23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX I closed my XXXX XXXX Credit Card due to Comenity charging me interest on a disputed amount of {$810.00} even though multiple customer service representatives told me there would be no interest on that amount while it is in dispute. I provide documentation from the hotel that the disputed amount was credited to the card in XX/XX/XXXX. Comenity still has the charge on my credit card and is still charging me interest and now late fees on that amount. I called Comenity in XXXX and XXXX to discuss this and each month the customer service representative provided me an amount to pay to avoid any further fees or interest and each month I paid it for the sake of my credit score. It is now XX/XX/XXXX and I am done continuously paying interest that I do not owe. On XX/XX/XXXX, a customer service representative told me she would waive the {$30.00} late fee if I make a payment of {$33.00}, this makes no sense considering the only amount owed on the card is the amount in dispute and the interest and late fees they are continuing to charge me. I have been misled month after month to continue paying fees to Comenity. This is not a fair business practice! No matter how many times I call to speak with someone at the management level, I simply get transferred to another department only to be told to talk to someone in customer service, and therefore, this problem just continues to go on and on. I want to be done with this awful credit card issuer.
Product: Checking or savings account

I deposited a settlement check in Monday of last week. Td bank put a 6 day hold on it. I called the bank the check was drawn on and they told me that check cleared days ago. Why is TD still holding my funds? The 6 days hold is not to hold people money hostage its to make sure re check clears and out it cleared why havent they released my money?
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

BofA # XXXX
Product: Checking or savings account

Account Holder, XXXX XXXX XXXX, passed away. B of A has been contacted by my wife who is the daughter of the deceased to find out what forms to fill out and submit to close the accounts and receive the corresponding balances. The required forms have been submitted in 2016. Just this year, a follow up with B of A 's Estate Unit was made. The Letter of Instruction and Account Closure Request was notarized on XX/XX/16 and submitted to B of A, among other things. The Estate Unit is now telling my wife that because the commission of the Notary Public who notarized the document has already expired, that a new one is needed. When the forms were notarized and submitted to B of A, the commission was still valid. It is not valid now because of the failure of B of A to process what has been submitted to them in a timely manner. Why would the surviving relative start the process all over again if it's not her fault that B of A did not act in a timely manner.
Product: Mortgage

My XXXX XXXX spouse and I purchased a home from family in XXXX XXXX. We were sadly over charged after a second, pricier appraisal. Also, our mortgage lender, XXXX XXXX XXXX XXXX, was seized and closed by the federal government. Bank of America assumed our mortgage. Since XXXX XXXX the insurances and taxes in our area have soared. Many homes around us did not rebuild and still are boarded up. Because of this we owe more than the home is worth. We XXXX XXXX to XXXX in XXXX XXXX. We have been lucky to have renters until now. We are having trouble finding tenants and/or selling the home without losing so much money. Could you please help me understand our options at this point. We lose money every month on this home and it is very stressful. Next month I will start paying house notes out of our own pocket if we can not find a tenant. We would love to sell the home. I attended a Roundtable event with XXXX XXXX XXXX last XXXX. I remember her mentioning a type of forgiveness if the home was a short sell due to military moves. Please advise.
Product: Credit reporting

In the case number referenced above the creditor XXXX loan servicing was deleted from my credit file. As of XXXX/XXXX/2016 the creditor was placed back on my credit file without notice from equifax information services llc
Product: Vehicle loan or lease

My car was illegally repossessed XX/XX/XXXX. I have made all of my payments. I gave Chase my bank statement showing the withdrawals/payments to them and permission to speak to my bank. I confirmed with my bank that money went to Chase and was cashed. XXXX told me they contacted me by mail about my XX/XX/XXXX payment having the wrong account number and how to fix it. I never received anything. Further, my prior lease was through Chase XXXX XXXX XXXX XXXX Ive had four leases for same model car with them. Regardless of what account number was in it my payments go to the same address/company. Chase knows theyve been accepting my payments since XXXX of XXXX but not crediting my account.They have all of their money and took my car. They have done nothing to correct this error and are treating this like a legitimate repossession.
Product: Credit card

hi I had opened a lowes acct with synchrony bank in XXXX XXXXXXXX it had a XXXX limit. so yes I was using card. never missed a payment paid it down then used it up. well I got letter from synchrony yesterday saying they closed my acct wth. the excuse they used was couldn't handle high balances and supposedly had missed a payment on my other cards which is not true. then it said too many inquiries. wth. I used the card paid on time etc thanks to synchrony bank my credit score dropped XXXX XXXX  not right. this is ridiculous and unfair. paying on time even if it was the minimum is right so wth is their problem. I would like my account reopen and in good standing with the credit bureaus. I am disputing other company that says I was a payment behind which is error thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Product: Debt collection

On XX/XX/XXXX, I XXXX XXXX begin to have a wage withdrawal from my check from Discover Bank referring to an old account ; XXXX. 
This account was opened in XXXX and closed XX/XX/XXXX. Again Opened in XXXX and Closed again in XX/XX/XXXX. 

After several years of constantly communicating with the company that when it was re-opened It wasn't done by me, but a family member ( XXXX Brother ). As well my family member was using another family member 's information to pay the bill for it which cause all the retuned payments. 

Coming towards the year XXXX, I reached out to a representative of the company because I had a missed call after 7 years about clearing it from my credit and was trying to explain to the representative that it wasn't me, and he said " We can actually reactive this even though its been 7 years and start this over. ''
Product: Credit reporting or other personal consumer reports

This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on XXXX reporting as of XX/XX/XXXX. The last payment was not made on XX/XX/XXXX and is 30 days past due from XX/XX/XXXX reporting late every month from XXXX until XX/XX/XXXX. This is very inaccurate payment history reporting. I should have an active payment history from XXXX. XXXX, XXXX, and XXXX report different Account names as third parties XXXX XXXX XXXX XXXX. This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. XXXX failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following account : XXXX Account number : XXXX.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit Report and there is an address reporting on my credit report that is not mine. 
Below is a the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to 15 U.S. Code 1666b- Timing of the payments, these late payments are not valid and also are inaccurate due to how they are reporting the late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is not accurate and is a violation of my consumer rights. 


15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 



15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Checking or savings account

I opened two traditional Fifth Third Bank accounts and one Illinois Able specialized account but Fifth Third Bank is preventing me from activating my debit cards and denying me access to online banking. This is because according to Fifth Third Bank customer service representatives all new customers who open new accounts must wait 30 days for security reasons before they are able to use their accounts. But no such policy is made known to customers at the time of opening their accounts.
Product: Debt collection

I normally receive statements from DiTech on or about the XXXX day of each month. As of XX/XX/2019 I had not received my normal monthly statement. I called the customer service number XXXX. This call took place on XX/XX/2019 at XXXX PDT. I spoke with XXXX. She transferred my call to another DiTech employee. I stated that I had not received my bill, I requested the date on which the bill had been placed in the mail, I requested where the bill had been placed in the mail. He could only reply that the bill had been prepared with XX/XX/2019 statement date. This did not answer the question as to when and where the statement had been placed in the post. He stated that he did not have this information. I requested for a replacement statement to be sent. 

That this basic information is not available to DiTech mortgage holders indicates the intentional act of management to keep its employees and its customers uninformed as to the operation of their MSR processes. From an operational perspective, DiTech is not able to provide any believable assertion that DiTech has either the staff or the financial resources with which to present the DiTech business offering to the public.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XXXX XXXX, XXXX - XX/XX/XXXX, Multiple inquiries and duplicate accounts, unable to login into equifax for days. There were Attempts to open a bank account with XXXX; contacted the fraud section ; receive a charge to current bank account for credit services via XXXX XXXX, did not request ; reported to bank. Credit inquiries on Sundays with a car dealership. Sent images of the XXXX inquiries to XXXX XXXX from their platform ; still reflects accounts not under the bureaus. Equifax and XXXX XXXX has compromised my data. Also checked with check systems regarding correct information and filed a dispute. The duplicated accounts and inquiries hinders applications and increases debt an estimated {$20000.00} and its not. Fraud and freeze alerts were started on XX/XX/XXXX.
Product: Credit card or prepaid card

I recieved a Wells Fargo credit card that I did not apply for. I had a Wells Fargo banking account many years ago, so they already had my information. I only had a debit card when I had a WF account ... ... they now sent me a credit card. I did not apply for it. I am getting statements from them.
Product: Credit reporting

Experian credit reporting agency send back a letter saying suspicious request in the mail, will not delete if disputing again same information. I had send personal information that they ( Experian ) requests to verify consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   I went to Bank of America, located on  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  in order to obtain a signature guarantee to transfer funds from my  XXXX  IRA account to my ex-wife 's  XXXX  IRA account, in accordance with the " Consent Final Judgment of Dissolution of Marriage. I was referred to a Merrill Lynch associate -  XXXX   XXXX . The service was denied to me in spite of the fact that I had all documents they need it to perform it and they were available to him. I was asked if I have an account with Merrill Lynch. My answer was " No '' moment when I was told he can not perform the request and I was asked to try other Financial Institutions ( which I did  ).  I wandered what the would 've been if i had an account with Merrill Lynch which is part of BOA. Fortunately, my ex-wife has an account with  XXXX   XXXX   XXXX  and based on the documents I had they performed that "  Signature Guarantee '' in less than 15 minutes. Under these specific circumstance I want to complain about the way Merrill Lynch, part of Bank of America tries to force consumer to buy their products. I think was unfair and discriminatory the way my matter was handled by BOA and I will do  everything in my power to correct this way of doing business.
Product: Mortgage

Mutual of Omaha did not include my home insurance in my escrow when they transferred my mortgage to the new servicer as I requested and paid for. They recently included only my property tax before they transferred the mortgage to another carrier from my previous complaint. As a result, it created a deficit in my escrow analysis that has fouled up my payment amount with my current carrier that they transferred me to.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I experienced an issue with XXXX XXXX XXXX involving an amount of {$1700.00}. I noticed a problem with this transaction and took action by filing a complaint. Despite this, the issue remains unresolved, and I have not received a satisfactory response or solution from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I saw an account on my credit report from XXXX XXXX XXXX. This is not mine. I was never notified with a collection notice from this company or given a chance to dispute this. I was going to send them a validation letter but the company has not provided TransUnion with a mailing address or a phone number. This violates FCRA section 623. The FCRA prohibits furnishers from providing information to a consumer reporting agency that they know, or consciously avoid knowing is accurate. ALSO. they have violated FDCPA because at no point have they spoken to me in person or by phone. They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication either.
Product: Checking or savings account

There was XXXX taken out of my account with out my authorization I don't know how it was the pay a person. I did not do this and it was done in XXXX but I did not get a post. The way I found it was when sending my son money I seen the transaction. The denied my dispute I redisputed and waiting
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay off my personal load back in XX/XX/XXXX why are you guy still charging me? I kept seeing money being withdraw not made by me, if this is the chase i want a new banking information because i never asked to re apply for a personal loan