23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX mortgage has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I have been trying to get a modification of my loans with Bank of America for many years and all they do is keep trying to sell my home at foreclosure with the current date set for XXXX XXXX, 2016. The Attorneys that I have talked to have said that the entire loan should have been canceled because of the Fraud committed upon me and my XXXX son but the Fraud division of Bank of America refuses to talk to us. Can you help me? XXXX XXXX, XXXX XXXX XXXX XXXX or you can contact XXXX XXXX at his email ( XXXXXXXXXXXX ) but he can no longer help me because he retired and is no longer practicing law.
Product: Credit card or prepaid card

on XX/XX/2022 I contacted bank of america credit card services to discuss the derragatory reporting on my credit report as well as request the reopening of the account. Bank of america refused to comply.BANK OF AMERICA has closed my credit as a result a result of adverse action. Adverse Action is defined in regulation as a termination of an account or an unfavorable change in the terms of an account that does not effect all creditors. Bank of America is in violation of 15 USC 1681m which states that any action that adverse to the interest of the consumer or their benefit is a violation. Bank of America is also in violation of 12 CFR 1026.11 ( b ) ( 1 ) which states that an account can only be terminated if the credit agreement determines that the open end plan has reached the stated expiration date. This revolving account has no expiration. The account was also not inactive. Bank Of America are also in breach of contract because they have are not performing their fiduciary duty to benefit me the way that I see fit, I have not benefited from a closed account nor have I benefited from negative information being reported to my consumers account. Fiduciary is defined as trustee owing a fiduciary duty with respect to an instruments. I signed an application that stated that I promise to pay a certain sum of money. When I signed the negotiable instrument ( UCC 3-104 ) which was an unconditional promise to pay Also known as the credit instrument and security Bank of America benefited and I did not. Bank Of America Failed to fufill their Fiduciary. Bank of America also reported late payments to Consumer reporting agencies without my consent which is a violation of 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. There is also no section of the Fair Credit Reporting that defines late payments. Bank Of America is also in violation of 15 USC 1666b ( a ) which states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding the removal of the reporting of late payments as well as the reopening of the account. They have also reported this account as closed to the Consumer Reporting Agencies. This account was not closed by me which means that Bank Of america has made inaccurate reports to consumer agencies as well made unauthorized activities on my account. This has had substantial impact on my finances. I have been denied credit countless times because of bank Of Americas unfair and abusive practices which I could not have avoided. Bank Of america is solely responsible for their actions. I have not benefited at all from bank Of americas actions.
Product: Consumer Loan

I took a {$500.00} loan out with Northcash in XXXX 2015. I originally set up payments that would take longer to payoff but decided that I wanted to change to the shorter term. When I called them approximately 2 weeks later to change it, I was told I could not change it therefore I have already paid {$1900.00} on a {$500.00} loan. They take {$130.00} every 2 weeks. I want them to close my acct and consider it paid in full since I tried to have my terms shortened and they refused ....
Product: Credit card or prepaid card

I applied for 2 simply cash credit card from XXXX XXXX XXXX XX/XX/XXXX, based on their online offer ( pic attached ) to earn up to {$200.00} if spend {$5000.00} in the first 6 month and {$200.00} more if we spend {$10000.00}. 
One card i spent {$11000.00} till today The second card {$10000.00} till today I am now entitled for my cash back reward in both cards. when i called last week XX/XX/XXXX to follow up on my cash back they told me u r not entitled for any since u had old account and u are not new customer. 
this offer is never advertised for ONLY new customers. not a single line in the details says for ONLY new customers. 


the XXXX card numbers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that has been reported under my name with XXXX  XXXX, XXXX XXXX, RESURGENT This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account.
Product: Credit card or prepaid card

Synchrony Bank handles credit transactions for a number of gas stations and retail stores. I enroll in auto-pay with them ( an all my accounts ), but it seems every year they cancel my auto-pay, wipe their records, showing all my online payments as " one-time payments '', and attempt to charge me a late fee. Every year I call and they are very quick to refund the late fee - no questions asked - and I re-enroll in auto pay. 

I suspect that Synchrony is engaging in " digital check shredding '' in order to collect fees from their customers. This should be investigated by the appropriate authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

I currently have loan with Flagstar bank and they are saying that I had a lapse in insurance coverage. I never had a lapse in coverage and provided them all the paperwork showing this. They added a XXXX fee to my Escrow which I have never had an Escrow accounting because we did 20 % down when we bought the house.

I called them on the XXXX and provided them all the documents the same day. The fee has not been removed and I was forced to pay it today so I would not be charged a late fee or interest affected for paying late.
Product: Vehicle loan or lease

The referenced lease was obtained using the attached fraudulently signed document. The signatures on the attached document ARE NOT my own. Ally is abundantly aware that this lease was obtained by the dealership submitting fraudulent documents. To be 100 % clear, this complaint is in no way related to any previous complaint and requires a response other than " we already looked into it - nothing to see here ''.
Product: Credit card or prepaid card

I have a Capital One mastercard and for the last 2 months I've received notifications and pending charges from Target that I did not make. The charges have shown up in XXXX and XX/XX/2021 even though I have not made any purchases from XXXX in those months. 

When I contacted Capital One they tell me they can not address issues while a charge is pending. So far these charges have not posted but they significantly and unfairly reduce my available balance during the days where these unauthorized pending charges emerge.
Product: Mortgage

My primary residence was going through possible repossession, then short sale with   XXXX   (   XXXX   XXXX   XXXX   XXXX   ) fr om  XX/XX/XXXX - XX/XX/XXXX . Was able to do modification later on. However, the new mortgage is for 40 years.  Suntrust Bank h ad a second mortgage and   XXXX  me stating Debt Forgiven.  Date of identifiable event by  Suntrust  is   XX/XX/XXXX    . This was a taxable event and had to be filed with the IRS.     A recent title search revea led Suntrust is still showing as a lienholder on the property and title. I am looking for Suntrust to remov e themselves as lienholder on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter requesting validation, accuracy or deletion of accounts that are deemed to be reporting unlawfully to XXXX on XX/XX/2019. I also sent a dispute letter for them to remove any incorrect personal identifiers that are not and should not be associated with me such as physical address, name, phone number, etc. My credit report still reflects inaccurate information. The personal identifiers that I consider to be fraudulent were not removed by the Credit Reporting Agency XXXX. Also I receive an letter in the mail on XX/XX/2019 regarding a investigation that I requested in regards to accounts that are not reporting correctly in accordance to the FCRA and in the letter address to me XXXX  did not provide any documentation nor evidence regarding the accuracy of the accounts which is what I requested in the Compliance letter that was sent out to them on XX/XX/2019. They are also not willing, according to the letter to re-investigate, however they did not do a proper investigation after my first request. According to the FCRA I have a right to aks for a thorough investigation into items on my credit report and those items should be verified for accuracy or deleted. I have outlined the errors that are reporting on these accounts that are not within FCRA guidelines and yet XXXX  refuses to investigate. I am requesting deletion of said accounts due to XXXX  unlawful act to investigate and neglecting of my request for a through investigation according to my consumer rights outlined by the FCRA. As stated no paperwork was submitted to me to verify the validity of the accounts nor the accuracy. These items are detrimental to my credit profile and my ability to obtain credit.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been reported to XXXX XXXX, XXXX, and experian XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX {$530.00} and XXXX XXXX XXXX XXXX XXXX XXXX .These following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose I would also need the removal of these inquiries listed below immediately as I were not aware of these either. 

XXXX XXXX Via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Re : Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to : Wakefield & Associates To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { Wakefield & Associate }. I have received a response that clearly violates my rights according to HIPAA. { Wakefield & associate } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. Wake field and Associate on my XXXX/XXXX/XXXX for {$890.00}. I have no knowledge of this debt and it needs to be removed.
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 Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

ON   XX/XX/15    XXXX   XXXX   XXXX   CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the bANK OF AMERICA ACCOUNT AND I DID PAY OFF A TOTAL OF  XXXX  AND NOW BANK OF AMERICA IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING   XXXX   XXXX   AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to Ford Credit reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedFord Credit on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. Ford Credit expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX - XXXX - XX/XX/XXXX - {$280.00} Fraudulent Inquiries XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Payday loan, title loan, or personal loan

The interest is actually not even calculated in APR ( which they advertise only on their contract at 780 % ). Biweekly and interest finances charges on the loan are excess of 20 % to 40 % of principle. Even paying the loan within two month would essential cost double of the principle. Of the initial payments of 300 dollars, pennies on the dollar are applied toward principle. The lender is compounding interest daily, assessing finance charges above lawful pay day lending limits, and is otherwise using predatory lending practices.
Product: Debt collection

I logged into the XXXX website to check my credit report on Thursday, XX/XX/XXXX. I noticed several fraudulent accounts opened in my name. I immediately reported the fraudulent negative accounts to XXXX and I reported the identity theft to my local police department on XX/XX/XXXX. XXXX explained to me that in order to have the accounts removed or deleted I had to file a complaint with FTC.GOV. The fraudulent accounts are listed below with the dates that they were opened. 

XXXX  XXXX : Opened on XXXX, XXXX, XXXX for {$190.00} XXXX XXXX : Opened on XX/XX/XXXX for {$15.00} XXXX : Opened on XXXX, XXXX, XXXX for {$2700.00} DISCOVER BANK : Opened on XX/XX/XXXX for {$8800.00} XXXX : Opened on XX/XX/XXXX for {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX {$380000.00} XXXX  XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

Prepaid card was purchased on XX/XX/21 and was not used. Funds were kept by bank at expiration of the card. My card has expired but the funds have not and should be returned. 

Transaction details below from OmniCard : DATE MERCHANT TYPE STATUS AMOUNT BALANCE XXXX XXXX N/A Sweep Funds ( Breakage ) - Expired Card/Closed Account Posted $ XXXX {$0.00} XXXX XXXX XXXX XXXX Value Load -- Activation Posted {$50.00} {$50.00}
Product: Bank account or service

I used my debit card over the weekend and those charges were deducted from my balance. I checked my account on Tuesday, XXXX XXXX and the charges posted to my account but were also in pending. They charged me XXXX NSF fees for the pending charges which had already been deducted from my account. I tried talking with XXXX different representatives from PNC and they neither one seemed willing to help me check into it or resolve the issue. They told me that I had a refund already from back in XXXX 2015 which was from an error in a fee PNC could not explain except that it was charged in error and they would correct it. This should not count against me. There seems to be something weird going on with how they charge fees. I do not think {$140.00} in fees for something they ca n't even explain to me is fair at all.