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

I received notification on my alerts through   XXXX   that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and Transunion on  XXXX   XXXX ,   XXXX   with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,   XXXX   which is in the future. Second, I do not have gas service at my present location and have been at my present location  of   XXXX   XXXX   XXXX   for ov er a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,   XXXX   and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Servicing Portfolio , Inc., is reporting that as of XX/XX/XXXX, I am 164 days delinquent in mortgage loan acct. # XXXX when I am not. The property was heavily damaged by Hurricane Mara and the prior mortgage servicer, XXXX XXXX XXXX XXXX XXXX, gave me two payment moratoriums. The first one was automatic and a second one was extended until XX/XX/XXXX, in letter dated XX/XX/XXXX. The mortgage was then transferred on XX/XX/XXXX to Select Servicing Portfolio , Inc., for further servicing. Select Servicing Portfolio, Inc., then obligated us to repay the amount of payments  accumulated during the moratorium period, even though the house was still under repair and reconstruction. We complied with their demand, and a payment plan was approved for such repayment doubling the amount of the mortgage payment for a period of time. Although I complied entirely by starting my payments on XX/XX/XXXX, and thereafter including doubling the amount of the payment, up to this date Select Servicing Portfolio , Inc., has refused to eliminate the incorrect reporting to the credit agencies that I am 164 delinquent on the mortgage loan. More than 4 letters have been sent to Select Servicing Portfolio , Inc., and today I held a 42 minute telephone conference with their Relationship Manager, but they refused to revoke the incorrect reporting.
Product: Payday loan, title loan, or personal loan

Both of the following accounts were opened fraudulently and I had no knowledge of them until they appeared on my XXXX credit report. 

The first was originally opened apparently XX/XX/XXXX at XXXX XXXX for {$750.00} and is now managed by Vance and Huffman. 

The second account was originally opened XX/XX/XXXX at XXXX XXXX XXXX for {$1100.00} and is now managed by XXXX XXXX XXXX XXXX. 

I have filed multiple disputes thru XXXX but the disputes were found to meet FCRA requirements. 

I have absolutely NO knowledge of either account and have never heard of or used either company.
Product: Credit card

This is about my problem with Wells Fargo credit card. I was overcharged, i.e. was double charged for the amount that I have already paid in the last month. 

On the last statement XX/XX/23 to XX/XX/23, I am incorrectly billed {$430.00}. 
What happened was that my payment for the previous cycle was not deducted from the total Purchases Amount. Wells Fargo billed me for the Total Purchases {$450.00} minus Cash Rewards {$14.00} which amounted to {$430.00}. However they didn't deduct my payment {$170.00} which resulted in billing me XXXX  for the same amount in XXXX consecutive statements. 

The right way to do it would have been : {$450.00} ( Purchases ) - {$170.00} ( Payment ) - {$14.00} ( cash rewards ) = {$260.00} - the correct amount to be billed. However I am billed for the {$450.00} - {$14.00} = {$430.00} which is incorrect. Whatever happened to my payment? It disappeared aka not deducted from the total Purchases.

I want this overcharge to be refunded.
Product: Credit card or prepaid card

Commenity Bank, sent notice that they were changing terms and interest rate. You had to either accept terms of service or close the account. My account is in good standing. NO late payments. I accepted terms because I can not pay the balance off in full. The country is in a financial crisis amidst a pandemic at this time. I'm fortunate enough to still be working at this time, but money is TIGHT! This is not fair.
Product: Vehicle loan or lease

On XXXX XXXX, 2016, my wife and I went to Volkswagen of XXXX XXXX to get details regarding the leasing of a VW Tiguan. Before we leased the vehicle, I asked the sales representative if there would be any hard inquiries on my credit, and he said that there would not be any. Since we were leasing the car, he stated, there would not be the same type of hard inquiry you would get if you bought the vehicle outright. Today I performed my bi-annual check on my credit score and noticed a total of two hard inquiries ; one from Volkswagen of XXXX XXXX and one from VW Credit. These hard inquiries were neither authorized nor discussed while at Volkswagen of XXXX XXXX. As such we would like these two hard inquiries removed, as we did not even end up leasing the vehicle at the end of the negotiation process.
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to CITICARDS CBNA regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loan accounts still appear on my Transunion credit report despise being over a decade old. They are not appearing on either of the other two credit bureaus. They must be removed immediately. The accounts in question are listed as follows : XXXX Opened XX/XX/XXXX Highest Balance {$2200.00} XXXX Opened XX/XX/XXXX Highest Balance {$3000.00} XXXX Opened XX/XX/XXXX Highest Balance {$2000.00} XXXX Opened XX/XX/XXXX Highest Balance {$3500.00} XXXX Opened XX/XX/XXXX Highest Balance {$2200.00} XXXX Opened XX/XX/XXXX Highest Balance {$1000.00} XXXX XXXX Opened XX/XX/XXXX Highest Balance {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX have been violated in several way by the referenced below companies. Pursuit to 15 U.S.C 6802 ( a ) The below listed companies had no right to disclose any non public personal information to non- affiliated third parties. Additionally I was not disclosed of my right to opt-out pursuit to 15 U.S.C ( b ) ( B ). As a federally protected Consumer I have a right to privacy, pursuit 1692 and anything I deem private is in fact private. According to 15 U.S.C 1681 a ( 2 ) ( i ) a consumer credit report should not include any consumer credit transactions. XXXX, Equifax and XXXX have also undermined me a consumer by reporting false and misleading credit information. Almost all of my credit balance are inconsistent, pursuit to 15 U.S.C 1692 e 2 ( a ). 

XXXX XXXX had no right to disclose non public personal information to a non affiliated third party pursuit to 15 U.S.C 6802 ( b ) 1. Additionally they were suppose to me of my right to opt-out pursuit 15 U.S.C 6802 ( b ) 1 B.

*There are several account on my Consumer report by this company, and I am required them to be removed immediately. * XXXX XXXX XXXX had no right to disclose non public personal information to a non affiliated third party pursuit to 15 U.S.C 6802 ( b ) 1. Additionally they were suppose to me of my right to opt-out pursuit 15 U.S.C 6802 ( b ) 1 B.

*There are several account on my Consumer report by this company, and I am required them to be removed immediately. * XXXX XXXX XXXX XXXX  had no right to disclose non public personal information to a non affiliated third party pursuit to 15 U.S.C 6802 ( b ) 1. Additionally they were suppose to me of my right to opt-out pursuit 15 U.S.C 6802 ( b ) 1 B. 

XXXX XXXX has been reporting false and misleading personal credit information and incorrect balances on my accounts, pursuit 15 U.S.C 1692 e 2 ( a ). Additionally, I XXXX XXXX never gave XXXX written instruction to furnish anything on my consumer report, Pursuit to 15 U.S.C 1681 B ( a ) 2.

EQUIFAX has been reporting false and misleading personal credit information and incorrect balances on my accounts, pursuit 15 U.S.C 1692 e 2 ( a ). Additionally, I XXXX XXXX never gave Equifax written instruction to furnish anything on my consumer report, Pursuit to 15 1681 U.S.C B ( a ) 2. 

XXXX has been reporting false and misleading personal credit information and incorrect balances on my accounts, pursuit 15 U.S.C 1692 e 2 ( a ). Additionally, I XXXX XXXX never gave XXXX written instruction to furnish anything on my consumer report, Pursuit to 15 U.S.C 1681 B ( a ) 2.

According to 15 U.S.C 1681 ( a ) 4 reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. However the complete opposite has been shown.

As a federally protected consumer I am enforcing my rights, and if any of these companies choose not to comply they are civilly liable 15 U.S.C 1681 n ( a ) 1 A.
Product: Credit card or prepaid card

XXXX XXXX I received a response from a previous complaint ( CFPB Case # XXXX ) from XXXX XXXX/Corporate Consumer Relations with Synchrony Bank dated XX/XX/2022 stating that this account was sold to XXXX XXXX XXXX on XX/XX/2022 XXXX I have made arrangements with them. 

I called XXXX XXXX several times and there wasn't an answer or ability to leave a voicemail. Sometimes, I would just get a busy signal. 
In her response, she stated, " Please note, I have verified the reporting of your XXXX XXXXSYNCB account by Synchrony Bank was deleted on XX/XX/2022 from all major credit bureaus. '' I am still seeing it on my credit reports.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The balance of this account is incorrect, please remove it. 

Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I have never been late on this account, please remove the late payments. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found a item on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX  for {$320.00} this item was removed of of all bureaus
Product: Checking or savings account

I attempted to close my checking account back in 2016, around XX/XX/XXXX I contacted the bank through the online banking and was notified that I would need to contact my local branch. I contacted my local branch and was notified that I would either need to go in person or send a written letter requesting the close. I opted for the latter. I recently discovered that they either never received my letter or never processed the request. As a result, my account remained open. Moreover, my account has been moved to " dormant '' status and I have been assessed monthly fees, with more about to come. I again contacted the bank to close the account. This time, they notified me that since my account is in " dormant '' status, I would again need to visit in person or send a letter. As I have already attempted the latter, can not do the former, and with the clock ticking before the next monthly fine comes, I seem to be out of options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit card or prepaid card

I identified 8 transactions to go into US Banks Promotional Feature XXXX 
Shown below are the date the transactions were posted, the amount of each transaction, the date the transaction was paid by me followed by the XXXX Credit and Debit dates to my account of these 8 transactions. 
Trans Date Amount Date Paid by XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 {$1900.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$500.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$250.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$3000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$290.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$1000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$420.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$2400.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 I submitted a complaint to US Bank on XX/XX/2022 regarding their XXXX  program promotional feature. I contend that the transactions in the XXXX program have already been paid for once by me and once by them. Now I believe I am paying for those charges a second time having those amounts transferred into XXXX. 
US Bank has not adequately explained the details of why this is not so. They fail to itemize each and every time the identified transactions have been been charged ( debited ) or paid ( credited ) by myself as well as by them. While they point out THEY credited my account for those transactions in the XX/XX/2022 XXXX they fail to claim the debit THEY put in for those same transactions. 
By the time the XX/XX/2022 statement was issued, all but 2 of the identified transactions had already been paid in full by me and those 2 remaining transactions from the XX/XX/2022 statement were paid on XX/XX/2022. My statements support this, no past due balances have been carried forward. Each statement was paid in full by its due date. 
So, I paid them all off via paying each statement in full in a timely manner, In XXXX US Bank issued a credit for them that was basically cancelled out by the debit they issued and still there is an XXXX balance shown. I feel I am now paying a second time for those transactions reflected in XXXX. 

US Bank replied XX/XX/2022 with a letter and a copy of my XXXX Statement.

Their explanation is confusing. My principle balance as of what date? I repeat, I always pay my balance due in full and do not carry any interest bearing balance forward. 
They do not adequately detail each and every item or change to the XXXX balance. I can only go by what I see on my monthly statements and it does not include much for the XXXX program. It just does not add up to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 BMW Financial Services reported to XXXX  that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.
Product: Credit reporting or other personal consumer reports

Ran My Credit Upon Relaese From XXXX And Realized Information I Sent To Equifax, XXXX XXXX XXXX Were Not Updated To Correct Statues.. XXXX of 2023 Missed Payment Is False, I Did Not Miss ANY Payments
Product: Credit reporting, credit repair services, or other personal consumer reports

This medical is bill is not my bill. I believe someone is trying to use my information. I sent you my personal documents to prove its me and note that I am not a lender nor a credit repair schemed company. Please remove this data immediately as I have stellar credit.
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  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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: Student loan

I am having issues with getting straight answers out of MOHELA. They change their story every time I call them ( which takes multiple hours each attempt ). 

- In XXXX and XXXX I requested a bill ate change, in accordance with the process on their website. My loans were placed in a three month forbearance, and when they went into repayment the due date change STILL wasn't applied. They have no responded to my requests to change the upcoming XXXX due date. 

- My loans were placed into a forbearance without my knowledge, causing my XXXX payment to be unnecessary, and a duplicate that wouldn't count towards PSLF. When I asked for it to be refunded, they accepted the request, but I never received the refund. It's been over 30 days, which I was quoted as the outside range, and they have no answer as to where my refund is. 

They are dismissive, evasive, and are impossible to get ahold of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some inquiries were removed from my report for approximately a month and reappeared without warning. My concern is if they removed why put them back? I called wrote to transunion, I received a letter stating to call the creditors. I then called them and they removed  1 an d told me they could not remove the others.     Inquires are as follows :   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  The one they removed was   XXXX    XXXX   XXXX ,   XXXX   I was told by the individual I spoke to when I asked what caused the removal in the first place ; That there was a glitch in the system. she agreed that they were removed and were place back, yet I have to call the creditors. I did not have written notice that they would reappear. This is a violation of the law in-spite of what caused it. My rights were violated.
Product: Mortgage

I suspect that XXXX XXXX XXXX may be involved with the VA in obtaining the names and addresses of veterans to solicate VA loans. Other than the military only the VA knows I am a veteran but per a letter I got from New Day last week they seem to know it as well. I have never had a VA loan.