23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested an increase on my credit limit and cash advance limit. BOA declined me for untrue reasons. I believe that they actually declined me because they would make more money off me if I borrowed on my home equity account that I have with them. One of the reasons I was told I was declined is because I no longer have a checking account with them. There is no requirement for this. I believe that BOA is practicing unfair lending practices and want my account reviewed without an additional inquiry on my credit. I have perfect credit. They stated my credit balance was high which is not true. I have less than 10 % usage. They stated age between accounts opening but the accounts i recently opened were with them. And I have paid my account in full and on time since opening. Again the reasons they provided are untrue which is why I am making this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Credit reporting or other personal consumer reports

I am disputing a collection account reported by Midland Credit Management Inc. on my credit report. The account details are as follows : Account Opened : XX/XX/XXXX Balance : {$690.00} Reported as of : XX/XX/XXXX Status : Placed for collection I have repeatedly disputed this debt with both Midland Credit Management and the credit bureaus. However, despite my disputes, they continue to report inaccurate and unverified information. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full debt validation. I sent a formal request, but Midland Credit Management has failed to provide proper documentation proving the validity of this debt or their right to collect it. 
This incorrect reporting is negatively impacting my credit score and financial standing. Despite my efforts, Midland Credit has not provided any proof that I owe this debt or that they have the legal right to collect it.
Product: Debt collection

I was checking my XXXX credit report and saw this collection.. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) Which I do not recognize and doesn't belong to me. 

This is Identity Theft. Please remove from my credit report asap..The account number is XXXX. Amount is {$600.00}. It was reported on XX/XX/2022. 

Thank you.
Product: Credit card

I purchase furniture with Citi Visa Card and paid card off immediately. 
When delivered, was damaged and I refused as per the sellers instructions. 
Seller received the returned furniture and told Citi Credit card company returning funds. I could not get Citi to return the funds so made a dispute. 
Citi has stated that the funds would not be available till XXXX XXXX, 2016. 
I need funds immediately to purchase furniture and they have refused. 
Have not filed a complaint with Court, yet.
Product: Checking or savings account

Hi Im reaching regarding to my saving XXXX account at the moment that was a saving account. I was being charged for overlimit fee {$60.00} a month for 3 months in XXXX XXXX XXXX and XXXX. I had asked you before about the reimbursement but got denied by customer service every time. The reason I had to do transactions on saving instead of another checking account which lead to this overlimit fee are 1 ) my XXXX checking account was negative due to excessive overdraft and nsf fees that Bank of America charged me on the same transactions while the balance was already negative. 2 ) I needed to pay interest of Bank of America credit card to avoid the late fee and interest that could be combined and included in the original amount I owed. At the moment, my checking account was negative if I deposited to that account, I would not be able to pay the minimum payment of credit cards. Therefore, my only option was to deposit to saving instead of checking to avoid the late fee and also in order to transfer a part of it to my landlord for my monthly rent. 3 ) I understood that I should not do services with the bank tellers. But since you limited hours during the COVID, and customers did not want to be in closed space so majority of the customers used the atm outside. The line was long since the atm was not sufficient to all customers. Especially in XXXX XXXX, the branch was closed very often and only 2 atm outside and 2 in drive thru. Outside atm machines were 1 working but out of money and 1 not functioning. On the drive thru, they are working but out of money. Therefore before bank even open, it was common to see customers waiting in line outside to see bank tellers because of atm machines were not operating. I dont think charging me {$60.00} a month for overlimit fees was fair since bank inappropriately added nsf fees or overdraft fees to my account in XXXX that around {$1000.00} was charged on XXXX for nsf fees. Therefore, I left no choice to use my saving Account to pay bills which eventually caused me {$60.00} overlimit fee for 3 months. Also, atm outside were never property maintained and left customers to see tellers inside the bank only. 

Also I am not sure what is the different between nsf fee and overdraft fee. Since Bank of America uses them interchangeably. For the same merchant that charged on my account while it was already negative. they appeared as overdraft or nsf fees interchangeably attached pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on Transunion, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and transunion. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Product: Mortgage

My loan is currently being serviced by Citizens One. 

They have the worst customer service Ive ever experienced in my life. Most of their employees are not trained with the knowledge they need in order to provide the answers and services required. Furthermore, I can not understand most of their XXXX based employees. Over and over again I am promised callbacks, and I never get them. 

Long story short, I have a forbearance plan that was recently terminated due to conditions completely out of my control in 100 % at the fault of my loan servicer. 

Without my permission, they changed my mailing address to an address, not even in my same state! And after doing so, they sent me communications regarding my loan/mortgage forbearance plan to that location, with my personal information on it, and never made any other attempts to contact me through any other forms of communication. Then, after not receiving response for meobviously, because I had XXXX knowledge of them attempting to contact me they terminated my forbearance plan back in the middle of XX/XX/2022. I only became aware of this because somebody came by in person and left a letter on my door. Meanwhile, I was trying to get updates on the status of my forbearance plan and I called numerous times, attempting to leave messages with the rep assigned to my forbearance plan. Never has she ever been available nor would I ever get a callback from her even the customer service would promise it. I am always left in the dark. And I am lied to, and I have no ability to speak to anyone over the phone who is able to provide any assistance. On the loan solution center website, there is XXXX information updated about my forbearance plan having been terminated. 

The letter that was left on my door, says that I have a right to an in person interview to discuss options for the current status of my loan. I have called many times and spoken with customer service as well as the loss mitigation teams, at citizens one bank ; regardless, everyone I have spoken to is either without the proper knowledge and training to help me, or promises a call back, and they never do. 

I am completely unable to get the in person interview scheduled, as I am told him that letter that I have the right to have. Also, and most importantly, in effect, I am unable to get my forbearance plan reinstated. 

The overall issue is that my forbearance plan was terminated because citizens, one bank changed my mailing address without my permission, and even after I requested it be changed back to my current address, they failed to do so multiple times, which they admit to. Their incompetence and inability to simply schedule an interview has me stuck in limbo regarding my current living situation, as well as my loan, itself. 

Please assist! 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 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 statues. Please remove this account completely from my credit reports. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I file a dispute with XXXX XXXX and TransUnion my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Old address was never removed Old Closed accounts was never removed Late payments were never reported as positive as paid on time Collection was never removed from report.
Product: Mortgage

I paid off my home loan to Citizens One Home loan in XX/XX/2020. At the time of closing there was over XXXX XXXX dollars in the escrow account. Citizens claims to have mailed me two checks that I never received. I would like to get this closed out and my money back as soon as possible.

They made me go through a lengthy waiting process before declaring the checks missing. They made me sign a paper they send it the mail saying I didnt get the check and to send another one, all understandable. After the second check went missing, they are mailing me another form and then again going to just mail a check for a third time. I would like to establish a better way of sending payment than whatever is or isnt going on in the mail.

They are asking me again to sign a document saying I didnt get the check so they can send out a third check. I will sign the document. I asked they email it to expedite the process and they said that was impossible. I asked that we try another method of getting me the money. I offered to pay for a wire transfer and they said a check was the only way they could pay. I asked the check be sent overnight with a signed signature requirement. I offered to pay for it They said they cant do that and their policy is to only mail it. I also offered to go to them across the country and sign the document and pick up a replacement check. They said that too was impossible and not to come.

After two failed checks in the mail Id like to pay for a better way to get my XXXX XXXX dollars. Citizens was very unhelpful and seems content with their failed archaic methods. I am not. I would like my money, it's been over 10 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid i was unable to work in the filed i am in and shortly after diagnosed with health issues which did not allow me to return to work and in need of filing for XXXX. 
In the meantime we were just down to my husbands income therefore we fell behind on our loan and had close to 11 missed/late payments. We have been current now and see no reason why we could not to continue this. 
I reached out to XXXX XXXX a few times during covid and they did allow us to move a payment back however since we have remained current and on time on XXXX XXXX i called XXXX XXXX and spoke with a customer service rep requesting due to these above circumstances that were out of my control and are currently in good standing would they consider removing the almost {$3000.00} in late fees as well as missed payments on our credit report. I was then transferred to a supervisor and was told to dispute with credit reporting agency which i have done and was told they had no control of the credit reporting nor removing the late fees on our account. I feel they did not even try to help me resolve this issue and did their best to end our conversation without listening or trying to work with us.
Product: Debt collection

In 2013 this vehicle was charged off. And I have the proof. It's only showing on two credit bureau and it should be on all three
Product: Debt collection

The debt is not owed by me I was promised by previous owners of the property due to being threatened on my livelihood I would not be held responsible I also was forced to move out of the property and no where to live! I never received any info until this was blindly placed on my credit the account has been removed from my XXXX report and should be on XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

News recently broke out that Equifax discovered a breach in XXXX XXXX, XXXX. [ 0 ] On the evening ofXX/XX/XXXX, I interacted with Equifax 's 'Potential Impact ' web page and learned that I may have been impacted by said breach. [ 1 ] I then obtained a 90-day initial fraud alert and am currently requesting a credit report. 

[ 0 ] Equifax Reveals Hack : XXXX XXXX XXXX. 
[ 1 ] Equifax 'Potential Impact ' Web Page : https : //www.equifaxsecurity2017.com/XXXX/.
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 : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

-- THIS COMPLAINT IS DONE BY THE CONSUMER AND NOT A THIRD PARTY -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors. 
-- 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. 

-- They do not have my permission to report on my consumer credit report. 

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate. 

-- The following unauthorized inquiry is fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report this inquiry on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- ( XXXX. XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, XXXX, and Equifax ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, XXXX, and Equifax ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, XXXX, and Equifax ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Can you please check the documents as the accounts are reporting inaccurately and indefinitely on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to INNOVIS and there is no third party involved. INNOVIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE INNOVIS VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was paid off. Late fee of XXXX was paid. I recieved title and it still reports as charged off
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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 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 that are reported 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I reached out to the creditor in writing to request a debt validation. However, it has been over 60 days and I have not received any response. I would like to clarify that this account does not belong to me, and neither is the associated address mine. I have never owned or lived at that address.