23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I set up a CD with BMO Harris Bank and I originally had automatic payments going into the account to settle the full amount of the CD. However, the last 3 months of the CD, someone got a hold of my  account and routing number information and I was unable to get this resolved in time to make the payments. By the time I received the letters I was almost two months behind on the payments. It took a  while for the fraud department to get this taken care of and the funds reversed into the account. As soon as I found out about the situation I placed the remainder of the money into the account to close the CD including all of the late fees. If I can get this removed off of my credit report I sure would appreciate it. I had this CD for 3 yrs and didn't miss a payment and this mark on my report has caused it to go down. If you can look into this for me, I sure would appreciate it.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report incorrect information on my consumer report. I have previously filed several complaints about this matter and have yet to get it resolved. My name is XXXX XXXX this is my only name nothing else is correct my address is XXXX XXXX XXXX XXXX California XXXX this is my only address remove any other address it is my not my job to validate account but the consumer agencies.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an account listed under the name XXXX XXXX XXXX with the account number XXXX that is currently inaccurately reporting late payments for XX/XX/2022. This payment was in fact made on time. The consumer reporting agencies need to ensure all information is reporting accurately. This account has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 9 months since I have been going back and forth with Experian over several accounts reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Experian but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX  XXXX # XXXX, 2.XXXX XXXX  XXXX # XXXX , 3.XXXX XXXX XXXX # XXXX, 4 . XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Experian has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Experian and will provide if necessary.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The CARES Act and Credit Reports states. 

If you made an arrangement wit a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after the COVID-19 national emergencies ends. 


SANTANDER CONSUMER USA reporting late payments XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX to my credit report however, I had followed all steps of making valid and on time payments to my account. My account is current via the cares act with this company during those periods however they are still reporting inaccurately to all three of the national credit agencies. I was current before and after that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the third-party XXXX XXXX. Regarding Equifax confirmation on my dispute of the accuracies of bankruptcy XXXX, Equifax is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Equifax claimed to be apart of bankruptcy XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have auto pay with GM Financial. I had the money taken out of my account, but they put the money back in my account. I had fraud done in my account and I had money taken out that was unjustified. GM told me that my payment was made on their site, so I never went to make the payment after. I then straightened out the fraud charges on my XXXX XXXX checking account, but GM Financial still gave me a late payment. Im not sure why I got the late payment and I was not notified that the payment didnt go through. I just want the late payment forgiven. I got autopay to avoid late payments. Im not sure why the site told me I paid when my payment was collected and then added back into my account. It seems like a computer problem on their part.
Product: Vehicle loan or lease

l bought the car and he was very bad with electrical mechanics ploblems and XXXX time the car was returned to the dealer for almost killing me in the car i need to be removed because of my credit reports please that's why i returned it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Ive been a customer XXXX XXXX  for over a year everything was great my account was set up on auto pay payments were made on time every month then XXXX day I got an email about verifying my ID I sent over the proper info but they denied my verification and close my account I still had to pay the remaining balance off money was still deducted out of my bank account up until this XXXX I notice they didnt take the money for the month Ive been trying to login into my account but I cant Ive reached out to customer service and never get a response Ive reach out the phone and email and cant get any help they reported a 30day late payment on my credit report I have no problem paying them but I cant pay them because they have disconnected my auto pay without letting me know and I cant reach out to anyone this is unfair
Product: Debt collection

I currently had an old roommate reach out and tell me very scary, rude men showed up asking for me and threatening to sue me and that I was in big trouble if I don't give them money. I have zero knowledge of this debt collector and also do not feel safe knowing there is a collection company going around harassing and threatening me for an unknown cause. They said they were from Thunderbird in Arizona. I do not know the amount since nothing is on my credit report. I am very scared and worried that these men are knocking on doors threatening and looking for me.
Product: Credit card

I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.
Product: Vehicle loan or lease

I bought the car at XXXX. Its been 5 years. Ive made payments to catch up and Im never caught up. Ive paid so far over XXXX  for the car. And it still shows I owe XXXX. 
When I bought the car, everything was missing.. from the mats, to the car being a lemon. I never complained .Not even once. I simply fixed what I could. 
Everyone goes through hard times, but the loan is killing me because I dont see any improvement with my loan, or how and when I will pay it off. They offered extensions when I was out of work, and then I turned around and payed up for these extensions, yet I dont see a change. Theyve said it is a simple interest loan, but how is it possible for interest to still be acquired after paying on time. I am being robbed. And I dont think Im the only one. I need my title. I have paid for this car in full and over. It has caused XXXX, I dont enjoy the car, it has been a burden. And thats not great. Why would a company do people that way? Im hurt. I dont know what to do or where to go. All I know is.. I deserve my title because my car has been paid off months ago. It isnt fair what Brigdecrest has done to me. I need answers, not more running around. I need honest answers.
Product: Mortgage

On XX/XX/2020 I applied for a mortgage with JP Morgan Chase. I completed an application online and was contacted by a processor who asked me questions and completed the application which he then sent to me for electronic signature. In my review of the application I noted various errors, so I sent an email to the processor to get them corrected. The most serious of these errors was in the assets section of the application. The processor had listed a property that I was in the process of selling as my asset, which was correct, but he had then listed the equity in that property as an additional asset which he called " Sale of personal property '', which resulted in an overstatement of my net assets of {$140000.00}. I attempted to address this with him, but he insisted that the amount be put there to show that I had the requisite assets to pay the down payment on the loan. I refused to sign and told him that it needed to be corrected. The processor then changed the name to " Real estate asset '' and left it there. I then brought the manager into the conversation, and he emailed me to say he would review it with the processor. I later received an email from the processor that said the application was completed correctly and they could not proceed without my signature. I then went elsewhere for my loan because I will not sign an application which is incorrect.
Product: Credit reporting or other personal consumer reports

Equifax has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new XXXX in XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I filed a dispute with a credit company - I sent a letter to the nearest bank of that credit card company and did not hear back. I called their customer service number and I was told I could not get any statements or information - as they are sent to a different address than mine. I then tried to go on line and get information and was not successful - it would not generate what I needed. 
I feel this is fraud using my credit- as this card is NOT in my possession- I had no knowledge this card was still open- I do not have a credit card number to provide - it was to be closed with divorce. I filed for divorce in XXXX of XXXX and was finalized in XXXX of XXXX and is legally filed with the XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I have also contacted my lawyer. My Divorce Decree states neither party can use others credit or cause harm.

I did not receive any statements regarding this credit card - only noticed a rapid & sudden decline in my credit rating and investigated. All charges made were without my knowledge as I was sure this card was closed.
Product: Checking or savings account

My name is XXXX XXXX and I own a certificate of deposit ( CD ) with BBVA Compass bank. This CD ( account number XXXX ) was due to mature on Friday XX/XX/XXXX. 

I was told by the bank previously that I could close this account on XX/XX/XXXX and access my funds on the same day. However, when I showed up in one of the bank 's branches on Friday XX/XX/XXXX, the bank could not close the account claiming that there was a lien on my account. After wasting an hour in the branch, the bank told me that they needed to remove the lien from the account before they could close the CD and give me the funds. 

This is an outrageous development since I have been counting on accessing my funds on XX/XX/XXXX,  but this bank has failed to provide me the funds I desperately need at this moment.
Product: Consumer Loan

I knew the stipulations to taking out a installment loan ( air quotes ) long term payday loan. I decided to do so with Big Picture loans aka Castle Payday loans. I made my first initial payment of {$200.00} which covered the finance fee and an additional amount to go towards the principle. Now it 's time for the 2nd payment due and I want to make the same payment. Per there instructions you have to notify them 2-3 business days before the payment date, in which I did. I get an email back from thing 2 days later explaining they had a high email/call volume sorry for the delay but they already processed only the finance charge. This seems like a crook move to me so they can get more money out of my pocket. Something told me to not do business with the company, but I had a bill that desperately needed to be paid. I do n't like the deception in this company. Not to be disrespectful but the customer service people can barely speak proper English and I feel stupid to have even started doing business with them for the almighty dollar.
Product: Money transfer, virtual currency, or money service

I sent a payment to someone to purchase tickets for a same-day game through Navy Federal Credit Unions app under its XXXX section XXXX When I tried to send the money I received an allert on the apps screed stating the following language For your protection, we placed your payment on hold. Please call us at XXXX to remove the hold on this payment. Your payment will be cancelled on XX/XX/2023 at XXXX XXXX  PST if you do not call us to resolve this issue by then. 

I thought that was strange as I never saw a message like that before and decided to just purchase the tickets through XXXX. A day later I received an email saying the money had been taken from my account. When I called navy federal credit union to reverse the transaction since I never called to re-authorize the funds being sent, they told me it was nothing they can do. I explained that it was fraud because although I initially sent the money once they stopped the payment and said they would only send it once I called to confirm my identity, I never gave the authorization for them to try to push it through. Navy Federal is still saying there is nothing they can do so I am out of my money although I never called to give authorization. Furthermore, the money was for tickets which wont even be valid as the person was not only a scammer but the game has passed.
Product: Credit card

After over a year of ontime payments to Self financial I realized they were not at all helping my credit so I decided to cancel. After canceling this account I was charged a fee a month later never notified and now they have reported multiple late payments to the credit bureau completely destroying my credit. I tried to rissolve this I was offer to restart my account but otherwise nothing. I reached out to Self for help not on the fee but on the late payments destroying my credit. They did not help at all.
Product: Credit card

i had at least XXXX credit cards with chase bank, j p morgan. also i had a prmier checking account and a couple of cd with jp morgan chase, they force me to closed all my account for no reason, i have been with them for at least 25 to 30years never missed a payment, all pay all my balances in the end of the month, over XXXX worth of credit card they closed it with no reason, i ask the manager of the branch, he said they don't give him any information, i filed a complain with chase but they did not respond. what i think is a descrimination against me because im a XXXXXXXX decent and i have an accen. i have been in this country for XXXX  years and had no problem with any crediters and i pay my charges every month. i have a score over XXXX excellent credit i open another credit card with my business but they waited XXXX months and sent me a letter they are closing my business accounts.for no reason to give or answer my complaine. 
under the descrimination act i think chase is descrimiting againt my race, language and relegion. so i would like to file a complaine.
Product: Credit card or prepaid card

I received a chime debit card that I HAVE NEVER APPLIED FOR. I have tried to contact the company numerous times without success, they do not have a direct phone number, unless you are trying to enroll with them.
Product: Mortgage

My husband and I have called Triad Financial Services about our loan for a mobile home multiples times since XX/XX/year> to get our surrender papers sent to us because we had moved out. The company has been giving us excuse after excuse to why we havent received them. In XXXX we were still on autopay to make the payment for late fees etc was supposed to be around XXXX $ they ended up taking a whole months worth of money from XXXX amounting to XXXX and didnt pay the fees we owed. We then cancelled the autopay and told them we werent paying them anymore money until we received our surrender paperwork.
Product: Credit reporting or other personal consumer reports

I have requested gif inquiries to be removed. I did not apply gif any product or service with XXXX in the past. Equifax have also repeatedly told me that thirds inquiries were deleted several times I e a two month period since XXXX, Thry were not removed. I spoke with XXXX on XX/XX/2923 and they also spoke spoke with Equifax representative. 
The supervisor with XXXX XXXX explained that I did not have any accounts and that I didnt apply for any product or service with XXXX in the past.
Product: Credit card or prepaid card

I was set to receive my social secruity benefits onto a DirectExpress debit mastercard.. This month on XX/XX/2020 I did not recieve my benefits onto the card the Social Security office sent out my payment but Im unable to get a live person at DirectExpress to apeak to about my account or to even have this specific debit card closed and to open a new one. I have tried every department I can think to help me on this and there isn't anyone because Im unable to get a live person at Direct Deposit. If possible Id like to close the account on the debit card XXXX and have another card sent to me with my benifits on it. Thank you very much.
Product: Debt collection

Midland Credit Management contacts me more that 30 times in one month. It is ridiculous. The amount of times my phone rings while Im at work is ridiculous. And they use different phone numbers to do so.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late payments for the accounts that I have included screenshot inside the complaint on XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, Please see the attached file.