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

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX**** ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX**** XXXX  XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax CREDIT PLUS Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX   Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  XXXX Bank  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX  XXXX XXXX  AND XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

A previous claim was open in regards to a negative mark on my credit that i was supposed to be protected as I was represented by an attorney at the time of the bill, the credit company hit my credit monthly from XXXX until I filed my last CFPB complaint. They have been charging interest & re- charging this debt as new debt since the date it first hit my credit. I finally got confirmation they are removing it, however I am wondering why in my last complaint they stated they were going to speak with my attorney & according to my attorney never did, & it wasn't until I called today that they agreed to remove It. As a consumer protected under the FDCPA & FTC fair debt collection process this company has failed to respond to my several times of trying to resolve this, and was sent a letter of protection from the attorney, but was originally notified in 2020 I was protected by an attorney for this bill from the paralegal that first held my case. Why was interest charged and according to my credit report you can see how it was impoperly billed and not corrected.
Product: Mortgage

I applied for a home loan at Bank Of America in XXXX, NC on XXXX XXXX. 
I provided insurance information and agent contact information on the XXXX unit condominium complex on XXXX XXXX. Closing documents were sent to me on XXXX XXXX for a closing date of XXXX XXXX XXXX XXXX XXXX. I learned that BAC did not want a coinsurance clause in the policy. Evidence of adequate replacement insurance was provided to XXXX but I was told on XXXX XXXX that the loan was not approved. Even if the criteria was valid, it was unfair to continue the loan process for 1.5 months and finally cite criteria that could have been known at the start. In that time period rates climbed 1.25 percent and my interest charges are significantly higher with the loan I received at another bank at a XXXX XXXX closing.
Product: Debt collection

I have a balance owed with this company ( the Collections department. ) They repeatedly call with no one on the other line when I answer. They also call and do not leave messages, and then email me that they were unable to reach me by phone. I have emailed them to set up payment arrangements but told them in the email not to call me before XXXX because I am working during that time, and that email is the preferred method of contact to reach me. Even after that email sent XX/XX/2018, I have received two more calls since, where no one was on the other line when I picked up. This is very disruptive and harassing.
Product: Credit card

Amazon.com was offering a promotion for a free XXXX dollar gift card when signing up. I signed up for the card not planning to ever use the card and was greeted by a nasty credit score defect which was corrected by me and charges were successfully disputed. After this was completed the customer service rep said I would be all set and the account would be closed. Assuming this was the end of my relationship with this company and not having received any billing statements ( which is acknowledged at Chase as it is not my legal address or an address I recieved mail. This was corrected in their system on XXXX/XXXX/16 to my legal address at the time and during the dispute which I offered to send proof of residence. Chase is saying there are charges that are not paid on the account which Im willing to pay for however being unaware of these charges even exisiting and thinking this has been dealt with by Chase like was said on the phone I did not know there was a balance. I make more than enough money to pay the charges at the time and now however this is negatively effecting my credit score because they wont acknowledge this is their mistake.
Product: Credit card or prepaid card

The Capital one representative opened the dispute for the transaction I had never requested causing my air plan ticket cancellation, i had to pay triple price for the new ticket. I asked supervisor from dispute department to investigate the case and find out whos mistake was it. Ms XXXX # XXXX informed me that someone from record reviewing department confirmed that I personally requested. I told here that it is absolutely impossible and some one falsify the conversation transcript. I ask her to provide transcript to me for my investigation she refuse to do so. 
Unprofessional job of the dispute department personal caused my air plane ticket last minute cancellation, even more disturbing the fact that investigation was not completed properly and report on investigation was falsified.
Product: Credit card or prepaid card

Yesterday, XX/XX/2022, I received an email from Target, saying as of XX/XX/2022 I have a credit limit of {$3600.00}. I noticed that the email emphasized that my {$3600.00} cl was of XXXX. Meaning, I believe they gave me a cl increase but its not reflecting on my account. I called Target card guest services. They were no help. I called TD Bank and I got nowhere.
Product: Credit reporting or other personal consumer reports

To Whom It May concern, I got 2 hard inquires showing up on my credit report that I never gave anyone permission to run my credit profile on experian. The first is from XXXX made on XX/XX/2023 and the other was made by XXXX on XX/XX/2023. I never signed off anything with this company. This information is either inaccurate or fraud. As I never did anything on those dates with that company.
Product: Mortgage

To whom it may concern, I am writing this timeline to express concerns about an error that has occurred. I contacted my previous mortgage company XXXX XXXX XXXX XXXX XXXX or XXXX  ) and they claimed that everything was transferred over to Specialized Loan Servicing or SLS. 

I was informed that we were going to get a new mortgage company on XX/XX/2022 ( I attached the letter labeled Transfer mortgage ). I contacted both companies. My previous company sent over documents to prove we made the payments. They sent us something called Payment History ( attached below ) that states our previous payment and the next payment which will be on XX/XX/2022. 

So, the problem began when we transferred to a new mortgage company. We were shocked to find out that we were supposed to be with Specialized Loan Servicing since XX/XX/2022 but we werent informed of this until XXXX when we received the letter from our previous lender. We contacted their customer service through phone and they told us that we needed to make a payment, then we contacted them through email and they stated that we need to send a formal letter to Notice of error and request for information, which we did on XX/XX/2022. We received a correspondence that ultimately said the payment application described in your dispute was not in error dated XX/XX/2022. I have tried to resolve this issue with the mortgage company to no avail. 

Two concerns that need to be addressed by the mortgage company : -Why didnt our payment transfer over correctly? If so, then the first late fee shouldnt have ever occurred.

-Also, why did we get a second late fee charge?

Last thing to mention that I, the consumer, have a 15 day grace period before any late fee incur as per our contract ( attached below as " Loan Details- Specialized Loan Servicing, LLC '' ). Also, we have 60 days from the transfer from one mortgage company before any late fees should incur.

I created a visualization and timeline to help better understand our situation. I also attached statements from XXXX to the current statement. 


Thank you, XXXX XXXX and XXXX XXXX XXXX ( SLS account number : XXXX )
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue XXXX  action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion XXXX  breach, which raises concerns about the security of my personal data.
Product: Vehicle loan or lease

Toyota Financial Services is Charging an excessive wear fee even though they had completed an inspection prior to lease return. The inspection report didnt include any Items that needed attention. Subsequently, the vehicle was returned. After having possession of the vehicle for more than 3 weeks they are claiming an excessive ware fee. This is a frivolous fee. I have attempted to come to a resolution on this with Toyota FS on 3 different occasions. However, they are not willing to work on this issue.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are 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
Product: Credit reporting or other personal consumer reports

All my personal information was compromised due to Equifax data breach XXXX  my bank information, debit cards, credit cards my dependents XXXX school information, unauthorized telemarketers and unknown credit checks etc. XXXX reports my personal information was found on XXXX web more than XXXX times. I had to put freeze on all accounts with all three credit bureau and made numerous disputes. But my credit reports continue to have inaccurate information
Product: Credit reporting

Transunion had an error in their system, many inquiries were deleted and a week later it was re inserted, but a legal procedure was not followed. I spoke to customer service, they were very rude saying i was not affected by it. However, I was it was an error in their end. I did not receive any notification regarding this inquiries and that they will be added back to my report. Please help
Product: Debt collection

The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Last XXXX, Chase closed my account for no reason. It was opened in XXXX since I found a new job. I used this card mostly for direct deposit of my salary. Now, it has been 5 months since they closed my account and I lost all balance in it and lost support of money. I'm such a poor student and I just want t o get my money back but chase always give some perfunctory responses and did not give my money back. They have held my money for half a year. The amount is small, only {$3000.00}, but it is my support of life. Hope you can help me to get my money back. Chase is so unreasonable!! Don't trust them!
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.
Product: Debt collection

Old Debt they re opened. This account has been closed for over XXXX years.
Product: Payday loan, title loan, or personal loan

I have been with Mariner finance for many years. Have had many loans and the current one i have. I have had nothing but problems. I put my collateral up got the money. And made payment on time every month!. Then a deer ran out and i totalled the collateral. No problem i have insurance. Hey i even have gap insurance which i paid for.This happened on XX/XX/2018. XXXX got a pay off amount of around {$2600.00}. What was left of my loan. After all was said and done XXXX offered almost {$2500.00} for the car. Yeah me! Not. So i contacted Mariner and informed then the payment XXXX was offering about the value of the loan. Iasked if i could use my gap to cover the rest. I was informed that he would look into it and get back with me. No one called me back so a few days later i called again to check the status on the gap coverage. I was told i was not aloud to use my gap coverage because it was less then the {$500.00} value. Really? So ok my thought was its around {$100.00} i will still owe. Less then my normal payment. So i waited. XXXX reached out 3 times. I called Mariner finance of XXXX every few weeks got a diffrent story each time.. XX/XX/XXXX or XX/XX/XXXX time i talked to mariner they advised me they still havent recieved a check this was XX/XX/XXXX. So i call the salvage department with XXXX. They had me on hold as they once again contacted Mariner Finance of XXXX Md to fond out when they would recieve the letter of guarantee. This is a standard practice between every finance and insurance company. XXXX informed me that they once again faxed the letter and stayed on the phone with XXXX. They didnt recieve it. So she preceded to email and waited untill he recieved it. XXXX did return my call after he finished his call with XXXX. We had a heated comversation of the inability of them doing there job properly. And i asked to speak with a manager and was denied. Ok. He called me back the following day to inform me the letter of guarantee was being summited back to XXXX.. i paid me XX/XX/XXXX payment of {$170.00} on XXXX XXXX. I didnt know what was going to be ledt on the loan since every time i called the number changed. They refused to tell me what the $ amount would be untill they recieved the check from XXXX. Ok on XXXX XXXX they recieved the check. XXXX then contacted me to inform me i have a balance of almost {$80.00} for added interests on my acount to pay it off. ..what? If i did the math correct and my pay off was {$2600.00}, XXXX paid u just about {$2500.00} plus i just paid you {$170.00}. How to i have more intrest to pay. When i have gap insurance and should never have had to come up with {$170.00} in the first place!. 
This is why i paid for gap and i cant even get my money returned on a insurance policy they provided to me at a cost in the event of this exact thing happening. Heart broken.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion fails to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity TransUnion is showing XXXX XX/XX/XXXX XXXX, XXXX is showing XXXX XX/XX/XXXX XXXX, and XXXX  is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 creditor.
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. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card

Identified companies, Equifax, XXXX, XXXX, XXXX, et al, affiliates have stolen and possessed my personal credit card information ( social security information ) 15 usc 1602 ; 15 usc 1692c. Companies have shared my stolen credit card information with affiliates, absent my knowledge, permission and/or consent. I have submitted opt out contract letters to resolve, demanded specific verifications, and demanded four day block per 15 usc 1681c-2. Companies have failed and/or refused to comply and continue to violate federal laws and directives.