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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX {$720.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$250.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$6700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$920.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$520.00} Open Date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a single vehicle history report and its PDF version from XXXX for a total of {$2.00} ( {$1.00} for the report and {$1.00} for the PDF ). Despite this, I was charged {$29.00} twice for a subscription I never agreed to, on XX/XX/year>, and XX/XX/year>. 

The vehicle history reports provided by XXXX are fraudulent, as they are randomly generated and do not provide actual vehicle data. I have attached a screenshot of my transaction history showing these charges. 

I contacted PayPal to dispute the charges, providing evidence from multiple reputable sources, including the XXXX XXXX XXXX XXXX XXXX  ), XXXX, and XXXX, all of which highlight similar fraudulent practices by XXXX. Despite this, PayPal denied my claim, citing consistent IP address activity as the reason. This does not address the fraudulent nature of the charges.
Product: Vehicle loan or lease

After filing bankruptcy, the car loan company made an inquiry on my credit report on XX/XX/2019. This will negatively impact my future chances even further at obtaining new credit. XXXX continuously calls me and everyone I listed as a reference on my auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant dispute it online, I tried calling and because my phone doesnt have the picture quality they want they wont take the old useless information off. That is keeping me from accomplishing my goal. Experian is not playing nice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i see that there are some hard inquiries ... I am in the process of trying to purchase a home so I am formerly requesting that all hard inquiries are removed from credit reporting agencies that are not linked to any open accounts including but not limited too XXXX, XXXX, TransUnion etc. I need these removed as soon as possible being that it is hindering me from what I need to get done. Also there are a lot of addresses that are being reported that I have no connection to I would like for those to be removed also Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CRA 's have not updated my balances for my XXXX account in months my balance is {$0.00} 's yet TRANSUNION XXXX AND XXXX  are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX  KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!
Product: Debt collection

Told them that we did not owe and had went to court and this was dismissed by the landlord we also sent a copy of the dismissal and asked them to validate this did not receive anything and this collection went on my credit report
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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, credit repair services, or other personal consumer reports

I have been trying to get an auto loan removed/deleted off my credit report for months. I've had XXXX issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.
Product: Payday loan, title loan, or personal loan

I took a loan out on XX/XX/2022 for {$840.00} and was told my interest rate but with the payments that they are taking out, was told the fee would be xx.xx and only {$10.00} was taken for principle amount. They have excessively charged fees that I was not told of and the total amount of " fees '' I have paid to this date is almost ten times the amount of what I borrow. I did call to request a fee reduction since I have made my payments on time each and every week. Yes, this is a weekly fee amount and I will never be able to pay this off with the highest rate of fees I have seen. It is more that what was stated in the contract and now the principle balance has hardly reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/2022
Product: Mortgage

Dear CFPB, I am writing to file a formal complaint against BSI Financial Services regarding their failure to respond to my inquiries regarding an escrow overage check. I believe this matter requires your attention and intervention. 

Details of the complaint : Loan Account Information : Name : XXXX XXXX Loan Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of the Complaint : I have been attempting to contact BSI Financial Services regarding an escrow overage check that I am entitled to receive. Despite multiple attempts via phone calls, emails, and written correspondence, I have not received any response from BSI Financial Services. The lack of communication is causing significant frustration and concern. 

Desired Resolution : I kindly request the CFPB to investigate this matter and facilitate communication between myself and BSI Financial Services. I expect a prompt response from BSI Financial Services regarding the status of the escrow overage check and a resolution to this issue. 

I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me. I trust that the CFPB will assist in resolving this issue and ensuring fair and ethical business practices.
Product: Credit card

Someone used my information to open an account and credit card with capital one but capital one did not tell me the address of the individual or how they opened it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax Credit Reporting Agency. Fraudulent transactions appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated these fraudulent accounts and what proof they collected since no one had proof of the account. They never responded or provided proof. Ive been disputing for almost 6 months. I requested this information from Equifax a total of four times. So I wrote a letters to the collection agencies and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew they werent mine, At this point since they cant provide proof I request immediate deletion. Equifax has claimed to open several new reinvestigations yet nothing has been done. Equifax has not followed the laws in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX  XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview  Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX  XXXX Bankruptcy XXXX XXXX XXXX  Amount 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 an account without my written instructions.
Product: Credit card or prepaid card

Credit report shows I opened a account through Barclays you promise XXXX that I did not apply for and was approved for {$20000.00} I called the company they said they couldnt close the account because someone filed for a lost or stolen credit card I have frozen my credit but Barclays opened another account under XXXX and there security team said they cant stop whoever it is from opening up more automatically that I would have to call them every day
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in 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 XXXX XXXX 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

Credit Services International in XXXXXXXX XXXX raised the amount that I owed them by {$9.00} after it being on my credit for a couple of years, reducing my credit by XXXX points
Product: Mortgage

In XXXX/XX/XX/2021, I re-financed my my home mortgage. When the refinanced closed, XXXX XXXX  listed the mortgage as " closed. '' It was not stipulated that the loan was paid and closed in good standing. As a result of the closed phrasing, my credit score went down several points. I called XXXX XXXX  to tell them they neglected to accurately categorize the note to the credit reporting agencies. XXXX XXXX  said they'd go back and note the account was " paid in full and closed by customer. '' However, when XXXX XXXX  reported to the credit agencies, they again noted the account was " closed. '' As a result, my credit report took another hit and went decreased further ( went down 10 points -- XX/XX/XXXX ). I called XXXX XXXX  back again and again complained. On the 3rd occasion, they did contact the reporting bureaus and accurately disclosed the account was paid and closed. 
However, as a result of XXXX XXXX  's categorization of my refinance, the my credit score went down over 20 points with the credit reporting bureaus through no fault of my own.
Product: Credit reporting or other personal consumer reports

Re : Loan # XXXX Freedom Mortgage/Homebridge Mortgage On XX/XX/XXXX, I submitted an initial mortgage payment to XXXX XXXX in the required amount of {$2900.00}. This was the first payment due under the mortgage and was due on XX/XX/XXXX. A copy of my statement confirming the payment is attached. 

On XX/XX/XXXX, I received a letter from Freedom Mortgage advising they purchased the above mortgage form XXXX. 

Since that time, Freedom has incorrectly alleged I did not pay the initial payment of {$2900.00}. As such, they have incorrectly reported late payments on my credit report going back to XXXX. I have written to Freedom in XXXX, XXXX, and XXXX advising them of their error. They have taken no action to correct their error and have continued to incorrectly report the mortgage in arrears to the credit bureaus. I have 4 plus years of bank statements demonstrating every single monthly payment was made timely. I have now been denied a loan on an investment property and have had to pay substantially increased loan rates as a direct result of this error.

This has gone on for four years. That a financial institution can cause so much damage to someone and be free to operate normally is an absolute crime. I am providing the Company 15 days to resolve this amicably prior to filing an Order to Show Cause seeking an Order that the mortgage under loan # XXXX be deemed fully satisfied as a result of Freedom 's continued error and relieving me of any further responsibility under the Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my most recent report with Experian, it still contains an employer I have never worked at. and two address I have never had or lived at. I have tried multiple times to correct this issue with them directly as an error could have just been a mistake, but now it appears to be negligence, and a malicious attempt to sabotage the integrity of my report, and my identity. 
A resolution has been attempted via mail, and has been ongoing for the better part of three years, but they appear to be okay with posting information from the identity theft issue that I dealt/dealing with, without any regard from them. 
I have sent them at least on letter every 30-45 days with no action on their part to remove the incorrect information, or verify that I have in fact lived at those addresses or that I worked at XXXX 
XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal.

I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience.

As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction.

I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward.

Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00}
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to formally dispute inaccurate late payment information that is currently being reported on my credit file. Specifically, I am disputing the following accounts : XXXX XXXX ( XXXX ) Late Payments : XXXX ( XXXX ) Should be updated to positive XXXX ( XXXX ) Should be updated to positive XXXX ( XXXX, XXXX, XXXX ) Should be updated to positive XXXX XXXX Bank ( XXXX ) Late Payments:XXXX  ( XXXX ) Should be updated to positive XXXX ( XXXX, and XXXX ) Should be updated to positive These accounts have been reported with late payments that I believe to be inaccurate. Under 15 U.S.C. 1666n of the Fair Credit Billing Act, I am exercising my right to dispute this information and request that you promptly investigate these entries. 

As per the law, I am requesting that you provide documentation substantiating the late payments reported on these accounts. If you are unable to provide proof of these late payments, I request that the information be removed from my credit report. 

According to 15 U.S.C. 1666n, I am formally notifying you of the billing error and request that you investigate the matter and take the appropriate corrective action. Please inform me of the results of your investigation within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). 

For your reference, I have enclosed a copy of my credit report, highlighting the disputed items. Should you require further information, please feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX, I used mobile deposit to deposit a check in the amount of XXXX from XXXX XXXX check number XXXX. On XX/XX/XXXX, I spoke to a XXXX over the phone that funds would be available on XX/XX/24. I also chatted with a rep and in writing was provided with a deposit date of XX/XX/24 as well. 

On XX/XX/24, I received a message stating that my deposit is taking longer because the have information that the check will not be paid. 

Once again we are talking about a check from XXXX investments with assets of XXXX XXXX dollars. 

I tried to escalate but that has been fruitless and I have not been provided as to why Ally believes this check may not be paid. 

I worry that Ally is not financially solvent enough to provide the funds and has stolen my deposit.
Product: Credit card or prepaid card

On XX/XX/2020, I attempted to withdraw cash from my Bank of America prepaid card issued for the EDD for California unemployment benefits. My withdrawal kept getting canceled at the ATM, with no further information. I then tried using the card at multiple point of sale terminals, with each transaction getting declined. 

I tried logging into Bank of America online account, only to be told that my " security information was invalid '', with no further information given. 

When I called the number on my card, the only message given to me was an automated message stating that my account had been closed. 

When I finally spoke to a live person on XX/XX/2020, I was told that my account was not closed but had a hold placed on the account for suspected fraud. 

I was then told that the only way I could fix the issue was to call a specific department at XXXX. 

I have been calling this number for multiple days, each time being on hold for 4+ hours, only to eventually be disconnected. This is the only income I have and my rent is now late. Nobody at bank of America is able to assist me in accessing my money or even answering my calls to resolve the issue. 

I also want to note that I was never contacted via any method ( call, email, or text ) warning my that my account has suspicious activity or was being put on hold. They simply locked all access to the account.