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

XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged.  XX/XX/XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XX/XX/XXXX MORTGAGE PAYMENT HISTORY, XX/XX/XXXX STATEMENT
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX # XXXX, TX XXXXXXXXTo whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. On XX/XX/2020, I retrieved a copy of my credit report on XXXX and discovered an inquiry that I have no knowledge of that it would hit my credit. I was told that as long as the application is within 30 days of each other on a mortgage loan that I would ONLY have 1 hard inquiry. I did apply for credit with XXXX XXXX on XX/XX/2020 and was approved, that was 14 days before XXXX/Quicken Loans on XX/XX/2020. I have also reached out asking that they remove the inquiry from my credit profile. Per XXXX XXXX with Quicken Loans they do not have the ability to remove the inquiry that was falsely reported. I am purchasinga home and this inquirydropped my score over 15 points at all XXXX, XXXX, XXXX. 
I asked the operator on the chat to remove the hard inquiry, along with all my information. Your company should ask before pulling someone's credit and potentiallyaffecting the chance of homeownership, if that person has any bankruptcies or anything on their credit that could hinder an approval instead of asking for my SS, DOB and name.Please launch an investigation into the Quicken Loan inquiry todetermine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Quicken Loan is able to prove that the inquiry is indeed valid, and is not in violation of the law, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Please remove ASAP. 

Sincerely, XXXX XXXX
Product: Mortgage

I encountered significant hardship in the last year : became a single mom ( no child support ), closed two of my businesses, and suffered extreme financial hardship. I applied for loss mitigation over 6 months ago ( immediately when I fell behind my second missed mortgage payment ). With a ton of back and forth, constant follow up, I finally received a letter today that was dated XX/XX/18. Saying I did not quailify. They did not specify a reason, or date of foreclosure. Im desperately trying to save my home for my XXXX year old son and myself, to keep a roof over our head, and I have tried making payments but they have been sent back. They are demanding I pay {$13000.00} in full and I do not have that.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I filed a dispute with chime and explained in my dispute that the atm I used to withdraw XXXX dollars did not dispense my money to me but the money was taken out of my account.when I got in touch with the merchant that owns the cash station machine, the looked into my accusation and told me that there was an error in their atm and told me that I was right, the machine did not dispense me no cash.i went through the proper chain of command with chime only to find out that they denied my claim. I have since refiled dispute after dispute with chime after sending them more evidence every time they denied my dispute but to no avail, they seem to be sending me denial after denial saying their was no evidence that the atm didnt dispense me the funds.so I called the merchant to verify if chime had reached out to them.they stated that they have not received a chargeback from chime and chime has not reached out to them at all concerning my dispute for investigational purpose.i need to send u guys all the evidence I have because chime has not looked into this matter but continue to deny my dispute.i have transaction records number, the time, date, and location.i also have an email from the merchant that says chime hasnt reached out to them at all.chime wont let me talk to their investigators and every time I get a supervisor on the phone I get the run around about my money.please help me and look into this matter.i promise u this is worth your time.thank u very much.
Product: Credit reporting or other personal consumer reports

I moved from XXXX to XXXX in XXXX XXXX, my Bank of America Credit Card was set up on automatic payments deducting from a XXXX  Bank account. I closed this bank account when I moved to XXXX. I thought that I had updated all my Credit Cards with my new address, but BOA must have slipped my mind during that tumultuous transition period. 

XX/XX/XXXXXXXX  - Payment was auto-deducted from the closed XXXX  account for {$17.00} against my Bank of America XXXX BOA ) Credit Card XXXX 

XX/XX/XXXXXXXX  - I received email " Confirmation : Thanks for your Credit Card Payment '' from Bank of America. 

XXXX/XXXX- I received email " You have a new Online bill '' from BOA XXXX This bill was for {$17.00}, noting a due date of XX/XX/XXXXXXXX. I did not see this email. They did not notate this was related to the previous bill either. 

XXXX/XXXX- My account went past due. 

XXXX/XXXX- I made payment the moment I was aware that my original payment did not process and was categorized as " non-charge charge back '' by BOA. 

XXXX A late payment was added to my credit report and my score dropped XXXX points. 

30days did not pass between the XX/XX/XXXX stated due date and when I made payment on XX/XX/XXXX. 

I am requesting intervention to remove is from my credit report. I have never been late on any of my open accounts. I am a XXXX XXXX XXXX who is trying to buy my first home with my spouse and XXXX XXXX XXXX daughter. This erroneous late fee has now made that dream impossible due to the higher interest rate. Please help, I need some good will, thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a Mosaic loan for solar panels installed on my home. Paying each month was a hassle due to their system being old and problematic so I signed up for automatic payments. This worked much better until the payment amount changed. I received notice the amount was changing but not the the new amount nor when it would change but I wasn't concerned because I was aware it would change and I had automatic payments set up. 3 months later I get a late notice on the difference of the original amount and the new amount which didn't make sense. I had no idea when the new amount was due nor what it was and I saw the old amount still being pulled on the correct date as usual. So I called and settled the account right away for the difference plus made sure the new amount was updated. I then saw it come up on my credit report as a late payment. The payment was NEVER late. They collected the incorrect amount on my automatic withdrawal. When I called to dispute it, I was told it was my responsibility to update the automatic payment amount and to know how much and when. After numerous calls, I FINALLY got a representative to tell me that because I paid XXXX day later than when they report late payments, it was marked late even thought it wasn't AND that they should have update the automatic withdrawal amount. He also confirmed they never sent the amount nor the date. So, he escalated for me ( this was after much pressure on my part because this company has no actual escalation path nor direct phone number for disputes ). They are basically saying this mark shouldn ' be a big deal and take no accountability and 'no one can help you '. It has taken me from 100 % payment to 99 % and can be on my report for YEARS. It's XXXX thing if I was late but I wasn't and I never am late and I had automated payments to avoid the issues with this company with payments from the start. I absolutely do NOT accept this mark as valid and this company seems to feel they can just mark my credit for THEIR error with XXXX repercussions. When they first refused to connect me with someone to discuss this issue I said I will report you for credit reporting fraud and the rep actually said XXXX should do that because there won't be anyone here that can look at this. ' Sad.
Product: Debt collection

I have requested via certified mail for this company to send me a document bearing my signature showing this debt is mine. I have no knowledge of this debt as it does not belong to me. To date, I have only received threatening letters stating they will sue me. This is violating my rights and is illegal. Cease and desist all communication with me. Furthermore, delete these inaccuracies off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have previously reported to XXXX, XXXX and Transunion that I was a victim of identity theft, and I have provided a police report and an identity theft report under penalty and perjury along with a sworn affidavit. According to 15 U.S. Code 1692 and 15 U.S. Code 1681s2, as a credit furnisher, XXXX, XXXX and Transunion are obligated to conduct a fair, thorough, and accurate investigation into any disputes regarding my credit information. Despite my efforts to provide sufficient evidence that my personal information was fraudulently used to obtain credit, XXXX, XXXX and Transunion investigation only acknowledges that my information was used but fails to verify that I, in fact, applied for credit with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
Given the seriousness of this matter, I demand that XXXX, XXXX and Transunion immediately remove any and all items related to this identity theft from my credit report. 
I would also like to bring to your attention a concern regarding a breach of my personal information. My private data was compromised in the XXXX and XXXX data breaches, and I have recently discovered that your company is also disclosing my non-public information to an unaffiliated third party. This unauthorized sharing not only exacerbates the risk to my personal security but also constitutes a violation of 15 U.S. Code 6802, which mandates the protection of consumer information by financial institutions. I urge you to address this issue promptly and ensure that my data is handled in full compliance with the relevant privacy laws. XXXX, XXXX and Transunion XXXX not have my permission to use my copyrighted name. They are infringing on my copyrighted name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 
15 USC 1681 Section 602 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 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: Debt collection

In 2013 I applied for a XXXX XXXX XXXX from XXXX XXXX. The limit was {$300.00}. I called and told them my card was lost and I needed a replacement. I never recieved it so I didn't think twice about it until years later this portfolio recovery company was calling me and my mother and sending letter. I disputed it at that time. They denied my dispute. I even filed an identity theft claim with the ftc. My ex- roommate stole my identity. Now it's 10 years later and it's still giving me a low credit score!
Product: Checking or savings account

Back in XX/XX/2020 I received a phone call from regions bank. They asked me to come in and verify my identity. I explain to them that I wont be able to verify my identity until I get my drivers license which was a month away. Fast forward to XX/XX/2020 I went inside the branch located in XXXX XXXX. The financial banker XXXX XXXX told me they just needed to verify identity. Keep in mind that I have an existing account with Regions Bank already. The banker told me that everything was gon na be fine and that my account was it going to be on hold. A few hours later they froze my account saying that they needed to investigate it. Because I have two accounts which I am allowed to have two accounts. They are saying that one account had the wrong social on it. Keep in mind that I have two businesses and 2 I EIN numbers along with my social so I mustve been one number off. Regardless of that Regions still open the account so that wasnt my fault. The banker try to associate me with criminal intentions by making statements like the FBI was going to get involved and things like that. It didnt make any sense to me because I came in there and provided a lease and drivers license regardless of one number being off I still am the person that opened the account. I believe that I was discriminated against because as soon as I came in and they saw someone other than thats when they froze my account. I will be filing discrimination charges against this bank. The bank itself told me that they were going to have my account on hold for months while they investigate they caused me to miss an important XXXX date that I had because I dont have access to my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on three occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only XXXX of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all XXXX of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
Product: Vehicle loan or lease

I have a car loan with Huntington Bank. They make the process of setting up auto draft incredibly difficult. This is obviously in effort to collect more late fees. They would not let me setup auto draft online or over the phone. I made an error in entering my checking account number when doing the physical paperwork. Rather than calling, emailing, or even mailing me a notification they just let my payment be late and charged a fee. After several phone calls and trying to get auto draft setup, it still is not setup. Theres alway a technicality in why I cant setup autopay. Now, I paid my balance on XX/XX/XXXX Im full. My payment is due today ( XX/XX/XXXX ) and there is another late fee for no reason at all. The late fee stops me from setting up auto draft. Most importantly, there should not be a late fee. My payment is not late. Now I have to call the bank again to get the late fee remove. The lack of options for making online or recurring payments is unacceptable with technology today. Activity on the monthly statement does not match the activity on my account history on the mobile app. Huntington Bank is deliberately making this difficult in order to extract unjustified late fees from consumers.
Product: Mortgage

Previous complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> I recently sent in the following complaint : I pay a total of {$1300.00} in property taxes ( {$660.00} due in XXXX and {$660.00} due in XXXX ) and {$2000.00} for property insurance ( {$3300.00} combined ) per year. My current escrow on XX/XX/year> is over {$8500.00}, and the company continues to collect {$710.00} each month, {$8500.00} annually. 

In response, I received the following message : This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

This response is nonsense. Attached is the statement I receive from NewRez each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continually lowers my XXXX score by mis rating and connecting a Gran9te State Management Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney
Product: Mortgage

I reached out to Mr. Cooper customer service to request their process of getting my PMI Removed. Upon speaking with a representative they informed me that I needed to pay XXXX for an assessment which I did. The evaluation was not provided to me until i reached out and was riddled with errors to which the next representative I spoke with stated that I should have completed the full appraisal which I informed her that I had not been given that option and if I had, I would have pursued that route as my property is unique in nature. I asked that I be refunded the XXXX I paid and would have like to move forward with the full appraisal. She stated she would discuss with her manager and have them reach back out to me, but I was never contacted. I reached out again to discuss the same issue but was offered the ability to dispute their evaluation and that a manager would call me back to discuss my original issue, but I have not heard back.
Product: Debt collection

I reached out IQ data international and disputed an amount of XXXX $ via phone call and email yet they reported on my credit report. I was threatened with the debt being reported on my credit report if I decided to dispute the amount. There were multiple emails from the property management of XXXX as well on this issue and IQ never responded to the emails. The debt is now reported on my credit report with out any further notice to me. Attached are the final account statement and the XXXX transaction showing the amount paid as the final account statement.
Product: Credit reporting or other personal consumer reports

XX/XX/year> ALL THESE ILLEGAL INQUIRIES WERE MADE UNDER AN ADDRESS THAT IS NOT ON MY FILE. PLEASE REMOVE THESE ASAP! 

**I HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY TRANSUNION, XXXX, AND XXXX. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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

According to 15 U.S.C 1681 section 602 A. states that I have the right to privacy! Also 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The following accounts have violated my rights : XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX