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

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX XXXX it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XXXX-XXXX. Two are  XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XXXX and then in XX/XX/XXXX. One or more other lender ( XXXX ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

On XXXX  XXXX I got an offer from XXXX  XXXX stating see if im pre-approved for a card No impact to my credit. So I applied for a card.was approved for a quick silver card. XXXX XX/XX/XXXX and XXXX trans Union and XXXX sent XXXX XXXX messages, texts, saying a credit check was done by XXXX  XXXX. ON XXXX XXXX XXXX XXXX called XXXX  XXXX fraud Department to ask about The credit check. XXXX XXXX took The dispute and said they would connect XXXX XXXX with a update. So on XX/XX/XXXX XXXX XXXX never received a card. Called XXXX  XXXX on XXXX  XX/XX/XXXX for an update on The card and XXXX  XXXX stated we closed The account wait for an letter No other information.
Product: Vehicle loan or lease

I had paid this loan with JP Morgan Finance - never missed a single payment and then they charged me late fees for XXXX $ for 2 months as they did not send me the closing documents of the loan and final pay off in the right address.I spoke to the customer service multiple times and after researching they told me they will remove this from my credit report both late fees and the negative reporting but this has not happened since XXXX.I can be reached at XXXX with any questions or details.I will have to report this to state attorney general office and seek a legal remedy as well.
Product: Credit reporting or other personal consumer reports

l am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : COMPANY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As you could see from the settlement letters, all the following accounts have been paid and settled. There should be a zero balance on the accounts. However, the companies reported balances to the credit bureaus causing my Credit Fico score to suffer a lower status. The lower Fico score will keep me from obtaining lower rates, qualifying for home opportunities, cause higher interest rates on car buying opportunities and could even prevent me from gainful employment in some cases. Especially during this pandemic, work is essential and Better Credit Fico scores open doors for better opportunities. I am being restricted from those better opportunities while the following companies report incorrect information regarding my accounts. Please review the settlement letters below and dispute with the companies. Thank you : 1. Capital One Bank ( Credit Card ) Account XXXX Status : Paid {$2100.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 
Judgement in court satisfied XX/XX/2021 as seen in the documents. 

2. XXXX XXXX XXXX XXXX, XXXX XXXX Account XXXX Status : Paid {$790.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 

3. XXXX XXXX XXXX XXXX XXXX Car loan ) Account XXXX Status : Paid in Full as of XXXX XXXX. Balance should be {$0.00}. 

4. XXXX  XXXX XXXX XXXX Credit Card ) Account XXXX Status : Paid {$670.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}.
Product: Credit reporting or other personal consumer reports

On the first of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX I am refinancing my house with Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX Sovereign sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX, MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for 2500 sqf big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX
Product: Credit card or prepaid card

I was informed of BBVAs acquisition by PNC bank via email notification. When I went to pay my bill on PNCs mobile banking app I was not granted access and was informed that in order to receive access to online banking I was required to open a PNC checking account. I declined opening a checking account and visited a branch to make my payment since no online payment options are available without a PNC checking account. When I went into the facility they informed me that I was also going to be charged a bank draft fee to make my payment. After trying to find a resolution to make my bill payment more accessible to me I was told that I would have to come into the branch and pay the fee every time I wanted to pay my credit card balance. I let them know that I would be completing a balance transfer and moving my remaining balance to another bank that has more excess will payment options. A couple of weeks after I was informed that per my request my account had been closed at PNC Bank. I had never requested for my account to be closed and now I do not have any accessible options to view my payment amount or due dates. They are threatening to send my balance to collection but still will not provide an accessible account payment option.
Product: Debt collection

I recently pulled my credit report on XXXX and I found this account in collection. The creditor has not verified the debts. I'm going to write a letter demanding to see the verification of the debt but I wanted to seek your help as well. 

Account Name : Diversified Consultant Open Date : XX/XX/2017 Balance : {$160.00}
Product: Credit card or prepaid card

I have had this Chase IHG rewards credit card for a long time and always paid in full the balance owed each month ( see attached credit card statements showing payment in full each month ). I received a letter from Chase ( see attached statement ) dated XX/XX/XXXX informing me that they were closing my account and listed the reason as : " because our affiliate is ending their banking relationship with you '' I called them to understand what their reason meant, but was told that they could not give me any additional information. 
I then received a check ( see attached ) from Chase telling me that there was a settlement in the Chen vs Chase and that I was entitled to for previous credit cards that Chase had abruptly closed between XX/XX/XXXX and XX/XX/XXXX. See attached. 
So what I fail to understand is that if Chase agreed to pay a settlement for closing accounts between XXXX and XXXX for the same reason that they closed my Chase IHG account in XXXX, how does that make any sense? And by the way my credit scores with all three agencies ranges from 780 to 820 at any given time. 
I would greatly appreciate any help in getting this matter resolved. I do have other credit cards with other banks such as XXXX  XXXX XXXX and XXXX but it is the frustration and anxiety caused me by the revoking of my Chase credit cards ( both in the past and now ). As in XXXX I asked Chase to explain why they took this action and as in this case now, they refused to answer. I even hired an attorney in XXXX to write to them but to no avail. They simply refuse to give any details other than : " because our affiliate is ending their banking relationship with you ''. 
Your help is greatly appreciated. 
Sincerely XXXX XXXX XXXX
Product: Mortgage

At the end of XXXX 2015, I was contacted by Secure Lending Inc at XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX to Refinance my home Mortgage. Within XXXX days a notary was at my home having my wife and I to sign papers and give documents. The process was to conclude by mid XXXX. However continue to get requests for similar documents and the mortgage did not closed in XXXX. Reason given the Finiance company was slow with process. We were told not to pay XXXX 's mortgage, so when it did not close, we had to pay a {$63.00} late payment. We continue into XXXX 2015 and received repeated request for docucments, which we supplied. We got to the end of XXXX and gave them all requested information. Mortgage still did not closed. Reason given Secure Lending did not review documents and Mortgage was rejected. We had to pay another {$63.00} and it resulted in our mortage being paid after XXXX days, causing issues with our lender and damage to our credit.
Product: Debt collection

Williams and fudge trying to collect for a debt that is not owed to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All 3 accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX Equifax Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX I dont have any installment loan with XXXX  XXXX XXXX  XXXX XXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX  XXXX XXXX I never written any checks from XXXXXXXX XXXX XXXX XXXX XXXXXXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page 6 of 9 ) I gave Equifax a copy of the CFPB and they ignored my request to delete account I gave Equifax a copy of my FTC filing stating that the 3 accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all 3 accounts are inaccurate on all 3 credit files and 15 usc 1681 states credit files have to be 100 % accurate Equifax stated they did an investigation however all 3 credit files are still inaccurate I want all 3 accounts deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep seeing the same issue reported by Westlake Financial stating my payments were late 30/60 days and my vehicle was charged off. I have disputed this multiple times but nothing has changed. XXXX keeps listing this information. Plus, they show similar information on XXXX and XXXX. Yet, those two are not showing the same information regarding Westlake. I did submit a screen shot to all 3 bureaus as well as Westlake showing every payment being made on time as per the bankruptcy agreement.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I was approved and received a loan of {$450.00} being told over the phone that overall payment throughout the terms of the loan would {$450.00} plus {$120.00} in interest or around {$570.00}. I've since paid {$200.00}, plus two {$130.00} since. After calling them I was told I would still owe 5 additional bi-weekly {$130.00} plus {$20.00} after. Total amount of over {$1000.00} or 100 % over principal amount. Is this company legal in California? I realize now I never received a copy of my loan agreement or terms of payment.
Product: Credit card or prepaid card

BJ 's Perks MasterCard My XX/XX/2020 statement was a PURCHASE balance of {$72.00} which was due on XX/XX/2020. 

On XX/XX/2020 I paid {$75.00} which appears on my XX/XX/2020 statement, within this same statement there is a {$6.00} Interest charge for purchases. 

However, the Purchases were Paid in Full prior to the due date of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to obtain the credit to which I am entitled because XXXX, XXXX, and Transunion are ignoring my repeated disputes of numerous accounts that are being reported to my consumer report that I never initiated.They are REQUIRED to abide by the exercise of my right to prohibit the information from being used in connection with transactions that I did not initiate pursuant to 15 USC 1681m ( d ) ( 1 ) ( D ). 

I am a victim of identity theft and I have repeatedly requested that the credit reporting agencies block the information being reported pursuant 15 USC 1681c-2. The supporting documentation for the block of information has been on file since 2018 which includes the affidavit of identity theft, identity theft report, written statement, copy of driver 's license and copy of social security card. 

According to 15 USC 1681, false information being furnished to my consumer report is defamation of my character.

The accounts being disputed are being furnished by creditors that are not licensed to conduct business in Louisiana which makes all purported obligations null, void unenforceable, and uncollectible as against public policy of this state pursuant to La. R.S. 9:3518.4 ( a ) ( 1 ). 

They are purporting to have completed investigations of my disputes in just 24-48 hours have failed provide an explanation or a list of reasons. The credit reporting agencies are damaging my reputation and causing me credit discrimination.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 our account was accessed by a hacker despite TD bank advertising fraud protection. The hacker managed to drain our accounts over several days. TD bank has not been wiling to help us find or resolve this issue even though they have the hackers bank information where they sent the money.
Product: Debt collection

Auto loan settlement was paid in full, as agreed. 
30 days later a new bill, under the same acct number was mailed to me. Now stating there is a past due amount. The account has been paid in full, a month early. 

Radius global continues to verify the account is paid in full, yet continues to bill and report to credit bureaus that the account is defaulted and past due. 
On XX/XX/21, spoke to Mrs XXXX ( original contact person ) she stated it is an error and the account is in fact paid. She stated an email would be sent showing no payment is due. 
The company refuses to send me verificattion of a paid account, is reporting to the 3 major credit bureaus and continues to add late fees and unpaid amounts to a closed account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has been sent documents relating to this for the past 6 months and still chooses to report 2 accounts on my credit on XXXX that arent mine. I want these removed.
Product: Mortgage

Due to the Covid-19 Pandemic, I had to file Chapter XXXX Bankruptcy in XX/XX/XXXX. I have an FHA loan. At that time my homeowners insurance was renewed. This made my payment increase $ XXXX a month. I called the mortgage company to get the homeowners insurance removed from my escrow account. Arrangements had been made with my insurance company to bundle auto and homeowner 's insurance together, whereas I would get a discount. I called my mortgage company several times and made numerous requests to have the homeowner 's insurance removed from my escrow account. Finally, about a month ago I was told I had to submit my request in writing. On XX/XX/XXXX, I submitted my request in writing. Today, XXXX XXXX, I called the mortgage company only to be told that I could not remove my homeowners insurance from my escrow account because FHA loans require this. 
Meanwhile, never during any of these phone calls did anyone let me know that I had missed a mortgage payment. ( 2 actually ). For some reason if you are in a bankruptcy, you are not afforded the same notifications as other homeowners. I can not access my online account because I am in a bankruptcy, nor can I make a payment though my online account due to the bankruptcy. 
Then on XXXX XXXX, I receive an email ( 2 days later an actual letter ), from my bankruptcy attorney, stating the mortgage company is requesting a Motion of Relief due to being 2 months behind in my mortgage payment. The first payment that was missed was in XX/XX/XXXX. I was never notified or told. Meanwhile, I am being billed for the new payment amount for the homeowner 's insurance and no one is telling me I can't get it removed from my escrow account. It seems that if you are in a bankruptcy you have to do everything and they don't have to give you any type of information. They constantly sent me to the wrong department, no one there knows what they are doing. 
I am in a bankruptcy for the arrears, but am still responsible for the remainder of the loan. 
Most dangerous of all is, I could lose my house due to there incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXG, XXXX Account # # # # # # # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

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

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

In my last complaint Experian billed my wife and I two {$1.00} fees each to unfreeze credit. Now they are hitting our credit card with a {$23.00} monthly recurring fee for something we did not authorize. 

Calls to the company is an endless loop through an automated voice mail system. Pleased use the force of the US gov't to get my money bank and to stop this recurring fee, thanks, The XXXX 's
Product: Student loan

1. Originally had a payment of {$78.00}.

2. Got an email ( attached ) from Aidvantage stating my payment was going to be {$28.00} due on XXXX. Called Aidvantage and the first person I spoke with said that what is on my portal is accurate. Did not address my email I recieved.

3. A few days later I called in again and spoke with a lady and again stated the email regarding {$28.00}. She said she sees it and then did not answer why I recieved that email. She then had me re-do an IDR information and we came up with a {$60.00} payment plan ( I also chatted with someone regarding the {$60.00} payment plan in 2022 ), but was unable to provide that to be due to a {$16000.00} student loan balance. 

Nobody is address why I received an email ( attached ) that says my payment is {$28.00}. Where did this come from as I am trying to budget for the repayment of student loans. However, I am getting conflicting information regarding what is due and what my payment is going to be. This is concerning. 

*I DO NOT WANT MY PAYMENT TO BE HIGHER THAN {$78.00}. *
Product: Checking or savings account

I was charged {$100.00} for recovery of my contents in safe deposit box # XXXX by Chase Bank # XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Date : XX/XX/XXXX Contact : XXXX XXXX Contents were scheduled for pick up on XX/XX/XXXX but contents were never provided.
Product: Debt collection

On XX/XX/2019 I received a notice in the mail from XXXX XXXX XXXX XXXX a debt collection company and they are attempting to collect a false debt. XXXX admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.