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

I have hard inquires on my credit report that I did not authorize. Hard inquiries such as : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries.Fraud alerts has been put in place with the credit reporting agencies. Identity theft has also played apart in hard inquiries and accounts. Accounts such as XXXX, XXXX, and XXXX. Letters were sent to all three agencies requesting debt validation for those three account, I have not received any response regarding my request for the hard inquiries and accounts to be removed from my credit report if they are unable to validate debt.
Product: Checking or savings account

Today, I called Huntington Bank, at ( XXXX ) XXXX, to close my Huntington Unlimited Plus Business Checking account. The account has a XXXX balance and is in good standing. 

I was told by the first rep I must step into a branch to close the account, even though I am at least XXXX XXXX XXXX from a branch, and the account was opened online. I asked the rep if she thought it was reasonable for me to journey that far, to close an account, and asked if she could show me in the account opening terms and conditions where it says I must close the account in person, but she did not answer. 

I asked to talk to a supervisor, and she told me the same thing, and did not answer the same questions above. She then told me I had to work with a local branch; transferred me to another person, perhaps a branch. 

The branch rep, then said the main customer service # ( XXXX ) XXXX was the only way to close the account, transferred me a third time, at wich point I was given a voice menu offering travel or insurance service options, wthout the familiar Huntington branded preamble for the voice menu. It seemed like a purposeful transfer to an non-Huntington Bank company to get rid of me without assisting.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made 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 reported in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

During Covid, our mortgage company at the time, SunTrust, allowed us to put our loan into forbearance due to hardship. They sent a letter indicating there would be no fees or penalties while in forbearance. We went into the process with approx $ XXXX left on the loan. 

At the end of the year long forbearance, we agreed to move the unpaid $ XXXX to the back of the loan and pay in a lump sum at the end of the loan. Our next mortgage statement at the end of forbearance showed we owed $ XXXX. Apparently they added the $ XXXX to the end of the loan and didn't take into consideration that it should be removed from the main balance... not just added to the end of the total as if we borrowed another $ XXXX. 

I contacted SunTrust to ask them to explain how the amount was added on as if borrowed additional funds when the initial forbearance paperwork stated that I would not incur fees or penalties. I went to the XXXX. During the entire time and every phone call, SunTrust would not give me a calculation on where they got the added on funds ( without removing them from the original balance ) and even hung up on me when I pushed for calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. I'm looking forward that these will be resolved as soon as possible. 
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 XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX XXXX Date : XX/XX/XXXXXXXX  Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX, XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I have a mortgage with XXXX XXXX that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The XXXX account was not included in his bankruptcy. I did not file bankruptcy and never have. XXXX XXXX has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. XXXX has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at XXXX and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need XXXX to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Names I never used or go by XXXX XXXX XXXX  And XXXX XXXX I asked to be removed still on report asked for it to be removed multiple times even after being told it will be removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX reports that I am over XXXX XXXXays late for my car payments to the credit bureaus I am not late at all. It is reducing my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a official copy of my credit report from XXXX  and derogatory remarks was removed from XXXX as credit reporting agency as Prestige Financial Services made contact with XXXX   to remove the negatives from my credit report. 
Why would XXXX falsify on deletions of negative on my credit report as XXXX gets a electronic or Verbal message from Prestige Administration.

I am respectfully requesting that Department of Justice ADA and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. 
I am respectfully requesting that XXXX, XXXX, XXXX to delete all Unauthorize Hard Inquiries on my credit report and also for XXXX and XXXX  remove the Bankruptcy on my credit report. 
As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. 
Respectfully. US Senator XXXX XXXX has beel alerted on issues with Prestige and I signed a Privacy Release for Federal Investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant  documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case.

But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXXXXXX XXXX XXXX*, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX. XXXX XXXX, Date OpenedXX/XX/XXXX Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my FTC report, in case they need to reference or review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went from NO CREDIT SCORE to XXXX one year and a half by paying my obligations ahead of time, higher then required payments. I have NEVER MISSED a PAYMENT, ALWAYS PAID MORE than PAYMENT DUE! 

THIS CAN NOT BE VALIDATED BY SOME COMPUTER FORMULA! 
ALL AMERICANS ARE DIFFERENT, UNIQUE AND DESERVE TO BE TREATED AS SUCH! THERE IS NO COMPUTER FORMULA THAT CAN VALIDATE THESE CREDIT AGENCIES REACHING THEIR SO-CALLED DATA MAKING DECISIONS and only " FOOLS '' who believe they CAN! Credit Agencies have shown to be lax in acquiring current accurate data on EACH AMERICAN CITIZEN! Make it next to impossible to correct that data! EVEN POORER SECURITY for this DATA! These Credit Agencies ARE NOT BETTER THA XXXX WHEN IT COMES TO HANDLING-SECURING OUR DATA! AT LEAST XXXX ACKNOWLEGED IT! 

How Disparaging-WHY SHOULD ANYONE TRY TO MAINTAIN THEIR CREDIT SCORES WHEN HAVING YOUR CREDIT SCORE CHANGE with a SEGREGATIONIST ATTITUDE, which decribes CREDIT AGENCIES. 

IT SEEMS THAT AMERICAN CITIZENS, WHO HAVE INCOMES LESS THAN A MILLION PER YEAR! THESE Agencies are Biggoted! THEY WILL RUIN A PERSONS CREDIT BY USING FORMULAS THAT DO NOT APPLY TO EACH AMERICAN CITIZEN AS AN INDIVIDUAL-SEGREGATIONIST! 
These credit agencies believe the general public ( American Citizens ),  DESERVE HAVING A BAD CREDIT SCORE-EVEN THOUGH YOUR CREDIT SHOWS NO MISSED OR LATE PAYMENTS! THEIR HYPOCRISY ONLY PADS THEIR POCKETS AND RUINS AMERICAN LIVES ; CAUSING STRIFE TO AMERICAN CITIZENS WHO DESERVE MORE, CAUSING POOR ECONOMICS FOR AMERICAN CITIZENS! 

I Charged instead of paying CASH from SAVINGS. MY CREDIT CARDS are INTEREST FREE still for almost a year. I am saving money collecting interest on my savings account! 
DOES THIS SOUND LIKE A XXXX CREDIT SCORE PERSON? 

I SURMISE THESE CREDIT AGENCIES DROP A PERSONS SCORE TO BENEFIT From Companies Who Charge More FOR LOW CREDIT SCORES! 
I was talking to XXXX XXXX on XX/XX/18 and my credit score dropped to XXXX. I WORKED EXTREMELY HARD FOR THAT CREDIT SCORE OF XXXX! 

I was advised by Credit Agency to get a couple of credit cards to help build my credit score faster! I did and got SHAFTED for doing so!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed a leak and therefore mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.
Product: Credit card or prepaid card

On XX/XX/19 my full balance payment of {$280.00} to Kohls charge card posted to my account 2 days late ( due on XX/XX/19 and XX/XX/19 was legal holiday ). I did not realize that it posted late or that I had accrued a late fee. I thought I had a XXXX   balance. I was not aware of any other statements that stated I had a late fee. 
On XX/XX/19, my XXXX account notified me of a 75 point drop in credit ( from over 800 score previously ). I immediately investigated and found that I had a {$27.00} late fee + {$2.00} interest incurred from XX/XX/19 and called Kohls to pay the late fee charge over the phone. 
Over the past 6 months, I have disputed with XXXX and sent letters to Kohls to get the late payment charge for the late fee removed. The last response from Kohls refusing to change the credit reporting was XX/XX/19. The purchase balance was never 30 days late-it was 2 days late. It was the late fee that I did not know about that affected my credit report. I contacted Kohls last month and they actually reversed the {$27.00} fee that was charged on XX/XX/19 but they will not remove the late payment reporting for that {$27.00} charge plus the {$2.00} interest fee for a total of {$29.00}. I am unsure why I am still being penalized for a late payment for a late payment fee that was reversed. This has taken my credit score from over 800 points to XXXX and affected my ability to get a good interest rate on a refinance ( it is now in my husbands name only since my score affected our ability to get a prime interest rate ). 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request ( XXXX ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX  Balance : {$1400.00}
Product: Checking or savings account

I have been using Chase Checking account, Saving account and credit cards for the past 14 years. I made direct deposit every month ( my W2 income ) and I never missed a payment. 

On XX/XX/2021, I first could not use my credit cards and checked online banking and found that all of my credit card accounts with Chase were closed. My debit cards were closed later in the month. There was no email, mail, phone, text or any sort of communication from Chase regarding the closing of the accounts. They just closed the accounts like these accounts never existed. I realized my accounts were closed when I tried to swipe cards in a store and it never went through. I have linked many autopays to the chase checking account, and this caused several return check fees. 

I called Chase, including customer service , fraud department and some departments they transferred me back and forth. The experience was the WORST of worst. When they heard that my accounts were closed by Chase, they did not treat me same as before. I cried several times for this kind of treatment. I list some below : - Told me to wait then let me wait in the line for more than THREE hours and never got back to me. 

- After several transfers, a customer service staff cut off my words and hanged up the phone directly when I was still speaking. XXXX- that was the only word I could think of at that moment. 

- Had many calls, nobody could tell me why my accounts were closed and why there were no communications. They just said - I DONT KNOW, and I don't know who knows. 

- Sent msg through Chase online system. Received a reply saying that somebody will contact you. And nobody ever reached out. 

After all these calls with Chase, after a lot of cries, I felt strong HUMILIATION as a loyal customer for more than 14 years and Chase was the only checking account I had for the entire 14 years. When they closed your accounts, they did not inform you, they did not disclose the reason, and they did not want to communicate with you AT ALL. You will feel you were abandoned after you got 14 years direct deposits to Chase... This is HORRIBLE! How can Chase treat a customer this way?? Is this the right way to do things?? I strongly regret that I have recommended Chase to my friends. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I really hope Management from Chase can see this complaint and tell me whether this is right to treat a customer of 14 years. Is this the Chase Style? What's wrong with Chase?
Product: Credit card

CALIFORNIA SECRARY OF STATE ( COMENITY SERVICING LLC ( # XXXX ) Comenity Bank XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Description of complaint : I had a balance was {$1600.00} on my Victoria Secrets credit card. I paid off the account with 2 payments on XXXX for {$900.00} & {$780.00} totaling {$1600.00} inside a store location with cash. I got the statement today ( XX/XX/ ) and it shows that this business still charged me interest of {$19.00} even though the account was paid off prior to the interest occurring XXXX This is an erroneous charge. 

XXXX XXXX XXXX Complaints ; XXXX  complaints closed in last 3 years 2,148 complaints closed in last 12 months Other Complaints Filed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Other Complaints Filed - California State Attorney Generals Office XX/XX/