23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my insurance agency sent a Letter of Confirmation of Coverage and a Binder to my mortgage company, Hancock Whitney bank, requesting payment to XXXX XXXX XXXX for a new insurance policy. Payment in the amount of {$4400.00} was again requested by my insurance agency to be overnighted to XXXX  XXXX on XX/XX/XXXX. There was no contact between XXXX XXXX and either myself or my insurance agency from XX/XX/XXXX to the afternoon of XX/XX/XXXX ( Friday ), when Hancock Whitney notified my insurance agency that it needed a Declarations Page/invoice and a verbal agreement from me to pay the insurance. By that time, the property insurance policy had lapsed, and I was uninsured due to XXXXancock Whitney 's failure to pay the insurance premium. On XX/XX/XXXX, Louisiana 's insurance rates were raised 60 % or more, and now the same policy I had received for {$4400.00} is {$10000.00}. 

Neither my insurance agent nor myself were contacted once between XX/XX/XXXX and XX/XX/XXXX that Hancock Whitney needed a Declarations Page/invoice or verbal approval from me in order for Hancock Whitney to pay my insurance premium. Hancock Whitney has admitted as much, and has admitted that it is their fault that the insurance was not paid. However, I have been told that I have no recourse, and I am now left responsible for the {$6000.00} increase in my insurance due to their fault. This is gross negligence on their part, and a clear violation of 12 C.F.R. 1024.17.
Product: Credit card or prepaid card

I kept on requesting a credit line increase on my Capital One XXXX card. I was continually getting declined stating {$5.00} balance to high. Requested another Capital One Card this time Quicksilver. Was approved & then sent feedback expressing my concerns about having to charge me $ XXXX yearly fees to open up a new card when all they had to do was grant me the credit line increase. The company went and restricted my new account and is preventing me from paying any additional payments on it. I feel being retaliated against because of mentioned unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.
Product: Debt collection

I have been issued a writ of garnishment for a debt under a previous name ( I was married in XXXX ) that was assigned to a bank account I had in XXXX. I filed for bankruptcy in XXXX. I do not recognize the debtor, XXXX XXXX XXXX XXXX and have received a second notice of garnishment, this time for a bank account I opened in for my incorporated business. The original debt listed was for {$1100.00} and the garnishment order is for {$3300.00} This debt is not listed on my credit report, and I have no way to know what it is for without engaging the collection agency and reopening the statute of limitations.
Product: Credit reporting or other personal consumer reports

Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. XXXX reports date open XXXX. Transunion reports date open XXXX. XXXX states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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
Product: Mortgage

I had a complaint # XXXX. It has been closed but the issues have not been resolved, nor did I ever hear from anyone. I have a police report. Wells Fargo sent me keys to access my townhouse, but there is no keyhole to put the key in. The front door is sealed without key access. I still have things in the house, and they are aware of this. They leave messages that say, " I have resolved the issue. '' and then close the issue but they never speak to me nor do they resolve the issue. I have lost my XXXX license because I have tax information in the house that was stolen when they changed my locks and the rest is now locked in the house.
Product: Vehicle loan or lease

I receive bills stating a late fee will be assessed immediately after the due date. I have recently been have an issue related to the keyless remote which can be a fraudent call to XXXX to have the vehicle key disabled. I am working with XXXX XXXX XXXX to schedule an appointment for a diagnostic evaluation. I have to use XXXX to have the vehicle possibly towed from the garage. 
The financial burden for the repair and incident is not appreciated based my other financial obligations.
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 ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.
Product: Consumer Loan

i have car loan that i did not sign for and i asks for validation but never received
Product: Credit reporting or other personal consumer reports

My mortgage has never been added to my credit report which has significantly negatively effected my credit score, which has caused higher interest rates on all of my credit cards and car loan. This has also caused difficulty in me securing loans and credit cards.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

I went through a divorce and fell behind several payments, tried to modify with Carrington Mortgage Services to see if they would help me out while I got back on my feet but the only thing I got was a payment increase along with my loan balance. No other solution was given to us and we are now a few days from loosing our home. My loan # XXXX and my " point of contact '' is XXXX XXXX
Product: Bank account or service

I called my bank to close out XXXX accounts. When they completed closing out the account they asked if i needed anything else. I told them i would like statement copies for the last year. The representative logged the request and asked there was anything else they could help with but never told me the cost. I was surprised to see XXXX had been taken from my account in XXXX different XXXX transactions. I called the day i saw the charges to see about refunding them. They acknowledged the fact that they did not give me the opportunity to decide about the amount and the account it should be taken from. However they said they could n't give me a full refund for the charges. This caused my overdraft protection to be charged which cost me another fee. They refused to refund that fee as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

Hello, I have a series of accounts that I want the bureaus to investigate and correct from my credit report. I have sent notifications to the creditors and they have not responded to me either, except for one. I would like to know what is happening that my process does not advance. 

Experian has only been in charge of sending emails saying that they received my letters but that they will not investigate, which I find unfair and very unethical on their part
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XXXX XXXX I called the company around XXXX. I spoke to a guy XXXX XXXX XXXX stated I believe I was a victim of some type of inquiry issues. XXXX would not help me with the matter that was at hand. I have XXXX hard inquiries on my report and I 'm only knowledgeable of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with XXXX  and they only removed one. All 3 accounts were fraudulently opened. 

Bank of America {$690.00} ( Suspected Fraud Activity ) Bank of America {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED
Product: Credit reporting or other personal consumer reports

I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit card or prepaid card

Capital one quick silver card I had since 3 years and was using without problem ; but to my surprise recently XXXX & XX/XX/2023 there was {$33.00} & {$31.00} interest charges @ 29 %. I was out of country and didn't check the statements. I called cust service even the supervisor but very disappointed and looks they don't care for good customer service- denied to credit any of the interest charge even I made statement bal pmt of {$1400.00}. Never had this problem with other cards. XXXX is best in cust service and XXXX cards are good for when you have a request to credit either interest or late fee charges. 

So for me capital one first time interaction with this was not good and totally bad customer service. Will cancel my card and will never get in future.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX 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 anxiety. 

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 anxiety 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: Vehicle loan or lease

Wells Fargo Dealer services had my car repossessed on XXXX XX/XX/19 at XXXX. I woke up to a banging on my door at XXXX regarding my car. I was told I needed to hand over my keys by a large man maybe 3x my size. I asked if he could wait and that i needed to cal Wells Fargo and he said no. He said my car popped up on the registry 30 minutes ago and if they didnt pick it up someone else would. At this point, a few of my neighbors were in the hallway because of the noise. I get my keys to go downstairs to see my car on a tow truck. I live in a small building with 8 apartments and a private garage for the residents of the building so they forced themselves in because no one would have let them in. The guy said they made a lot of noise getting my car out. Before I could hand over the keys, the guy took my car key out of my hands. I asked where the car was going and he said just pay the bank what you owe to find out. They refused to give any paperwork or talk to me further. I filed a complained with the office of president affairs the same day ( XX/XX/19 ) regarding this unlawful possession and they still have yet to follow up. They have said that if the repo company says they didnt do it they will take their word. I sent Wells Fargo pictures of my garage which show it isnt open and the repo company said they were let in by someone which is false. I have spoken to Wells Fargo multiple times a day each day to follow up on this case and there is no resolution at this point. I have made the payments to get my car back and still dont have it because they delayed the processing and the repo company would not offer times for me to pick it up today. I now have to wait till Monday and call same day to pick it up
Product: Mortgage

In XXXX, Dovenmuehle Mortgage company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ) overpaid my property taxes by about {$620.00}. I put in a request with my local revenue department to receive a reimbursement check for the overpayment. By the time the reimbursement was processed and sent to Dovenmuehle, my mortgage was transferred to a different mortgage company ( XXXX XXXX ). As of XX/XX/XXXX, my new mortgage company has still not received the check of {$620.00} which Dovenmuehle and my local revenue department have both confirmed Dovenmuehle cashed in XX/XX/XXXX. I have called Dovenmuehle three times, each time waiting on hold for several hours at a time. Dovenmuehle customer service supervisors are unable to resolve this issue which is complicated by the fact that my account has been closed, and they are unable to give me a time frame in which they will resolve this issue. Dovenmuehle is withholding {$620.00} worth of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATION/XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : XXXX ; DEPT OF EDUCATION/XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {XXXX} ; DEPT OF EDUCATIONXXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : XXXX} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : XXXX} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX.
Product: Debt collection

They have been calling me at LEAST 3 x 's a day, every single day. Always from a different number that I haven't already blocked. I do not owe this debt, because it has already been paid by me directly to the original creditor. The original creditor has failed to issue a statement of paid in full, closed account. Original creditor left it on my credit report with the status of " charge off ''. My voicemail box has been completely full for the past 2 months. All of the messages are from them and them alone. They are trying to force me to pay the debt that i ALREADY PAID to the original creditor ... ..now to them as well. I'm not going to pay this debt twice.
Product: Debt collection

XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called Tempoe , LLC. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from XXXX XXXX XXXX. XXXX XXXX XXXX has reported to the credit agencies, and now I have to fix this. XXXX XXXX XXXX claim that they sent over the " loan documents '' via email. These documents were never recieved. XXXX XXXX XXXX claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by Tempoe , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXk XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on my XXXX Reports : XXXX XXXX XX/XX/2022 XACTUS XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Unauthorized Inquiries on my XXXX Reports : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022 CREDIT PLUS ( Miscellaneous ) XX/XX/2022 XXXX
Product: Payday loan, title loan, or personal loan

NetCredit was NOT licensed to do business in Virginia ( where I reside ) Therefore, in accordance with VA law, my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law and offered a loan with an illegal interest rate. I have sent emails to them, as well as replied to multiple emails from them, explaining that the Commonwealth of Virginia sued them and WON, because they were found guilty of illegal loans and violating the laws here, therefore making my loan null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report I sending is about the fraud accounts I found on my credit file.
Product: Credit reporting or other personal consumer reports

In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. 
ACXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

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

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

citibank, na, XXXX XXXX sd, ( bank for my XXXX  XXXX  card ) sent me a notice that my account was past due. it was reported with the high balance to XXXX  that included exorbitant fees. i had paid. I sent the canceled check. they argued and did not credit and kept threatening that i had not paid. XXXX  did not remove the high balance and my credit score went down. I disputed with XXXX, bank card said they did not have any information in letter format and that I needed to write them a letter. no.
Product: Credit reporting or other personal consumer reports

I did not authorize any companies to use my information or run my credit. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has outdated information and per fcra any inaccurate information needs to be deleted immediately. I'm not trying to verify but validate the validity of its claims. I need proof where I am obligated to their claims. Untill then reporting otherwise is considered fraud. XXXX XXXX XXXXXXXX XXXX report need validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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