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

I have sent multiple letters to all XXXX of the credit bureaus and even the XXXX XXXX the company. The laws states that all XXXX bureaus have to report accurate information and in this case that is not being done. Transunion has me opening this XXXX account XX/XX/XXXX where Transunion and XXXX have me opening this account XX/XX/XXXX. Right there that is a problem because I couldn't have opened this account on XXXX different days. The even bigger problem for me is that all XXXX bureaus are reporting different dates for me making my last payment. Transunion is reporting my last payment on XX/XX/XXXX, XXXX is reporting my last payment as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. There is no way possible that all XXXX of these different last payment dates are correct.
Product: Payday loan, title loan, or personal loan

I have Home Equity Line of Credit with Comerica Bank. I borrowed {$60000.00} from this line of credit in XXXX 2017.
These are my problems with this bank : 1. Bank did not send a monthly statement in XXXX 2017. When it did not come on time inXX/XX/XXXX, I called the bank and was told it was not coming until XX/XX/XXXX. As a result of this I did not pay due interest amount inXX/XX/XXXX because I was told that no interest was due which was incorrect. As the result, the amount of total loan amount increased.
2. Starting XXXX  2017 the bank does not send monthly statements to me by mail while they verified that they have my correct address on file.
3. I have been making payments towards my principal. The bank delayed posting my principal payments for all my payments and as the result the total loan amount increased. Here are specific payments. This information is from my online banking at XXXX XXXX XXXX : 1. This payment was for {$2.00}, XXXX. Payment check no. XXXX was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX  account on XXXX/2017. The payment was applied on XXXX/2017. This payment was not applied until XX/XX/XXXX but it was delivered on XX/XX/XXXX. Then on the statement with the closing dateXX/XX/XXXX, I was charged past interest amount {$290.00} and current interest amount {$250.00}. Why was I charged past interest amount when I paid XX/XX/XXXX and the payment should have been applied on time. But it was not, the posting of it was delayed. And this statement also shows on the 2nd page, interest amount {$230.00}. This amount should not have been charged.
2. {$2000.00} principal payment Payment check no. XX/XX/XXXX was sent to Comerica Bank Loan Center onXX/XX/XXXX/2017 and delivered onXX/XX/XXXX/2017. Funds were withdrawn from my ADV TIERED INTEREST CHKGXXXX account on XXXX/2017. The payment was applied on XXXX/2017. The payment was delivered on XX/XX/XXXX. It was not applied until XX/XX/XXXX.
3. {$2000.00} principal payment Payment check no. XXXX  was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX account on XXXX/2017. The payment was applied on XXXX/2017. This payment was delivered onXX/XX/XXXX. It was not applied until XX/XX/XXXX
4. {$2000.00} principal amount payment Payment check no. XXXX was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX  account on XXXX/2017. The payment was applied on XXXX/2017. This payment was delivered onXX/XX/XXXX. It was not applied until XX/XX/XXXX.
5. Another {$2000.00} principal amount payment Payment check no. XXXX was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX account on XXXX/2017. The payment was applied on XXXX2017. The check was delivered onXX/XX/XXXXXXXX It was not applied until XX/XX/XXXX. I believe that because the bank delayed posting my payments, I paid more interest that I should have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you in reguards to my XXXX Equifax and XXXX credit reports because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX request information for debt validation of the original documentation to prove this is my debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), collection agencies are prohibited from reporting debt information on a consumers credit report if they have acquired the debt from the original creditor and have not provided sufficient verification of the debt to both the consumer and the credit reporting agencies. 

Specifically, 15 U.S.C. 1692e of the FDCPA states that a debt collector must not make false representations regarding the status of a debt, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA indicates that information provided to a credit reporting agency must be accurate and complete. Since this debt was sold or transferred from the original creditor to your agency, and without proper verification, you are prohibited from continuing to report it on my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted NCB Management Services Inc. regarding a debt that I did not believe belonged to me for XXXX. Despite my concerns, they advised me that the debt would not be removed from my credit report. 

Understanding the impact of this debt on my credit score, I negotiated with NCB, asking if making a payment would result in its removal. A representative named XXXX XXXX assured me that upon payment, the debt would be completely removed from my credit report if i made a payment of {$1000.00}. 

To solidify this agreement, I received a letter from NCB, dated XX/XX/XXXX, signed by XXXX XXXX, confirming that upon payment, they would request the removal of the debt from my credit report. 

On the same day, I made the payment as instructed by NCB and received confirmation that the payment was processed. 

Following this, I verified my credit reports with all three major credit bureaus ( XXXX, XXXX, XXXX ). While XXXX and XXXX promptly removed the debt, I noticed that XXXX did not. 

In an attempt to rectify this, on XX/XX/XXXX, I sent a certified letter to XXXX detailing the situation and included the assurance letter from NCB. 

Despite my efforts, on XX/XX/XXXX, I received notification that the investigation with XXXX was closed without further explanation. Upon contacting XXXX on XX/XX/XXXX for clarification, I was informed that the investigation was closed due to an alleged inability to validate my identity. 

Speaking with XXXX supervisor XXXX on the same day, I confirmed that my identity was indeed validated. However, despite this confirmation, XXXX informed me that they could not assist further and suggested contacting NCB again. They stated NCB comment was they updated the balance to {$0.00} even though they agreed in writing to remove it from my credit report. 

In conclusion, despite my diligent efforts and adherence to instructions, NCB Management Services Inc. did not fulfill their promise to remove the debt from my XXXX report XXXX XXXX has not aided me even with all the documents i sent. This unresolved issue has had a significant impact on my credit report and financial well-being. 

Thank you for your attention to this matter
Product: Mortgage

I Have sent a complaint already I have power of attorney on my mother and the real estate in question and my lawyer assured me the first power of attorney papers covered everything but the second one really did. The bank refused to recognize my legal binding power of attorney papers. So I could do nothing with our home so the APR has been rising ever since with no end in site the payment when I started my mothers finances were at XXXX a month and now they are XXXX That is Robbery especially when they refused to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i've disputed erroneous information on my credit report with Experian. 
They refuse to investigate the matter. 
Account : XXXX XXXX XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Bank Of America closed my checking accounts ( both personal and business ) that I have had with them for the past 18 years without warning or explanation on XX/XX/2022. I think it is important for you to know immediately that I am someone who has never paid a single bill late in my life, does not ever have an overdrawn account, never bounces a check, never has a {$0.00} balance. I am a financially sound person and a valuable member of my community. Additionally, I was a Bank Of America XXXX XXXX XXXX XXXX, which only makes this more difficult to understand. Bank Of America did not notify me prior to doing this. I learned of the closure upon receiving emails the morning of XX/XX/2022 stating my accounts had dropped below {$100.00}. I then signed into my online banking and discovered that all my accounts had a balance of {$0.00}. I thought I had been robbed. I immediately called the bank and they informed me they had decided to close my accounts and additionally had withdrawn all of my money and would be mailing checks to me in 7-10 business days. I had XXXX checking accounts with Bank of America with a total balance of {$13000.00} on XX/XX/2022. I have spoken with customer service multiple times on the phone and went to the bank in person and they refuse to give me a reason beyond this being a " business decision. '' I find that to be an unacceptable answer and have tried to demand any shred of a real reason they can provide but they refuse to do anything other than say repeatedly that this was a " business decision. '' Having my bank of XXXX  years suddenly leave me with {$0.00}, without notice, and without a valid reason is causing me an enormous amount of pain, suffering, XXXX  and costing me valuable time which in my case equates to money. I find Bank Of America 's behavior to be extraordinarily unethical and beyond that, dangerous. If there is a derogatory mark on my record that caused them to make this decision, it must be due to fraud or identity theft, and therefore I would think my bank of XXXX years would be morally obligated to let me know so I could fix the problem and protect myself from this happening in the future.
Product: Checking or savings account

Deposited a check into my business account, after the 10 day hold was released and funds was available ; the bank ( CHASE ) restricted me from the account not allowing me to pay any of my bills, withdraw money, nor transfer money. The bank has had time to verify the check during the 10 day hold and although funds are available Chase Bank will not allow me access to my funds. I feel this may be a violation of my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

The following inquiries were also opened under my social security number fraudulently as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, XXXX has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing. I HATE XXXX!!! Under 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

These inquiries are not mine... .XXXX XXXX, ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

An affidavit was sent in XX/XX/2022 and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.
Product: Credit reporting or other personal consumer reports

THe XXXX XXXX  issuer of my Credit Card serviced by the XXXX XXXX, ignored my multiple demands to review the details enumerated in my communications and fix their erroneous misinofrmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Caliber Home Loans - XXXX moved in XXXX of this year and provided the bank my new address. They changed my escrow payment in XXXX and my payment adjusted due to that. I have my payment on auto pay and when they rec 'd the XX/XX/XXXX payment it was short by XXXX ; the bank stated they sent me a late notice but they sent it to my old address and I never rec 'd. I called in on XX/XX/XXXX and spoke to many of their service reps that will not adjust the negative credit reporting. They never called me or sent me a late notice alerting me that my credit would be impacted due to a late payment. I am sure many people have their escrow adjusted and have issues with their first payment. I have never been late on this mortgage or any mortgages in my entire life. I asked them to make and adjustment and they will not. They did not provide me any written notice before impacting my credit. I happened to be checking my credit report this last weekend and notice the negative 30 day late- they would have done the same in XXXX had I not called them. They never attempted to call or send me any letters. I made the additional payment due today to make the loan fully current and changed my auto pay to ensure XXXX is correct. They are violating FCDPA and UDAP by not providing me any notice that my loan was delinquent and impacting my near perfect XXXX XXXX - I had a XXXX score before and now I am a XXXX. This is not acceptable for their error and needs to be fixed! 
XXXX
Product: Credit reporting or other personal consumer reports

Despite numerous attempts to dispute and correct inaccurate information on my TransUnion credit report, they have failed to adequately address the issue. Their dispute resolution process appears ineffective and I am unable to resolve these discrepancies, which are negatively impacting my credit score and potentially hindering my ability to obtain loans, rent an apartment, or secure employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX XXXX  # XXXX -- -remove acct inaccurate reporting 2 ) one main  acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXXlate XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete please be immediately investigate and update it on my report. 
XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX : {$8100.00}.
Product: Vehicle loan or lease

I was told by my loan company that there was {$3.00}, XXXX to {$4000.00} left to pay off the tuck. But they tacked on fees and now I went up to {$5800.00} to {$6000.00} which doesn't make any sense cuz I haven't been late I paid a lot of the vehicle off in advance. And recently I had to spend over {$3500.00} in medical expenses due to my job. And I lost a lot of my income. It's either I file bankruptcy or I surrender the vehicle so I contacted the loan company to surrender the vehicle they were extremely rude hanged up on me five times and finally refused for me to surrender the vehicle. I would like this issue resolved.
Product: Credit card or prepaid card

I'm going to keep it very simple and say that due to Capital One closing my account without my written expressed consent, my rights as the original creditor have been utterly violated. I received several emails that attempted to coerce me into paying on a debt that is not mine. As a result of this unwanted closure, I have had severe difficulty maintaining my basic everyday needs. This is ridiculous and not okay to have me, the natural person ( original creditor ), suffer the way I have been experiencing. This company has committed aggravated identity theft by assuming they can act on my behalf without my written expressed consent. Emails are the only correspondence that I have record of Capital One harassing me with attempts to collect on an alleged debt. The way this company has made my life a living XXXX with how they have attacked me and violated my natural God-given rights is asinine. This must stop now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}