23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Diversified consultant is the name ( DCI ) I had them taken off my XXXX   report, but all they did on my XXXX was change the name and date.they were under XXXX XXXX. In XX/XX/XXXX my son stayed at my house and had either XXXX/XXXX iam not sure because they changed there name on my credit file.it was never in my name it was in XXXX cone.after I had it removed it shows back on my credit report as a new connection inXX/XX/XXXX.iam like OMG this is so crazy to be able to do this to someone. Please look into this company because it has to be fraud.thank for any help I've tried for montha
Product: Vehicle loan or lease

XX/XX/XXXX BMO BANK took XXXX payments out of my checking account for my auto loan and they will not give me the money back despite my calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount is {$650.00}. They never mailed the refund nor did they deposit electronically. Each time I called I was transferred to a resolution XXXX who promised that they would help and that they would refund the {$650.00} to me but it never happened. I have made multiple phone calls and never has anyone offered to overnight the check or electronically refund the money at all. Currently I am out {$650.00}.
Product: Mortgage

I purchased this property in XX/XX/XXXX, and at the beginning of XXXX, my monthly mortgage payment began increasing due to lender-placed insurance being added to my escrow account. Over time, my payment continued to rise until it reached {$1900.00} per month, even though my mortgage is only {$150000.00}. This increase has caused significant financial hardship, forcing me to work excessive overtime just to stay afloat. 

U.S. Bank never provided proper notification before adding this forced insurance, which I believe violates RESPA regulations requiring a 45-day notice and a 15-day follow-up before applying charges. I was not given the opportunity to secure my own insurance before U.S. Bank applied theirs. 

When I became aware that lender-placed insurance was the cause, I contacted U.S. Bank and requested proof that they properly notified me before adding this charge, a full escrow analysis explaining the increase, a cost breakdown of the forced insurance, and options to remove it and restore my lower mortgage payment. As of filing this complaint, I have not received a response. 

I am requesting that U.S. Bank remove the lender-placed insurance, allow me to provide my own insurance policy, and issue a full escrow review to determine if I have overpaid due to their actions. I also request reimbursement or credit for any excessive charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 usc 1618 section 602 states I have the right to privacy.

15 usc 1618 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 customer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIZENS ONE AUTO F, on XX/XX/2020, XXXX  XXXX  and XXXX XXXX XX/XX/XXXXS add a hard inquiry. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and reviewed my credit reports from all 3 credit bureaus. I found that all 3 credit bureaus are reporting my car loan balance to be incorrect. I contacted my loan company and we both verified what the correct balance should be. I disputed the inaccurate information twice and twice the credit bureaus are not updating my consumer credit reports with the correct information.

All 3 credit bureaus are reporting that my Exeter Finance balance is {$27000.00}. I contacted Exeter Finance by phone and the representative and I agree that the balance on my account is {$27000.00}
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights UNDER 15 U.S.C. 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account with out my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on an account under an open end consumer plan as late for any purpose.
Product: Credit card

HSBC Bank is reporting XXXX separate delinquent accounts on my credit report, as well as a collection account for XXXX of the same accounts. The delinquency is more than 7 years old. I have requested that these accounts be removed, but they continue to remain on my credit file.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America charged me XXXX dollar legal fee, because another company asked them for money for an account I owed on. They did not give this company any money. I myself called this third party and paid by bill. Bank of America still will not Ive me back the XXXX dollars when their legal service did nothing to solve this matter. They did not pay them any money.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account online with Wells Fargo Bank and transferred {$500.00} from my account at XXXX  XXXX XXXX. On XX/XX/XXXX, I received an email from Wells Fargo Bank that they suspected identify fraud on my account and they were closing my account. The online transfer of the {$500.00} from my XXXX  XXXX XXXX account to Wells Fargo was completed on XX/XX/XXXX. I received a letter in the mail from Wells Fargo Bank that my account was being closed and that I would receive a check for the closing balance by XX/XX/XXXX. I have never received the {$500.00} back to my XXXX  XXXX XXXX account nor have I received a check from Wells Fargo Bank. 

I did have identity theft around XX/XX/XXXX, but it was not due to anything I did. 

I have spoken by telephone to two different people at Wells Fargo. Their response is they never received any funds into my account. I believe that the account was closed prior to Wells Fargo receiving the funds from XXXX  XXXX XXXX. Wells Fargo has told me they opened a claim but I have received no response from them.
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX for allowing fraudulent inquiries and fraudulent information on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate information are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX.
Product: Credit card or prepaid card

This is about Amex Platnum Credit Card. 

1. XX/XX/XXXX Annual Fee XXXX posted and paid. 
2. XX/XX/XXXX Request to cancel this card. However, the retention team tries to convince me to think more about it. 
3. XX/XX/XXXX After carefully think about it, I still decide to call to cancel the card. ( online chat ) 4. After a long chat, the card was canceled. However, they said that the Annual fee that was charged for XXXX will not be refunded due to Amex 's internal reasons. 
( Yes. The customer here was misled to pay the full annual fee but receive no service ) 5. Given that Amex will not refund, I there made an informed decision that I will be happy to keep using the card. 
6. However, Amex declines to provide service based on paid annual fees on this credit card. 

This case ends up with two facts ( 1 ) {$550.00} annual fee paid for XXXX was received by Amex and Amex declines to refund due to internal reason. ( 2 ) The use of credit cards for XXXX was also declined by Amex due to internal reasons. 

This obvious conflict was confirmed by the Amex customer service team as a picture, but they admit they can't do anything regarding this obvious conflict. I hope CFPB can moderate this unintended result.
Product: Mortgage

LoanCare is reporting late fees on my credit report when the account is already paid and closed. With the 15 USC 1681 Section 602 States I have the rights 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 a open end consumer credit plan as late for any purpose.
Product: Mortgage

I attempted to pay my XXXX mortgage payment on the Dovenmuehle website as I have always done. I received a message that I was unable to complete my payment at that time. After several attempts with the same error message. Dovenmuehle does not accept phone calls. I reached out to Dovenmuehle on XX/XX/XXXX on their secure message center regarding the situation. As of today XX/XX/XXXX, my message has not been answered. 
My concern was that I was unknowingly placed in a forbearance status after simply inquiring about it. I did not sign the agreement received in the mail because the wording was ambiguous to say the least and I was unable to reach anyone by phone for clarification. 

A check of my credit report shows my mortgage balance increased, which has impacted my credit score. Finally, I received a letter today notifying me that my mortgage is being transferred to another bank after it acquired my loan from the original bank I refinanced through. 

I want answers to the questions raised and have yet to be answered. Why was my account blocked from making online payments when this is the only payment method Ive used? Was my mortgage placed in a forbearance status without my consent, and despite not missing any payments? Why was inaccurate balance information reported to the credit bureau?
Product: Debt collection

I receive this collection on XX/XX/2018, saying that I owed a phone debt in North Carolina ( XXXX XXXX XXXX ) of {$580.00}. Because I am a victim of identity theft, criminals use their own phone and address to receive information, therefore, I haven't received any phone calls or mail saying that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian XXXX XXXX XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXXXXXX XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX
Product: Mortgage

First I went onto their website to do an online application. The system stopped me and kept saying to finish the application with a home loan expert by chatting or calling. I chatted with them today and XXXX XXXX walked me through starting a new application. My chat ended with her and then I ran into the same problem of their system telling me to finish the process with a home loan expert. XXXX XXXX told me to contact a XXXX. I did that. I emailed him. But then I recalled an email telling me to contact XXXX XXXX. I did that. I told them, " Good afternoon. The other day when I spoke to you, you said I had a dispute on my account preventing you from processing my application. 

I do not have a dispute on my account and I confirmed that with the credit bureaus. Can you please process my application. '' I took a certified HUD counseling class. I am working with the HUD certified counselor and my action plan says I had nothing stopping me from moving forward with purchasing a home. In my action plan, it tells me to get three preapproval letters from 3 different lenders. Rocket Mortgage is purposely delaying the process.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled DEPT OF ED/AIDVANTAGE Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX XXXX XXXX with the original creditor as XXXX. I have never had XXXX service in my name, or even signed up for any service with them. 

I also noticed a revolving credit loan from XXXX XXXX XXXX XXXX XXXX  have never heard of this company, and the account does not belong to me.
Product: Credit card

In an effort to improve my credit, I requested a credit limit increase from each of the companies with whom I have a credit card account. All, with the exception of Bank of America, pulled a soft credit inquiry to make a decision, while Bank of America pulled a hard credit inquiry. While I realize they have the ability to access my credit, they should be required to advise all of their customers who are requesting a credit increase of the type of credit inquiry they intend to pull. I submitted my request online, and at no point did they inform me of this information. Had I been informed, I would have declined to continue. Their lack of informing their customer resulted in a XXXX point decrease in my credit score. They should be obligated to educate their customers on their process prior to pulling a customer 's credit, which may negatively impact them.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 telephone call to Equifax customer service requesting on-line access to my ENTIRE Equifax credit report through the XXXX XXXX. Equifax representative helped gain on-line access to through the Equifax website only, but I was repeatedly unable to tunnel through the XXXX XXXX to get my ENTIRE Equifax credit report in one download or via one print out as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from SyncB on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. 

I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. 

No response.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$19000.00} XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has lowered my credit score by at least 7 points fraudulently. The reason give they said my account - XXXX XXXX had been closed which negatively impacted my credit score. My account XXXX XXXX is open and in good standing. This is not the first time my credit score has been negatively impacted by incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof that experian deleted XXXX XXXX on XX/XX/2021 then experian put it back on my credit report and now I cant dispute it. I have been trying to dispute it for years
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX, XXXX. I have been getting several calls during the day about an HSBC Credit Card ending in XXXX opened in XXXX for the amt of {$2700.00}. I am now getting threaten voicemails. I have no knowledge of this credit card nor have I received any documents in the mail. XX/XX/XXXX I sent a validation of debt letter. I have received calls the following people. 
XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX using my moms name to get to me. XXXX XX/XX/XXXX XXXX from XXXX XXXX Processor Office said that court has filed documents under case number XXXX. I called XXXX XXXX they had nothing filed under that number or my name.