23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We bank with XXXX and they use FISERV for online bill pay. On XX/XX/XXXX the bank attempted to send 2 bill pays, one for {$100.00} and one for {$120.00}. We apparently didn't have enough funds in the account, but FISERV did pay the bills for us. FISERV sent us a collection letter stating we owed them the funds and gave us a phone number of XXXX to reach them. We called on XX/XX/XXXX and spent over 60 minutes on hold. We called back the evening of XX/XX/XXXX and spent about 15 minutes. We called again today, XX/XX/XXXX, and spent another 30 minutes on hold. We have been unable to reach this company to resolve this issue. The only other option on the phone is to get a mailing address to send a physical check to. This company has suspended our ability to pay our bills online, and is not providing a speedy or efficient resolution to the issue. Besides the fact I have YET to speak to anyone from FISERV. We called XXXX, our bank, and they told us we have to talk to FISERV. This has been a completely horrible process and FISERV is not responsive at all.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included the screenshot for inside this complaint in/on dates of 2022 Please investigate and provide proof with statements showing that this payment was late. If proof can not be provided, I demand the payment be updated to paid as agreed on time, as it should be because it, in fact, was never late. Please see the attached screenshot. Thanks in advance for your assistance.
Product: Bank account or service

I XXXX XXXX XXXX is disputing inaccurate information on an previous account with Bank Of America. I had the account bank in 2012 but I did n't attempt to transact with an account in any way. I had my Identity stolen from me at that time. I reported Identity Theft to all. Please help Contributor : Bank Of America Contribution Ref # : XXXX Bank Routing # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/22 I was contacted by BC Services in regards to a Hospital Bill, the Rep offered that this will ruin/hurt my credit it I did not pay that day.

The NO SURPRISES ACT enacted by the House or Reps states that Hospitals have to offer the prices for services upfront. This did not happen.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that are erroneously listed on my credit report. I have recently reviewed my credit report and found multiple inquiries that i neither authorized nor recognize. These inquiries have adversely affected my credit score, and i request your assistance in resolving this matter. 

the following are the unauthorized inquiries listed on my credit report 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 XXXXXX/XX/XXXX i assure you that i have not initiated any transactions or relationships with these institutions that would warrant a credit inquiry. Therefore, i believe these inquiries are the result of an error or potentially fraudulent activity. 

I kindly request the CFPB to investigate these inquiries and remove them from my credit report as soon as possible. This correction is vital to maintaining the accuracy and integrity of my credit history.
Product: Credit card

Re Costco Citi Visa : On XX/XX/23 I accidently missed XXXX on a XXXX XXXX statement balance. ( I paid XXXX of the balance ). 

On XX/XX/23 I realized the error when my XXXX statement showed an interest fee of XXXX. 
I called Citi and the rep said due to my exceptional payment history, he would credit back the XXXX. I immediately paid the overdue XXXX as well as the current charges on the XXXX statement. 

On XX/XX/23, I noticed on my XXXX statement that all of the above listed payments were accounted for and paid on time. Yet now I am charged another XXXX interest charge. 
I called Citi and talked to a rep and the supervisor. They both said that I would always be charged 2 months interest on a missed payment due to " residual interest '' and that their computers will not let them do anything about it because I already had the XXXX waived. This is regardless that I had made all payments on time. 

So in summary, Citi is charging me XXXX interest on a XXXX delinquent payment that was supposedly removed a month earlier. This sounds illegal to me, or at least it should be.
Product: Credit reporting or other personal consumer reports

This account was paid to the original debtor and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Amerihome is showing my loan is missing a payment. When the loan first started with Amerihome, XX/XX/XXXX they sent me correspondence to show the start date was actually XXXX. Amerihome ( after several frustrating countless phone calls ) kept my 1st payment in a suspense account and later applied it to the XX/XX/XXXX payment. Months have gone by, no issue with the payment. Now 3 months later, Amerihome is stating I am behind a payment from the start date.

Every time I speak to someone at the office I receive a different answer. No resolution. I do not want to be in default nor be reported to the credit agencies for being late. I am not late. Their records are incorrect. It has been nothing but issues since the start of servicing ( 4 months ). There are 5 " misapplication reversals '' ( see attached ) since the start of the loan. It is always promised that a supervisor will call me within 24 hours to follow up and that has never happened. I can not get a straight answer from anyone.
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 UCS 1681. 

XXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # 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 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 information is inaccurate.
Product: Debt collection

They first reported it to the credit bureaus. Then I received notice of this debt. I replied back that I have no knowledge of this debt. My XXXX account has a XXXX  balance. This is the third request for them to remove it from my credit file and send proof of debt. They have done neither. If they cant provide me with proof of debt it needs to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I'm very disappointed to find that these unauthorized accounts still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the following accounts, Equifax continues to report it, which is deeply concerning. 
XXXX and XXXX have already recognized the error and removed these accounts from their records. I urge Equifax credit bureau to follow suit promptly. Immediate action is imperative to delete these fraudulent accounts resulting from identity theft. 

XXXX XXXX XXXX XXXX XXXX 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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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
Product: Credit card or prepaid card

COVID-19 arrived. 

I wrote a nice letter to AMEX, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Hilton Honors credit card. 

They are still charging my account for payments and interest.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

I can not get anyone to do their job at Freedom Mortgage so I am having the homeowner file this complaint on his own. XXXX XXXX is the homeowner and if this complaint is in the third person, it is because it is the same complaint I have tried to file on his behalf with no success, as Freedom Mortgage is seemingly above having to respond to complaints made against them with the the CFPB : XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He is actively seeking gainful employment and wants to save his home that he resides in, desperately. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Freedom Mortgage.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. Additionally, there is discrepancies on the late payment dates and the dates shown on my credit report. 

15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I purchased furniture from XXXX XXXX XXXX  in XXXX Texas. It was a 90-day same as cash, the account was paid in full on two different dates XX/XX/XXXX and XX/XX/XXXX. I paid all other lease payments that were scheduled to be paid within that 90-day period. On XX/XX/XXXX I paid one payment of {$75.00} and another payment of {$430.00} leaving a balance of {$250.00} which was paid on XX/XX/XXXX. All payments were made over the phone with their customer service representative on recorded calls. After that payment was made the account was closed out as paid in full. I checked the account two later and the account still showed paid in full. Now they are contacting me to collect more payments and trying to extend the lease with an increase in the balance amount by XXXX dollars. 

Acima XXXX XXXX XXXX XXXX XXXX XXXX  UT. XXXX Phone XXXX Collection XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, XXXX, and Equifax regarding inaccuracies on my credit report with the debt collector XXXX XXXX. The account is still reflecting inaccurate information after requesting for removal due to the inaccuracies. 

Scheduled payment, terms, payment status, and worst delinquent status are all reporting different across the credit agencies.
Product: Checking or savings account

On XX/XX/22, there were 2 unauthorized wire-out transactions with the total of {$100000.00} in my Citibank 's account. I opened a fraud case with Citibank on XX/XX/22. On XX/XX/22, Citibank denied my claim due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. Citibank refused to share what they based on to determine that I provided my account information. I only provided my information ( but not username and password for my account online ) to Citibank 's representatives to verify my accounts after these transactions completed. Citibank opened a disputed case. I was shocked and nervous after the incident happened. As the result, I answered the questions without clearly understanding questions implication. However, I explained what happened and told them that Im willing to provide the proofs to prove that I didnt do anything wrong to make this incident happened. But Citibank didnt consider my explanation and didnt give me any chances to prove that. I requested to speak with investigators many times. All the representatives told me that the investigators will contact me. But they didnt. All I received were declined letters without providing the detail of their investigation. Almost 5 months of waiting, I still didnt get an appropriate response or help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. Please remove these fraudulent accounts from my report. 
I have included documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. Thank you in advance and I appreciate your prompt attention on this matter. I await your reply.
Product: Debt collection

I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.
Product: Debt collection

A correspondence was mailed in regards to a alleged debt of {$80.00}. This company violated multiple laws : Violations : 1. 15 USC 169 2e ( 2a ) was done by reporting a positive amount of alleged debt owed.

2. 15 USC 169 ( 3 ) was done by printing the logo on top of the page.
Product: Credit card

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my account. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : DISCOVER BANK XXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Product: Vehicle loan or lease

I purchased a truck in XX/XX/XXXX. I bought it thru a dealership, the int. was high even tho I had good credit rating. The finance person assured me repeatedly that I would be able to lower the payment within a year. That was a flat out lie. They sold the contract. The company that purchased it did a terrible job with how they applied the int to the loan taking way more than they should have each month. I stopped making payments until they corrected this situation. They never did. Instead they put two payments to the rear of the loan to get me caught up, I made a double payment, all of which went to int. except a small amount. The credit report constantly shows me late, when in XXXX I caught up and stayed current. they even admitted they missed one of my payments. they wont correct it. very damaging. and still they want thousands more in interest money than they should be getting. the correct amount should be {$13000.00}. they have it as XXXX, and I have paid well over 15,000 with more expected. I have argued til I am blue in the face. they just wont listen to reason. I show I have 8 payments left, they are demanding 12. I refuse to give in to them. I just want this done. I may not have been perfect on this loan, but it is paid and I can pay it off today, if they would come to a real number, and that would be 6 months ahead of schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB No : XXXX XXXX The reply provided by TransUnion is totally unresponsive and unacceptable. 
The basis for my complaint is the conflict of interest inherent in TransUnion permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information TransUnion has permitted to be placed there to begin with. 

The fraudulent and false information complained about has not been removed from my credit file and still remains. 

In addition, TransUnion has taken other deliberate steps to financially damage me even further. My complaint for fraudulent information was against TransUnion alone, because there is no fraudulent information on either my XXXX or XXXX credit file absolutely none of any kind. 

In addition, there is fraudulent information on my account which never should have been permitted to at the outset and must be removed.
Product: Debt collection

On XX/XX/year>, Midland Credit Management contacted me seeking to collect a debt that is not mine nor tied to my name. I informed them as such expecting them to stop calling. They have not. 

They have continued to contact me on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each time, I have ignored the call knowing that the debt is not owed by me. Additionally, on XX/XX/year>, they attempted to contact me at XXXX XXXX. Given that I live in Washington XXXX, this appears to be an unreasonable communication attempt and an unfair debt collection practice.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XXXXXX/XX/XXXX