23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2022 - I phoned BSI Financial Services Customer Service to ask them if sending my mortgage payment earlier than the due date would save me any money in interest charges. The BSI agent insisted that I would not save any money, but she kept referring to the 'Grace Period ' which occurs after the due date. I knew that the grace period had nothing to do with what I was asking about. I asked the BSI agent if the mortgage interest was compounded daily, and she responded that the interest is compounded daily. I then asked her how it was possible that if I paid the mortgage 10 or 14 days before the due date that I would not save on compounded daily interest. The BSI agent responded that the mortgage interest will be the same no matter when I pay it.

Again, I asked the agent how paying early did not affect daily compounded interest ; the BSI agent again referred to the Grace Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Debt collection

This is a debt that was paid off before I even received services with  XXXX   XXXX  again. ERC says I owe them {$330.00}. This is impossible since I settled with ERC the first time my account was in collection, paid {$100.00} to pay off that account on  XXXX / XXXX /  XXXX  . Which was a true debt. I 've called them many times to try and get this settled, the person on the other line knew it was n't a true debt and always credited my account. Then the {$330.00} would keep reappearing on my account with no end. Now it is in collections for the second time even though I had already paid it off. I have no access ( because of   XXXX    ) to my account with them so there is no way for me to look up anything related to my debt charges.   In the attached documents below, there are payments that add up to {$330.00}. My last payment was the {$100.00} for the debt settlement.
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX XXXX XXXX credit card accounts currently listed and showing on my XXXX XXXX, Experian and XXXX credit report are lost/stolen : XXXX and XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX are lost/stolen.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 rights.

EQUIFAX 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 rights.

EXPERIAN 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 XXXXXX/XX/XXXX has violated my rights. 


I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to XXXX, XXXX  & Transunion. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!
Product: Debt collection

Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with XXXX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. 
Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. 
The parent company if XXXX XXXX  and I have other accounts with this XXXX  XXXX XXXX XXXX - so they have many ways to contact me. However, I never received a bill from XXXX. 
Because I never received a bill, XXXX started to add on interest charges and two years later I receive a letter from Midland Credit that I now owe {$180.00}. 
I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many XXXX  in our country. 

I would like to find a resolution to this matter. Please help. 

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

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # 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 XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Transunion to dispute abnd notify them that they furnished on my credit report the following company : XXXX  XXXX XXXX. 
I NEVER contracted with them, and I numerously sent certified letters to them and all the Credit consumer agencies to immediately correct my report and remove this account. 

This account have been correctly removed from my other credit reports XXXX and XXXX ( see attachment ) as they investigated properly and found this account was incorrectly reported and they removed it from my credit. 

it keeps showing up on Transunion with different amounts and limits i am not aware of under my social security # and I need this properly resolved once and for all please. this is VERY STRESSFUL!!! 

all i get is a computer generated letter back, no real investigation done... they clearly do not care to follow the law nor even care to do proper investigation like the other bureaus did. 

This account is to be removed immediately! it is affecting harshly my credit worthiness i work so hard for. 

XXXX  XXXX XXXX - Last reported XX/XX/2022 - Reported balance {$65000.00} NEEDS TO BE REMOVED IMMEDIATELY
Product: Debt collection

There is a derogatory mark from Penn Credit Corporation XXXX XXXX XXXX XXXX, PA XXXX On my credit report. I have received zero communications from them. No letter, no opportunity to dispute debt, just a {$2700.00} charge for I don't know what on my credit report for a month now, with zero information. 

I tried to contact them and without a " customer ID '' from the letter they were supposed to send me, I can not reach out to them.
Product: Checking or savings account

I had a checking account with Capital One 360. There was a deposit from SBA in the amount of {$29000.00} deposited into the account in XX/XX/XXXX for XXXX XXXX, due to covid19. In XXXX, Capital One froze that account due to " supposedly fraudulent activity ''. I called them and spoke with the representatives, mind you never speaking with an investigator at any time. I sent them the documents that they requested to show that I do have a legitimate business, with EIN for Sole Proprietor. These documents were sent on XX/XX/XXXX. I called a few days later to follow up with Capital One and was informed, again by the CSR, that the account had been closed and funds returned to the SBA by Capital One investigations. I am trying to find out why with no success. I then called to SBA to insure that the funds were indeed returned and they have no record and can not trace the funds. I am currently trying to trace the funds, along with an attorney from SBA to find out where they were sent. I am not getting any assistance from Capital One. I need this issue resolved so that I can assure I am not held accountable for funds that was improperly returned to the incorrect location and never makes it back to my loan. I have called Capital One several times and am told that I need a subpoena. I can only get a subpoena if there is a lawsuit. I do not intend to or never have I intended to file a lawsuit against Capital One. I need assistance in assuring that these funds are returned and I am not held accountable for the unused portion of the loan. 
In the interim, I am the only person held accountable for the funds from this loan. I am/was the account holder and have no way of obtaining a subpoena for records as I do not have a pending lawsuit against Capital One.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2018 I was detained by the police from my vehicle and taking to prison. I left my wallet with my identification card and social security card, XXXX XXXX card, XXXXXXXX XXXX Card inside it in my vehicle. I was release from prison XX/XX/2018. I discovered shortly after my release my vehicle was burglarized and my wallet and my phone was stolen. I immediately called American Express to cancel my card and I filed a dispute with them that day and I filed a police report the following day. I certified mailed my police report, prove of incarceration form, photos of my burglarized vehicle, FTC report and declaration of fraud form in on XX/XX/2018 to their corporate office in XXXX XXXX Utah. I also fax American Express Serve Team the police report and upload all documents listed previously to their website around that time as well. All documents was submitted before the 10 business day provisional credit period. On the XX/XX/2018, I received an email of denial of my claim. The representative explained to me upon calling, my claim was denied due to a merchant validating that a tranactions was valid. I spoke with each merchant neither of them confirmed validating any charges with American Express. I also contacted the American Express CEO XXXX XXXX and the executive department regarding this claim. They claim they was going to look into it but they have yet to resolve the issue as well. The Dispute amount is XXXX. I really need this issue resolved and those funds reversed to my account as quickly as possible. Thank You.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC report.
Product: Credit card or prepaid card

I purchased furniture ( custom-made ) from XXXX XXXX for over {$5000.00} utilizing their credit card. The purchase took place on XXXX XXXX, XXXX, however, the merchandise arrived about three months later ( XXXX XXXX, XXXX ), which is later than they promised. During this time, XXXX XXXX charged my store credit card a lump sum, asked for payments, and issued finance charges and a late fee for merchandise that I did n't have yet. I disputed having to make payments and asked for the reversal of the late fee. They took away the minimum payment requirement and refunded the late fee, however, they continued charging me a finance charge. I have not been given an opportunity for even one full statement cycle after finally receiving my merchandise to pay this amount without a finance charge. The card has been paid off, however, I was charged a lot of finance charges ( I did manage to get a portion reversed ). This is absolutely unfair, and this practice must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT CREDIT CARD ACCOUNT UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE : CAPITAL ONE BANK XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX XXXX XXXXK XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureaus selling consumer information to all mortgage lenders after credit is pulled without their authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 FTC reports with inquiries I did not authorize and would like to have them deleted
Product: Vehicle loan or lease

I leased a vehicle on XX/XX/XXXX which was financed through US Bank. The payments, as agreed upon, and stated in the lease agreement is {$400.00} per month. The monthly tax that is incorporated into that fee is {$26.00}, as also stated on the lease agreement. Today, XX/XX/XXXX I received a mailed letter notice from US Bank that effective XX/XX/XXXX the monthly payment of my loan will be increasing to {$410.00} due to an increase in taxes. 

After receiving this notice I have discovered that US Bank has been charging {$27.00} per month for tax, despite the lease agreement being {$26.00}. 

I reviewed the terms of my lease and there is nothing stated that provides permission to US Bank to change the monthly payment terms in any form. It may be a trivial amount of money, but the principal US Bank NOT adhering to an agreed upon contract is highly unethical and disturbing.
Product: Checking or savings account

THERE WAS NO OPTION TO STATE THAT MY ISSUE IS REGARDING FRAUDULENT CHARGES ON MY CHECKING ACCOUNT SINCE XXXX XXXX. I DID NOT NOTICE THESE RIGHT AWAY AND WHEN I DID I ORDERED A NEW DEBT CARD THINKING THAT WOULD SOLVE IT, BUT IT DIDNT. I FIRST REPORTED THE FIRST ROUND OF THEM ON XX/XX/XXXX. EACH TIME I INQUIRE I GET A DIFFERENT ANSWER. MY IDENTITY WAS STOLEN AND OTHER ACCOUNT WAS HACKED, SO RECOVERING ANY MONEY HELPS. THEY DID NOT DISPUTE THESE IN ORDER AND PLACED MULTIPLE CHARGES UNDER ONE DISPUTE NUMBER. JUST THE OTHER DAY I WAS ADVISED THAT TYPICALLY TAKES ONLY 10 BUSINESS DAYS, CLEARLY NOT HERE. WHAT MAKES IT EVEN MORE ANNOYING IS THE FACT THAT ALL OF THESE CHARGES ARE FROM ONE ABOUT FIVE DIFFERENT PLACES. ALSO MAKES NO SENSE THAT YOU DENY CLAIMS THAT YOU HAD JUST APPROVED. I HAVE WENT THROUGH SO MANY TIMES AND TRIED GAINING THE INFO I HAVE REQUESTED AT LEAST FIVE TIMES NOW. ALSO ADVISED THAT I COULD RESPOND DIRECTLY TO THE EMAILS REGARDING THE DISPUTES, THEN TOLD VERY RUDELY I COULD NOT. NOT ONE EMPLOYEE HAS SENT ME WHICH CLAIMS HAVE BEEN DISPUTED AND WHICH HAVE NOT. AS STATED THEY DENIED ALL CLAIMS FROM XX/XX/XXXX. I KEEP GETTING TOLD DIFFERENT THINGS OVER AND OVER AGAIN, AND TO BE HONEST I DO NOT EVEN THINK THAT I HAVE EVEN SUBMITTED ALL OF MY CHARGES. YES MANY OF THE DISPUTES HAVE BEEN TAKEN CARE OF, BUT AS STATED I DON'T KNOW WHICH ARE LEFT AND WHICH AREN'T? ALL DISPUTES PLACED FOR XXXX WERE DENIED WITHOUT A REASON GIVEN, AND BEEN ADVISED THAT THEY SUBMITTED A COMPLAINT ON THIS, BUT NO ONE EVER CONTACTS ME. THIS IS RIDICULOUS! HOW ABOUT JUST FINISHING THEM AND GIVE ME THE INFO I HAVE REQUESTED, BECAUSE I DO NOT WANT TO GET SCREWED OUT OF ANY MONEY!!!!
Product: Credit card

Back in XX/XX/XXXX2015 my Chase credit card was compromised. I made several attempts to contact Chase but due to very long holds ( over 10 minutes each time ) i was forced to use the online platform. I informed Chase my account has been compromised and to close the existing account immediately and would make another attempt to contact them via phone. After more unsuccessful attempts I emailed Chase again a few hours later clarifying what happened and to resubmit me a new account with a new account number. Here is what followed : -Chase refused to provide me with a new account, this decision was made well prior to completion of investigation, violating our contract. 
- Chase provided untruth statements and without proper authorization submitted a brand new credit application. XXXX Chase has since acknowledged wrongdoing and removed the credit inquiry XXXX -I put Chase on notice via USPS and direct email correspondence payments would no longer be made until this account was rightfully resolved in compliance with our credit card agreement. 
- Further, I warned Chase about reporting inaccurate information to the credit bureaus concerning this account. 
- In spite of my clear communications Chase has reported this account as late to the credit bureaus. 
Due to Chase 's continued disregard for the law along with their reckless and deliberate violations the following damages have taken place. 
-My auto insurance increased XXXX monthly. 
- I have been denied a mortgage therefore unable to purchase a home- I have been denied credit- Most severely, I had a work promotion taken away by my employer XXXX XXXX after only two weeks of earning it. The promotion had entrusted me with personal and sensitive information of XXXX Michigan residence. The promotion also came with a monthly salary XXXX higher than what I was currently making. 
Next week I intend to file a lawsuit and will keep you posted.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. The account numbers as listed on statements from XXXX had the XXXX numbers listed as belowXXXX - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web portal therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. See attachments showing online payment directly paid to XXXX via my online XXXX account. XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement between both parties signed on XX/XX/2021, that derogatory information would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. I am requesting that this account is removed from my report.