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

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Product: Payday loan, title loan, or personal loan

When I got my first billing from Ally I noticed that I was being charged an interest of {$92.00} on a Zero %, 18 month loan when I replaced my HVAC unit in my home. Guy I spoke to said I will continue to get this interest charge added to my bill until my initial loan is paid in full and if I miss two payments it will autoimaticly be attached to my loan. I told him this was not disclosed to me at the time I file for the loan by either the HVAC company nor Ally bank reps. My HVAC company is " XXXX XXXX XXXX '' in XXXX XXXX Nevada. 
So I feel I was lied to about my loan app and Ally Bank failed to disclose this interest extra charge to me at the time of my app for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband used my personal information to open this credit card account without my permission. Once I found out about the card, I attempted to maintain it and make the minimum payments but struggled doing so. 

XX/XX/2017, I closed the account due to high interest and set the payments on autopay. Somehow, the autopay payments weren't being received resulting in several late payments on my credit. 

Once I was made aware of the derogatory status, I got caught up on the payments and as of the past couple weeks, I've paid the account off in it's entirety. 

Though, I did my best in maintaining this card, the fact remains that it was opened fraudulently without my permission.
Product: Debt collection

Midland credit is trying to collect debt that is either too old to collect or does not exist.
Product: Debt collection

Credit Management Control has been reporting an account on my credit forever. I have been disputing the account and after many attempts they finally sent me something. They mailed private, medical billing information, to my old address!!! They have violated my rights in accordance with HIPPA! PLEASE HELP ME!
Product: Mortgage

Bank of America holds my mortgage and I pay into an escrow account for my property taxes and homeowners insurance. My homeowners has now been cancelled for nonpayment, because Bank of America never paid the bills. When contacted B of A says my insurance company never sent a bill and that I can contact my company to send them a bill and it will be paid. However my insurance company will not reinstate my policy. My agent has searched for a new policy, but due to the cancellation can only find insurance in surplus lines which will cost almost {$2000.00} more than my original policy. I have the papers that show B of A was sent a bill along with later cancellation notices. How could Bank of America know to send me notice that my insurance had been cancelled if Bank of America never received anything from my insurance carrier. Plus I have enclosed the original bill that was sent to Bank of America. I want B of A to pay the difference on my homeowners insurance as they caused my dilemma. It is ridiculous to think this company can just say " oh we never got a bill '' and it relieves them of all responsibility. If I tried that with my mortgage payment I highly doubt B of A would just let me pay if and when I got a mortgage bill without repercussion. Bank of America needs to either pay for the surplus insurance line or they need to get my insurance company to reinstate my full policy at my original rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should be off of my account as paid off.
Product: Debt collection

sent all identity theft documentation requested by XXXX, proving my residence for last 6 years also social security documentation proving I am XXXX I do not need or never bought cable at address I never lived at or know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX and Equifax 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred from my business CHASE account via same day transfer ( XXXXsame day, low value ) to a vendor/ XXXX  {$2100.00}. 

XXXX did not receive the transfer in time to use the funds for a time sensitive transaction to XXXX. 
XXXXXXXX XXXX deadline had expired. 
The next day I received a credit from XXXX in the same amount of {$2100.00}. 

On XX/XX/XXXX CHASE issued a fee of {$21.00} for this botched same day transfer on XXXX. 

Today on XX/XX/XXXX at XXXX XXXX I called the CHASE customer service line but CHASE refused to credit the fee of {$21.00} which is a 1 % fee of the value to be transferred. 
The customer service agent escalated the credit request to her supervisor. The supervisor told me that her system is blocking a refund. 

CHASE claims the XXXX credit received on XXXX was a " separate '' transaction from XXXX  ( not a " can not deliver return '' ) so they can not credit me the service fee for the failed same day transaction service. 

Pls advise. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. Im not sure what documents are required for this so I will add the incorrect late below including the account number and the date it was opened. I have contacted the creditor and was told to file one of these. This is reporting incorrectly and is preventing me from living a normal lifestyle. I WAS NEVER LATE. Thank you for your help. 
XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX ( Closed ) Acct # XXXX Opened XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

In XXXX XXXX I talked to 2 PennyMac Customer Service agents and they both said they could not change the mailing address to what I need. 

When I informed the second agent that I was unable to set up an online account without submitting my cell number and consenting to be spammed, she asked if I could submit an email address instead. I said that was not possible. 

I have hit a dead end with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX XXXX of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for JPMCB, and XXXX XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX XXXX XXXX Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account ( # XXXX ) as reflected on my credit reports from TransUnion, XXXX, and XXXX. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : XXXX XXXX Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. 
XXXX and TransUnion : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. 
Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms.

It is my understanding under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate.

Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist.

Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following : Conduct a thorough reinvestigation of the reported late payments for the periods in question. 
Update my credit reports to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of completing the investigation.

If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA.

References to Legal Obligations : 15 USC 1681i : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers.

15 USC 1681s-2 : Prohibits the reporting of inaccurate or incomplete information.

15 USC 1666 ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information.

Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law.

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax, XXXX and XXXX dropped my credit score XXXX  XXXX  simply because my XXXX XXXX credit card balance decreased from XXXX to XXXX. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIDELITY INFORMATION C Original creditor : XXXX XXXX XXXX : {$2900.00} STATUS DATE : XXXX XXXX This formal complaint regards a fraudulent entry on my personal consumer credit account, erroneously reported since XXXX XXXX, listed by FIDELITY INFORMATION C XXXX regarding original creditor : XXXX XXXX XXXX XXXX adversely affecting and damaging my credit score and financial status since XX/XX/XXXX. 

After multiple attempts and repeated requests, including certified mailings with court certified documents ( mailed XX/XX/XXXX to FIDELITY INFORMATION C XXXX validating my dispute regarding the above stated fraudulent entry, XXXX XXXX XXXX has continuously refused to remove the fraudulent listing and repeatedly disputed my requests for removal with major credit reporting agencies. 

I am seeking full redress and a complete cease and desist from FIDELITY INFORMATION C ( regarding original creditor : XXXX XXXX XXXX for any future dispute rebuttals, and immediate removal of any and all negative reports or entries from my personal consumer credit account, including any and all public reporting involving my name or likeness. 

I have full documentation ready and available upon official request.
Product: Credit reporting or other personal consumer reports

This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and XXXX
Product: Mortgage

My husband passed away two years ago. Both our names are in the deeds to the house but he later went on to take out a mortgage in his name only. 
I am selling the house and the mortgage company, US Bank sent a payoff amount with over XXXX added for escrow. They claim theyve been paying insurance. They didnt need to. They say a XXXX XXXX dollar payment for insurance was charged to the home mortgage in XX/XX/XXXX. They are refusing to adjust this amount in the payoff to reflect that as of Monday I wont own the home or need it to be insured for the coming year. 
They said after the house sale the insurance will be cancelled. They said I could fight with the insurance agency to be reimbursed but added that as the mortgage is in my husbands name it wouldnt be payable to me.
Product: Checking or savings account

Please see attached " XXXX XXXX XXXX ''. I had to hire an attorney after patiently trying to get XXXX to do the right thing. 
I have been trying to resolve this issue with XXXX for almost 11 months. I believe XXXX is intentionally trying to wear me down so I will drop the matter. I am more energized than ever because I believe XXXX is intentionally using the same practices with thousands of customers who do not have the financial resources to hire legal representation. This is a classic example of a large company taking advantage of ordinary hard working people. 
I would greatly appreciate the CFPB 's support in exposing XXXX 's violation of the XXXX XXXX XXXX and their deceptive business practices. They deserve to be punished for their general lack of care and violation of laws. Please help me expose their wrongdoing!
Product: Mortgage

I obtained a payoff amount by phone on XXXX/XXXX/XXXX @ XXXX which was higher than the payoff amount that was calculated. They could not explain the difference. Coincidently the difference is the same amount that I had disputed earlier and had been resolved in my favor. I paid off the amount due as stated on the loan statement and disputed the difference. They have continued to add interest and late payment charges on this disputed amount and after numerous letters and forwarding them all of my cancelled checks for XXXX, XXXX and XXXX and including a spread sheet that shows the balance going down after the resolution in my favor on the unsubstantiated charges and then jumping back up by the same amount just a couple of months later.I have been mailing, phoning and even went to the bank to get an explanation. After almost a full year the only response I have received is " It does n't look right. I will check into it '' from the local branch manager and XXXX letter in XXXX saying they were looking into it. There has still been no attempt to justify the charges. 
They have made repeated charges for which they could make no justification since taking over this account from XXXX XXXX. In XXXX they charged late fees when I had cancelled checks showing that I had paid on time. They initially claimed XXXX late payment back years before they took over which I paid, Than they mysteriously found more late payments from when XXXX had the account that XXXX never made reference too and tried to claim them. When I threatened to report this to the banking authorities they resolved the amount in my favor. A couple of months later the same charges re-appeared and again I could obtain no valid explanation.
Product: Debt collection

On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX XXXX, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with XXXX XXXX XXXX and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the XXXX XXXX XXXX account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from XXXX XXXX XXXX  and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to XXXX XXXX XXXX as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with XXXX XXXX XXXX. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.