23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/21 I withdrew XXXX from my business account and the teller made a huge mistake and withdrew the money from another persons account. They waited a whole week to catch the mistake to call me and tell me they messed up. In the mean time i paid bills and had to pay employees, Because if this mistake I have no money over drew my account and was offered zero help in return. This would not have happened that the money been pulled from the proper account t as I would have seen it was not in there and proceeded appropriately.

They offered zero help or ways to help me even though it was 100 % the banks mistake as I went directly into the building to withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Mortgage

On XX/XX/2018 I close my mortgage loan with Rocket Mortgage. They told me since I had under 80 % loan to value that the PMI insurance would be removed once the loan was booked and loaded onto the system. 
When I asked them to remove the PMI they told me that they could not. 
This was my concern at closing and I did not want to close the loan with that insurance on it, but they reassured me that it would be removed once the loan was on their system. 
The day before closing I also received calls from personal cell phones. My guess is because they did not want to be recorded. I want the PMI insurance removed from my loan and I would like the money that rocket mortgage has been taking from me to be given back. They say that my loan to value is 93 %... They are being deceptive with that number. My appraisal was $ XXXX and I close the loan at $ XXXX which makes my loan to value around 73 %. 
I am stuck in this alone now and I can not refinance because the rates have gone up and it will cost me thousands of dollars. I just want them to take this off the loan as they promised and return the money that they have been taking from me since XXXX!
Product: Credit reporting or other personal consumer reports

The adverse rating on my account is a source of deep concern. I'm gravely worried about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, are significant and can not be overstated.
Product: Debt collection

On XX/XX/2019, my employer received an email from XXXX XXXX with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted XXXX XXXX who first stated that they don ; t  have me in their system. Then the lady stated that yes she found me and the loan is for Inbox loan. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is XXXX XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that XXXX XXXX is not licensed at all. THIS IS A SCAM
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XXXX XXXX 2017 and provided a release from National Credit Systems on National Credit Systems ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , Inc. and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to  remove my name from the account and collection action. Ive attached that email sent XXXX XXXX, 2017. 2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated X/XX/2017, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems. Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,
Product: Credit reporting

In XX/XX/2016 my XXXX accounts were compromised. At that time I was using my XXXX checking account to pay bills online. XXXX of these was my XXXX account. While the XXXX account was frozen, the XXXX payment I had made was denied, but I did n't know that until receiving my next XXXX statement with a late charge. I called XXXX to explain, they mistakingly understood my XXXX account had been compromised and closed that account and issued a new credit card. The balance was transferred to the new account. I reissued the payment, but XXXX did not remove the late fee. I called again and they confirmed they received my payment and agreed to remove the late fee since the situation causing the late charges were not in my control. However the next statement showed a credit of the previous late fee, but there was a new late fee on the earlier late fee, and the battle continued and explaining continued. Each month they credited the previous late fees, but did so after the closing date so new late fees were incurred. My daughter got involved and after numerous calls, endless explanations, and dealing with an extremely rude XXXX customer service rep, she was able to convince XXXX that the original, very small balance, had been paid in good faith and the late charges were in error. All fees were reversed and the account was brought to XXXX balance. There should be no negative credit reporting from XXXX on this account. It has caused my credit score to drop over XXXX points in the last few months and I was just denied a XXXX XXXX credit card because of this. As you can see I have very good credit scores on my other accounts. Please rectify the XXXX erroneous 30 day late entries on the XXXX report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. These ADDRESSES are fraudulently on my credit report, XXXX XXXX XXXX XXXX XXXX, TX XXXX. These EMPLOYERS are fraudulently on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX. Please send me verification I authorized these : This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and on XX/XX/2018 I visited XXXX XXXX in XXXX  XXXX, Oklahoma and while I was there I had made a deal to buy a new truck. As we were making the deal we had an understanding that the financing would go through XXXX XXXX do to rebates and I asked to make sure that we agreed that there would be only one credit inquiry and that it would be for XXXX XXXX the sales manager assured me of that then I go back to finance do the paper then the next thing I know Chase bank has pulled my credit. I then inquire about this and I am told that they have an agreement with Chase that they can look at every deal that is made even if there is no chance of the deal being made using Chase bank because I can be 100 % positive that there would never have been a deal done with Chase bank. The next day when I talk to the finance department about this issues and having the inquiry removed because of the misleading ways that they did and the fact that they can have agreement with a bank that they can pull people credit even if there is no chance is wrong then on XX/XX/2018 the finance manager informed me that XXXX nor Chase bank would be doing nothing about this and that I am stuck with it on my credit this is the second time they done this to me
Product: Credit reporting or other personal consumer reports

XXXX  temporarily held my student loans, they now have been transferred to ED financial. The credit bureau however is reporting that i owe a duplicate balance and on my credit it reports it indicates both accounts. It should have been reported as a continuation of my account and not an additional account as XXXX account is closed and transferred the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous dispute with XXXX XXXX XXXX. I petitioned Equifax for an incorrect derrogative in my credit reporting, the dispute was returned via USPS mail on XX/XX/XXXX that the debt was verified, but I was also asked to send my updated Credentials Address, Social Security #. In this same investigative letter I was informed that if I needed proof of original agreement that I would need to contact the creditor directly. In a letter written requesting validation to XXXX  of said debt I was told the debt was sold. My grounds for this complaint is the XXXX XXXX Opinion letter, written on XX/XX/XXXX by the UNITED STATES OF AMERICA FEDERAL TRADE COMMISION. I never recieved verification of the debt from XXXX.
Product: Credit reporting or other personal consumer reports

My identity was breached in the equifax data breach. im filling this under the FCRA 605B ( 15 U.S.C. 1681C-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i tried and did contact recently the finance company ( XXXX XXXX ) regarding late payments reported over XXXX years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of seven months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXXXXXX XXXXXXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted capital XXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Capital One is negligent. I made a payment for {XXXX} on XX/XX/XXXX. It cleared my business account on XX/XX/XXXX and its still not showing up as an available credit. I called to complain and understood that it would show up by the end of the day. Its the end of the business day in my time zone and my money is not there. I sent them proof that the funds were paid out. If I have to close my business because I can no longer operate, Im suing Capital One for gross negligence.
Product: Credit card

In response to an offer from Citibank, on XX/XX/2024, I applied for the offer. When I input my information, I received a message stating that the offer was invalid. I then called XXXX, which is the number on the offer, and I was transferred immediately to XXXX XXXX. Last year, Amex sent a letter to my estate stating it was informed that I passed away and closed my account. I requested information from Amex via certified mail, regarding who stated that I passed away and to please provide the information. Amex did not respond to my letter but re-opened my account. This is the second creditor that sends a letter to my estate and it is very concerning to me and is causing me XXXX. I do not know who is providing this information and what they are trying to do. I am using this medium to receive a response from Citibank because Amex never responded to my certified letter. I just submitted a complaint about Amex so that I can receive a response from them as well.
Product: Debt collection

I Feel this account is causing me thousands of dollars in interest every year. I have tried to fix the issue with the XXXX XXXX XXXX, with the actual company and XXXX, XXXX and XXXX as well. I have yet to receive any confirmation that my account has been removed from my credit report so I chose to cease and desist, affidavit and certified mailed and green return post to confirm that my mail has been received. This is my final attempt to seek remedy of my consumer violations under the Fair Credit Reporting Act 15 USC 1681 and as well as the Fair Debt Collection Practice Act 15 USC 1692
Product: Credit card or prepaid card

I paid my balance in full and closed my account. I received a statement in the mail a few weeks later for {$75.00} dollars for interest on the full balance that was paid in full and closed 2 weeks prior I called XXXX and disputed the charge they agreed to take it off and agreed I owed nothing. They lied its being reported to credit bureaus when before it said closed {$0.00} balance previously. And they sent another statement for XXXX $ when the account was paid off in full and closed.
Product: Credit reporting

" Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action.
Product: Debt collection

Beginning in XX/XX/2020, I began receiving multiple calls from various numbers in and around the XXXX / XXXX XXXX area. I am cautious of answering calls from numbers I do not recognize because of scams. In addition, most of the calls were coming at times when I am at work. I can not have my phone on me while at work, and so I would see it after I got to my vehicle each day. Tonight, I received a call at XXXX. Upon answering it, they asked for a person and I told them they had the wrong number and to stop calling my phone. The person then said all I had to do was answer the phone and they would have stopped calling, very rudely. After multiple call backs in which I was hung up on, once including when I asked for the company 's name, I finally found out that the company is XXXX XXXX XXXX, a debt collector. I have dealt with them at least once a year for the past 5 years. People continue to put my phone number on accounts. Despite asking that they remove my number from their databases, or associate it to the proper person, it continues to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX, XXXX GA XXXX and the correct address at that time was XXXX XXXX XXXX, XXXX GA XXXX. 
2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. The case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to list improper payment status on my credit report for Missouri division of Child Support account that closed in XXXX my last payment was XXXX of XXXX they closed the account XXXX of XXXX but they are continuing to list that I was 120 days late from XXXX of XXXX until XXXX of XXXX every single month I have provided documents from the state of Missouri and they still continue to incorrectly report payments history on my report now I expect to be paid for every violation XXXX violations... 
The first document I am uploading is from the Missouri Division of Child Support and it's highlighted that my final payment was XXXX of XXXX they closed the account the following month in XXXX of XXXX because I did not have to pay child support anymore my son turned XXXX in XXXX of XXXX the second document I am uploading is what I received back from Equifax after I disputed it.
Product: Debt collection

I use to live in XXXX, CA XXXX XXXX XXXX XXXX. I stayed there with a person who is now my ex. When we went our separate ways I asked the utility companies to disconnect/discontinue service at that location and establish service for a new location. 

The XXXX. XXXX. XXXX XXXX claimed that an adult over the age of XXXX requested to keep the service on in my name even after I had asked for the services to be discontinued there. They told me that it did n't have to be me, and that any adult could make the request without my knowledge and consent. 

The balance from that location as well as my new location was combined after the other party moved. My gas bill was {$330.00}. and I could n't pay the entire bill at the time because I was a XXXX. 

XXXX 2013 the account goes into collection and is given to Financial Credit Network on behalf of the XXXX XXXX to report to the XXXX major credit bureaus. Financial Credit Network does n't purchase debt. they just report for their clients. 

After many years of disputing the information, with no favorable results. I decided to pay the debt and so I sent a certified letter via The USPS ( That I 've Attached ) along with the full payment to settle the account. The letter basically said that upon cashing this check that you agree to the terms of this letter. The terms are : 1 ). Remove derogatory information from my credit reports. 2 ). Show in your system as paid in full. 

The XXXX XXXX along with Financial Credit Network did XXXX of the XXXX things they showed it as paid in full, but failed to remove the item from my credit reports. 

I have both the canceled check and copy of the letter sent. They agreed to the terms and now are back peddling and trying to avoid honoring the agreement in the letter.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.