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

I had a credit card with Bank of America that had a balance of {$11.00}, XXXX owing when my business failed in XXXX and they closed the account and charged off the card. The card was charged off in XXXX. I filed for bankruptcy in XX/XX/XXXX and included this account in my bankruptcy filing. The bankruptcy was XXXX in XX/XX/XXXX. Bank of America keeps reporting that I owe {$11000.00} and refuses to report that this account was included in my bankruptcy filing. I have been fighting with them for over a year and they keep giving me the run around. I spoke with a customer service person in early XX/XX/XXXX who looked at all the information, said they had proof of bankruptcy discharge and said it would be corrected on their XX/XX/XXXX reporting date. I spoke with someone else at B of A last week and she said they did not have my bankruptcy proof and asked me to FAX it. So I faxed it from a B of A bank that same day. I called B of A today and they still won't do anything. They transferred me to the Bankruptcy dept and that person said he could not access my file because all the credit card accounts were down. I do not owe this money and it is not past due. I filed disputes with all XXXX credit bureaus starting in XXXX and they keep saying it's a charge-off. But their reports show it started being labeled as a CO in XX/XX/XXXX -- which is 2 years AFTER the bankruptcy discharge. I want this error corrected but no one with correct it.
Product: Mortgage

XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement from Selene Finance reflecting a surplus of {$18000.00}. I called Selene and spoke to a XXXX on XXXX XXXX, XXXXto verify this statement. I was told by an agent named XXXX that this was a coerrect statement and that I had overpaid my escrow account. I asked him about what happens to the money and was advised that it can be applied to my XXXX XXXX, XXXX XXXX payment of {$750.00} with the remaining balance of {$370.00} to be applied to the XXXX XXXX payment. I was to fax a letter stating that and did so XXXX XXXX, XXXX. In XXXX XXXX, I made a payment of {$360.00} and as of XXXX I continued the payments of {$740.00} by calling Selene directly with phone payments. Unknown to me, as od XXXX XXXX, my payments were reduced to {$720.00} but I was never informed on my numerous phone calls to them while trying to resolve other issues with my account. I was also informed that my account was 3 months behind when I made all of my payments, but was advised that it was due to a problem with the records they received from XXXX when they took over my mortgage XXXX. Finally in XXXX XXXX, the person that was assigned my account did research it out to find that I was miss-informed regarding the Escrow Statement and that I DID NOT have the credit of {$1800.00}. My current balance owed to them was in fact {$3300.00} and needed to be paid as soon as possible. I did issue a check in XXXX XXXX to bring the account current. By XXXX, Selene never adjusted my credit report to show that I DID NOT have an outstanding balance of XXXX and they show that I was late on my payments from XXXX XXXX. After filing disputes their rep adjusted the past-due balance to {$0.00}, however it still shows the past-due payments. My credit is reflecting POOR when a merchant pulled it. I do not feel that my credit reporting should show " late payments '' due to the fact htat THEY made the error of sending out the statement and that XXXX advised me that the statement was correct EVEN WHEN HE DOUBLE CHECKED IT WITH HIS SUPERVISOR! Also, keep in mind that each month last year I was actually over-paying {$21.00} a month due to the adjustment made by them lowering my payments. I feel that Selene should own up to the fact that they made a BIG mistake and should really reflect that I DID make every monthly paymeny AS AGRREED!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed from my account. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I noticed these incorrect hard inquiries on my report that are not correct and would like them removed
Product: Credit card or prepaid card

In accordance with the Federal Credit Reporting Act this creditor, Macys/CBNA has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166B 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit card

I am unable to login to my online account and I am locked out of making any changes to it. I'm unable to make transactions or close the account as necessary. I have provided all documentation required by the bank since I was locked out of my account but I have been continued to be denied access without resolution by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute stating I want documented proof of how they verified information and they sent nothing. They send information on what they can do instead of following the consumer law, which would require them to send information on how they are able to report items on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received  XXXX  inquiries on my credit report from  XXXX   XXXX  for  XXXX / XXXX / 17 ,  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . I called  XXXX  today to discuss and the supervisor said that they were only aware of  XXXX  inquiry dated  XXXX / XXXX /   17  and asked me if I recently requested a credit line increase and I told them no. He suggested that I dispute the inquiries and that should solve the problem.
Product: Vehicle loan or lease

My daughter purchased a Tesla online prior to relocating to XXXXXXXX XXXX  They ran her credit and offered her a XXXX promotional interest rate. We had an appointment to pick the car up and finalize the deal on XX/XX/XXXX. We learned that her interest rate would increase to 13 % when we arrived so I offered to co-sign. We were at the showroom for almost 3 hours. They took all our information including addresses, licenses, proof of residence, etc. It was conveyed that I live in XXXX and my daughter lives in XXXX  We were told the loan was approved for a XXXX interest rate by XXXX XXXX and we took the car. We were notified within the past few weeks that XXXX XXXX reneged on the loan. I spoke with a representative from Tesla last week and again today. We are now required to secure financing on our own and they recommended two additional lenders. This is unethical and I believe it is illegal for XXXX XXXX to cancel the deal once it was made. The XXXX representative today made it clear that the XXXX interest rate would not be honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting

So Experian fixed the account I have been trying to get them to fix for years. YEAH! But in the process they took several account that I had with XXXX and posted them all as discharged in BK Chapter XXXX. 
These accounts where paid off long before I even filed for Bankruptcy. How if they " verified '' the information, could they have possibly been informed by XXXX that they were discharged? One of them was paid in full a whole 8 years before I even filed for BK! I suggest Experian actually investigate this matter. They are in so many violations of the FDCPA I do n't know if I should laugh or cry!
Product: Vehicle loan or lease

I had purchased a XXXX XXXX XXXX XXXX in XXXX. I had been paying on this vehicle for approximately 5 years XXXX amount of the vehicle never changed. In fact the price of the vehicle continue going up. I contacted the creditor which was Santander about this on several occasions. They stated that the outstanding balance on the account was correct. Every time I paid something towards the monthly payment the outstanding balance of the loan continue to go up. I contacted the company in XX/XX/XXXX requesting that they pick the vehicle up and listed as a voluntary return. As this vehicle would never have the balance paid off. Then I sent a certified return receipt letter as backup of what I wanted. I've been was contacted via mail from the Creditor stating that the vehicle had been sold and there was a large outstanding balance owed. Once I received the letter the letter still had the amount of {$16000.00} owed. This is the amount that was left on the balance prior to me returning the vehicle. As of today Santander is still reporting to the credit beaureu each month for a vehicle I do not have. They have added very large amount of charges on to the vehicle and place this on my credit report as a repossession. This makes my credit report look very bad and I'm very unhappy about it. I contacted them several times after to explain to them that I contacted them to pick up the vehicle. They stated that it does not matter if I did send them a certified return receipt letter that's non and void. They stated that they do not take certified return receipt letters as a source of picking up the vehicle. I explained to them that I called and I sent the letter. This is not fair what they're doing to me I want this removed from my credit report please. If someone can look into this for me and let me know what I need to do. I have spoken to two other people who have loans with their company who are going through the same issues. They must be stopped. Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment in XX/XX/2020 on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have not ever not once been late on a payment for this account ( below ). 

Account name - XXXX XXXX  Account number - XXXX ( Trans Union XXXX XXXX ( XXXX ) XXXX ( XXXX ) Please investigate and provide proof with statements, showing and verifying that I was late on this payment. If proof cant be provided a demand this payment be updated to on time as I was NEVER late to begin with. Thanks.
Product: Debt collection

I am writing to formally dispute a debt claim of {$3400.00} made by IQ Data International, a debt collection agency. I believe this debt is unjust and inaccurate, and I am seeking your assistance in resolving this matter. 
Details of the Complaint : Debt Collector Information : Debt Collector : IQ Data International Claimed Debt Amount : {$3400.00} Background and Discrepancy : The alleged debt is related to a rental property. However, I have never been late on rent nor left any damages to the property in question. 
In fact, I have documentation from the property manager, including a move-out statement, which confirms that I left the property in good condition and fulfilled all rental obligations. This statement clearly states that no damages were caused, and my account was in good standing upon my departure. 
Action Taken : Upon receiving notice from IQ Data International regarding this debt, I immediately requested validation and supporting documentation to confirm the legitimacy of the debt. Despite this request, I have not received any proof or clear explanation showing why I am being held responsible for this alleged debt. 
I have also attempted to resolve the issue directly with IQ Data International though, but have received no satisfactory response or evidence to justify their claim.

Negative Impact : As a result of this unjust debt claim, my credit may have been negatively impacted, and it is causing unnecessary stress and confusion.

This inaccurate debt claim is affecting my ability to apply for credit and make important financial decisions. 
Supporting Documentation : Move-Out Statement from the property manager, confirming that I left the property in good condition and did not cause any damages.

Video of the dwelling during move-out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was XXXX to handle it & remove these inaccurate items under FCRA Section 607
Product: Credit reporting or other personal consumer reports

I checked my credit because I recently started paying on my student loans then I noticed and unknown address and multiple hard inquiries on my account that are fraud and are not me. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are multiple soft inquiries and a few unknown addresses Ive never been associated with.
Product: Mortgage

I have been denied access to a home mortgage loan more than once. Presently I rent a XXXXapartmentand have resided here for approximately 3 1/2 years. Due to the national pandemic, andfor the past two years my monthly rent amount has been stable {$1600.00} and my lease was extended. Currently my monthly rent is paid up to date, and my rent history has no delinquencies at this time. 
In XX/XX/2020 I was forced toresign from my employment of 15 years and qualified for some early retirement fixed pension income that equal a mere fraction of my previous income. I expect that I will return to the workplace very soon. 
My debt to ratio is very high. My credit score is over approximately 725.My daughter has income, approximately {$40000.00}. XXXX annually. My daughter 's credit score is approximately 500-600. 
I/We are seeking approval for availablegrants and a home mortgage loan in spite of these circumstances. We are acclimatedto paying rent and our other cost of living bills, as well.I would like to be giventhe same opportunities that are granted to the many XXXX XXXX XXXX and people ofother nationalities that migrate here to the United States and are provided variousgrants and loans designedspecifically for immigrants to reside in luxury beautiful homes here in the United States and primarily the state of Maryland. 
I can provide you with information that may be helpful while reviewing this request and my circumstances. I look forward to hearing from and talking with a Consumer Finance representative. Your attention to my concerns within this email is very much appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/XXXX and received XX/XX/XXXX from Convergent Outsourcing stating that there was a XXXX XXXX debt of XXXX. 
1 ) I have lived in AL since at least XXXX and have not had XXXX. 
2 ) I have not received any XXXX bill and this is the first letter from Convergent giving me 30 days to dispute.

3 ) Before I can even dispute, this debt is appearing on my credit report as of today on XXXX. 
4 ) This debt states date opened as XX/XX/XXXX, status date of XX/XX/XXXX, no other date history reported on the delinquent mark.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX  Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX. 
showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Checking or savings account

I bank with Wells Fargo. Countless times my account was hacked, changed debit cards, unauthorized money was taking out x amount of times. I even had to pay my own money to do stop payments which are charges of {$31.00} dollars. Wells Fargo is horrible with security. I was made to have overdraft charges due to these instances. 

Then I was forced to changed bank accounts more than once and occurrences still happened. Even last year once my tax deposit got sent into my account I was hacked. How is this not questionable?!
Product: Debt collection

Called sunrise and asked them if I can handle my debt collection with them and they said they no longer have the account in their office.so i asked them to remove it from my XXXX credit report and they said they have no idea. I would like this removed please
Product: Checking or savings account

On XXXX, I transferred {$2000.00} from my peoples United bank checking account to my XXXX XXXX bank checking account and {$500.00} from my peoples United bank checking account to my XXXX XXXX checking account. The money was withdrawn from my peoples ( now m & t ) account but never arrived at the other banks. Ive sent messages on the portal, went into the XXXX XXXX location and refuted the fund transfer, wrote an email to the office of the president. I was told it would have a resolution today and someone would call me. I received no phone call and the $ $ still has not been put back into my account
Product: Credit card or prepaid card

Chase notified me that someone had changed the personal information on my Chase Freedom credit card. I filed a police report and placed a 7 year fraud alert on all of my accounts and told Chase to close my account in XX/XX/2017. I have also called Chase 3 times to tell them to close the account. The account still appears as " open '' on my credit report.
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. 

Account : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 


Also my hippa law was violated