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

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a zero balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Debt collection

I visited with XXXX XXXX from Sequim Asset Solutions on XXXX XXXX. XXXX said that the account was turned in for collections on XX/XX/, and the information she gave me was that it was an XXXX XXXX  account that was opened on XX/XX/2023, and that it was from an address of : XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX She asked if I ever lived at XXXX XXXX XXXX or if have ever had XXXX service. I said I had not that I have been a XXXX customer for the past 20 years and have lived at my current address for over 19 years. 

In my research this is the information that I have found for the address. 
Phone number is XXXX and the address belongs to a XXXX XXXX.
Product: Credit card

I used my Chase XXXX XXXX card to purchase a dumpster rental for my roof replacement. I called and spoke to the dumpster company ( XXXX ) and asked what size would accommodate. They told me the XXXX yard, I asked if there were any additional charges, they said no. Then after they picked up the rental ( 2 days later ) I was told I have an overage charge, which I said I should n't since I called and the rep told me the size was adequate. I then disputed, chase said they could n't help me after XXXX calls telling XXXX the same thing over and over again. I asked her if she even understood what I was disputing and she could n't formulate the words to explain back to me ... .so CFPB please help me with my FACTA and consumer credit rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
Product: Debt collection

Hello, XX/XX/2010 I got a discharge letter from XXXX, AZ for XXXX XXXX. 
Couple of weeks ago ( after 6 years later ), I got a phone call from XXXX phone number @ XXXX. 
Saying that I have unsatisfactory case from Bank of America credit card amount of {$10000.00} that I owed and asking for settle amount of 50 % otherwise they will get a judgement and sue me .... 
I thought this account might have missed during the bankruptcy. After checking my file from the attorney and credit report that I pulled after 3 month later after bankruptcy, it clearly said that this account was " Discharged through Bankruptcy Chapter XXXX '' So, I called back to them trying to avoid unnecessary future hassle and I informed them about the discharge. Now they are saying to me that " This particular account 's discharge was fraud, therefore The bank of America sold this account to us to recover their loss '' also said there was breech of contract that I violated with BOA for this account in order to get a bankruptcy and asking me XXXX % of settlement instead of XXXX %. They basically told me that there was fraud on my discharge. But I did everything legitimately through my attorney and had no problem at all for 6 years.Is this scam? 
I needs some advise on this please. They said today is last day for settle and it really bothers me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to remove these misreporting addresses several times that were undeliverable to me by the US POSTAL SERVICE which needs to be corrected and fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple complaints I submitted to the 3 Credit Bureaus, my request for proper verification and correction of the erroneous information on my credit reports has been neglected. The last complaint I submitted to XXXX, XXXX, and TransUnion Credit Bureaus was XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still erroneously reporting on my credit report and I am hoping that you may be able to help me have these accounts corrected 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
Product: Credit card or prepaid card

Every month capital One report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime Capital One report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent TransUnion a notice that there'd been unauthorized, inaccurate accounts being furnished to my consumer report and demanded them to be verified or deleted immediately. 

To date, I have not heard about any specific action taken by TransUnion regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

I understand the statutory time period of thirty ( 30 ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore, no investigation is needed, nor should it take 30 days to correct the information provided. 

TransUnion has not complied with the Fair Credit Reporting Act by not deleting the disputed items from my consumer report. 

This is a permissible request for TransUnion to act as an agent and correct their misleading information. 

They are committing identity theft by furnishing information without my written consent, violations, deprivation of my privacy, and causing me defamation of character.
Product: Credit card

The bank of america applied my lump-sum payment to the lowest interested balance rather than paying the highest one. Is n't that a law that credit card co. has to pay highest interest first? 
I had XXXX balances that the promotional rate will be ending at same date on XXXX/XXXX/2016 On XXXX/XXXX/2016, I paid {$4000.00} toward ( I thought, ) soon will go up to 15.24 % ( balance {$4000.00} ) But BA applied it to the another balance that would go up to 7.49 % ( balance was {$5100.00} ) * And the balance of 15.24 % of {$4.00} ( XXXX 2016 ) was increased to XXXX ( XXXX 2016 ). {$5.00} more without the cause! Why? Reps could not explain to me about all these.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of 2022 without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter. 

Document password : XXXX XXXX XXXX
Product: Checking or savings account

I have early paycheck direct deposit with Capital One 360 checking account, I typically get paid on Wednesdays, Friday the latest. Well, its currently XXXX EST. I still have not received my paycheck. Capital One isnt updating anyone. All their putting on their website/app is they are having technical issues. I have a family and I have bills that need to be paid. I need a solution!
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, erroneous, and misleading information on my consumer report have been unsuccessful. These incorrect entries have severely disrupted my life, resulting in considerable distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposit check at ATM funds placed on hold. 
Amount XXXX check from XXXX Hold time elapsed; went to withdraw funds. 
Was told they could not honer the check due to being 2 party ( was endorsed correctly ). 

Bank voided transaction ( despite already clearing XXXX account ) locked down account and initiated fraud investigation. 

Citi will not provide copy of check or provide any communication or access to funds
Product: Mortgage

XX/XX/XXXX   REFI home   XXXX   XXXX   XXXX   XXXX  interest only and  XXXX   Harris bank HELOC 10yr w/balloon. Market crash  of  XX/XX/XXXX ,  XX/XX/XXXX  went under,  XXXX  now has first , Harris became BMO Harris. Tried to REFI could n't, too far under, nearly every 2 yrs same answer different banks. Balloon payment due on HELOC, jumped through several hoops for BMO. Now they are done trying and want to  short sale. House appraisal still about  XXXX  under loan values. Called  XXXX  to inform them about Short Sale and see if they would consid er REFI 1st, s aid they could n't, just a collection agency. So I have a gripe with both BMO and  XXXX . I just checked  XXXX   XXXX  and my credit scores were  XXXX  and  XXXX , I 'm also a veteran but that did n't matter to anyone.
Product: Mortgage

ABUSE OF RIGHT by BB & T - Home Equity Line of Credit # XXXX My Home Equity Line of Credit ( HELOC ) at bank BB & T bank ( now Truist ) reached its maturity date recently and had to convert to a repayment period, which it was stipulated in one of its clauses. 
However, BB & T has exercised this clause with abuse and unconscionability, violating the principle of good faith or elementary fairness. 
BB & T decided to raise my payment from {$350.00} to {$2300.00} per month ( statements attached ). They expect me to repay {$94000.00} in only 44 months, which is impossible for me or any mid-class family. They have not cared that my housing payment ratio rise to 90 % of my gross income. They know that I do not have the income to cover this payment, since they asked me for the documents about my income, and they still do not want to listen to me. 
BB & T, abusing the power it has with this clause, has set a monthly payment that favors them better, but that is leading me to lose my house very soon. I am current on my payments, but I do not know for how long it can be.
Product: Debt collection

I am filing this complaint against LVNV Funding regarding their inaccurate and unlawful reporting of a collection account on my XXXX credit report, as well as their continued contact with me despite my explicit cease-and-desist request. LVNV Funding has failed to provide me with a debt verification letter as required under the Fair Debt Collection Practices Act ( FDCPA ), despite my request for validation of the alleged debt. Furthermore, after I sent a cease-and-desist letter instructing them to stop all communication, they have continued to contact me, which is a direct violation of FDCPA Section 805 ( c ).

This collection account has been resolved with XXXX and XXXX, and both bureaus have removed it from my credit reports. However, LVNV Funding has not taken similar action with XXXX, allowing the inaccurate and unverified collection to remain on my XXXX report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ), creditors and collection agencies are required to ensure the accuracy of information reported to credit bureaus and must investigate and correct inaccuracies upon dispute. LVNV Fundings failure to provide verification of the debt and their refusal to remove the collection from my XXXX report violate these provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, concerning a lot of inquiries I dont recognize.. its affecting my credit
Product: Credit card or prepaid card

After receiving a mail offer, on XX/XX/2021, I applied for a Chase Ink Business Card.

I'm the XXXX of XXXX XXXX that includes a commercial lease and residential lease which I own as a sole proprietor. I completed the information on the application and agreed to a credit pull. I already own a personal credit card from Chase.

I was denied the card because of the " business structure ''. I reached out to Chase to understand what that meant, since I properly report my XXXX XXXXncome and 1099-Misc on my tax returns and the card would be used for the residential and commercial property. The response was the same, business structure without any detailed explanation. If sole proprietorship is not eligible for such a card, then during the application process this should be disclosed so that there is no credit pull. 
I find that the offer and the application are misleading and deceiving, and at the end my credit was unnecessarily pulled. I suggest Chase revise the application process and clearly define eligibility criteria of which 'business ' is eligible for the card. 
Respectfully, XXXX XXXX
Product: Checking or savings account

My checking account XXXX was closed over 6 months ago, and Truist has commited fraud and thief by deciding to keep my funds forever. Whenever I called, they insist they can hold my funds forever and will not send me back my funds after they decided to close my account. 

I will soon be contacting an attorney and seek legal measures since this is clearly not legal what they are doing.
Product: Credit reporting

In XXXX of 2015 I discovered that I had been and continue to be a victim of identity theft. I then reached out to each reporting agency ; TransunionXXXX to get a copy of my most recent/updated credit report so as to find and then dispute any information that would be deemed either inaccurate or of a fraudulent nature. I have called and spoke with over XXXX represenatives ' within Transunion 's Fraud department through the past months including XXXX supervisors in disputing multiple accounts on my report. Through out this process, I have also tried to dispute over XXXX fraudulent inquiries to which Transunion adamantly refuses to dispute with these companies on my behalf. They claim that Transunion views an " Inquiry '' as statement of fact and therefore refuses under any and all circumstances to remove said inquiries. I have had multiple fraud alerts and even an extended fraud alert currently on this report in addition to it being " Frozen '' for the past couple of months. There is no question and even Transunion has deemed this " indisputable evidence '' of identity theft yet they still refuse to help. Also, I currently have ( XXXX ) medical collections to which I have disputed numerous times and even now Transunion will not allow me to further attempt any more disputed with these companies under any parameters.
Product: Debt collection

on XXXX i received two calls from navy federal at XXXX one at XXXX XXXX  and another at XXXX XXXX. which is obscene and an inconvenience to call me so many times and to call me back to back and then a 3rd & 4th call to my relatives one calling from XXXX at XXXX XXXX, my relative called me as well to advise me that they have also called them as well. Now i am being harassed. Now others are under the impression that i owe a debt.
Product: Credit card

Automated calls from " XXXX with Capital One '' calls my home phone excessively all times of the day, claiming that she can offer a solution to my credit problems. 
My XXXX account with them in not delinquent and is current, and has never been late or missed. 
I have called them XXXX to request my number to be removed. 
I am registered on the Do Not Call list. 
Most recent Call history from them:XX/XX/XXXX @ XXXX @ XXXX @ XXXX XXXX @ XXXX
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that when I traded my car in, the company did not pay you in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 : I sent completed and returned the requested form to XXXX about my auto loan not reporting on any of my credit reports. I also sent notifications to Equifax, XXXX and XXXX showing that there is an error in reporting on my credit report and provided them with proof from XXXX that I had an auto loan through XXXX and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX credit bureaus and XXXX who claims that it is the responsibility of the credit bureaus to report correct information. XXXX provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my credit score and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX requirement with an answer or solution to my problem, and XXXX claims it is out of their hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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