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

Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove account # XXXX XXXX SYS XXXX my credit report, which is currently showing as paid-in-full. As this account is no longer an oven obligation, I need this account removed from my report, supported by 15 U.S.C 1681.
Product: Mortgage

This is a second complaint to Bank of America regarding the refinancing of my home. This complaint should be linked to Case number : XXXX ; applicable to New Loan # : XXXX ; and Old Loan # : XXXX. 
Bank of America has not provided any resolutions for my first complaint as of today, XXXX/XXXX/2016. However, to make matters worst, I got a letter in the mail this weekend indicating that I have an escrow shortage of {$2400.00} on my home loan and that I must pay this amount. Otherwise, my new monthly payment will change to {$2100.00} due on XXXX/XXXX/2016. My first mortgage payment, which is due this month ( XXXX 2016 ), was set to be {$1800.00}. Why the sudden {$300.00} increase when the agreement had been a different monthly mortgage payment? Was it a miscalculation? What is going on with my home loan? 

I am extremely frustrated. No one at Bank of America wants to be accountable for the mistakes they have made while processing my new loan. Not only did Bank of America not fulfill my original request of refinancing the house to cover the property, the total closing costs, and the set up of a new escrow account, but now I am being asked for additional money for a shortage in my new escrow account. I really do not understand what is going on. At this point I am not sure if I was mislead or misinformed on purpose, or whether Bank of America is just being deliberately careless when processing their loans, or whether this is retaliation for making my first complaint, which has not been addressed yet either. 

Bank of America is now affecting my finances as it did not only make me lose the {$3000.00} from my old escrow account, but now it wants an additional amount of {$2400.00} from me, which may not be much to them, but it is a lot of money for me. If I would have known I was going to run into so many issues, I would have never refinanced with Bank of America. After 20 years of loyalty to Bank of America, I am extremely disappointed. The refinancing of my house has turned into a big nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to an auto loan thats currently reporting on all three credit reporting agencies, Experian, XXXX, and XXXX, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a XXXX XXXX XXXX. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with XXXX XXXX XXXX. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX Pandemic Credit acceptance was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to XXXX  XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.
Product: Debt collection

I sent the company a certified letter on XX/XX/ to Hunter Warfield XXXX XXXX, located at XXXX XXXX XXXX XXXX in XXXX FL. The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX SHALL DELETE FROM MY CREDIT REPORT BECAUSE I NEVER LIVE THERE AND IT WAS OPENED DUE TO FRAUD WITHOUT MY KNOLEDGE. 
THIS ADDRESS WAS ADDED TO MY CREDIT REPORT ALONG WITH A FRAUD ACCOUNTFROM XXXX XXXX XXXX  THAT VIOLATE MY COSUMER RIGHTS AND BEEN THREATHING ME OVER THE PHONE FOR PAYMENTS. 

DELETE THIS FRAUD ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

Back in XXXX I contacted Dovenmuehle Mortgage to inquire about their forbearance options. after consideration, i declined however they placed my loan into forbearance based on my inquiry alone and ceased accepting automatic payments without my knowledge or consent. 

Thereafter my loan was reported as delinquent to the credit bureaus witch has resulted in lowering of my credit score significantly. 

When i contacted them in XXXX, i was told there was a system issue and they will not charge me any late fess, however they " accidentally '' reported me to the credit bureaus as late. They were going to fix it right away, however i did not see a change in the credit score for over 3 months. I called again in XXXX to inquire about them fixing my credit score only to find out that they placed my loan into forbearance again, stopped my automated payments and charged me a late fee, and could not explain why i was charged a late fee if i was enrolled in forbearance. 

Also, when i asked about the fixing of the reported information to credit bureaus, i was told they are short people and do not have an estimated time when it will be fixed. 
We are in the process of selling the house and are unable to purchase another one due to the low credit score.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I got a personal loan for the amount of {$300.00}. As I finalized the loan over the phone with a Green Pine Lending associate that assured me and my girlfriend that with interest, he total amount I would be paying back would be {$390.00}. We asked multiple times would that include all fees and everything and the person said yes. We would only pay four automatic payments of {$97.00} every two weeks fromy checking account until the XXXX was paid in full. 

After four weeks pass, ( XX/XX/XXXX ) I expected the loan to be paid off but did not receive a call to confirm. I logged onto my account on the website ( XXXX ) and find that not only was the loan not paid off but the company stated I owed them {$580.00}! And that there were scheduled automatic payments of XXXX that would be taken out of my checking until XX/XX/XXXX. 
After this alarming and confusing information I called the company to inquire into my loan and the associate " XXXX '' on the phone confirmed I owed {$580.00} and that there was a interest charge of {$7.00} dollars everyday charged to my account for " prolonging '' the loan. I informed the associate that the person I originally talked to did not state any of that information when confirming the details. I asked to know who I originally spoke to on the phone and was told their name was on my paper work but I was n't allowed to talk to them and that " XXXX '' would be handling my account from now on. I asked how could I resolve the situation and " XXXX '' the associate stated I could pay {$330.00} flat to absolve the loan which seemed odd considering their was a {$580.00} balance on my account. 
Overall Green Pine lending knowingly gave misinformation to get me to sign a loan with them. I also noticed after talking on the phone with them, I can no longer log into my account on their website as if they blocked me from viewing information on the account.
Product: Debt collection

Calls several times. Called in XX/XX/XXXX but have a voicemail saved from XX/XX/XXXX at XXXX. Uses the name Investigator XXXX XXXX and states he is an investigator and If a debt is not paid he will issue an order to have me arrested at my place of business unless I pay immediately over the phone. He has called and stated he was an officer and gave a false badge number. I called the police and asked if they do that and they stated no, they would not arrest someone for debt at work but, also, would not give badge number and threaten over the phone. I different number is used each time. The last time it was XXXX but stated to call back XXXX. I have spoken to this person and they scare you to pay immediately or they will have officers come to your place of business and arrest you onsite.
Product: Credit reporting

I had a security question that I once resided at XXXX XXXX XXXX XXXX, NY.I replied 'NO ' that I never resided there and was unable to access my credit report. I never lived there, however my ex-husband lives there. I reported this to Experian in the past and I never received a written response although I sent a letter with proof of divorce etc.. Please have that information removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX ( {$100.00} ), and XXXX XXXX {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Product: Money transfer, virtual currency, or money service

I have Euro XXXX sitting in my account with coinbase. 

I have been trying to withdraw the funds for the past 4 weeks. 

The first week was due to my error in linking the wrong account. since then I have sent XXXX euro to verify my account as per their online instructions. 

I have reported via their support desk and called them 3-4 times from the XXXX. 

They said that I should send XXXX euros to make it work, which I did. The money appeared in my Coinbase account but the bank account is still not verified. 

they say they have a backlog of issues like this, this is unacceptable and I need to withdraw these funds as soon as possible. 

thank you
Product: Credit reporting or other personal consumer reports

After sending this company several disputes they still continue to report the derogatory information on my credit report. They are reporting a charge off from XXXX XXXX XXXX in the amount of {$29000.00} account number XXXX. 

According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats the cancelled debt as income that needs to be reported on your tax return. Income is not to be reported as debt on a credit bureau. 

This also violates my privacy according to the Violation of Privacy Act of 1974. May I also add that it is illegal to report transaction history
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXXXXXX Acct # XXXX 1

5 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This Account payment dates are different and not acurrate please remove
Product: Mortgage

My wife has been in contact with XXXX XXXX and XXXX XXXX, of Alliance Home Loans, and has asked them both to take us off of their mailing lists. XXXX assured my wife that we would be removed from their mailing lists and that we would no longer hear from them. We have since received a few more mailers regarding refinances from their office. They have sent us countless letters from XXXX, XXXX, and her husband, XXXX.
Product: Checking or savings account

My credit karma account was frozen XXXX days in a row on XX/XX/XXXX and XX/XX/XXXX for absolutely no reason. There was no suspicious activity or fraudulent charges which I explained thoroughly. I sent in my identification information to verify it was me to which they unfrozen my account. I was then informed thatvthey switched my account number which was not consented or agreed to. When I explained the account was suppose to receive my tax return which was released by the irs on XX/XX/XXXX, they explained that they changed my account anyways and that the money might be put into the new account or would be rejected and sent back which is against the advance agreement I signed with the company when I filed my taxes. On the second day after unfreeze my account I learned after getting off the phone that they deactivated my debit card and my virtual card so that I could t access my money and the website stated that I would not receive my card until the XXXX of XXXX. I did not consent to any of these account changes nor the debit card deactivation and verified with them that there were no fraudulent charges on my account. They proceeded to change my account number a second time and could not confirm that I would get my funds. I signed a contract that allowed me a XXXX advance with a remainder of XXXX dollars remaining which was to be sent to my account after going into a holder account through credit karmas bank. They guaranteed a safe and secure process but have created barriers for me prevention g me from both accessing my account, losing my debit cards and also changed my account number potentially leading to further complications. They have not upheld their promise which was clear in their advance agreement. The call reference numbers are as followed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Debt collection

I had paid the debt through medicaid. They sold it and refuse to give me a document of me accepting the debt frok central recovery agency
Product: Credit reporting or other personal consumer reports

This is paid by law. This is the wrong thing on my credit report. Please take this off my credit report for an accurate information. This account was paid on XX/XX/XXXX. I have the receipt right here from XXXX accord. Please delete this from my credit report, this is an accurate and by law it shouldnt be deleted now thank you.
Product: Student loan

Fully paid off my XXXX of my subsidized loans on XX/XX/XXXX. The COVID forbearance got extended, and so I requested a refund. The refund never went through, so I called in XXXX to cancel the refund before the extended forbearance ends, which should backdate my full payment to XX/XX/XXXX again, meaning I should not get charged any interest according to the Edfinancial associate I spoke on the phone with. I provided bank statements and payment receipts to prove that I paid in full and that I did not receive any refund into my bank account. I have called multiple times to ask when my case would get processed, but kept getting told they do not know when it will get taken cared of by the appropriate department. On XX/XX/XXXX, I get a letter from Edfinancial that I paid in full only for XXXX loans, and I am getting charged interest on the remaining loan.
Product: Credit card or prepaid card

XXXX XXXX I was XXXX at the XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX. The home of XXXX XXXX and his elderly mother. The XXXX refused to let me take my purse or wallet with me when I was taken out of the residence and to XXXX. I spoke with XXXX XXXX from XXXX, I had him check my direct deposit balance arround the first of XXXX. He told me I had no pending deposits and that I had been cut off my benefits because I was in XXXX. I told him to leave my card in my wallet, in my purse and leave them with my landlord were theyd be safe. He gave my landlord my purse but my landlord didnt check for the card. Mr. XXXX assured me my direct deposit card was in my wallet, in my purse at my landlords. XXXX XXXX did not tell me that I was in fact getting direct deposits and he was receiving, collecting and spending them. I was XXXX XX/XX/XXXX. Within 2 days I located my card and called it. He spent over XXXX $ and caused me an over payment. He had my social security card, drivers liscence and many other personal identifying documents for several months. He also had my laptop giving him access to more identifying personal information. Im now receiving emails about credit and loan requests.
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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Citibank charged {$99.00} a year. I called to see if Citibank XX/XX/2020 could wave the annual fee as the interest rate of over 20 % was not competitive with what I could get elsewhere. Citibank could not, so I paid my balance in full online. And Citibank confirmed that my balance was paid in full and that there were no pending charges. 

A couple of months later Citibank called and said I owed a balance for one charge on XX/XX/2020, that went through on XX/XX/2020, which was after I had closed the account. And Citibank had tacked on fees and interest that more than doubled the balance I owed. And again, Citibank had confirmed on XX/XX/2020 that I had paid the balance in full and that there were no pending charges. 

I checked balances on this account online and never received a statement. Once my account was closed on XX/XX/2020 I no longer had access to see my VISA card balance. I had no way of knowing that Citibank incorrectly informed me that I had no pending charges, and that the pending charge had been processed the day after my account was closed. And Citibank made no attempt to contact me. I assume this was because Citibank saw an opportunity to exploit the consumer for fees and interest. 

I have spoken with Citibank numerous times and sent a hard copy letter requesting Citibank drop their late fees and interest, but Citibank refuses to accept responsibility, but rather continues to pile on late fees and interest. 

Citibank has been truly irresponsible and unprofessional in this situation and I worry they are applying similar predatory practices to other customers. 

Thanks so much for looking into this situation for me. 

Sincerely, XXXX XXXX PS. Credit Card ending XXXX
Product: Checking or savings account

So basically the problem is with the three payments that I made, but they are no longer visible at my bank statement account in U.S Bank. I have rented a car from XXXX at XXXX XXXX at XX/XX/18 and I paid there {$730.00} then at XX/XX/18 I paid another {$460.00} and then at the very end at XXXX XXXX XXXX where I returned a car I paid another {$57.00}, so in total it is {$1200.00} but two days later I have been charged once again with the total of {$1200.00} so my actual bank balance is nearly - {$1200.00}. Like I said right now those three payments are no longer appers, but I'm sure that those payments weren't pending, they were simply made. I contacted XXXX  and they assured me that from their side is everything OK, but I'm not sure ( I have all emails in case of need ). With U.S Bank I did not contact because right now I'm in XXXX and I can't contact them via email and I don't have my US phone number anymore.