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

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern please be advised my account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX purpose loan and should not be reflected or reported on my personal credit report. Please have them remove any reporting on my personal income immediately. Any credit reporting should only be reported on entity
Product: Credit reporting or other personal consumer reports

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my Equifax, XXXX, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

An account was opened on or about XX/XX/2017 with XXXX XXXX XXXX CT. A balance of {$5100.00} is being reported to Experian as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXX CT and Experian never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Experian is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXX CT nor Experian have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights.

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

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

I appreciate your assistance in removing part of the fraudulent information from my credit file, but thier is still unresolved account that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I had bought my husband a wedding band back in XXXX and got my loan through Synchrony Bank. I was going to pay for it in cash, but they insisted that if we went through the loan process we would get some sort of discount on my purchase. So I went ahead and did it. I didn't get a lot of information from them on this loan, I just knew I was setup to make payments every month to pay off the ring that was setup for me. I have never missed a payment. 

My husband saw our account this week that we were still having monthly payments taken from our account from Synchrony Bank. We both thought that was weird because the ring should have been paid off a long time ago. I was worried we had some sort of a credit because we had overpaid on the account. 

I called Synchrony Bank XX/XX/XXXX and they said I still had a {$850.00} balance on my account. I was in shock because the ring I bought my husband was around this amount back when I bought it in XXXX. I was finally able to get someone on the phone after waiting forever. They explained to me that the automatic payments that had been setup for me did not payoff my loan within 24 months of buying the ring. They said my interest had started back in XXXX and I was completely unaware. So after that they charge an interest rate of 29.99 %. Which is crazy! He said that I had aquired over {$600.00} worth of interest and that is why my ring was not paid off. Even though we do not have this kind of extra money laying around, I went ahead and paid off the entire balance, so we do not continue getting robbed by this ridiculous interest rate. 

I just don't like how this was handled at all. I will never use Synchrony Bank for anymore purchases ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ).
Product: Vehicle loan or lease

I purchased a vehicle from a car dealership whom used PAC Auto Financial to finance the vehicle. Despite encountered medical issues, and hospitalized I was unable to provide proof of insurance whom my insurance company made a mistake on then attempted to make amends for their mistake. At that point PAC would no longer work with the insurance company despite providing proof of being insured the whole time. I have reached out to them on several occasions to resolve the issues with them directly without any success. I now hired a company to pay them off, despite being over a year they have now threatened to call me several times a day to resolve the account with them personally, they have been rude, I have requested to be on the " Do not call list '', and I am actively paying them off with the company I signed up with. I have an account dedicated to paying to them, yet they will not stop calling me. It is relentless, I am in retirement and I can't get a break despite diligently working to resolve this issue. I am at a lost of ideas and don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX of XXXX, i filed a dispute Experian and XXXX about the Unverified account XXXX  XXXX  account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX  XXXX. During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. XXXX XXXX XXXX purchased the account from XXXX after bankruptcy was filed. XXXX  claims loan was reaffirmed, it was not. XXXX keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " XXXX ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted XXXX on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. XXXX said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that XXXX XXXX XXXX, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.
Product: Checking or savings account

Citibank, 45 days ago Citibank blocked my accounts specifically a Citibank checking account ending in XXXX. 

After calling the fraud division they informed me ( after submitting documentation from their Docusign system ) that my records had mismatched addresses but the customer service person refused to explain what the mismatch was.

I have called Citibank at least five times often being left on hold for long periods of time.

Citibank sent me Docusign files six times now : The first time I had to send either a pay statement or a utility bill. I followed Citibank instructions and sent the pay stub. A few days later I was told that was not sufficient and I needed to send a utility bill, which I did then. 

XXXX XXXX adds apartment numbers to their bill to indicate which floor/s the bill relates to. Mine has my address XXXX XXXX XXXX XXXX. This appears to be the mismatch that Citibank is using to justify blocking my funds. 

I have owned this house for 30 years. I have never listed my address this way in any application. This is a 3 family house and it doesnt make sense for me to designate my apartment designation.

I have attached the following : 1 ) Welcome letter from Citibank XX/XX/20 with my correct address for the account I am writing about. 
2 ) XXXX XXXX utility bill with the apartment listed with the XXXX designation which Citibank is using as a pretext for blocking funds. 
3 ) Current XXXX XXXX bill with correct address. 
4 ) Current XXXX bill 5 ) Current XXXX Dept of Finance bill which lists my correct address. 
6 ) To 9. Four letters dated XX/XX/20 from Citibank confirming requests to make changes to my address. I DID NOT MAKE ANY REQUESTS TO MAKE CHANGES. Two of the letters say they updated my address to add the XXXX XXXX XXXX designation. The other two letters say the exact opposite. AGAIN, I MADE NO SUCH REQUESTS. I simply am asking Citibank to unblock my accounts. This is my money not Citibanks monies. 
7 ) Today I was on hold for 30 minutes while various customer service representatives. The third one was supposed to get to the bottom of this until the call was dropped. How come the representative did not have the courtesy to call me back?

8 ) A copy of my email inbox which shows that I completed six times their document request via Docusign. The last three times I completed it, I then get another Docusign request asking for the same thing.

Citibank needs to be penalized for this egregious behavior. My funds have been blocked for over six weeks now. I have no judgments against me, I have an 800 plus XXXX  score. Clearly the mismatch ( the XXXX XXXX bill with the apartment designation of 12 Floor ) was entered into their computer system by Citibank.

Citibank needs to compensate me for their bad behavior.
Product: Mortgage

COMPLAINT AGAINST BANK OF AMERICA AND XXXX We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with Bank of America. Bank of America approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
XXXX XXXX entered it as a delinquent mortgage. 

It appears Bank of America sold the mortgage after accepting the proceed from the short sale as full settlement. Bank of America and XXXX XXXX are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove them, 1. XXXX Date of Inquiry XX/XX/ 2. XXXX XXXX Date of Inquiry XX/XX/ 3. XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 4. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 5. XXXX  Date of Inquiry XX/XX/ I did not consent to, or authorize nor benefit from any of the following account. Block and remove it, XXXX XXXX XXXX XXXX Balance {$100.00}
Product: Credit card or prepaid card

I had stolen my Identity and someone had made lots of Fraudulent charges from XXXX. 
I had never had authorized these transaction.. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, 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. ''
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of my XXXX XXXX account ending in XXXX on my credit report. Despite my efforts to resolve this matter directly with XXXX, TransUnion and XXXX, the reported information remains inaccurate and misleading. The issues include but are not limited to : Incorrect Balance : The credit report lists a balance of {$250.00}, which is inaccurate and does not reflect the payments I have made. Contradictory Account Status : The account is reported as Closed but also listed as Current, which is contradictory and misleading. False Dispute Resolution Remark : The report states, Dispute resolved ; reported by grantor, despite no proper resolution or documentation from XXXX  XXXX. These inaccuracies have negatively impacted my financial reputation and violate my rights under both federal and state consumer protection laws. Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit agencies must ensure the maximum possible accuracy of information. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of disputed information within XXXX  days. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information must correct or delete inaccurate data after receiving notice of a dispute. Fair Credit Billing Act ( FCBA ) : 15 U.S.C. 1666 : Despite repeated requests under 15 U.S.C. 1666 ( d ), the company has failed to produce essential documentation validating the accuracy of the alleged debts, including books of accounts, invoices, or transaction records. Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ) and Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) : 73 P.S. 2270.4 : Prohibits creditors from reporting false or misleading information. 73 P.S. 201-3 : Deems false credit reporting an unfair or deceptive practice. Attempts to Resolve : I have contacted XXXX, TransUnion and XXXX to dispute this matter but received no resolution. I also contacted XXXX XXXX, which failed to provide supporting documentation or correct the errors. Harm Caused : The inaccuracies in my credit report have caused the following issues : Lowered Credit Score : Affecting my ability to obtain financing or favorable terms. Emotional Distress : The prolonged dispute process has been frustrating and stressful. Potential Financial Loss : Due to higher interest rates and limited financial opportunities.
Product: Credit card

I schedule my monthly payment and they are canceled by the credit card company and then Im charged a late fee. I ask for an investigation and to waive the late fees, then I get a email saying denial to waive late the fees. This has been going for 2 months.
Product: Debt collection

I paid a collection account in full. The collectionr agency is still reporting a blanced owed. They agreed to remove the collection account with in 3 days of payment. See confirmation where they say I am paid in full, but show I have {$140.00} cents balance and then reporting i owe {$430.00} on all three of my credit reports. Which is it, cause it cant be all three. Their actions are impedeing me from obtaining a place to live. They should have reported it on the XXXX XXXX, 2023 as they report daily. See below Original Creditor : XXXX XXXX XXXX  Creditor Name : Midland Credit Management , Inc . 
Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/2023, you made a settlement payment of {$280.00} towards your initial balance of {$720.00}. We are happy to confirm that this payment settles your balance. 

You're all set! 
Note : If you paid with an ACH transfer and the payment gets returned by your bank for insufficient funds ( NSF ), we'll reach out to you again for payment as the payment will still be due. 
Sincerely, XXXX XXXX, XXXX A Professional Debt Recovery Agency This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Here is what is being reported on my credit report : MIDLAND CREDIT MANAGEMENT Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX Original creditor. 
They must be fined for false reporting.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of certain accounts and inquiries on my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to maintain its accuracy.

Please remove the following accounts from my credit file : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX  account number : XXXX
Product: Payday loan, title loan, or personal loan

I made a large payment that was received XXXX, it was not processed until XX/XX/XXXX per Customer Relations Mgr. Online there is a Negative balance and incorrect payment due amount that does not reflect the same on the creditors side. Payments have been taken and cleared for the payment that was made, however the Creditor claims that since it was by check that there are 12 days they can hold the account without updating it and reflecting updated balance available credit and min payment due. Per my acct it is inaccurate and the Creditor never disclosed these services of when a check is mailed in and the time frame it takes to clear an account and update the account to reflect accurately. My acct # XXXX with upgrade is reporting ( negative ) XXXX current balance XXXX and credit limit XXXX with payment of XXXX due. This is all wrong my payment posted per activity uploaded that the payment was credited XXXX the current uploads are as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX