23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America is reporting late payments on my account to the credit bureau. The first late payment was in XXXX XXXX, it is XXXX XXXX, XXXX and they should be removed. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name KOVO INC Account number XXXX Account type Sales Contract Responsibility Individual Date opened XX/XX/XXXX Status Open. {$10.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$180.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$10.00} Original balance {$240.00} Highest balance - Terms 24 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days Payment history guide 30 days past due as of XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status.
Product: Bank account or service

I have been banking with USBank for almost 20 years. I thought they were the BEST Bank. Then I noticed bank charges for things I opted OUT of, that USBank sent out. 
When I asked why items were being paid when I had opted to NOT PAY IF the funds were NOT enough to do so. I never got a satisfying answer. Plus I was charged with OD Fees ; Multiple times. 
Then we were victims of Fraudulent activity on both our Checking & Savings Accounts. USBank closed our Checking Account right away, but left our Savings Account open for 3 months longer. It was even getting Interest added to it. I had to call in & ask about what was happening with our Savings Account before they FINALLY closed it. In the meantime, both my husband & I were treated & talked DOWN to like we were beings of the lowest order. 
Then AGAIN, just a couple of days ago, 3 items were paid even though I opted out. 
I called Customer Service to found out WHY? I was told at the time it was presented the first time, WE HAD the funds available, BUT the Merchant did n't take the payment. They let the hold expire & NOW they were coming back to get the funds ; so my optingout in THIS case did n't apply so on top of the negative balance the 3 items caused, I was going to be charged 3 overdraft fees. 
A week before the overdrafts happened, we ( my husband & I ) had decided to change banks. We got tired of the treatment you had gotten over the past few months. That 's the way they treat a customer who has been loyal off & on for almost 20 years? We 're DONE! We have paid out enough in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Chapter XXXX Bankruptcy, which is reporting inaccurately on my credit report. I sent a letter to Experian ( EX ) dated XXXX XXXX, 2017. I received the investigation results from Experian dated XXXX XXXX, 2017. The bankruptcy record on my report " remains, '' according to EX. The details of my results state " the company that reported the information has certified to Experian that the information is accurate ... '' In this case, the company the information should have been reported to EX is US BKPT CT IN XXXX. However, I previously sent a letter to the Indiana Bankruptcy Court, asking how they verify information with the credit bureaus. The court state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' In this case, EX should have contacted the court, but there is no certainty that the court certified the public record to be accurate since they do n't report to the credit bureaus. 

Also, I have completed security freezes with XXXX ( X/XX/2017 ), XXXX  XXXX XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), and XXXX ( X/X/2017 ). All documentations are attached to this complaint.
Product: Credit reporting or other personal consumer reports

I have an account named ( XXXX XXXX XXXX ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that Experian wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.
Product: Credit card or prepaid card

My Discover Credit Card has a credit limit of {$3500.00} for XXXX XXXX  years. Perfect credit history here. 

I am not happy about it but I never bothered to apply for increasing the credit limit. However, this company is crazy now. They locked my card yesterday without prior notice, which caused some trouble and embarrassment. Today I was told to authorize them ( in collaboration with XXXX. LOL ) to request my tax forms from IRS ( XXXX ) otherwise they would close my account in XXXX days. 

Obviously they have their very special way to do business, but at this point any thoughts of me to use this card is a self-humiliation.
Product: Payday loan, title loan, or personal loan

I paid XXXX XXXX  in full. 
This company tried to take another payment out of my account for XXXX . I  showed my bank that I paid the XXXX in full. The company sold my account to Nationnal credit adjusters and it ended up on my credit report showing I owe XXXX $
Product: Credit reporting or other personal consumer reports

It has been wrote off long ago and now there bring it back up and it's the same account two times how is that legal I'm contacting a attorney and the XXXX  account they know is not mine just like the cable account they deleted the address because I never lived there but left the debt on my report I feel like I'm being discrimination against me and I know there's attorneys who would be more than glad to take my case because there simple experion XXXX and the other two are all doing the same thing just like it says I live and lived in Wisconsin never have I in my life lived in them places step up your XXXX XXXX profiling poor people before we all come together and fight you all in court I'm definitely tomorrow contacting a attorney this is wrong and I have had it
Product: Mortgage

My mortgage servicer is Fay Servicing ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). We have an impound account for our mortgage through their company. They did not pay my home owners insurance through the impound account so I paid this out of my own account. They also did not pay my property tax on time so I again paid this out of my own bank account ( {$9000.00} ). As they have not been making timely payments if they pay at all I called on XX/XX/XXXX requesting to close my impound account and that I would pay property tax and other payments on my own. I was told by the representative that they would not do this. When I asked to speak to a manager I was told one was not available. They reported they paid the property tax even though the county assessors office has no proof they have but instead showed that I paid the account on my own. 

I have attached my property tax bill that was due XX/XX/XXXX as well as evidence from my bank account that I have paid this bill instead of the impound account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  Acct # 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: Credit reporting or other personal consumer reports

I wrote to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde 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 has violated my rights.

T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any ab949dv item of information other than records of convictions of crimes which antedates the b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Automotive- XX/XX/2024 XXXX XXXX XXXX XXXX Auto Financing Companies- XX/XX/2024 XXXX XXXX- Auto Financing Companies- XX/XX/2024 XXXX XXXX- Auto Financing Companies- XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Finance, personal- XX/XX/2024 XXXX Finance , personal- XX/XX/2024 XXXX- All Banks - non specific- XX/XX/2024 XXXX XXXX- Finance, personal- XX/XX/2024 I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights.

Please remove the inquires from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXXXXXX XXXX yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.
Product: Money transfer, virtual currency, or money service

I can not use XXXX  to sign into my bank account in apps that require it, for example XXXX and XXXX. PNC is blocking sharing my banking history and does not allow traffic to third party data-providers : XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX XXXX XXXX for 10+ years with home mortgage and then had a home equity mortgage for 5+ years. Then in XXXX to XXXX of XXXX XXXX XXXX sold all their home loan businesses to other loan companies. While being with XXXX XXXX I always had a direct withdraw from my account and never had an issue. During this transfer of business my home loan transferred w/o out any problems and the home equity did not transfer at all with specialized loan services. Never rec 'd proper notification or any calls from this new company. Then at the end of XXXX of XXXX I rec 'd a call from XXXX XXXXXXXX XXXX XXXX ( before they totally closed this department ) she explained that they had transferred over my account to a new company and they have not rec 'd any payments- explained that I am on auto-draft and the funds have been in the account and should have been withdrawn - to find out that I needed to contact Specialized loan Services to set up. Contacted them and got all set up and all of the back month payment caught up. The rep at XXXX XXXX XXXX stated that they would handle this and would not affect my credit since this was a transfer account. Then in XXXX the funds came out for that month. Then in XX/XX/XXXX automatic payments stopped again -- called them back and was explained there was additional charges that were applied to the account and automatic withdraws stop automatically if current on the account. Paid the additional charges and reset up my automatic withdraw from my account. Since then, there has not been any additional issues. 
. 
Reviewed my credit report and found that I rec 'd my first late payment on my account. I have never had a late report on my credit since I started 45 years ago. 
. 
Contacted Specialized Loan Services and requested a review of all the issues that I had during the transition of my account from on bank to another. Rep said that they could remove the 1st late payment from my credit which they have to report after 90 days late - but since this was 5 months late, they were unable to help me. 
They refused to supply me with any of the note documents that were from the XXXX XXXXXXXX XXXX or myself during this transition. 
. 
I got on the site for Specialized Loan Services to see what documents I could find. Found that the " Welcome Letter '' letter was sent out XX/XX/XXXX. I have been charged for 3 months of late payments prior to their welcome letter. 
. 
No certified letters were ever sent to the home address by XXXX XXXX XXXX  or Specialized Loan Services. 
. 
I have requested my file to be reviewed and have been denied for the review. 
. 
I have attached the Welcome letter and my credit report to show this has been my only late report and need assistance for a company that can assist me in my problem or an attorney that may assist me in my situation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX CREDIT UNI {$19000.00} XXXX. XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Original creditor : XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX {$7700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE FRAUDULENT ACCOUNTS ON MY REPORT PLEASE REMOVE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDITED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX TRANSUNION is reporting this account as open. Obviously an account that has been sent to collections should not be listed as an open account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE this item immediately. 

When the requested above deletions are made, please mail me an update copy of my credit report Kind regards
Product: Credit reporting, credit repair services, or other personal consumer reports

As appears in Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX This people are requesting my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. In XX/XX/XXXX I lost $ XXXX untraceable money from XXXXXXXX XXXX Coincidence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Requested my credit report on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report without my consent on XX/XX/XXXX When I called them to complain about it, they immediately asked for my social security number. Imposible! I didn't provide the number, so they continue asking for more personal information, I just disconnected the call. I noticed they were clearly spam numbers.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance Owed : {$480.00}, US DEPT ED XXXX Balance Owed : {$1000.00}
Product: Credit card

I have an account with American Express. I rented a car with XXXX on XX/XX/XXXX and returned the car on XX/XX/2017. XXXX charged my account {$160.00} my total rental was {$46.00}. XXXX credited my American Express account back {$110.00}. I called AMEX Authorizations Department on XX/XX/2017 and they stated that the {$110.00} was not credited back to my account. Once again I called XXXX and they stated that the money was returned to AMEX. Now Amex claims everything has been settled with the rental car services but the my money is NOT reflecting toward my available credit.
Product: Credit reporting or other personal consumer reports

I was incarcerated from XX/XX/XXXX of XXXX until XX/XX/XXXX of XXXX. So anything on my report during that time is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : $ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Citi Bank resolved the issue in their email on closed case # XXXX HOWEVER they have again called and sent us notices ( as attached ) that they did not close our account as promised How can I stop them from fee 's with a closed again??
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT authorize an inquiry from the lender while submitting my paperwork and deposit for a vehicle. Before completing this paperwork I inquired multiple times if it would be a hard or soft pull. XXXX, the sales representative, assured me it would be a hard pull. One day after I submitted this paperwork I saw an inquiry on my Equifax credit report from XXXX. I didn't recognize this inquiry and asked XXXX and XXXX, the finance manager, if they recognized that inquiry as being from them. They assured me once again that no they didn't run my credit. I then filed a dispute directly with the credit bureau and they traced the inquiry back to the dealership : XXXX XXXX of XXXX. When I asked the dealership, they told me verbally that they ran my credit on Equifax, which contradicted their several earlier statements that 1 ) there would be no hard pull, and 2 ) they were not the inquiry that I asked about. I have asked the dealership to remove the inquiry and have not heard back on that point.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to demand the immediate removal of fraudulent credit inquiries that have appeared on my credit report as a result of identity theft. These inquiries were made without my authorization, and the credit reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). I require these inquiries to be removed within four ( 4 ) days of receipt of this letter.
Product: Debt collection

Dear [ XXXXXXXX XXXX XXXXXXXX ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ XXXX XXXX XXXX XXXX ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ). 
Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe. 
Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to the company
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate. 

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  The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me