balance, my interest, my account number and can't access my 1098 to work on my tax return. Please help.
Product: Debt collection

This complaint is against AARGON AGENCY INC this account was reported to XXXX on XX/XX/2015 AARGON Agency did not send me a letter of notice of right to dispute. I have heath insurance that was suppose to pay my medical bills except the co payment of course.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I disputed the XXXX XXXX account with Equifax. Equifax stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Equifax? Clearly they didnt. 

I then requested the method of verification from Equifax. That I have not received. 

XX/XX/19 I sent another dispute telling Equifax to delete this same account because they are violating the FCRA by reporting a past due balance on a collection. 

Equifax is still reporting this account and it still has a past due balance and have not been validated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 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: Student loan

My loans have transferred from XXXX XXXX to American Education Services. My complaint is that this servicer DOES NOT provide the information necessary in order for me to manage my loans. The website DOES NOT provide information on my scheduled payment plans, so I have no idea when my payments will be increased. The website DOES NOT provide information on how many months I am paid ahead. The servicer DOES NOT allow for overpayments to be applied to multiple loans in one account. These are ALL basic items that XXXX XXXX allowed consumers to do. This information is needed for consumers to plan and manager their student loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$8900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$850.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00}