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

I ask the credit bureaus to do a verification of everything thats on my report, they did and they said that everything is accurate. I did a thorough research myself even after they did the thorough research and I found improper, inaccuracies on the credit report even after they did the thorough research. 


XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A section 2 : It will also States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

On XX/XX/XXXX I called PNC to try to pay my full balance. I asked if there was interest on the account and if I could get a full payoff total. I was told the system would not allow me to pay anything over my balance that is listed in balance due section. I spoke with XXXX and asked if I paid my full balance on XX/XX/2022 would interest be assessed on my next bill. XXXX told me if I paid my full balance on XX/XX/2022 there would be XXXX dollars of interest on my next bill. Later that day I called back to verify that my payment went through, and I asked once again about the if interest would be charged to my account, once again I was told no. On Saturday XX/XX/2022 I saw my online statement and there was interest charged for {$12.00}. I immediately called customer service, I explained to the rep what took place, and he went to speak with his manager, he returned to tell me his manager said the interest would have to stay and would not be removed. I requested to speak to the manager and that was XXXX. I explained over again to XXXX the situation, though he seemed reluctant eventually XXXX told me the interest of {$12.00} would be reversed and I should see the credit on my account in a few days. I have checked my account all week and saw no changes, the interest fee was still there. I called today XX/XX/2022 only to find out somehow the request to reverse the interest was denied, no one called or email to tell.
Product: Credit card or prepaid card

XXXX   XXXX  l, closed  2  of my accounts, best buy and  XXXX . I have had these account for years. never been late was a good customer. they said my credit rating went down. ( with them closing my account the real went down   ) w  hat gave them the right to judge me!
Product: Credit card

A duplicate charge of {$89.00} from XXXX XXXX occurred on XXXX/XXXX/2016 ( original charge posted XXXX/XXXX/16 ) and multiple disputes were submitted by the primary cardholder ( XXXX XXXX XXXX, her son XXXX XXXX ( who has POA ) and her daughter in law ( XXXX XXXX XXXX who was added as an authorized user to Citi Card account ; however, the final resolution was that sufficient information was not submitted by the response date even though verbal contact was made 2 days prior to final letter was produced inquiring what other information was necessary to resolve the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus XXXX  XXXX XXXX Experian are reporting my business as being under a parent company XXXX XXXX XXXX XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of XXXX credit report showing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

When sending money through XXXX and if its sent to the wrong person. The banks wont get you your funds back
Product: Mortgage

My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially modified by XXXX  XXXX XXXX prior to being transferred to Ocwen Loan Servicing. I sent 3 mortgage payments to Ocwen Loan Servicing. After Ocwen Loan Servicing received the 3 payments they submitted fraudulent documents for me to sign to double my monthly payments, which caused my home to go into foreclosure. I was forced to moved out of my home after all of the harassing phone calls from Ms. XXXX XXXX. Ocwen Loan Servicing are monsters.
Product: Debt collection

I received an email from Halsted Financial Services claiming to be a third-party collection agency with a debt belonging to me. I requested a written validation letter by mail to my correspondence address, asking whether they are authorized to collect on behalf of XXXX XXXX XXXX, assignee of XXXX XXXX XXXX  and XXXX XXXX, XXXX. I have yet to receive any kind of e-mail or e-mail from them. I have sent another in a follow-up email demanding the same, but no documents have so far arrived at the correspondence address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} - - - XXXX XXXX XXXX XXXX XXXX {$170.00} 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 permission
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with Navy Federal Credit Union. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that Navy Federal has erroneously reported a XXXX late payment to all three major credit bureaus ( XXXX, XXXX, and XXXX ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my XXXX XXXX. 

Upon contacting Navy Federal, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on Navy Federal 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my credit score, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.
Product: Checking or savings account

I have been banking with bank of AMerica for a while now and i have been receiving direct deposits and my paycheck goes into that account. I received some funds which i needed to withdraw however bank of america placed my account on hold to investigate the transaction. I have no issues with that as it was legitimate and also explained why it was sent. I have cooperated with all their investigations/requests etc which supposedly only takes 3 to 5 business days. Unfortunately while the hold was placed on my account my paycheck was paid in. After the 5th business day i contacted the bank and i was told to wait 30 more days to make matters worse i was told to " make other arrangements ''. How exactly was i suposed to do that? How will i pay my rent? My bills? I explained this to them but they said they can not do anything, asked they just give me the paycheck while they do their investgation but they said whilst its ongoing they are unable to do anything. I have never, in my 10 year credit history, missed a credit card payment, unfortunately due to my account been frozen, i will be inccuring a non-payment report. I am extremely frustrated, worst part is no one is able to give me an answer as to what is going on, when i ask to speak with the department doing the investigation i am told they are an unknown entity that does not have a phone number. Please help before i am evicted amongst several other things
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky
Product: Credit reporting 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 to comply 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 fail 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 about : XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Product: Debt collection

This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
Product: Mortgage

the other complaint with fay servicing you closed i need re opened.not resolved. this complaint is is i continue to request copies of stmts i misplaced and current ones. due to my XXXX. XXXX XXXX their lawyer who only got involved after they filed their un necessary foreclosure, XXXX XXXX tells fay serviign not to answer me. I dont get answers explanation of payments, i just get a script saying This has been sent to the relevant dept. 
and then get no answer. XXXX XXXX 's answers are full of ommissions, commisions and distortions he tries to make it appear my concerns are baseless. Not true. 

I asked multiple times why XXXX payment shows a lower rate with higher payment. Given that I am fighting the un necessary foreclosure wherein i was not represented with due process due to extreme lawyer incompetence, Fay servicing is up to their old tricks and i will prove it. Send repsonse XXXX know they dont answer RESPA just say its all duplicative. 
but i dont get my answers not to payments why they are what they are, they just keep billing me fees like they have been known for all while breaching TPP and denying loan mod during pendemic where there was enough income. They send you copies i never received lying saying they offered me an appeal opportunity. I am very concernrded with this agency and the lack of functionality and have spoken to my senator and congressperson. I dont expect a lawyer in you but you just close complaints when the answer provided does not address concerns... I need fay serviciing to answer me not send to XXXX who thinks he can protect them from action i am taking I should not can not as a customer be denied answers just becuase he tells them not to answer me as its in litigation while your office has done nothing to help me and no i dont expect you to be a lawyer. for me.
Product: Vehicle loan or lease

I availed of a 60-month auto finance loan from TD Auto Finance (TDAF). The last payment was due XX/XX/XXXX. I had paid 59 payments for the vehicle on time, via an automatic online payment system, with each payment close to $3000, ON TIME EVERYTIME. I was NEVER LATE.I received a letter from TDAF datedXX/XX/XXXX advising me to 'watch your mail for a separate invoice from TDAF. You can send it your payment to the address on the remittance slip that is included with the invoice'.  (See attached image, with higlights). I waited for the invoice which I never received. When I was contacted in late XXXX/early XXXX by TDAF, I mentioned to the caller that I did not get the invoice as promised in the email. I then settled all outstanding amounts in the same call using my credit card immediately.In late XXXX/early XXXX I learned of the adverse reporting by TDAF to the credit agencies affecting my credit score. I contacted XXXX and explained the situation to them. They advised me to contact TDAF. I sent in all the paperwork to TDAF in earlyXX/XX/XXXX explaining the entire sequence of events. I contacted them on XX/XX/XXXX, and was informed that the dispute resolution response had been mailed to me. Having received NOTHING in the mail, I contacted them again on XX/XX/XXXX to learn that their Dispute Resolution team was unwilling to change their reporting to the credit agencies. I explained that I disagree strongly with their conclusion, and I have no recourse but to escalate the process.
Product: Debt collection

I received a phone call at my place of employment today and there was a voicemail left for me. I returned to call to find out they are attempting to collecting a debt for a visit to an emergency room. I informed them at the beginning of my call that I received a voicemail at my place of employment, after he explained what the debt was for I asked to not be contacted at work and that I would make a phone call myself to the company after I am out of work. He declined to acknowledge they were contacting me at work and asked how I would be taking care of the debt, which I informed him again I was at work and would discuss this at a different time. The collector then informed me I had 13 months to discuss my debt and have yet to do anything. I simply hung up after that statement.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I wrote to Experian to have some hard inquiries investigated and removed. They are not mine. I already contacted the companies. They said I needed to contact the Credit Bureau which I did. I did not give them permission for them to run my credit. Those inquiries were not authorized. Experian never responded to my investigation. It's been almost 60 days where is my response. This is unacceptable.!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. 
The unauthorized account details are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX
Product: Credit reporting or other personal consumer reports

I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights. 
This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report Also how are they even reporting this on my report when the information reporting is inaccurate. Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation and once again needs to be DELETED!!!
Product: Debt collection

On XXXX2016 the ambulance transported me from the ER to the main hospital. I was diagnosed with a XXXX ( XXXX  XXXX ), XXXX XXXX and at last XXXX  ( which was the main reason I went to the ER ) but then they found the XXXX and XXXX XXXX. They admitted me immediately into their main hospital. The ambulance company or hospital miscoded the transport as a non-emergency which should have been coded as emergency. My insurance company does NOT pay for non-emergency transports which leads me to this problem. I had gone back and forth with the ambulance and hospital to have them recode the error but NO ONE took responsibility and haven't heard anything for 4 years so I thought the ambulance company let it go. Now I'm in the process of refinancing and the collections came up for {$1600.00} and now it has restarted up once again. Had they coded this correctly my insurance would have paid their negotiated fee and I would have paid the remainder. But of course that did not happen so now they want the entire {$1600.00} transport fee. NOT FAIR, I feel as I have been scammed. I have seen this on XXXX  XXXX news where ambulance companies deliberately miscode knowing the insurance companies do not pay for non-emergency transports. I have been done a great injustice. I am a recent widow and raising a teenage granddaughter. This is a large amount and the collector will not work with me they of course want the whole amount. There is no negotiation with them. Please help!
Product: Checking or savings account

I had problems with the ATM at my local bank chase XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States will count my deposit wrong Ill have XXXX dollars missing or XXXX the last ones I had on XXXX and XXXX was XXXX dollar bills thats when I when inside and talk to customer service and they will blame it on me I told them I just made deposit outside and I have a receipt and told them how change was missing on my account so I start paying my credit card with dollars and use the leftover pennies on my count last time I visit the bank and show proof to balance my account with weird atm fees and charges they just use security to literally kick me out the bank by intimidation and strong body language and obsessive verbal harassment I try going back last week on XX/XX/year> and ask for My ID which is missing and thats the last place I use my California ID so now I talk to costumer server over the phone and they dont wan na give me answer and that they decided to close my account with no explanation on todays date XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several credit card accounts that I did not open. These accounts were fraudulently opened in my name without my knowledge or consent. I did not authorize the release of my Social Security number through Form SSA-89 or any other means, meaning this account can not be properly verified. 

I have disputed these accounts with TransUnion and requested their removal under the Fair Credit Reporting Act ( FCRA ), as they are reporting unverified and fraudulent accounts. I am now filing this complaint because I want these accounts removed immediately, as they are negatively impacting my credit. 

I have attached a dispute letter along with supporting documents to verify my identity. Please investigate this matter and remove the fraudulent account from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

The name the account i under is incorrect and was not open by me! The name on the account is XXXX XXXX. Thats not how u spell my name. My name XXXX XXXX XXXX!! It was not open by me!
Product: Credit card or prepaid card

I was using XXXX XXXX for the first time using my Chase Visa card I called Chase to verify that I hat I would be protected for any purchases made through XXXX XXXX and was told that any transactions made on my credit card I was protected. I never received the product I have not been able to get in touch with the seller I put a dispute in through Chase two months ago and got a call back yesterday saying they could not help me I explain to them that I had called Chase before I made the purchase to verify that I was protected for this purchase and the Chase agent stated that it would be protected. I stated this to the agent that called me yesterday XXXX XXXX, I asked him to look at my records and see that I made the phone call and bring it to a supervisor is before they reapplied the charge to my account they did not! They replied to charge without even a second phone call. Regards, XXXX XXXX