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

I closed on a property. Attorney gave me a check for proceeds from the attorney 's escrow account. 
I deposit it XX/XX/XXXX. 
I realize a few days later it says it won't be accessible until the XXXX. So I complain, I go to the chat feature and am told there's nothing they can do. So I then reach out to the banking representative. Told same thing. Then I check it today and see the date was changed from the XXXX to the XXXX. It's like they were punishing me for complaining. 
So I fumed all night and went first thing to the bank to find out why that was lengthened and to see if thdy can help, because it clearly says " PROCESSED '' and has for days.

I'm told there's nothing they can do. 
That is unacceptable. 

I told every single one of those people that I own a home in XXXX NC mountains that was damaged. It is a second home so is not eligible for XXXX funds. I need to cover the roof to protect it from further damage as XXXX XXXX is approaching. I am not unreasonable in my expectations or request. Their holding that money that long is causing me sincere distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX INQUIRY ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION
Product: Debt collection

account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 to be updated. 


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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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: Debt collection

Ive mailed out letters to this company and they have not responded to any of my letters. They are reporting that I owe a debt which is not mine and causing my credit score to decrease. This is my final request for them to contact all 3 bureaus to have this account removed from my report before I seek counsel and I will be seeking damages as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and permanent deletion of fraudulent accounts and inquiries that have been added to my credit file without my authorization. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted : XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$7300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$680.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. EXPERIAN  XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX has violated my rights when it comes a public that is on my credit report Bankruptcy. I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. There was letter of verification requests to all credit bureaus certified, documents along with a proven delete report from XXXX XXXX for their file in XXXX and the most recent one in XXXX along with drivers license social security SSN proof of residence, proof of certified receipts, statement letter of my legal name change to XXXX XXXX is pending and an actual proof letter of request to bankruptcy court and the response from bankruptcy court. The only response Ive received in return was nothing stall letters from all credit bureaus. All the credit bureaus are doing copy any paste off each others information without any research which is illegal, falsifying information, plagiarism and can lead to major lawsuits. My question is where did they get their information from if XXXX XXXX found the mistake deleted and the letter from the courts states that they don't give out that kind of information And according to the fair credit reporting act Whenever a 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 generally, 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 supposed 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

I received a call from Security Credit Systems , Inc XXXX twice to my direct work line. I 've already requested that they do n't contact my employer last year. I received a call today and the collector threatened to contact my company about my debt. I know that he is unable to do that. He was rude and railroad me. After I asked him again to not contact at my place of work. Caller refused to tell me what the debt is for.
Product: Debt collection

Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX-XXXX-XXXX Phone XXXX-XXXX-XXXX Fax XXXX I have been trying to contact XXXX and now ditech financial concerning my Deed of Release. XXXX is the servicing agent listed on XXXX, however they said they sold the debt to ditech. Ref # XXXX-XXXX. 

I need to clear this matter up ASAP Ditech financial is " Clouding my Title '' without proving evidence that I owe a debt. To my knowledge I never took out a second mortgage. 
This is very alarming ... 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a police report via fax and postal mail on XX/XX/2020 to equifax. However they are stating they havent received anything, I have been transferred to multiple representatives each starting there is nothing to be done because they havent received the report. I am trying to dispute a fraudulent account that is on my report twice for the same company that doesnt belong to me.
Product: Mortgage

My XXXX passed away on XX/XX/XXXX. At the present time I was with Bank of America, XXXX XXXX. Due to BOA and their problems at the time, I was refused many times for a modification. Claiming I was not that of a normal person, I wasn't living in the house which I was. Denial after denial. Failed Then the Mortgage was sold to XXXX XXXX. in XXXX falling behind and having to use my annuity from my husband to keep up with mortgage. When the XXXX took over in XXXX it was noticed by myself that the mortgage was refinanced without my knowing. My XXXX  husband 's Social Security income was used and also my annuity as income. Fraudulenty changing the interest rate from 7.65 %. I asked XXXX XXXX about this many times. I then again tried with XXXX XXXX  for modification and turned down due to have my rate dropped down to 2 % and mortgage never changed in what was payable. Still pay over XXXX per month. 
Then it was changed to XXXX XXXX. I explained many times that I never refinanced the home at it was just changed over to XXXX XXXX XXXX. As I was not on the Note but the Deed and mortgage. Same situation, no one would listen and turned down constantly for a modification. It was fixed so I couldn't modify at 2 %. While all this time was being put in more debt all along. I was forced to sell my home as it was being watched by XXXX XXXX and pictures taken at least once a month. Mortgage was at XXXX a month. In XXXX Principal balance was XXXX. In XXXX I owed BOA XXXX My mortgage went up to XXXX so my questions were never answered by any of the 3 Banks. Here I sit in XXXX dollar mobile home in Florida that is falling apart. All of the mental diress that I had to struggle through because of all this fraud. So therefore, the monies paid were all fraudulent. Denials, I do have much paper work still to show what was happening to me ... XXXX XXXX XXXX XXXX Attorney office was also of no help to me. Went to Attorney General office in XXXX, Ma for help. All programs just slammed me into a wall.
Product: Debt collection

XXXX offered me internet service for my house I signed a contract, when technician went by my house to install he informed me that the XXXX  company is not able to provide services in my community including my house this happened back XXXX. I visit the administration office to let them know the situation, how amI going to pay a service that Im not receiving, they transfer me one agent to another with out a concluded contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax written instructions according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Equifax is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Equifax to carefully read my written instruction and grant me my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and inconsistent information reported regarding the XXXX account ( account number XXXX ) on my credit report. After communicating with XXXX XXXX Executive Office, I have been provided details that contradict what is currently reported by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s2, furnishers of credit information are required to report accurate and consistent information to credit bureaus.

Here are the specific discrepancies between what XXXXXXXX XXXX  alleges and what is reflected in my credit report : Date Opened : XXXXXXXX XXXX alleges the account was opened on XX/XX/XXXX, but there are discrepancies in the credit report where it shows different dates across bureaus. 
Date Reported : XXXX lists the " Date Reported '' as XX/XX/XXXX, while XXXX shows XX/XX/XXXX, and Equifax reflects XX/XX/XXXX. These inconsistencies must be corrected for uniformity. 

Date of Last Activity : XXXX XXXX alleges that the last purchase on this account was on XX/XX/XXXX, and the last payment made was on XX/XX/XXXX. However, the credit bureaus are reporting varying dates of last activity, which leads to confusion and potential negative impact on my creditworthiness. 

Charge-Off Date : XXXXXXXX XXXX  alleges that the charge-off occurred on XX/XX/XXXX, but this information differs across credit bureaus, leading to inaccurate reporting of the account status. 
Last Payment Date : According to XXXX XXXX, the last payment on this account was made on XX/XX/XXXX, but my credit report lists differing last payment dates. 

These discrepancies are causing harm to my credit score and standing. As outlined under 15 U.S. Code 1681s2, furnishers are required to provide accurate and complete information. I am requesting that you investigate these inaccuracies, update the account information across all three bureaus, and ensure that the data is consistent with the details alleged by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to use Klarna to buy a product from XXXX XXXX XXXX. Klarna advertises themselves as XXXX with only soft inquiries. However after I tried to make the purchase I got a hard inquiry on my credit report. At no point in time during the process they mentioned anything about a " hard '' inquiry, they used the term credit verification which is very misleading noting the very " clear '' marketing and advertising that they only pull soft inquiries. I tried to dispute with the company but they said it was written in the terms and conditions, and when I asked for a copy where it says hard inquiry they failed to provide one. 

Here 's a copy of their website. 
https : //www.klarna.com/us/customer-service/klarna-perform-credit-check/ During the check our process they had a small note that says " we will do a credit verification '' which is again very misleading as they don't intentionally use the word soft or hard when they are clear that they do soft verification.
Product: Money transfer, virtual currency, or money service

ID FOR COMPLAINT # XXXX Hours after I filed the complaint with the CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX eligible money, so that the person in my country could withdraw it, without giving a reason, or any investigation case number, not giving any explanation of the right or law, they withheld the money, I withdraw the complaint since everything was resolved resolved today XX/XX/2023. 
if it is convenient to transfer these suspicions case to any investigation department that is interested in this case, to protect the consumer and avoid fraud or use of personal data in illegal illicit things. I agree, especially the payer in XXXX thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid Of my XXXX loan. Took weeks to show on credit report as paid off. 
Added 3 late payments to credit report which did not happen.
Product: Debt collection

Since they ignore this on XXXX We are talking about the XXXX trade line now, which I've vehemently denied owing anything to them or you all. I've told you all that I never received any debt verification in the time allotted ( which automatically makes the trade line in slide and by law needs to be deleted ) but I also contacted this company through their own website to which I never received a response asking for the same things. I don't rent from XXXX, nor do I owe them any money BECAUSE I never rent from them, never had a reason to, I have my own car. XXXX never provided me proof, nor did this company... .I 've gotten so many fraudulent accounts off my credit, since I've actually learned and looked at my reports, and this is CLEARLY another one. Remove the tradeline for XXXX off of all my credit reports, ( XXXX, XXXX, XXXX ) IMMEDIATELY & Permanenetly! My attorney has told me I've been extremely patient, but I'm trying to avoid litigation as it's honestly a slam dunk because there is no proof of me owing the XXXX debt ... .BUT that doesn't mean it won't start in an instant as I'm tired of this and am trying to resolve this to move on with my life. DONT make this harder than it has to be... .just delete the XXXX tradeline XXXXnder you alls name and this stops ... .Do n't... .and you will be sued. Last time I'll say this.
Product: Credit reporting or other personal consumer reports

In reviewing my credit on XXXX I noticed several accounts in collection that are not mine, I have no knowledge of, and didnt give anyone permission to open. I disputed these items with the credit bureaus that were showing them on my report via certified mail via the USPS. I have my receipt for these letters and they are all listed as delivered via the tracking number when checking the XXXX website. I sent one letter and didn't get any responses. Then after 45 days of no reply I then sent the certified letters. The first letter I sent was via regular mail and not certified. I got a reply from Experian and XXXX stating they thought my dispute was fraud. In my letter I asked them to validate the debt, as its not mine, they were unable to do that and when I called they said they didn't need to validate the debt they just take the word of the collector. The debt that is showing on my credit report is not mine and the debt was sold to creditors. My rights have been violated. I didn't agree to a debt that is not mine to begin with being sold to a creditor. I need to have these items removed as they don't belong to me and I have no knowledge of them. This has prevented me from buying a home for my XXXX children as a single mother. I pay my bills and debts but I refuse to be head accountable for items that are not mine and I have no knowledge of. Please help me the credit bureaus are not honoring my rights as a consumer. Thank you for your time. I have asked for a fraud alert to be placed on my credit reports through Experian and they stated it would be in effect with all bureaus as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish 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

I contacted TransUnion and in regards to removing inquiries off of my credit report being that i was a victim and there inquiry issues. For XXXX ( XXXX ) inquiries on my credit report. As followed XX/XX/XXXX 1 ) XXXX XXXX XXXX, 2 ) XXXX and 3 ) XXXX XXXX XXXX. XX/XX/XXXX 4 ) XXXX XXXX XXXX and 5 ) XXXX XXXX XXXX XXXX. XX/XX/XXXX 6 ) XXXX. XX/XX/XXXX 7 ) XXXX/ XXXX. XX/XX/XXXX 8 ) XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 9 ) XXXX