23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had fallen behind in my car payment and needed to catch up. It took me a few months, but in XXXX I finally paid my balance du in full on XX/XX/XXXX through Citizens bank online portal. The portal showed a {$0.00} balance due once I made the payment. I received my XXXX bill from CItizens bank and it showed no payments due in XXXX and no past due amount as well as no fees due. The bill showed all XXXX  and a total payment due of XXXX. I went online to pay my regular XXXX payment and noticed that my monthly payment was significantly more than it typically is. I called citizens bank and spoke with XXXX ( not sure of spelling ). He wasn't sure what the reason was. He had me on hold while others tried to determine why. He eventually came back and stated that it was due to late fees. I told him about my XXXX bill and he agreed that he saw it had a {$0.00} due and then placed me on hold once again. HE came back with the same answer. I asked him to send me a copy of all the statements showing any late fees and then I asked to speak to a supervisor. 
It was at this point that I reached XXXX XXXX who said he was out of the call center in PA. HE proceeded to tell me that I had 11 late fees over the life of the loan and that this was what the extra fees were for. I have had this car loan since XXXX and this is now XXXX. Why would they not appear on previous billing statements and all of a sudden appear on my XX/XX/XXXX bill when the previous two months show I had paid in full. This is not fair or being transparent. And it does not make any sense. Why show a XXXX  payment due if there were payments due. I don't feel that I still owe any late payments. I feel it is only fair and honest that they stand by their own portal and statements.
Product: Credit reporting or other personal consumer reports

I was recently advised XXXX was reporting erroneous public information of a Bankruptcy in the State of North Carolina, which I've never been a resident of. This letter I am submitting to XXXX and LCI, demanding they delete this bankruptcy that is reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX XXXX : XX/XX/1975 LCI Consumer Center XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX RE : Warning to Remove Incorrect Item XXXX To Whom It May Concern, I have previously disputed Reference Number XXXX Bankruptcy XXXX  XXXX Dismissed with you. In response, you verified the item as accurate, stating that your office has verified the information with the US Bankruptcy Court-Western District of North Carolina XXXX 

I contacted the court disputing this bankruptcy directly with their office, and their response is enclosed for review. 

From conversations over the phone and in the letter, they sent me, they have confirmed they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error on your part or misleading. 

Either way, the reporting of this Bankruptcy, which I NEVER initiated or requested does not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a false negative item reporting on my credit report on all three credit bureaus. I've contacted the creditor, and they have confirmed it's a mistake and should be deleted. I disputed the incorrect info and the 3 credit bureaus all came back saying it was verified with the creditor. I have asked for the method of verification and they have all 3 ignored me.

I have confirmed, in writing, from the creditor that they NEVER received any verification request from any of the bureaus. This is illegal and this has absolutely affected my livelihood by tarnishing my credit for years.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all the inaccurate accounts below be updated immediately : XXXX XXXX XXXX XXXX Balance : {$260000.00} & XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Debt collection

Was contacted by this company one year after visit to hospital from an accident. Hospital bill was covered and when sent a single statement in return I sent a letter and filled out the information for my insurance XX/XX/2019. During three phone calls I was told that they did not receive the information. I asked all three times for a new statement which they said that they would just wait twice, the third time I was directed to a website and told I could submit my insurance information there which was untrue.
Product: Debt collection

On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information XXXX XXXX provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.
Product: Bank account or service

I submitted a Fraud Complaint to Navy Federal Credit Union for unauthorized transaction on XXXX XXXX, 2015 from XXXX XXXX, NJ in the amount {$20.00} I received letter from XXXX XXXX stating that the transaction was not a error. Also usually there a way to dispute online but I 'm unable to dispute if Navy Federal Credit Union is going to give option to processing fraud it should be available to all transactions. Please investigate Navy Federal Credit Union procedure on processing Fraud complaint and ALL Product and Services and ensure it working according to United States Federal RegulationsXX/XX/XXXX POS Debit - XXXX Check Card XXXX - XXXX XXXX XXXX NJ POS - {$20.00} {$350.00}
Product: Credit reporting or other personal consumer reports

In response to CFPB complaint # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and XXXX making this complaint against XXXX  XXXX # XXXX the Company has 30 days 15 USC 1681s-2 ( 8 ) ( e ) gives the furnisher of information 30 days the same standard that is upheld by the consumer reporting agency 15 USC 1681i ( A ) 1 ( a ). I will not be granting any extension, because if the roles were reversed and, I could not substantiate any validity in what Iam saying. They would go for a default judgment, or they would go and file a claim the law gives them 30 days. I expect you to uphold those policies, we will not make special arrangements for anyone with any special treatments for anyone with any special treatment. Company have violated 15 USC 1691s-2 ( 8 ), 15 1681i ( A ) 1 ( a ), 15 1681 i ( 5 ) ,15 USC 1692c ( c ). So you are saying? with all the violations, I should let them violate my consumer rights more by having them waive, and still furnish inaccurate information on my consumer report? I think not the is very clear about information being accurate and furnisher of information are prohibited from reporting any information that is inaccurate are they know or believe to be inaccurate. 15 USC 1681S-2 ( A ), and 15 USC 1681s-2 ( B ) and I except the prompt deletion of this account from my consumer reports. XXXX  XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all parties ( XXXX XXXX Equifax, and XXXX XXXX ) trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed negative information on my report that doesn't belong to me
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile, I found errors in the personal information section. I contacted the credit company on XX/XX/XXXX and XX/XX/year>, and provided documentation including my passport, Social Security card, cable bill, and California driver 's license to correct these errors. Despite this, the inaccuracies still exist, and as a result, I was denied approval for an account due to the outdated information.
Product: Mortgage

I have been a customer of PNC for over 11 years now and have had no complaints until the last few months. I have spoken to several customer service and supervisors over the last 2 months and hope that this letter will get to someone that can take care of the problem. 
In XXXX I became aware that escrow had been added to my mortgage without my permission or any kind of warning or contact from PNC. After talking with several customer service representatives they informed me that a letter was sent to XXXX XXXX 's XXXX XXXX XXXX Va. XXXX informing me that my taxes were not paid and on the mortgaged property of XXXX XXXX XXXX XXXX Va. So I never got the letter because my address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
After doing some calling and finding out why these tax bills were not sent to my mailing address we found that the county was sending the bill to the old address we lived at 2 years ago and the forwarding was expired. I have since called the County and changed the billing address to XXXX XXXX XXXX XXXX. 

On XXXX XXXX we sent and check for {$1300.00} to take care of the taxes paid and another check for {$1100.00} for the mortgage loan we established in XX/XX/XXXX. The checks were check numbers ck # XXXX {$1100.00} and ck # XXXX {$1300.00} both cashed on XX/XX/XXXX. At this point we need to take care of changing our loan back to the {$1100.00} that was signed and agreed on in XX/XX/XXXX and all escrow needs to be removed from my loan. 

We have never been late on a payment and have automatic deposit set up for PNC Mortgage. I feel they should have sent a certified letter to let us know this change was taking place. Please help us resolve this issue
Product: Credit reporting or other personal consumer reports

I disputed a collections account that has been inaccurately reported on my credit report. I attempted to contact the collection agency 3 times via certified mail requesting validation of the debt as required per 15 U.S. Code 1692g. The collection agency received my request and refused to provide any response. I then attached all requests and proof of receipt to the credit bureau and asked for them to remove it since it could not be verified. They conducted an investigation, did not provide me with any evidence, and verified it. I have attempted to contact the credit bureau and have not gotten any answers nor has this been removed from my credit report.
Product: Credit reporting

i got few hard inquiries that i never requested from this bank tried to contact them over the phone and they said they gon na get it removed after 4 months i still see all of them on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested my XXXX XXXX XXXX XXXX via the XXXX website ( operated by the 3 major credit bureaus ). I succesfully obtained my reports from XXXX and XXXX but Experian refused to allow me to log in because their system " needs a telephone number ''. I no longer use or have telephone numbers, therefore I entered all zeros for the number. This worked with XXXX and XXXX but not with Experian. I DO NOT legally need a telephone number to obtain my credit report, nor am I obliged to have one. Experian is refuding to provide my credit report ILLEGALLY.
Product: Vehicle loan or lease

I have applied for programs to allow a defer loan payments because we have been financially impacted by the coronavirus pandemic. I have made multiple attempts online and over the phone with Ally Financial Inc. to get a some sort of help through this time. If a customer is past due they are only offering assistants if you bring your account current and then you are automatically due again for the following month. So in reality Ally isn't really offering anything other than bring the account current and still remaining due for the following month. This has also affected my credit score because of the days past due. The lack of compassion by Ally is really concerning.
Product: Checking or savings account

I made a deposit on XX/XX/XXXX for XXXX in form of a check. They told me it would be a hold on the check until XX/XX/XXXX. Later i found out that they had the hold date change to XX/XX/XXXX. I called several time and they could give me no explanation. it was up the auditing team. I called the person that written the check for a purchase and he was told by his bank t that he check had cleared on XX/XX/XXXX and verified. I called once again to BOA and was told that they was not going to release the funds to us until XX/XX/XXXX and that will be the day we can use the funds. We have been banking with Bank of America for 6 years and have had over XXXX XXXX in the bank. Yes we have experience a lot of bias from this bank and this has been consist.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 written instructions. 

Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Account state collection service.inc A Private debt collection company reference number XXXX.
Product: Checking or savings account

I have made three attempts to close a safe deposit box with this bank. On my first attempt I was advised that all of the bankers were busy and I would have to make an appointment. I advised the person taking down my information I wanted to close a safe deposit box. When I arrived at the branch at the appointed time ( this was my second attempt ) I was advised that due to a recent merger he did not know how to close a safe deposit box and that he would have to spend around an hour on the phone with his support team to walk him through how to close the box. I submitted a complaint to the XXXX XXXX XXXX regarding the poor customer service I had received to this point. A third appointment was made for me on XX/XX/XXXX. When I arrived at the branch on this third attempt I was advised that since I did not have the second key there would be a {$15.00} fee they would have to collect. I offered to pay the fee in cash or with a debit card. I was advised she did not know how to assess the fee in their system. This safe deposit box annual rent is up in XXXX. Based on past media reports regarding some of the tactics that XXXX XXXX has engaged in, I am concerned that this bank may be engaging in dilatory tactics to try to collect another years rent on the safe deposit box.
Product: Mortgage

Wells Fargo has not responded with accurate information regarding my monthly income and they not communicating with me or my attorney in a good faith effort. The company with little notice increased my mortgage stating my property taxes increased when in reality they went down. They also changed my home address and I can seem to get anyone on the phone to correct this mistake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  - account number XXXX - classified on report as rental or leasing - amount owed XXXX amount XXXX. I assume no liability or responsibility for this account. my information was exposed in XXXX data Breach as a result i have had identity theft and accounts appearing on my EXPERIAN credit file that is not mine. 
I requested this item be blocked by EXPERIAN in XX/XX/year>, EXPERIAN denied request even though i had FTC ID THEFT REPORT WITH DISPUTE, i then asked EXPERIAN for A METHOD OF VERIFICATION WHICH I WAS TOLD IT COULD NOT BE PROVIDED TO ME. 
XX/XX/year> EXPERIAN recieved yet another FTC REPORT REQUESTING TO BLOCK XXXX XXXX XXXX DBA XXXX XXXX FROM MY FILE. THIS REQUEST HAS ALSO BEEN DENIED. 

I am reporting id theft from the XXXX breach and EXPERIAN refuses to assume responsibility for allowing fraudulent items i did not approve or give permission to and up hold my request. I also requested ALL REPORTING FROM THIS CREDITOR CEASE AND EXPERIAN STILL ALOWS THIS COMPANY TO REPORT MY ON MY FILE AND HAVE ACCESS TO INFORMATION WHICH I HAVE DENIED THEM
Product: Mortgage

Refinaced a morgage that was serveced though Round Point Morgage company, the funds were relised to Round point on XXXX. I have contacted Round Point 3 times to ask if the escrow check has beed mailed or dispursed to me. I have not been able to get a solid answer from them. One rep told me they had 20 business day to get the funds to me, two days later a different rep told me 20-30 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Last 4 of Account numbers ) XX/XX/XXXX - ( XXXX Bank ) - Account / # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX ( XXXX XXXX  ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. ( XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX5 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY THE INFORMATION IS INACCURATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I contacted RSI Enterprises about a derogatory remark on my credit report. I had made arrangements to pay the medical debt owed to be deducted automatically form my bank account. The final payment of {$470.00} to be drafted from my checking account on XX/XX/2021. I asked for a supervisor and I was denied to be transferred and was not given a reason. After repeated attempts I was routed to a supervisor and presented my question as to when the derogatory mark on my credit would be removed. The supervisor stated that they can not remove the derogatory remark form my credit " just for the mere fact that I had paid the debt in full '' She repeatedly stated that full payment did not mean I was clear. I had made payment arrangements and it was my understanding the balance I was paying was with the intent the collection was to be removed from my credit. I am working on a loan application and due to the point loss you acquired when this hit, it is hindering my credit and my ability to qualify for a Mortgage. Being a Veteran and having served overseas during war time and continue to serve my Country, it is unconscionable to me that a small medical collection can hinder my ability to obtain Mortgage financing especially when I had made arrangements to pay the debt in full. It is my hope that RSI Enterprises will do the right thing and delete their collection from my credit profile with the bureaus.