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

On XX/XX/2021, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card

I made a charge, returned the item w/i the proscribed time period, merchant did not honor the return. 

I wrote to company, they asked for additional information, I provided it, but they took no action
Product: Bank account or service

When we opened the business account XXXX we were told that there would be no fees associated with the accounts. The remote checking and the fee for having the account would be complimentary XXXX. However, we were assessed fees on the XXXX account every month. When I brought the fees up, the Citibank representative XXXX XXXX XXXX told us she would address it, but never did. Apparently, she left Citibank XXXX XXXX XXXX for another branch. I have talked and emailed XXXX XXXX, the manager at the XXXX XXXX XXXX branch, many times and received no resolution. 
I have gone physically to XXXX branches ( XXXX, XXXX XXXX, XXXX XXXX XXXX, spoke to multiple individuals over the phone and spoke multiple times on the citibusiness hotline XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, but received no resolution. I have multiple emails of me following up XXXX 
All the representatives from other branches have told me to go back to Citibank XXXX XXXX XXXX, which is where we opened the account but I am not located in that area. In XX/XX/XXXX2014, when I went to Citibank XXXX told me that I should be able to resolve the issues at any Citibank I walk into since it should not have to be a home branch. They made multiple attempts to resolve this from what XXXX told me, but XXXX XXXX and the XXXX XXXX XXXX district never followed up. It was not until XXXX/XXXX/2014 when I followed up with closing the account that XXXX XXXX made an effort and stopped the fees from incurring. 

I have spoke to XXXX XXXX, the district manager, on XXXX/XXXX/2014, who told me that it is my fault for not bringing up the fees with the accounts within a 3 month time frame. 
I work full time XXXX and help out my mother XXXX. I do n't have time to pursue this issue full time. It has been incredibly frustrating to have to go through so many individuals at Citibank and receive no resolution at all. My impression is that it is easier for Citibank not to reach any resolution in order to continue incurring fees onto the account. A resolution to stop future fees was finally made on XXXX/XXXX/2014 when I told XXXX XXXX via email when I asked for the account to be closed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

I have a XXXX with SunTrust Bank. Their online payment system is very buggy at best and they refuse to even acknowledge that they have a problem. If it was an annoyance that would not be so bad but this is costing their customers a lot of money. The system either sometimes acknowledge an online payment but does n't actually submit it and sometimes refuses an online payment but actually take the payment. On XXXX XXXX, 2017 I attempted to make a payment of {$250.00} online and the system rejected it twice. I call customer Service for help but was told that they could my bank with the routing number. There was nothing wrong with my routing number. I called the next day ( XX/XX/XXXX ) and was able to make the payment and the representative told me that the other attempts were not successful. I talked to a supervisor ( XXXX ) and he confirmed that I was unable to make the payment on line. He insisted that there is nothing wrong with the bank online system. The next day I checked my account on line again and noticed three payments ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ). I called SunTrust and was told by XXXX not to worry as their system shows only 1 payment made over the phone. When I checked my personal checking account however, it showed that SunTrust withdrew {$750.00} ( three times {$250.00} ) from my account. I called SunTrust back and asked to talk to XXXX the supervisor again but was told that he suddenly went on vacation. I talked to two other supervisors, XXXX, XXXX and one manager, XXXX and was told that the best the bank can do is issue a refund but I would have to wait at least ten business days. Now my other bills are in jeopardy of defaulted and SunTrust would not so much acknowledge that they have a problem. I understand that this bad system does n't affect the bank as they are able to collect late fees when their system fails and benefit from people having bad credit scores since they can charge higher rate, but I do n't think they should be allowed to defraud their customer like this. This is morally reprehensible and ultimately will be bad for business.
Product: Debt collection

My second mortgage was involved in a Chapter XXXX bankruptcy and was discharged in X/XX/11. The note was originally with Countrywide and then Bank of America picked it up then It went into chapter XXXX bankruptcy due to I became XXXX After the bankruptcy I continued to pay both mortgages. I decided to refinance both mortgages with Bank of America and they only picked up my first and I asked them why did n't they include my second and they told me " Mamm, we have to take care of your first mtg first, then we will take care of your second '' but instead, they service released it to XXXX. XXXX told me they could n't help me. Then I rec 'd a phone call not a letter and was told XXXX XXXX has the second mortgage now, at this point I am not sure what is going on with the 2nd mtg. My credit report states I have a XXXX balance owed on that original loan number but it keeps getting reassigned a new loan number. If XXXX XXXX still has the lien on my property I would like to know what the balance on the lien is? And what the balance on the 2nd mortgage is since it was involved in the Chapter XXXX bankruptcy. What options are available for me to resolve this issue? XXXX XXXX offered to settle for {$15000.00} but of course I could not come up with that amount. At this point I am not sure I am dealing with a legitimate company or a scam. It keeps getting reassigned with new loan numbers.
Product: Prepaid card

I cancelled this card for social security payments I have never used payment address that this card was sent to XXXX Idaho I never received funds from this card dated XX/XX/year> I have personal bank accounts.
Product: Debt collection

APELLES say I owed a debt of {$11000.00} to them which I never hear of them or no such debt. 15 U.S. CODE 168 ( C ) 2, 15 U.S. CODE 1692 ( G ) THEY ARE NOT THE ORIGINAL DEBT HOLDER PURSUANT TO 18 USC 8, I OWE NO DEBT. THIS COMPANYIS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2.COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15USC 1681 4
Product: Mortgage

Hi, This is going to be difficult to explain so bear with me. Last year my brother became terminally ill. In an effort to try and find the moneys to go see my brother before he passed away I reached out to my mortgage company to see if I had any hardship plans to help me with the expense. I called them Nationstar Mortgage and told them the situation and wanted to know if I could miss XXXX payment to make the flight. The lady on the phone said yes they could waive XXXX month 's payment and I could pay it up by paying {$1000.00} amount for the next 5 month to catch it up, my normal mortgage is {$830.00}. I also asked her if that would impact my credit and she assured me that it would not and she would also set up my account so that I would not receive the automated phone calls about a missed payment. So for the first 2 months it was working well, no phone calls and I was paying {$1000.00} per month as opposed to my {$830.00}. Then all of the sudden I start getting automated calls. Then I got an alert on my credit reporting agency. So when I looked it up the mortgage company came up as XXXX month missed payment. I called Nationstar and asked them what they were doing and had to explain to them what the arrangement was. At first they had not record of that agreement. I asked for a Manager, and he was finally able to find the record of the agreement. He then informed me that the agreement I was told could happen was not allowed and she was not supposed to do that ''. So I told him ok but then what happened to the overages I paid towards my mortgage and how could they be showing me one month behind since I was not. Where did that money go? I told him based on the money I paid over the amount owed I should only owe you a couple of hundred not a fully month premium. He asked me to fax him my I was checking account statement that shows how much I have paid above the mortgage rate. So I have faxed it never heard back from them. As of today I have fax it and called them repeatedly and have yet to get anyone to investigate and fix this. 
On my last call which was last week I again re-iterated the story and told them the name of the last manager I spoke to and I gave her his name. In that conversation the lady said that XXXX was not a manager and she would report him for saying he was. Now I faxed the form again and she said they would get back to me in two days that was last week. How can a mortgage company be allowed to operate so unethically? What do I have to do to get this fixed? I have never missed a payment before since I purchase this house and this nightmare is never ending I need help can someone out there please help me. Please is there anything I can do to get this resolved they are ruining my credit and keeping in loss of my bother ever a nightmare that never ends. This company has no business operating as a mortgage company. They bought out my mortgage from the original mortgage company and when I look them up they are a collection agency. How can this be clearly they have no business buying out mortgages and operating as a mortgage company.
Product: Debt collection

I don't know who or what this is. When trying to verify, all they could verify was my name, social and past address. Problem is... I'm a victim of the XXXX breach back in the day so all of this information is verifiable. I have pending litigation against this company.
Product: Mortgage

my morgage broker told me she knew the rules ... ... ... .she waited until two wks to closure to order the XXXX appraisal which she told me later would me min of XXXX wks ... ... this caused me to extend me lock rate and cose me an a dittional XXXX on ever extention ... ... .she neglectected to pay attention to the fact that the curren owner owned the property less than a year and increased the value more than double of which they purchased ... ... .she owns the company she handles ... ..she should have known it would take XXXX appraisls to close ... ... .she continued to try to extend the mortgage every day ... ... I should not be responsibile for extensions she caused either due to her lack of knowlege or due to her act of of god as she purposed to me ... ... ... .I paid XXXX % at closing due to her negligence ... ... ..is this what he government is standing by? 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts that does not belong to me. XXXX XXXX  XXXX # XXXX, XXXX and XXXX XXXX XXXX. I have submitted these accounts to XXXX with supporting documents several times and they still send me letters stating that the accounts have been verified. XXXX XXXX with Equifax I submitted to them as well asking to provided proof of ownership I receive nothing.
Product: Debt collection

This company Diversified Adjustment Service ( XXXX ) contacted my XXXX year old parents in another state to get information on me. Meanwhile I already paid the debt to XXXX XXXX XXXX. When I asked the debt collector how they got my XXXX year old sick mothers cell phone, who regularly takes my XXXX year old father to XXXX for XXXX XXXX, they said " It was contact information from XXXX '' This is a total lie. I dont even know my mothers cell phone number. Why would I ever add it as a contact number. This has caused her a great deal of stress an worry.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempts to inform credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This dispute started in XX/XX/XXXX when XXXX failed to reply to multiple letters and supporting correspondence. I am not obligated to pay any disputed amount by law, so I did not. This account is now current and has been for almost four years. The dispute of {$2300.00} is resolved, and the balance is credited for that amount. All payments are being made on time. 

I agreed to the settlement during the call with your representative on or about XX/XX/XXXX. Initially, I was told the call was being recorded by XXXX. During that call, as part of settling the account, my credit report and XXXX history would also be updated to show the correct/current information. After years of on-time payments being reported accurately, as of today, XXXX continues to show the account past due from XX/XX/XXXX through XX/XX/XXXX. 

This is incorrect. The aging should be amended now that the dispute is settled, and this delinquency history should be deleted or amended. As a result, I am requested a copy of the transcript or actual recording of the phone call with XXXX as evidence of what the XXXX representative promised in order to encourage me to agree with the settlement terms. If you feel the representative would not mis-represent the terms, then the recording or transcript would also indicate such. 

I am therefore requesting that any previous months delinquencies or late payments be removed, corrected, or suppressed from all three Credit Reporting agencies where they continue to appear, negatively influencing my overall report. Please reply directly to me as to how XXXX will finally resolve this matter after five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 UsC 1681 Section States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 US code 1681 A Definitions rules of construction Exclusions-Except as provided in a paragraph the term '' consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute due to multiple violations of the Fair Credit Reporting Act ( FCRA ) that have affected my credit report. Specifically : Civil Liability for Willful Noncompliance ( FCRA Section 616 ) : Credit information was accepted without proper verification of its accuracy, which is a willful violation. Under FCRA, this can result in civil penalties of up to {$1000.00} per violation. Failure to Disclose My Right to Opt-Out ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The reporting agencies failed to inform me about my right to opt out of sharing my personal information, which misled me and violated my consumer rights. Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, which violates Generally Accepted Accounting Principles ( GAAP ) and constitutes deceptive reporting. Debt Collection Practices Act Violation : The reporting agencies allowed inaccurate debts and accounts to be reported without my consent, leading to unfair practices and unnecessary harassment. Unauthorized Disclosure of Debt Information : Debt collectors violated regulations by sharing my information with third-party credit reporting agencies about an alleged debt. Inaccurate Reporting of Late Payments : Late payments were inaccurately reported on my credit report without a clear definition of what constitutes a late payment, which misrepresents my credit history. Failure to Properly Determine Finance Charges : The credit reporting agencies failed to accurately calculate finance charges, violating their responsibility. Permissible Purpose of Reporting Information ( FCRA Section 1681b ( a ) ( 2 ) ) : Unauthorized hard inquiries were made on my credit report without my written consent, violating the permissible purposes rule under FCRA. I have requested that the credit agencies immediately correct these violations by removing inaccurate and unauthorized information from my credit report. If these issues are not addressed promptly, I will be forced to pursue legal action under the provisions of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting this unauthorized information on my credit report.
Product: Vehicle loan or lease

I have experienced several ongoing problems with my Yamaha Motor Finance loan : - The company makes it extremely difficult to make payments above the minimum monthly payment amount in an effort to pay off the loan early. Payments above the minimum are applied to the next payments instead of principle - moving the payment due date far into the future instead. This is not clear anywhere on the website. I later found the only way to make such a payment is to pay by phone through a very lengthy process. Even then I am not able to actually make a payment purely toward principle- it will first apply part of the payment toward the next payment due first. In my case for example, my next payment due isn't for many months due to the problems noted above. This only compounds the problem noted above and keeps shifting the due date into the future and making it impossible to make a payment toward principle. 

- Amortization tables are not available and it is entirely unclear how interest is being accrued. For example, by paying down the principle earlier than the minimum payment schedule it is not clear if the interest being paid is being adjusted accordingly. 

- The loan information including loan balance on the website does not match up with the statements and payments made are not accurately reflected. It is entirely unclear if and how payments are being applied
Product: Credit reporting or other personal consumer reports

XXXX XXXX contacted me via Social media represent XXXX XXXX with work from home. He sent me {$4800.00} in a fraudulent check. It bounced and I had to pay over {$300.00} in clearance fees, and hes using my address XXXX ( XXXX ) XXXX XXXX from XXXX XXXX stole {$100000.00} from me online trading XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name being used to open credit card by ex-wife XXXX XXXX Capital one credit card She has done it before XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

While going over my credit report I discovered inaccuracies that did not pertain to me. My father 's personal information was mixed with mine including his spouse 's name XXXX. XXXX of the addresses on my report were his p reviews addresses. I've never been in the XXXX XXXX. It was listed on my employment history. I believe Barclay 's bank was part of his credit history. He is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I believe this is why the discrepancies on my credit report occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a duplicate reporting on my credit that I tried to dispute from the same company and its hurting my credit. The creditor is XXXX  I for the amount of XXXX and one is dated XX/XX/XXXX and the other is dated XX/XX/XXXX. It was sent to collections XXXX XXXX and XX/XX/XXXX for the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX, XXXX My name is XXXX XXXX XXXX My phone number is XXXX