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

They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by XXXX XXXX.
Product: Debt collection

Synchrony bank calls non stop back to back all hours of the day and late at night
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX  for forgery and false pretenses.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have fraudulent accounts..please remove these accounts they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

The criminal organization better know as Bank of America once again trying to steal money from me. Due to COVID19 I received a credit from XXXX XXXX for {$1400.00}. My wife called Bank Of America Travel services to use the credit for another trip as XXXX XXXX said BOFA travel has to make the booking, to avoid extra fees from American. As usual with the incompetent crooks at Bank Of America, they tried to steal our money and delayed the call with all sorts of excuses. She was on the phone for over one hour ( see attached ) and then as their usual fraudulent practice they disconnect the call. ( see attached ). My wife had to call American and pay penalties and use the ticket for another trip. Once again Bank Of America playing games to steal money from consumers. 
Unfortunately probably as usual Bank Of America will not answer this complaint and lie and answer that they contacted the consumer directly, as their tipical fraudulent way of avoiding being caught in their fraud. The FBI or the State Comptroller has to investigate these fraudulent practices by Bank of America
Product: Mortgage

I was on forbearance with Chase which expired in XXXX, they didnt go over my options until no that is over. My understanding was that my unpaid payments could be added at end of my mortgage, until now they are also telling me that my mortgage is a 40 years I didnt even know that from my modification I did over fours year ago. They never advised me or send any documents only a letter stating I was approved and my new mortgage payment. They are asking for me to pay {$13000.00} upfront after exiting forbearance I advise them I cant afford this amount and why cant they just work with me making double monthly payments until I pay forbearance amount off. I just started a new job in XXXX and can afford making double mortgage payments. They dont want to work with me at all. Please advise, I dont want to lose my house
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint to Capital one bank they provided a response stating that because the application was fraudulently submitted that they would contact the credit bureau to have the inquiry removed. KOHLS/CAPONE inquiry date is XX/XX/2018 is the inquiry in question.
Product: Debt collection

XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXawfully obtaining my [ XXXX, XXXX, and/or TransUnion ] XXXX report on { XX/XX/XXXX } without my authorization or a permissible purpose under the FCRA. See XXXX XXXX XXXX XXXX. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( XXXX ) the purpose is certified in accordance with section XXXX of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), XXXX XXXX XXXX, XXXX, XXXX, 2d 711 ( S.D. Ind, 2003 ). 
I have not initiated and transaction with [ XXXXXXXX XXXX  DBA XXXX XXXX XXXX XXXX XXXXXXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand.

Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Product: Credit reporting

background report criminal section incomplete .All charges were dropped or dismissed.I sent the judges signed court order to First Advantage .They did knot add it to there report and said they would not change the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX my XXXX account was breached, when all passwords were published on the web. this gave a hacker  access to all of my accounts which had the same password. someone used my info to open multiple accounts, rent an apartment, take payday loans, and many things. end result, they tried to file a bk with my name spelled wrong, wrong address, and it was dismissed due to not being able to authenticate identity and no follow up. this has been on my trans union report since XXXX and has kept me from being able to buy a house or obtain credit. XXXX XXXX was the trustee  at the BK court I have reached out to US Trustees office, trans union, BK XXXX, XXXX XXXX, all to no avail. I have the police report, notarized affadavit of fraud, proof of real identity, and no one responds. I just inherited a house and need to refi and can not although my credit is perfect this " dismissed/ invalid '' BK  on my trans union report only ( not on XXXX or XXXX ) is keeping me from doing so. 

The case number is XXXX listed under XXXX XXXX my name is XXXX XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681C-2 : I pulled my credit report recently, to find numerous fraudulent accounts on my report. Inquires not made by me. I have contacted each alleged creditor, collection agency etc & have been told that my information was verified, however they were unable to provide me with documentation on when the accounts were opened, where they were opened and contact info given. I have filed a report with the FTC for identity theft and this is my next step as i can not get resolutions from the creditors or collection agencies. Please see the attached report. The dates below are based off of information from my credit report, i do not know when the accounts were ACTUALLY obtained/applied for. I am only given this as the creditors will not give me information. 
The credit bureaus ( XXXX, XXXX XXXX Equifax ) have been unresponsive and declined to resolve disputed information directly through them. Please note, not all information listed below is on the FTC report as I am limited to the amount of characters on the report. 

Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX Phone numbers : XXXX Employment Information : XXXX dozens of fraudulent accounts that have been opened, names that i have never been/been associated with and addresses I have never lived at Never lived at XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Never lived at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Never lived at XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX Here are the accounts opened fraudulently : XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage. 

My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. 

In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ). 

I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. 

However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX. 

In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ). 

When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. 
I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXXXXXX  a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full XXXX a XXXX requirement code -37 which is a violation of code. XXXX requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit card or prepaid card

XXXX Comenity Capital Bank Accrued Interest - {$920.00} Had 18 mos promotional plan -exp, XX/XX/23 My last payment due is {$1200.00} ( payoff ) Monthly due payment paid on time paying more than the required minimum payment. However, last XXXX I missed the payment and told the bank the reason why I was late. It as due to my XXXX pain and a fall injury that I was not able to check my mailbox which was located across my house. I told them that I would payoff the loan and late fee which was {$1200.00} plus {$30.00} late fee but beg them to kindly waive the accrued interest of XXXX, I believe that I should not be enalized for that, since I was consistently pay payment on time but unfortunately I missed the LAST payment. I am retired, and living on pensions and I always maintain my credit in good standing. I feel that it was very unfair for me the late fee. I also wrote Comenity Bank  about this complain. Please help me resolve this problem.
Product: Checking or savings account

I opened a dispute with Wells Fargo bank around XX/XX/year> for unauthorized transactions on my debit card which was lost, the dispute agent said I would be receiving a final credit within 2 business days after the items posted to account, its been over 5 months now and no credit and I have the transcripts, correspondence emails of the bank confirming the call and the credits were promised to me by the agent but they refuse to apply it to my account to this day. Claim numbers- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an 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 purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX American woman to do business in this country. I want this removed from my report ASAP!!!