23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

BMO Harris Bank is reporting incorrect late fees/ missing payments to my consumer credit report claiming Im a month behind for XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 
I spoke to a supervisor and that supervisor told me was an error in their system. 
Same situation happens for several months in XXXX went I actually asked for an extension under Cares act during XXXX pandemic And they reported a late payment on XXXX XXXX when I notified it to them I was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I try to work with BMO Harris but the Dispute Department told me that they dont care and the late fees will show on my credit for 7 years. 
I spend 3 hours trying to connect with someone on the phone, costumer service personal was aggressive and extremely unprofessional, this is hurting my creditworthiness, and affecting me and my kids.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to use my USBank XXXX card, only to discover that it was cancelled. During a conversation with the US Bank representative, it was explained to me that there was a request to cancel the card due to allegedly our move to Texas from Minnesota and a new card was requested to an address in Texas. According to the representative, the request was placed on XX/XX/2022. We, obviously, did not move anywhere. The information given to the US Bank was fraudulent. We were never contacted by USBank and, according to the representative, a new card was issued and sent to the Texas address. The representative would not give us the Texas address. We requested to immediately cancel the fraudulent card and notify us and verify with us, in case any address changes or any other changes on our credit account are done by anybody in the future. We have not received our XXXX statement, so we do not know if any fraudulent charges have been made in our name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. The complaint I'm referring to includes complaint number XXXX, XXXX, and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.
Product: Debt collection

{$280.00} it was supposedly open XX/XX/year> never did that. 
XXXX XXXX  sent letters and they responded they couldn't find anything in my account and sent a letter asking for information they should already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had went to XXXX XXXX XXXX in XXXX XXXX, New Mexico on XX/XX/2014 for medical needs. I was then married and had XXXX XXXX ( Military Insurance ). I provided the hospital with my ID card which also serves as my Insurance Card. I later received a bill and again provided them with my insurance information, as military insurance covers you 100 % as I lived outside of the military medical facility area. Since then I have received many debt collectors trying to collect on the bill and also provided them with my insurance information and disputed the account on my credit report and they state the information is true and correct and will not remove the account and did not bill my insurance company for the services and which have been covered 100 % by XXXX. I am no longer married and no longer hold my ID card or the insurance anymore. It is not my fault that they failed to bill the insurance company at the time of services and each time after of me providing them my insurance information. I had even contacted XXXX and submitted the bill after over a year of getting no where with the hospital or collection agencies and they state they had never received any bill from them. I can no longer access XXXX and want this removed from my credit report due to them failing to bill my insurance at the time and times there after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge my account.
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX.Account number : XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Mortgage

This complaint is for the Wells Fargo Class Action suit. I have requested the paperwork for the class action suit from CFPB twice and each time I was told it would be mailed to my home address which I gave to both of the employees and I never received. This complaint needs to be filed because Wells Fargo wrongfully stole our home at XXXX XXXX XXXX XXXX in XXXX, Nebraska. Ibought my home in XXXX and the original loan was with XXXX XXXX and they sold the mortgage loans to Wells Fargo. I had all my original receipts from XXXX XXXX and Wells Fargo right up to the date of the foreclosure. In XXXX I started receiving past due amounts on my monthly statement. I knew this was a mistake because they were showing XXXX months past due on my mortgage. I waited until the next month and sure enough the statement showed us XXXX months behind. My wife took the day off from work took the statements and all receipts to Wells Fargo at XXXX XXXX XXXX in XXXX spoke with a lady in mortgage dept laid statements and all receipts for the mortgage employee to see. After reviewing all of this she agreed our payments were up to date and to just ignore the figures on the statement ( this should have told me something right there ). We waited XXXX more months XXXX more statements and this time it was some ungodly amount approximately XXXX XXXX dollars when our mortgage was only XXXX XXXX and XXXX a month. My wife took another day off went to the Wells Fargo on XXXX XXXX again and spoke with a different employee, laid all the paperwork out and again the employee agreed we were up to date and assured my wife that it would be corrected. The following month new statement outrageous past due amount. This time my wife took all the paper work to the Wells Fargo main bank on XXXX XXXX and spoke with a lady by the name of XXXX XXXX in mortgage loans same thing she could not see a problem with our account and promised me it would be resolved by the next statement. It was never resolved and we started getting foreclosure letters. Afraid of losing our home we requested a loan modification and were turned down. In XXXX we came home to a lock on the door and a foreclosure notice taped to the window. I did contact Wells Fargo and asked why I didn't receive a letter and the guy put me on hold for about XXXX minutes came back to the phone and said " you weren't supposed to receive a letter. I am so sick of these lying crooks. I feel that they owe me monetary value for what they took from me. As far as all the statements and all my receipts Wells Fargo should know they were all in the house when the put the lock on the door and prevented us from ever entering again. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX and I'm the owner of a residential construction company named XXXX XXXX XXXX XXXX. I have been working on repairing my credit for two years now, but still unable to receive loans due to faulty reporting from Equifax, XXXX XXXX and XXXX. The agency are constantly reporting outdated information about my accounts and reacting to every negative change with large points deduction, but not the same for positive changes. Just last month my score dropped about 60 points because of my fault. I need to use my credit cards to keep my business going. By the end of the month I paid all of my bills down to about 10 % usage but because of that I was dropped again XXXX points from XXXX. My credit score last month was was at XXXX, but still unable to receive loans due to faulty reporting. As of today I have lost {$14000.00} in my business due to rental fees for a reliable vehicle. My previous truck transmission failed, so applied for a vehicle loan but my credit wasn't good enough. So I was forced to rent a XXXX from XXXX truck rental last XXXX at a rate of {$650.00} per week. As my credit score gone up I tried many different times to get a new or used vehicle to release me from the rental, because of old negative remarks on my credit and now new inquiries, I was unable to successfully secure a loan. This faulty reporting is causing me XXXX  of dollars that I need for my small business. It's not just stopping me from getting vehicle loans but also business loans because my business is XXXX years old so my credit used for the loan. 
Please let me know what I need to give you to prove my case, I have proof of everything. This is got ta stop and really exhausting and unfair treatment. I really feel like I'm being discriminate against because I talk to a lot of people about my situation and I have XXXX XXXX but still no change. 

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

After reviewing my XXXX reports, I noticed that some payments on an account, which I have always paid on time, are listed as late. Accurate reporting by consumer agencies is essential, and I need this information to be precise. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ Account XXXX : XXXX ]. I request a thorough investigation into these discrepancies and ask that you provide evidence, such as statements, showing these payments were late. If you can not provide such proof, please promptly update the records to reflect the payments as on-time, as I have consistently met my payment obligations.
Product: Credit card

Chase credit offers fraud protection.

I believe I was a victim of Fraud by deception.

Chase refused to honor my claim. 

The location is XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reported another customer with the same complaint. 

XXXX XXXX XXXX overcharged me in the first place the cost was supposed to be according to online after I checked was XXXX and they charged me XXXX. 

I contacted XXXX and the company told me it is was one on their private franchise. 
They were supposed to give me a call back and they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Om my equifax Credit report theirs 8 hard inquiries that are fraud please have equifax removed those hard inquiries I have a federal trade commission identity theft report on file social security number is XXXX
Product: Debt collection

I contacted CA on several occasions via certified returned receipt to validate the debt. The CA ignored my requests to verify but continue to report to CRA.
Product: Credit card or prepaid card

I sent my payment in time but they saying that they didnt receive and I have proof of payment from my bank. 
Have tried to work with them sending proof of payment but they keep on charging me plus late fee every month. 
Got a lawyer but still they refuse to work with me.
Product: Mortgage

Our mortgage with Truist ( XXXX XXXX XXXX XXXX ) should have been paid in full with our XX/XX/2021 auto draft payment of {$2100.00}, this would have included outstanding principal ( {$2000.00} ), interest ( {$6.00} ), and the {$16.00} fee to close the account. The payment was not taken. I called and spoke to XXXX ID # XXXX. He informed me that because the account balance fell below the outstanding principal amount that my account was placed on hold by XXXX XXXX and would not be lifted until XX/XX/XXXX. He told me no payment could be made to the account during this hold time. I told him I was concerned that they were putting my account on hold, not letting me pay the loan off and would then charge me interest and late fees. He repeatedly assured me that no fees or interest would be charged during the hold period. He told me I could call back on XX/XX/XXXX and they could process the payment at that time. I called back today, XX/XX/XXXX and spoke to XXXX and then the XXXX XXXX, a customer service team coach. They informed me the new payoff would include interest for the past week. They mentioned there were no notes by XXXX that there would be no interest or fees. XXXX said there was no such hold not he account and that they were not empowered to waive any interest or fees. She said both she and XXXX would provide feedback to XXXX ' supervisor. I mentioned that this is fraudulent and predatory - they stopped my automatic payment ( their disclosures stated I would have to stop the automatic payment or it would continue to be made even if it was greater than the outstanding balance ), and would not take a payment from me in order to continue charging me interest. XXXX said she would provide feedback to XXXX ' supervisor and ask her to pull the recording of the call to verify what XXXX had promised. Maybe this is a training issue but phone reps should not be providing false information, preventing customers from making payments so that more interest can be extracted. I understand that this involves a nominal amount of money, but this is a misleading and fraudulent practice allowing representatives to blatantly lie to customers to prevent the closure of a loan and induce additional interest. If this is happening for small amounts of money, chances are there are other similar practices affecting other consumers and involving larger amounts of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX  {$5600.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$5100.00} DATE : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$2400.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Product: Money transfer, virtual currency, or money service

I reported my cash card lost/stolen in XXXX.. after receiving my new card, I reported unauthorized transactions on my card that was canceled.. I pointed out specific transactions and a specific card number.. my complaint was ignored. Somehow the card is linked to my current account for direct deposit along with 4 authorized users that I did not approve. Cash app should be held accountable for all of the unauthorized transactions! I dont know how a card that was reported stolen can be reactivated! My security requests were ignored. I feel like I was discriminated against when I first complained and was laughed at saying there service was secure! I am canceling my account and advising everyone I know to do the same! Their services are not secure!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX  XXXX 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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX, XXXX  XXXX, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}.