23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am the creator/settlor of a credit transaction with XXXX XXXX XXXX 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing emotional distress and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction.

The inaccurate late payments are as follows : XXXX XXXX XXXX days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX  XXXX XXXX days late XXXX  XXXX  XXXX  days late XXXX  XXXX  XXXX  days late XXXX XXXX XXXX days late
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 an account without my written permissions and instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me statements, and noticed charges from Virginia. I've never been there. Also charges were made In Ct, when I was a resident of Vermont. I simply wish to resolve this issue. I made payments In good faith before these discrepancies due to being an owner of a XXXX XXXX. Dispute has been in process for XXXX months with no resolution.
Product: Debt collection

USAA is abusing my credit report they have been reporting on my account for over 13 years for the same exact account and thats abuse
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX and list of Inquiries 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 ) ( 1 ) 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 reporting, credit repair services, or other personal consumer reports

This company has now damaged my reputation as a consumer as well as violated my right to privacy. They have furnished inaccurate information and accounts in the report as well as furnished my information to other parties without my written consent as a consumed to do so Violating Title 15 U.S.C.1692c ( b ) and 1681b ( 2 ). As a result of this action they have caused greater harm to my reputation with the 22 unauthorized inquiries present that are not connected to accounts. This is a continuation of violating Title 15 U.S.C. 1681n ( b ). This company has previously disregarded the consumers request for reinvestigation of these accounts and inquiries hurting the consumers ability to obtain credit.
Product: Checking or savings account

This complaint is against Bank of America Most of the time, BOA employees are good and do their job well. 

This issue is about my business account ( Account name : XXXX XXXX XXXX ) On one occasion, I sent a check ( through BOA bill payment ) of {$860.00} to the wrong person. I sent it to XXXX instead of XXXX. I called small business customer service on XXXX XXXX ( 3 days before the person cashed the check ) and put " Stop Payment '' on check. I explained to them that this check is sent through " Bill Pay '' and gave the check number " XXXX '', but person XXXX fingered it and put XXXX. The check was cashed on XXXX XXXX. For some reason, that person also removed XXXX from Bill payment. 

Later when I called to see why I didn't get the credit and how check was cashed even after putting " stop payment '', " Bill payment '' told me that " small business '' shouldn't have put stop payment on the check as the check was sent through bill payment. And " stop payment '' by small business department doesn't work on checks sent through Bill payment. 

And now every department is just denying to correct this situation and not taking responsibility to correct your mistake. BOA representative from " small business '' shouldn't have put a stop payment on the check and should have sent me to the " bill pay '' department. So even though I called 3 days before person cashed the check, bank of america was wrong in their steps to put " stop payment '' So please help me get my money back. 

Another thing is : calling customer service phone numbers and getting somebody to talk to is very time consuming. You always have a high call volume and every time call is transferred to one department to another, you are again placed on hold. I am on call for the last 99 minutes and still no resolution. 

XXXX, XXXX XXXX XXXX
Product: Bank account or service

XX/XX/2016 I closed XXXX of my Wells Fargo accounts. XXXX closed without issue and I had a pending charge on XXXX so I had to wait for it to clear before I could close it. The charge went through and I called back and closed the account. I assumed that was the end of it. Several months later I received a collections notice for {$210.00} from Wells Fargo for the account. I called Wells Fargo and they told me to file a claim and they would look into getting it reversed. 3 weeks later I received an email saying that I should consider the matter closed. I figured that was the end of it then I received yet another collection notice from Wells Fargo for {$210.00}. There was a charge from XXXX that was auto pay and I had forgotten about it. Once I got the collection notice I cancelled my membership to XXXX and I was told over and over by the people at Wells Fargo Customer Service that they would just reverse the fees and call it even. I assumed that was what they were going to do but they are coming after me to {$210.00} worth of fees for an account I was under the impression was closed XX/XX/2016. I am being told by WF Customer Service now that they ca n't do anything and that I will just have to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not removing old addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am struggling to get the credit bureaus to remove these hard inquiries from the XXXX XXXX XXXX company. My husband and I started the process of refinancing our house in late XXXX and it ended up taking more time than it should have. XXXX decided to run our credit over 6 times without our permission. I have been trying to get the credit bureaus to remove all duplicate non authorized inquiries off my record. They advised me to call XXXX XXXX and I did that I spoke with a XXXX today ( XX/XX/XXXX ) who told me I have to dispute them with the credit bureaus. So here I am needing assistance since they won't remove them. I need all 4 of these removed since they were not authorized by me these all duplicate inquiries they did without my permission and they can't provide any proof that I signed off on this. EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and was made aware by XXXX XXXX XXXX   incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX is being responsive but slow and I have to file new reports one at a time. XXXX  and Experian have been unresponsive please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX2020 I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of XXXX  Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I closed on my home XX/XX/XXXX. At that time my homeowners insurance was paid in full to XXXX XXXX XXXX XXXX. Co. for the year. So my mortgage payment for the year was {$2200.00}. In XXXX/XXXX I get a letter from Freedom Mortgage that my payment needed to increase to {$2400.00} due to lack of funds in escrow. Which seemed off to me at the time but ... The letter stated these payments needed to start in XXXX. So, I made my payment for XX/XX/XXXX in the amount of {$2500.00} to cover escrow and add a bit to principal. 
Late XXXX I get a letter from XXXX that my homeowners insurance was never paid by Freedom Mortgage Co.??? So of course I call Freedom Mortgage Co. and get a recording saying that my insurance is XXXX XXXX XXXX. Co and my payment is almost triple the price for an exorbitant amount of coverage. Come to find out that someone at Freedom Mortgage Co. applied the wrong insurance company with a wrong amount to an account that was paid up for the entire year! How does that even happen? So, I finally get someone to actually speak with and tell them they have the wrong info and it needs to be paid immediately. The payment to my insurance company was made. Ok so that leaves us with the overpayment of funds. So payments as follows, which should have occurred! 
XXXX XXXX payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} To go towards principal. 
XX/XX/XXXX Payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} to go towards principal I have made 3 addition phone calls to Freedom mortgage and they can't seem to figure it out. I made them do an escrow evaluation and they came back with {$2200.00} for XXXX. So I paid {$2500.00} for XXXX which leaves {$230.00} going toward principal. Thats a total of {$700.00} Which should have been applied to the principal on my loan? Which also would effect the interest amount applied. I have tried communicating this to Freedom Mortgage Co. and seem to get nowhere!!!! I am awaiting a phone response since XX/XX/XXXX and have not heard one thing! I need this taken care of ASAP. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX
Product: Credit card

I applied for my home refinance by XXXX XXXX and I find out that I owe Sunlight Financial XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. This loan was paid off in XXXX, also XXXX XXXX told me to provide a proof of payment to XXXX XXXX which also paid off in XXXX. I will like to find out who is playing game on me. I don't know if I need an act of congress to get a loan in this country.
Product: Vehicle loan or lease

I have a credit card account and a consumer auto loan account with US Bank. On XX/XX/2024, I mailed a {$3100.00} check for the payoff on the credit card account. On that same day, I mailed a separate check for {$8600.00} to pay off the auto loan account. US Bank posted both checks to the credit card account, resulting in a credit card account with a balance of - {$8700.00} and an auto loan balance of {$8700.00}. I have called the bank on at least XXXX separate occasions and sent several emails to them pointing out their error and asking them to take the credit balance on the credit card account and post that to the XXXX  loan account, leaving both accounts with a XXXX balance. Now they have started making collection efforts for the auto loan which they say is now more than 15 days late. I do not want their error to negatively reflect on my credit report. No matter who I speak with, nobody seems to understand that they have made an error, much less how to correct it. This is a problem even a XXXX grader could correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting that I filed XXXX claims with my insurance carrier between XXXX of 2018 and XXXX of 2018 ( a three-month window ). This information is false, inaccurate, and damaging, and has prevented me from being able to shop various insurance carriers to get competing rates for homeowners coverage. 

I attempted to reach a Lexis Nexis representative yesterday and today. I have navigated through numerous automated prompts and wasted significant time only to be unable to reach any live person or receive any information relevant to my current issue. I also emailed Lexis Nexis but the address to which I sent my inquiry does not appear relevant to the dispute at hand. 

The erroneous report should be corrected immediately.
Product: Credit card or prepaid card

XX/XX/14 Belk Dept. Store {$2200.00} Balance I opened an account at Belk and the credit limit started around {$800.00} and was increased to {$2200.00}.

I had perfect payment with Belk for several months or for a year, I can't remember now.

My card was stolen, and I found out later that it was stolen by an individual named XXXX XXXX.

I spoke with manager, and then talked to Belk Credit several times about this, but nothing was ever done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$76.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX regarding a debt owed by my ex husband per my divorce decree which was granted in XXXX. We were to each pay half of the credit card debt. I was threatened with a law suit suing me and cancelling mine and my current husband 's credit cards and seizing our bank accounts. My bank account is strictly for my income, which is Social Security XXXX, and my ex husband 's retirement, ( annuity ). She told me the amount of the interest that had accrued over the course of 19 years and then threatened to sue me in a court of law if I didn't make arrangements to pay this debt. She insisted I pay {$1300.00} down and make payments of {$30.00} a month until the amount they would settle for of {$3800.00} was paid in full. She wanted to take this {$30.00} per month payment from my credit card.I tried to tell her I thought there was a statute of limitations and they needed to go after my ex husband. After she was through scaring me and badgering me, I was transferred to another agent who advised me that the conversation was being recorded. He repeated the amount owed and the amount of monthly payments that would be charged to my credit card. They attempted to run the {$1300.00} twice on my credit card ( per my bank fraud protection. ) This man insisted I call my credit card company and authorize this payment. These people scared me and I honestly thought they were going to seize mine and my current husband 's assets along with hurting our credit.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5700.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX sent in disputes letters and file on cfpb and I have not had a response by mail from XXXX, XXXX nor TRANSUNION. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.
Product: Mortgage

My existing loan was recently acquired by Roundpoint Mortgage company. In order to make an automated phone payment they charge {$10.00} ( Ten Dollars ), when speaking with a phone representative they charge {$12.00} ( Twelve Dollars ). The only free option is on the computer or my mail. I feel this is an unfair practice and taking advantage of people.
Product: Debt collection

Re- XXXX this is the XXXX consecutive time I have asked you For information pertaining to this so called debt that you say I owe! You are unable and have not provided me XXXX piece of evidence that I have asked you for that ties me to this debt right now you are a violation of the FDCPA I must warn you in writing remove this unverified account from all credit reporting agencies and cease and desist any further reporting on this account and DO IT TODAY or you would be sued for {$1000.00} if you dont believe me TRY ME Review the file if you dont believe me again try me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX 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 Bankruptcy 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 


XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights 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 sent out a letter on XX/XX/2021 with my ID and identity theft statement as well as a police report for an account someone took out fraudulently in my name. SECU failed to remove it. I called to ask why and they said it is correct but it is not. I also have never lived at the address they are saying I have and I provided that proof as well. 

I also called the credit reporting phone number XXXX and was not given any help by XXXX or XXXX. I had to ask for the supervisor. I was transferred to XXXX and he disconnected the phone line. I have not been able to get help since and they have seemingly blacklisted my account so no one provides help.
Product: Credit card

Card opened fraudulently in my name and used at Army & Air force exchange services. Due to this fraudulent activity my social security security has been reduced XXXX dollars monthly until the debt is paid back to the department of Treasury. This account was opened in sometime in XXXX of 2023 however i was not contacted and did have Fraud alert on my credit agencies. The card is a Military Star card. I need to have this investigated and my credit and social security restored .Date of last activity was XX/XX/year> Thank you