23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : XXXX University XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX
Product: Credit card or prepaid card

The US Bank credit card account no XXXX is a fraudulent account. I never ordered this credit card and never charged anything on their either. I filed a FTC identity theft report reference # XXXX already. 
It appears some employees or officials of the US bank are involved in this identity theft through third party criminals or outside resources. Exact nature is unknown.
Product: Mortgage

I had a line of credit with citizens bank for 10 years my payment was {$980.00} a month the line of credit expired XX/XX/2017. I tried to extend it for 2 more years or tel I sell my home the bank never respond to me I try to contact them many ways never got any help and then the bank turned it to a 15 years mortgage without my signature and my payment jump to {$3700.00} a month. No way I can afford it. Also never send me any payment book or link it to my bank account. 
I told them that I work over seas I can't just leave and deal with this. I asked them to extend my line for some time so I can get my finances together. I was with them for more than 15 years never missed a payment. Now they are taking my house from me it is amater of no court.
Product: Mortgage

In XX/XX/XXXX I had applied for a loan modification because I had fallen behind on my mortgage. I had contacted my mortgage company PHH and told then that I've fallen behind on my payments due to an injury that I sustained and needed XXXX. This process dragged on for several months until I was told that my case has been closed. 

I had reapplied for the modification once again and the process is still pain staking. I've been asked to send in the same documents over and over again. The frustration has gotten even more once I've found out that one of the mortgage rep. lied to me and told me that I, had a completed modification package. This phone call had taken placed on XX/XX/XXXX at XXXX XXXX and lasted 27 minutes. The rep. told me several times " I am looking at your package and it's stamp complete so you have nothing to worry about. '' It wasn't until I've called back several days later to get an update that I was told that I did not have a completed package. If I would have known that I didn't have a complete package I would've made a payment. Now several days later I'm 90 days past due. To make matters worst It was confirmed on XX/XX/XXXX that I had a complete package. Today ( XX/XX/XXXX ) I've called again to check my status and was told that it's still under review and that can take up to 30 days. I was told that I would need to pay 90 days of payment now. I've asked the rep. that if my account is under review could I wait until the review is over. I was told I can depending if my house is not in foreclosure. It's my understanding that if the mortgage company have a complete modification package and the modification is under review, then the can not foreclose. 

" No foreclosure can be instituted until 120 days have passed from the first delinquency. More importantly, if a complete loan modification application has been submitted to the the servicer by the 120 day point, no foreclosure can be begun. Reg. X 1024.41 " Can someone help it's been a nightmare dealing with this company. They quote is " We're here to help home owner '' I can not see that
Product: Credit card

On XX/XX/2024 XXXX XXXX attempted to charge me {$190.00} for services I thought were cancelled because of my dissatisfaction with their product. XXXX XXXX placed the charge on a previously cancelled credit card. The previously cancelled card was cancelled because of unauthorized charges over a year ago. Instead of Capital One notifying the merchant the card was no good and to contact me, Capital One just moved the charge to my new credit card. This has happened on too many occasions and I am tired of it. I reported this to Capital One and was told they would cancel my card and issue a new one. I needed my card for vacation next week and was told I needed to pay {$16.00} for expedited services.
Product: Checking or savings account

my entire account number was stolen from a different device i spent 3 hours on the phone with security figuring everything out these people have my account in a over draft of XXXX and the disputes they are denying like im some theft as a consumer im demanding my funds and that these disputes get credited i dont care if they have to run the camera back someone put money in my account i call them to correct to let them know its not my money now they have me responsible
Product: Mortgage

This company lies, uses deceitful tactics and has poor customer service. They have overcharged my account for XXXX and XX/XX/2021 using the excuse that I did not have insurance for the house. I sent proof of insurance and they promised to refund the money. They promise that someone would call. No one ever did and I was forced to cancelled the automatic withdraws to avoid Fay from taking extra money from my account ( therefore causing NSF transactions. ) Now they are threatening with default and acceleration of my loan when in fact, they are the ones that provide zero information ( their web page is not working ) and customer service transfers the calls and disconnects. Now they have reported me to the credit bureaus causing my perfect score to drop 100 points. This company has to correct their wrong actions.
Product: Debt collection

I was called XX/XX/ at XXXX CT from ( XXXX ) XXXX by a women who said she was calling as the State 's Attorney and asked me to verify my social. I asked her to repeat where she was calling from and she said that I needed to verify the information she was asking and that she would not be providing me with any information until then. I asked her again where she was calling from and did so 2 more times before I asked if she said she said she was calling from the State 's Attorney. She told me if I would not respond she was hanging up and she did. I attempted to call the number back at XXXX CT and was placed in a queue, but the line disconnected. 

I want to emphasize that I clearly heard her say she was calling from the State 's Attorney and I thought it was weird because she did not end it in " Office '', which is why I wanted her to repeat it. This is a clear misrepresentation of who she is and I only found this company by looking up their number on XXXX. It's illegal and fraudulent to falsify calling from a governmental agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX DISCOVER BANK Account XXXX Company Name : Discover XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, 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 or other personal consumer reports

please check the information concerning to the equifax data breach below in the attachment
Product: Debt collection

Received letter from Atty., Arnold Scott Harris, alleging that I held negative ticket balances, pertaining to the XXXX XXXX XXXX-Department of Finance for parking tickets in amounts of {$34.00}. Mr. XXXX letter states administrative judgment. I am unknowing of any debts, I paid the XXXX XXXX  XXXX balance of {$1300.00} in XX/XX/XXXX for tickets issued through his office of XX/XX/XXXX. License reinstated in XX/XX/XXXX after final payment to his office through his representative. Fraudulent attempt from Mr. XXXX to collect for invalidity.
Product: Debt collection

I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. I then was told by the credit bureau to contact ability recovery services and they then send me a itemized bill which is not validation. I request for a copy of a contract bearing my signature and something showing that I have a contract with them.
Product: Vehicle loan or lease

On XX/XX/2018, I purchased a car for my daughter who had recently XXXX from XXXX XXXX with the intention of selling it to her within a couple of months after she was able to get her finances in order. I discussed this scenario with the loan officer as we were going through the closing documents which included the option to purchase GAP insurance which I had initially agreed to as we were going through all the closing documents. As I continued to go through the stack of documents, the loan officer, my daughter and I chatted about me selling my car to my daughter within the next XXXX months. The loan XXXX then advised me that the GAP insurance would not be transferable to my daughter XXXX months later when I would sell the car to her. Upon hearing this news, I advised the loan officer that I no longer wanted GAP insurance. She went to speak to a supervisor to see how to handle the change since the paperwork had been processed that included GAP insurance. She came back and advised me that since the manager had to leave early that day, and had already approved the transaction, she would send me a refund for the GAP insurance. I had no reason to doubt that they would keep their word but wanted to make sure that it was notated in the closing documents. I drafted a statement advising that I no longer wanted GAP insurance and that document was included in the closing documents. 

I waited patiently for the refund for a couple of weeks and did not receive it. I phoned the office and was advised that the manager would get back to me with the refund. I never received the refund. I continued to call the office and was later advised that those funds would be applied to the balance. I was fine with that since I would be selling the car to my daughter within the month. Upon receiving the final payoff, I noticed that there had not been an adjustment for the GAP insurance. I began calling the office again. Once again the manager was out but the supervisor remembered my conversation with the loan officer and the fact that we had made the notation during closing. He said the manager would handle it. 

After a few weeks, I had the opportunity to speak with the manager and she advised me that even though I changed my mind during closing that GAP insurance was not refundable. When I inquired as to why the loan officer stated that I would get a refund, she simply said she didn't know why she would tell me that. I reminded the manager that my signed document declining GAP insurance was included in the closing documents. She said she was aware of that ; however, I couldn't change my mind even at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is missing from my credit profile, that being a XXXX card in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX Card services. 
I am also asking XXXX and Equifax to verify XXXX  authorized users policy which states : *XXXX reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. 
I am also requesting the missing information be added to my credit profile
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this XXXX information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a number of items on my report that are not mine. This is definitely fraud so I contacted the police locally and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and these inquiries are not mine either : XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

- In XX/XX/XXXX I leased a XXXX vehicle and financed the lease with GM Financial - At that time auto-pay was set up for my $ XXXX/mo payment - I was also enrolled in paperless billing - Auto-payments were processed monthly, without issue, from XX/XX/XXXX through XX/XX/XXXX - In XX/XX/XXXX my payments stopped being processed - I never received a letter, email, text or any other written communication calling my attention to an overdue account - I continued to receive standard monthly emails informing me my monthly statement was available online -- none of which contained verbiage alerting me to an issue - While trying to buy a home, I realized my credit score dropped dramatically due to a late payment reported by GM Financial - I immediately paid my account in full and called GM Financial - GM Financial informed me that they had tried to call me - It turns out they did call ; however, they called from an unknown number and left a message that did not indicate who they were or where they were calling from. It only provided a phone number to call back. 
- Given the lack of information, I perceived the calls to be dangerous/predatory and I never returned them - When I saw the credit score and called the customer service number, I was informed that GM Financial 's policy does not allow them to disclose the company 's name or the nature of the call on a voicemail - Despite my attempt to escalate, GM Financial refuses to remove the late payment remark from my credit reports - As a result, I no longer qualify for the home loan product that will allow me to purchase my family home. 
- I still do not know why my auto-payments stopped being processed
Product: Checking or savings account

XXXX XXXX updated payment information on my account 3 months after I closed account. I had no access to account or to update payment method. I transferred out my number through XXXX on XX/XX/XXXX then on XX/XX/XXXX I received an email from XXXX XXXX saying I updated my payment t information. Which I did not. Then the bank payed a POS purchase from XXXX XXXX even though the money was not available on the account and I had opted out of overdraft protection and sided with XXXX XXXX saying I somehow authorized the payment method and the charge to the account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied with USAA and multiple other loan providers for a personal line of credit. The loan needed to be approved, and I chose a different lender. My credit report reflects a perpetual inquiry of my credit by USAA from the date of the investigation, XX/XX/XXXX, until XX/XX/XXXX, adversely affecting my credit report. I did not consent to my credit being pulled beyond the initial inquiry date in XX/XX/XXXX. In XXXX I contacted USAA multiple times, asking for this error to be corrected. USAA has failed to contact me and address my concerns and did not notify me in writing of the process that was taking place, nor did they forward appeal policies and procedures that I am entitled to as a consumer. None of the other lenders I applied for credit within XXXX left an inquiry on my report until XXXX.
Product: Mortgage

My Aunt deeded me her property XXXXyrs ago, she passed away XXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to work out the mortgage balance with Wells Fargo to no avail. They have ignored my requests and have now broken in to the house put padlocks on the doors in an attempt to lock me out of the property. They have discriminated against me. I have removed the locks put on the doors and am again attempting to work out the mortgage on MY PROPERTY to no avail. They have posted a sign on MY property making it look like an eviction notice in an attempt to intimidate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXXXXXX XXXX  Account number 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. 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 inaccurate.