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

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Credit Cover Letter to Confirm Identity Dear Sir/Madam, I am writing to you to confirm my identity and request a copy of my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). I believe it is essential to monitor my credit history and ensure its accuracy, which is why I am seeking access to my credit report. 

Please find enclosed the necessary documentation to verify my identity : 1. Copy of my valid government-issued identification ( Driver 's License/Passport ) 2. Copy of my Social Security Card 2. Proof of address ( Utility Bill/Bank Statement ) I kindly request you to process my request promptly and provide me with a copy of my credit report. I understand that, according to the FCRA, I am entitled to one free credit report from each of the three major credit bureaus every 12 months. 

Should you require any additional information or documentation to complete my request, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your attention to this matter. I appreciate your assistance in helping me ensure the accuracy and integrity of my credit history. I look forward to receiving my credit report from your bureau. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Bank of America has a hidden fees of their mortgage program which didn't show anywhere, including their mobile app / website / mortgage statements. At the same time, their mortgage auto payment product didn't charge my checking account for the amount due they claimed. Instead, BofA report a payment past due record which currently impacted my credit score significantly for over XXXX ( from XXXX to XXXX now ). I'm here to provide more information about my situation. Really need your help on this matter. 

Timeline : 1. I had a mortgage with Bank of America for the last few years. I had the auto payment setup which linked to my checking account of BOA as well. It went well for the last few years. And I try to pay my mortgage faster than the original schedule. 
XXXX. On XX/XX/2022, I checked my mortgage and saw there is only {$1500.00} remaining on its balance. Thus I manually payed this amount via Bank of America from checking account to mortgage account. The amount was deducted from checking account successfully. 
XXXX. Since XX/XX/2022, the last three statements of my mortgage shows the total amount due is {$0.00}. Attached please find those statements. 
XXXX. On XX/XX/2022, the above amount still didnt apply and I noticed that my credit score got negative impact significantly. Bank of America report a " past due ''. I checked with Bank of America via their customer support and was told that I need to pay {$140.00} additional fees to payoff the loan which was not showed anyway in app / website / statements. 
XXXX. On XX/XX/2022, I payed this amount via Bank of America from checking account to mortgage account. The mortgage got payoff and account got closed right after that. 

The problem is : ( XXXX ) if BOA need charge me those additional fees, why its system didn't charge via the auto payment which I always had enough balance. 
( XXXX ) Those additional fees didn't show anyway in their mobile app, website, even in mortgage statements? which I wouldn't know at all if I didn't noticed my credit score impacted. 
( XXXX ) I payed this mortgage way faster than the original schedule which caused a past due seems didnt make sense to me at all. 
( XXXX ) I contacted BOA and they refuse to accept that their product design is really confusing. The auto payment function didn't work properly. Their app/website/statements didn't give customer the right amount due information. 
( XXXX ) no alerts or messages at all.
Product: Student loan

In XXXX of XXXX, I believed I was in a forbearance/deferment of my student loan with a total of {$5600.00} through Firstmark Services as requested, as I had newly started a XXXX  program. Unfortunately, in XXXX of XXXX, in checking my credit report, I realized I had multiple payments that were late ( dating XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX ) and that I was in fact not in forbearance as I requested in XXXX of XXXX. This resulted in late fees. In XX/XX/XXXX, I received a phone call that I had missed payments and needed to make my account current. I made a payment on XX/XX/XXXX for {$400.00} and noted to the representative that I believed I was in a forbearance due to my enrollment status in my XXXX  program, but didnt want a negative impact on my credit so I would make a payment, but I asked to speak to someone about why my forbearance was not in effect. I was told that someone would contact me, but did not hear back in any forms of communication. In XXXX of XXXX, I double-checked on my account, and realized I was again not in forbearance as I had requested. I made a payment on XX/XX/XXXX as to not receive negative remarks on my credit report. Again, I made a call to Firstmark Services ( date unknown ) to check in to see why my account status was not in deferment/forbearance. I was told it would be taken care of, as they saw my request in XXXX of XXXX and were confused themselves, given my enrollment status in my XXXX program. 

I did not receive a call back from Firstmark, and went on to believe that my payments were deferred, given my last conversation with the representative in XXXX. 

After checking my credit report in XXXX, I saw the derogatory remarks. Immediately, I contacted Firstmark services and inquired on this. To not impact my credit any further, I made a payment on XX/XX/XXXX for the total of {$320.00} to make my account current. The conversation at that point is detailed below : Firstmark claims to have contacted me via phone and mail regarding late payments in XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I did not receive any of the communication ( phone, email or mail ) that they claimed to make. In XXXX, I requested to reverse the missed late payments and remove derogatory marks from my credit reports in all of XXXX, as I was told misleading information about the status of my account. Repeatedly, my request was denied. I continued connecting with Firstmark three different times with requests to remove the derogatory marks, and they persisted that I was to blame, that they had done their part to contact me. 

I have since paid the loan in full so I no longer have to deal with Firstmark Services. The full payoff was made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Transunion Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about my bankruptcy. My credit score dropped and I was denied a place to live. My score dropped roughly XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advised Transunion that the XXXX Bankruptcy court do not provide information to the credit bureaus and even sent them a copy of the official letter. They refused to Delete the bankruptcy claiming the case was closed. Transunion is in violation of [ 15 USC 1681 ] ( N ) Willful Non-Compliance. They are also a 3rd party Unauthorized user and are ignoring the law! I am requesting help to have my Bankruptcy Deleted immediately! So I can live a normal life.
Product: Student loan

I am a XXXX year old who thought it would be great to get a college degree. I enrolled at XXXX University in XXXX, NC XX/XX/XXXX. I guess I was XXXX at the time and started a XXXX Degree in XXXX XXXX XXXX. To date, I do n't know why. When I realized how difficult and long the process would be I switched to an XXXX in XXXX program. Throughout the whole process ( which moves very quickly ) I was charged for electronic books and other tools that I did n't order. I was buying used books on my own. I never realized what the entire expense would be and when I began to receive notifications, I decided to resign. I came away just feeling ill-advised and victimized. I started with a {$10000.00}. balance and after paying on it for three years, I still owe {$9500.00}. The interest alone from XX/XX/XXXX to XX/XX/XXXX was over {$3300.00}. 
I am at a loss as to what to do about it because I want to stop working and retire, but I do n't want to ruin our credit. Is there hope for me? I just feel I should have received better counseling and advise from the College and I really resent having this responsibility. 
I know I must stand up for my decisions but I just feel I was bamboozled. 
Very sincerely,
Product: Debt collection

About XX/XX/XXXX Dyke O'Neal started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by XXXX XX/XX/XXXX. XXXX has since admitted violating the required procedures for foreclosure and I was compensated by XXXX different federal settlements from the mortgage lawsuits. 
XXXX shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by XXXX or Dyke O'Neal and Tennessee has a 2-year statute of limitations for such filings under Tenn Code Ann 35-5-118. Dyke O'Neal is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with XXXX bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. Dyke O'Neal is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.
Product: Credit reporting or other personal consumer reports

Asked for vehicle loan by chase bank they did a hard pull and still said I wasn't approved
Product: Checking or savings account

Can not use XXXX XXXX account to deposit my own money to the XXXX XXXX account. I don't need a Bank to control where my funds go if I decide that is where I want to have it deposited. Please stop controlling our accounts.
Product: Debt collection

Contacted them to provide me with the 1099C because the debt was charged off and written off. No 1099C provided.
Product: Credit card

I purchased a ring from XXXX XXXX XXXX XXXX  NJ... Shortly thereafter I looked more into the company and realized it was a scam and the business location was a house in NJ... I then reached out to the company requesting a refund multiple times. 

Once I got no response I attempted to make a dispute with my Credit card company Synchrony bank, not only do they not have a streamlined process to dispute charges they also are not in adherence with Reg E... I have heard no response from the bank on this front and have been charged late fees and accrued interest on the amount being disputed. 

To recap the amount charged on my Sams club synchrony bank card ending in XXXX was {$130.00} on XX/XX/XXXX I filed a dispute shortly after on there website after I had to fill out a form as requested and when I ask customer service ( which is all offshore I may add ) I cant get an answer. They also state they will circle back within XXXX business cycles and that is not true as we are past that time frame. To add I disputed this charge XX/XX/XXXXdays after it was posted on XXXX please see attached form for more details
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.
Product: Mortgage

Good morning, I, XXXX XXXX XXXX, am requesting the accounting history for the Loan No:XXXX 

Thanks - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. 

Earlier this month I disputed the delinquent account with Experian. They updated my credit report, but instead of showing 'paid in full ' they updated it to say it was 'impacted by a natural disaster XXXX '. This was before XXXX. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Experian is complicit for not removing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiries 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 XX/XX/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

On XXXX XX/XX/2024 Experian reduced by score by XXXX points ; which I was unaware. This was due to the fact that the other two companies still had my score in the XXXX range. On XXXX XX/XX/2024, I opened a dispute with Experian concerning the fact that a credit card I have had for over 26 years no longer was showing on my credit report. I called around the same time and talked with one of their associates. He stated it was due to my bank. I opened a secure message with my bank ( realizing that the other two credit reporting agencies still show my credit card correctly ) to discuss what Experian stated. They could not determine why it was not properly showing. I opened another dispute on XXXX XXXX. For this one Experian agreed that I had an account but listed it as other not as a credit card ( revolving credit ) and with no payments- ever. I opened a third dispute on XXXX XXXX with no movement. The response : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. ''
Product: Checking or savings account

I reported my card lost after my purse was stolen with my important documents my card was over drafted XXXX plus dollars without my knowledge until I got a letter in the mail
Product: Credit reporting or other personal consumer reports

I have multiple Charge offs for various months throw out the year ensuring the company has been paid through their insurance. They have maliciously reported charge off every single month since XX/XX/year>. The refused to extend their part of the contract which included fixing the vehicle or extending a new one as replacement therefore voiding the contract. To my knowledge a charge off is done once not {$11000.00} every single month.
Product: Credit reporting or other personal consumer reports

I notice on my credit report a inquiry that i didn't not recognize with a company i never heard of in i would like it removed from my trans union report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end.
Product: Vehicle loan or lease

Chrysler Capital has tried charged the wrong account for my monthly car payment, charging an inactive savings account instead of my checking account resulting in returned 'online check ' fees ' from them and my bank as well as an excessive late fee. I still an unable to make a payment because of this error. Until XX/XX/year>, I have made over XXXX  years of timely payments with no issues, my bank account information was saved on their online portal. When I XXXX tried to make my XXXX payment on XX/XX/XXXX, they changed their portal resulting in my bank information being deleted and I did not have access to my bank information at the time to enter a payment. I tried to access the website on XX/XX/XXXX but it kept timing out. On XX/XX/XXXX I was able access their website and payment portal to submit my banking information, the same bank account number for my previous XXXX  years of payments and the end of the week days I got a message saying my payment did not go through. I contacted Chrysler Capital on XX/XX/XXXX and they told me I selected saving instead of checking, which was NOT true resulting in them trying to take a payment from an inactive savings account. I resubmitted the same information this time taking, a screen shot to prove I selected checking and verified with a customer service representative that checking was selected and again the payment went to the inactive savings account not my checking account resulting in more returned check fees from both Chrysler Capital and my bank as well as an excessive late fee from Chrysler Capital. 

I have no confidence in them actually using the proper bank account when I try to to make my payment again.
Product: Checking or savings account

This is a follow-up to Complaint Number XXXX. 

Wells Fargo has again charged my checking account with an unauthorized telephone transfer of {$640.00}. I have written them another letter asking them to continue to investigate my previous complaint and to let them know that another fraudulent incident occurred on XX/XX/. This was the unauthorized withdrawal of {$640.00} from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on multiple occasion to have my name correct on my report they keep reporting aliases. I also have one adress and thats the only one I want to be on my report.
Product: Credit reporting 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. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : 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 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.
Product: Credit reporting or other personal consumer reports

Experian 's web site and customer support services are completely unacceptable and inaccessible. I've tried to freeze my credit with Experian multiple times by using their webiste and calling their customer support. 

Their website sign up process only sends me to an error page. It sends you to this error page only after you've provided your information, including your full social security number. When you hit that error page, it directs you to a XXXX number where it gives you instructions to go to the website, or to mail them your personal information. You can not speak to a person. 

If a company that monitors American 's credit and is allowed to impact citizen 's lives in such a substantial way can't operate a website in a way that instills faith that they take that responsibility seriously, they should be put out of business.
Product: Debt collection

I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.
Product: Debt collection

This company XXXX submitted an illegal usury interest rate claim to these people that is called XXXX XXXX XXXX/XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.