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

in accordance with the Fair credit reporting act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states i have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I had the same loan with Crosscountry mortgage for over XXXX. XXXX months ago, they increased my escrow amount used to pay my property taxes and insurance by 64 %. However, my property taxes and insurance have not gone up. I tried calling them to get an explanation and they keep telling me there is a " shortfall '' but when I ask them for specifics on this " shortfall '' they refused to give my any information or evidence that the escrow expenses have went up by as much as they are saying. I am concerned I am the victim of a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), XXXX ( tracking # XXXX ), and Transunion ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.
Product: Credit reporting or other personal consumer reports

I submitted required documents to request a security freeze from the company Teletrack. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I also submitted the reason for the security freeze. I have reason to believe that my ex-husband has my information as he already has done damage to my information. ( me ) According to the law the company, Teletrack has broken the law. Civil liability for willful non-compliance 15 US Code 1681 ( n ) I will gain counsel to secure my rights.
Product: Student loan

Applied to change from IBR/IDR to fixed payment in XX/XX/2019. Application was accepted in XXXX, and was not fully processed until XX/XX/2019. The processing is to take 90 days or less. Mine took six months to process and my credit report shows missed payments for XXXX, XXXX, and XX/XX/2019. When I did in fact pay all payments that were due and an additional payment that was not required. The reported missing payments took my credit score from a XXXX to XXXX. 

I have contacted fed loan on three separate occasions to get assistance with errors in credit reporting. The most recent time I was told to fill out a credit dispute form because my application should have been processed by the end of XXXX. Instead it took three more months.

This resulted in fed loan reporting that I made no payment and was not deferred because the application was processing. Credit reporting agencies took that as 3 missed payments on 6 loans. Its being reported that I 18 missed loan payments when I did not miss any payments. Fed Loan was processing my application. 

I have no control over how long fed loan and their employees take to process applications. I got caught up in their inefficient and slow processing. I am being penalized for the delayed processing of fed loan. Are they not accountable for reasonable processing times, and correctly reporting to credit agencies while processing? 

I would like for fed loan to accurately report the standing of my loans for 2019. I used to pay {$0.00} per month, now I pay {$420.00} per month. All I wanted to do was get on track to pay off my loans. Fed loan took six months to update my payment costing my credit score 63 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to XXXX and Equifax for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Product: Checking or savings account

I was depositing my rent money in the ATM {$2000.00} and the machine took all my money and told me there was an error and to call a number. I called that number and they said it could take up to XXXX days to count the money in the machine and, see about getting my money back. I am very upset that it took so much money from me and it gave a message that said only {$10.00} was deposited. Then a receipt printed out and said in fact {$310.00} was deposited. It was supposed to be {$2000.00} so XXXX they owe me {$1600.00}. I just wish to file a complaint so they know that Im serious about my money and Im very serious about the situation that they put me through. This was from Bank of America located in XXXX off XXXX. On XX/XX/24.
Product: Credit reporting or other personal consumer reports

I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Sec XXXX and XX/XX/XXXX, as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For TransUnion they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Ford motor credit company and they responded with a bunch of lies and incorrect information and not complete information. There was a car that was purchased back in XXXX according to them and it contained a person that had a different 1st name different middle name different address different work information different phone number and different email address than I do because I've had these verified and proven to ford that I never had a different 1st name or middle name my whole life on my social security number and I've had the same phone number for over 20 years and same work for over 37 years. They claim my police report didn't clear me of the account 's claimed because of death of the offender. Ford clearly lies because number one the statute of limitations is only 5 years if there was anything criminal and this police report was filed 9 years ago. The car purchase with Ford was over 14 years ago. My claim is ford did not do any investigation that the law requires with all this information I'm giving. now talking to the police has nothing to do with finding out if that person that purchased the car back in XXXX was me because everything I showed is filed in courts or part of the federal record and not guessing like Ford is doing or jumping to the wrong conclusion like Ford is doing. 
I also showed the XXXX findings of my identity theft to show that somebody else obtained a driver 's license with my information just a different name and address and used that fake id to commit id theft for XXXX of accounts. 
Courts found these accounts were NOT mine. Ford lies and damages me with their wrongful conclusions and findings. 
Force Ford to answer to THESE CLAIMS not what they cherry pick about.

1. Different name on account and XXXX. 
2. Different work info.

3. Different address.

4. Different phone number.

5. Different email address. 
The language in the CMPD report, clearly names the crimes committed and says i am exceptionally cleared of those crimes. 
No ambiguity, and 2 of the accounts took me to court and had to voluntarily dismiss the suit. They were wrong and had to admit it. This was XXXX. 
Ford is wrongly finding me guilty of this fraud, with no evidence, no proof or contadictory documents that i gave them, all cerified and verified by state or federal agencies and notorized.

Please have Ford address these issues, they refuse to give me any of these jnternal documents because they know those documents are INFERIOR to mine. Losing case in any court of law. They are arrogantly lying with no shame, and refuse scrutiny.
Product: Credit reporting, credit repair services, or other personal consumer reports

A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation.

2. 
XXXX list 2 separate account even though I have 1 account and make one payment because loan transferred to XXXX XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project. 
Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry appeared on credit report on XX/XX/2022. Inquiry was from Synchrony Financial as stated in credit report on XXXX XXXX. This inquiry was not authorized by me. Contacted the institution and told them the situation. The representative of the institution told me that a credit application had been filed in my name. The representative stated they stopped the credit application and advised me to file a fraud victim statement with each of the three credit unions.
Product: Debt collection

Theyre calling me from different numbers at all times several times per day during the day and night constantly!
Product: Debt collection

To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. I am now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

INNOVIS is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - INNOVIS is civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.
Product: Credit reporting or other personal consumer reports

keep getting a error when trying to pull credit report. i cant fix mis match because i cant see and even if i did too much activity to track down. if a lender misspelled my name or typed incorrect address that is not my fault they should be accountable for there own errors as we are ours. that should not penalize me nor any consumer.
Product: Checking or savings account

I placed an order on XX/XX/2021 with XXXX  for two pool cues, towel, chalk, glove, and a cue tip. I paid for priority shipping and called the office to make sure they send my items together to minimize shipping errors because of a previous incident with an XXXX order that was shipped to a different city and I didnt want the same thing to happen again. I was suppose to receive the order on XX/XX/2021, but I didnt so I waited and finally on XX/XX/2021 I received my items missing the two cues and the towel. After that I checked the weight of the package on the USPS website it said 5 lb, and I looked up how much everything should of weighted and it turned out it is suppose to be between 8 to 10 lb. I also noticed that there was a dent on the side of the box and if the box was full with my cues that dent wont be as big as it is. 
When I contacted Wells Fargo they denied my claim and now I dont know what to do especially because it is my first time this ever happened to me.
Product: Credit card

Capital one is harassing by sending spam paper mail communications. 

The opt out process is unclear and difficult. 

Capitol one is violating my personal privacy. 

Capital one is sending unsolicited harassing communications that create a threat to personal privacy. 

XXXX is not at the address.
Product: Credit card or prepaid card

I purchased a merchandise on XX/XX/2021 and the item was never delivered to me. By Federal law they are to provide proof of delivery by providing a copy of the Form 4473 and the last line of that for is supposed to have my signature that I picked up my item. all they are providing is a credit card receipt. I explained the to American Express several times but they seem to have a problem understanding me. I do not know where my item is. I stopped contacted the store because I was not getting any answers. I need my money returned. I should not have to pay for something that was never delivered to me.
Product: Credit card or prepaid card

Bank of America inadvertently closed my account without notice. I was hospitalized and needed to use my account for necessities. Even after I spoke to customer service to rectify issue the company would not address the issue. The account was closed on XX/XX/2023 and the customer service said that it was voluntarily closed by the borrower, which is completely false as I contacted them regarding the closure of the account.
Product: Vehicle loan or lease

There two auto loans that need to be removed from my credit report that I didn't transact XXXX XXXX and Mercedes Benz Fin
Product: Student loan

I am not able to meet my monthly payments due to me working part time. Navient refuses to understand my economical hardship.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, a payment of {$340.00} was made by phone, as is done every single month, using the same bank account, as is done every single month, same exact payment method. NBT can check my payment history. We were provided with a confirmation number for this transaction. However, I received a notification, on Friday XX/XX/XXXX, by a completely different institution that my credit history was affected by XXXX points due to being reported by NBT Bank. Huge surprise! 

Despite having my email on record and using it every week to inform me about their NBT bank and company, I did not receive any communication from nbt regarding this issue. I did not receive a call either. Why was I not notified about this problem via email or phone call? Why was I reported instead of being informed about the issue? Furthermore, why was there an error this time, especially when the payment was made by phone as usual? When we contacted the NBT bank on XX/XX/XXXX, they asked us to provide the last 4 digits of the bank account to make the payment that nbt had in their records, NBT has this payment information in their records as per their own agent. Now I know that they do not suppose to keep that kind of information. 

I believe I have the right to request a copy of the call recording from XX/XX/XXXX to understand why, despite making the payment and also receiving a confirmation number from NBT directly, my credit was reported negatively. And why if there was a problem I was not contacted by NBT bank. Why? This incident has caused serious damage to my credit history, and I am seeking a resolution to this matter. 

NBT failed to provide several services here, proper payment method, proper verification of payment, proper confirmation number of payment to customer, proper methods of communication to customer, and if they asked as they did for just the last for digits of the payment method they are keeping info that they are not supposed to be keeping, however, Im the one whos paying for NBTs several mistakes as my credit score was seriously damaged. If payment by phone cant be completed by nbt bank correctly they should communicate this to customers as after a payment by phone and a confirmation number customers trust and believe everything is well, no reason to believe otherwise. As a bank operating in the USA they should provide better services to clients specially better payment methods, a bank that cant guarantee a secure and accurate method of payment to clients cant be a serious financial institution. 

I need a solution as soon possible. Im not taking their word for it as nbts word does not have much value, they gave us a confirmation number that did not have any value, then I want now to hear the XX/XX/XXXX call. 

Attached you will find a copy of the call log, and also a copy of the confirmation number they provided on XX/XX/XXXX. 

I already called this and explained all this NBT, no solution. I want an explanation and my credit score points back. 

Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX XXXX AND XXXX. These are closed accounts but has otherwise been paid in full.
Product: Credit reporting

I went online to receive my " FREE credit score & {$1.00} credit report ''. I was also, unbeknownst to me, signed up for credit monitoring etc, at the rate of {$17.00}. I feel like this is a shady and fraudulent practice, because I was allegedly aware of the product I signed up for based on size XXXX font in a noticed designed to look like an advertisement on the bottom right of the screen, that was n't even part of my browser window without scrolling. I called the company to dispute the claim. It took me awhile to unsubscribe and they refused to refund my money since I had used the service ( I had to log in to find a phone number to call ) and had been made aware of the service on the XXXX screen of the process. Very shady and I want to say fraudulent practice, since I did not knowingly give them permission to charge me for the service, nor did they provide any paper work or notification that I had signed up for a trial-turned-paid service. It really XXXX that the company that is used to protect you against fraud is fraudulent itself. What I authorized for purchase was a {$1.00} for a " free '' credit report.
Product: Payday loan, title loan, or personal loan

Recently Yamaha Finance XXXX XXXX acquired all loan accounts from XXXX XXXX. My loan account was one of those that was acquired. I have tried time and time again to get in touch with someone that can help with the clearing things up with my payment that I made to XXXX XXXX  in on XX/XX/2019. Yamaha has failed to credit my account for that payment and as of XX/XX/XXXX is saying that my account is past due and I need to pay {$300.00} which is double the monthly payment that I agreed to when signing the loan agreement. Also my normal closing date for the loan is the XXXX of each month. Yamaha failed to honor that when they took over my account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Product: Debt collection

On XX/XX/2022, I wrote to each credit bureau about the inaccurate reporting of collection by XXXX Collections. Per FCRA, Section 609, I requested all information related to collection accounts listed on my XXXX, XXXX, and XXXX credit reports; including the original credit application and contracts containing my signature. Per FCRA Act 15 U.S. Code 1681i Procedure in case of disputed accuracy ; Para ( 5 ) Treatment of inaccurate or unverified information shall promptly be deleted from my credit file. The collection agencies nor the credit bureaus did not fulfill my request by providing evidence these accounts belong to me. 

Additionally, it appears that my consumer rights were violated by the party that the collection agencies obtained my information.
Product: Money transfer, virtual currency, or money service

It is XX/XX/year> just after XXXX AZ time and I've spent the last XXXX hours simply attempting to transfer money out of my Citi checking acct. 

As all calls are recorded, I am requesting the past few hours ( from the time of this email ) be reviewed, and my money be immediately released and electronically deposited ( without fee ) to my external account as my access to transfers has been refused without reason. This will require a Citi executive to contact me personally for the account info as customer service, fraud, and a self proclaimed " manager '' were proudly unwilling to unblock my access to allow me to conduct any sort of transfer, despite claiming they had with absolutely no change in my experience. 

When trying XXXX, Citi accepts incoming payments but refuses ALL outgoing attempts. 

Citi attempted to blame fraud, even after fraud said there was NO ISSUE they could see. 

Citi attempted to blame my computer, even after I told them repeatedly it's the same on multiple devices. 

Citi attempted to blame the external bank, despite having the same results with multiple XXXX XXXX  accounts. 

I asked for the alleged card number for a card I don't have but that the account requires I input in order to conduct non-XXXX  transfers. I was refused this information. I reported the card as fraudulent to the self-identified fraud team and requested it be removed as I don't have access and it is not valid. They refused to block, remove, or otherwise secure my account around this fraudulent card, and also refused to assist me in retrieving or resetting the also required pin. This is further willful blocking of my access to my funds. 

The issue is Citi 's system -- both human and non-human. Citi employees have refused to give me access to my money and it is recorded that wage theft among employees is rampant as not one person did anything at all to even begin to address the issue, resulting in willful withholding of funds, even after over an hour of verifying my identity at least a XXXX  times. 

Due to this withholding of my funds and preventing me from banking with Citi as agreed upon account opening, I now do not wish to bank with Citi and want all of my money transferred out of Citibank into my external bank account, and confirmation of my account closed. Please contact me immediately to set up an urgent 100 % fee-free electronic transfer of funds, closure of account, and written confirmation.