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

One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX. I had a XXXX for XXXX in XXXX. The account was closed XX/XX/2022 because I never used the card. 

I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable
Product: Debt collection

I received the attached correspondence from Wakefield & Associates regarding a medical collection from original debtor of XXXX XXXX ( XXXX ) in the amount of {$60.00}. The attached Word document contains screenshots of the XXXX XXXX XXXX XXXX which shows I do not owe any debt and shows my payment from my XXXX account on XX/XX/2019. I contacted a Wakefield & Associates agent on XX/XX/2019 to inform him that this debt had already been paid but during the conversation the agent proceeded to tell me I owed more that what the attached correspondence showed ( recording attached ). I informed the agent that the only billing I received from XXXX XXXX was in the amount I paid but the agent persisted to which I invoked my right to tell the agent to cease and desist collection efforts. Again the attached Word document confirms that I have a XXXX balance and the XXXX XXXX billing agent states they received my payment but it was not credited to my account. This account should have never been in collections and therefore there should be XXXX entries on my credit report from Wakefield & Associates. I am hypersensitive to any negative credit reporting because my credit score has already been severely damaged due to identify theft. To date I do not see collection reporting from Wakefield & Associates but if there is I will immediately pursue litigation to include monetary damages.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX regarding their continued restriction of my access to my credit report, despite my compliance with their documentation requirements. I submitted the necessary documents requested by XXXX numerous of times since last year, including types of documents, proof of identity, proof of address, along with a cover letter as requested. However, I have yet to regain access to my credit report, and attempts to resolve this matter directly with XXXX have been unsuccessful. 
This issue has caused difficulty applying for credit, inability to monitor my credit, and I believe XXXX actions are both unreasonable and detrimental to my financial well-being. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that XXXX restores my access to my credit report promptly. Please let me know if additional information or documentation is required. 

Thank you for your attention to this issue. I look forward to your response. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After reviewing my credit report I noticed two inaccurate inquiries on there being reported by Tower Loan in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which Tower Loan did not respond back until after my third certified by mail letter. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my credit reports. Regarding the following inquiries < Tower Loan from XX/XX/XXXX and XX/XX/XXXX > I have disputed these unauthorized inquires for several months with no help from Tower Loan. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I called and spoke with a supervisor who stated that these two inquiries were not authorized by me at all but they needed an update address for a bill. I DID NOT AUTHORIZE Tower Loan to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY NOT!! no reason to pull a HARD inquiry on my credit report without my authorization! Tower Loan's credit department also informed me that both inquiries will be dropping off my credit report in just a few months, they didn't see what the big deal was??? REALLY??? These people were RUDE and very inaccurate on their information that was given to me. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately!
Product: Credit card or prepaid card

I have contacted google multiple times and told them that I don't remember applying for different recurring accounts with them. I also believe that a family member has used my info to get recurring accounts and I didn't realize this until charges from different recurring companies started posting to my credit/debit accounts. I have reached out to google to ask them to stop charging me and I told them these are not charges that I recognize but they are not corresponding back to me. I also believe that the charges were fraud on my XXXX and I changed my XXXX password.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate!

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report.

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 
I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.
Product: Credit card

I had two cards with Bank of America of 12 year duration and credit history. Rather than pay two fees yearly, I decided to cancel one of the cards. 

Weeks later, I saw my XXXX score had taken a hit. I had anticipated this and the eventual rebound a few months later. As the months unfolded however, my XXXX went from an XXXX to below XXXX. I contacted the Bank of America credit card services and enquired why this might be. I was told by Bank of America that despite my name being on my Bank of America business card, the other card I cancelled contained all my personal information as reported to the 3 credit bureaus. I then tried to have my Bank of America personal card reinstated as I was told it is possible to reopen accounts as this was done on a " case by case '' basis. Despite my decades of never missing a payment and positive history Bank of America refused my request two times. Bank of America also refused to send a letter saying when my personal account was opened and when it was closed as well as any " good standing '' information that could help me rebuild my credit.

I now do not exist with the credit reporting agencies and am no longer able to draw credit or secure a credit card. Bank of America never told, or warned me, that my personal information was tied to the one card that was being cancelled. To me, both cards had my name on them. It was inconceivable that cancelling either card would terminate any and all credit history.
Product: Credit reporting or other personal consumer reports

Good leap illegally transferred account into my name after I denied the agreement twice. I did not agree to terms. I requested good Leap to remove the account and the credit reporting.
Product: Credit reporting or other personal consumer reports

There are unauthorized and fraudulent information currently appearing on my TransUnion credit report. As a victim of identity theft and The XXXXData breach in which my personal information has been compromised, leading to several fraudulent accounts and inquiries including XXXX critical findings tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Repofting Act ( FCRA ). This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach. Also, I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that XXXX  handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. I have reason to believe based on my disputes with TransUnion they did not use reasonable procedures to assure maximum possible accuracy of my information per USC 1681e ( b ). Also, please update my name, and remove all alias names. Driver 's license attached. Please update my address, utility bill is also attached.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX  : Account number : XXXX  This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I payed the amount of the Zales credit card account that showed to pay the card off completely. I receive this months statement and is shows a balance of {$91.00}. I called to explain the situation and they told be too bad. These fees were accessed and that how it is. I explained to them that I payed the account off in full and they said even though you payed it on time these fees were before the due date. How is that? I asked and the response was that is how it is. The call took place on XX/XX/2020 at XXXX XXXX  central time. I spoke with XXXX in customer care I was told he was a supervisor. I made a {$91.00} payment to end the disagreement and asked for a pay off letter. This is preditory lending at its finest.
Product: Mortgage

In XX/XX/XXXX, we refinanced our primary mortgage with Pentagon Federal Credit Union ( PenFed ). At the time of refinancing, we had 2 additional liens, both with PenFed : a Home Equity Loan and a HELOC. Both liens were up-to-date on payments and in good-standing. In the refinance and with the counsel of our PenFed loan officer, we closed the home equity loan and kept the HELOC open. Our closing disclosure stated to " LEAVE OPEN '' the HELOC and " CLOSE '' the home equity loan. After trying to make a draw from the HELOC we learned that PenFed decided in XXXX that our HELOC should have been closed in this refinance and have frozen our line-of-credit, in effect ending the draw period 7 years prematurely. We feel that PenFed has improperly frozen our HELOC which is in good-standing and was properly acknowledged and left open at closing and has been in active use since our closing. The PenFed loan officer in XXXX insured us that the HELOC would remain open after our closing and we could continue to use it, as we did multiple times through XXXX. At no time during the closing of our refinance in XXXX did PenFed state that this HELOC must be closed at the refinance closing. PenFed 's closing documents did not require closing of the HELOC. Our refinance was approved and funded with the HELOC remaining open. PenFed owns both the HELOC and the 1st mortgage on our property so subordination should not even be an issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a notification from XXXX that I just had a hard inquiry done to my report the company 's name is FEB/DESTINY phone number : ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I called the credit card company, but the number that appears on the credit report is not working. I used another number I gound in XXXX search, but when I talked to the representative she couldn't find any records of me ever applying for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i am taking action because i keep getting refused for bank accounts and other things i have been a victim of identity theft and every time i apply i get denied when in all reality XXXX XXXX XXXX  was just dischgarged and i should have nothing in the early warning system they keep telling companys false information and getting me denied
Product: Checking or savings account

JP Morgan Chase Bank has been extremely negligent in processing several dispute claims I had previously submitted. It has been over 14 days since the initia submission of these disputes and I have not been provided with any credit while the investigation is underway. 

Per Claim Tracker via Chase Bank Mobile app, the following claims are open and still in progress... 

XXXX {$66.00} on XX/XX/2023 XXXX XXXX. {$32.00} on XX/XX/2023 XXXX XXXX XXXXXXXX {$120.00} on XX/XX/2023 MULTIPLE TRANSACTIONS {$25.00} on XX/XX/2023 Multiple Transactions {$10.00} on XX/XX/2023 Multiple Transactions {$26.00} on XX/XX/2023 This is not my first complaint with the same financial institution. Due to their consistent display of gross negligence and failure to abide by federal regulations which specify how to administer dispute claims I will be seeking legal assistance to initiate a suit in U.S. District Court for their insubordination, deceptive trade practices, and violations of Federal legislation.
Product: Money transfers

We transferred money from our XXXX to our US bank account. Most banks operated with an exchange rate of XXXX the day the transfer was made ( XX/XX/2015 ), the highest exchange rate we have seen that day was XXXX. Bank of America on the other hand gave us an exchange rate of XXXX. This made the transfer about 260 dollars less than expected. After complaining to Bank of America they gave us 130 dollars back, an exchange rate of XXXX. We still mean this is far to high considering the exchange rate XXXX XXXX. 2015. They also informed us that their exchange rate is higher the higher the transferred amount is, and we want to complaint about this arbitrary way of setting the rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose a collections account from XXXX 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
Product: Mortgage

I applied for and accepted a HELOC with PNC based on an assurance by the loan processor that, based on the appraisal, I could increase my line of credit and lower the interest rate to a lower variable rate. On XXXX, I received a call from the loan processor confirming a rate of XXXX XXXX on a loan to close on XXXX. In XXXX, I received loan documents with a rate of XXXX XXXX. When I questioned the loan processor, she stated that the underlying index on which she calculated and confirmed my rate had changed over the weekend. When I asked her for proof that had occurred, she claimed to have made a mistake, admitting that the index had not changed. I am still waiting to close on the loan for {$190000.00} at XXXX XXXX. I understand that if the index changes my rate will adjust accordingly.
Product: Credit card or prepaid card

My card was used fraudulently and charged thousands of dollars l. I reported this to the credit card company.
Product: Money transfer, virtual currency, or money service

Venmo account will not let me log in. Ive changed my password and still cant log in. I have no access to my funds. 

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

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX