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

On XX/XX/XXXX Bank of America closed my credit card accounts, despite the fact that they were all current. Next the bank informed me when I called about the card accounts that in fact ALL MY ACCOUNTS, including a business account and my adult daughters account were being closed. When asked about the reason, the bank provided the statement 'For business reasons ' we no longer want you as a customer. 

That fact that no reason was provided and the fact that I was not provided with sufficient notice of such account closure violates my rights. 

I have been a customer of Bank of America since XXXX, which makes this action even more suspicious and arbitrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing and continued fraud being carries out by XXXX, XXXX  and Convergence. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and XXXX  has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my XXXX  credit resulted in a report from XXXX  on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.
Product: Mortgage

FAXED IN MODIFICATIONS ON 1ST AND 2ND SAME TIME!!!!!!!!!! 2ND APPROVED NEVER ANYTHING ON 1ST WAS SENT AND SPS LOST A PAYMENT ON THE 1ST. AND HOMEOWNERS INSURANCE THEY DIDNT PAY, ILLEGAL TO FORCE PLACE INSURANCE.
Product: Credit reporting or other personal consumer reports

TODAY, I NOTIFIED CLARITY SERVICES, A CREDIT REPORTING COMPANY I WAS NOT AWARE OF PRIOR TODAY, THAT ALL THE INQUIRIES MADE WERE NOT AUTHORIZED. MY PERSONAL INFORMATION WAS COMPROMISED THROUGH XXXX, XXXX, XXXX AND DARK WEB BREACHES.
Product: Credit card

I spoke to multiple representatives who stated that although I was behind in payments that my account would not be closed because I am apart of a payment plan. I was tricked and mislead by XXXX whom of which I spoke to in XXXX and XXXX XXXX who I spoke to in XXXX. I was not clear on the terms of my contact and wanted verification on reasons for closure and the renewal/FICO score discrepancy was not stated. They only mentioned that if I missed a certain amount of payments it could close but since I satisfied the payment arrangement I was okay. I spoke with XXXX today and let her know how I was mislead and she tried to justify why I was not told the full information but this is unacceptable as a credit card company. I was ambiguous to the terms and why my account would close, I was reassured it would not close and now I see I have been lied to. I was told after the 3 payments of {$110.00} my account would have spending privileges again.
Product: Mortgage

I wrote M & T Bank this letter on XXXX XXXX, XXXX and mailed it the same day. As of today, XXXX/XXXX/XXXX there is no response. 

This letter is in regards to the Mortgage Insurance on my loan. This loan was originally done in XXXX by XXXX Bank. It was sold to M & T Bank within the past year or XXXX. When I originally got the loan, I was told the PMI would go away after 5 years OR after reaching 80 % LTV on the home. 

As of today, the home value has increased enough to be at 80 % LTV and the 5 year mark will be this XXXX XXXX. I did a XXXX Refinance to lower the rate, which I was also told would not affect the timeframe. I was also told if I wanted to get rid of the PMI sooner, I could have an appraisal done proving the equity was there. 

I just got off the phone with a representative today ( XXXX/XXXX/XXXX ) who told me I would not be able to get rid of PMI until XXXX. According to this representative the guidelines are different. She mentioned I have to be at 78 % LTV AND 5 years with the property. According to your system the 5 years started after the XXXX ( I was told it would not make a difference due to the type of loan ) The balance on the mortgage has to be at 78 % LTV from the purchase price, around {$120000.00}. 
In this case, there is enough equity in the home to meet the 78 % and this XXXX will be 5 years. The PMI should go away in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my attached records, on XX/XX/2018, XXXX XXXX  XXXX XXXX placed an inquiry on my XXXX  Credit Report. Then on XX/XX/2018, XXXX XXXX  XXXX, filed a lawsuit on behalf of US Bank, as a debt collector, in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted TransUnion more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarize letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed a letter with the name XXXX XXXX XXXX, which is not my name my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This making me give further verification to whom I apply with for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and need to be deleted : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX employment that needs to be delete XXXX, XXXX  Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Medical Compliance 's Officer They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # :XXXX**** Account # :XXXX**** They have yet to proved me with proof of an investigation and any reporting documents that this is my debt and reporting accurately
Product: Debt collection

Diversified Consultants , Inc have consistently harassed me to succumb to paying a debt that I do not owe nor have any responsibilities to. They persistently report on my credit profile an account which other credit collection agencies in the past deemed erroneous and a mistake and have appropriately deleted and corrected with the XXXX major credit bureaus in my favour. 

This aggressive collection account which has been placed on my credit profile is hindering and encumbering my ability to secure any measurable employment. 

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

I have been disputing 6 charge offs listed on my consumer report for months with no success from the companies or the three consumer reporting agencies. The status of these accounts are inaccurate and continue to harm my character, reputation and ability to obtain credit for personal and household purposes. My consumer rights have been violated and I demand that these accounts be deleted, and I am seeking {$1000.00} per violation.

Per IRS publication, a charge off is a cancelled debt and the consumer is required to report the charge off amount as gross income regardless of if they receive a 1099A from the lender. I amended my 2021 tax return and reported all charge offs as gross income. I now owe the IRS. These accounts listed on my consumer report as charge offs are now incorrect and inaccurate. I have sent letters to all three consumer reporting agencies, and they continue to come back verified which brings me to the question, what is the investigation process? How are these accounts coming back verified if I am the only one that can verify anything on my consumer report? I never gave any written consent for any of these accounts to be on my consumer report, so they are being illegally reported. I have been denied credit due to these negative accounts being listed on my consumer report, which has caused me and my family grave harm. In my current position, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has put me under extreme stress and could have easily been avoided if the consumer reporting agencies did their due diligence. My next step will be Federal Litigation if this is not remedied asap. I have identified below which of my consumer rights have been violated.

1. 1681e ( b ) Compliance procedures 2. 1681b. Permissible purposes of consumer reports 3. 1681c. ( 5 ) Requirements relating to information contained in consumer reports 4. 1681i. ( 7 ) Procedure in case of disputed accuracy 5. 1681n. Civil liability for willful noncompliance 6. 1681a. ( 2 ) Definitions ; rules of construction
Product: Mortgage

I recently closed a HELOC because I sold the secured property. Since the loan was less than three years old I had to pay XXXX and XXXX recording taxes. However, I was also charged the lender 's portion of this tax mounting to 0.25 % ( XXXX basis points ) of the loan principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights. 

15 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 open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a member of SAMS CLUBXXXXSynchrony Bank  for years, think the most I have ever owed was last fall 2022 of was {$270.00}. Paid that off.. After that maybe {$100.00}. 

I was in the store the other day and tried using {$37.00}, It was denied. After calling the bank they said my credit was lowered. I pay with my XXXX  XXXX  XXXX, After my personal investigation SAMS CLUB/Synchrony Bank  XXXXs claiming my XXXXXXXX sore XXXX XXXX -ish. Im on XXXX XXXX now and it was just updated to XXXX XXXX. 

I can not get a live person, I can not get a person who speaks decent English, I can not solve this. 

This is false information and out of the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transuion is reporting inquiries XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX that are not an obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has access to my credit report and I don't know who they are but they are trying to keep me from getting credit, I have been fighting this for years now and I am tired, my score keep changing, if thou someone is watching my credit on purpose to drop my score it has gone down in just XXXX days all three credit bureau, what can I do about this, if they have access to my computer, are my XXXX number what please someone help me I can not move forward of this I can not get a place to live, its not fair. Who is trying to hold me down, and for what?
Product: Credit reporting or other personal consumer reports

I have been a cosigner on XXXX student loans serviced by XXXX since XXXX. Unfortunately, these accounts were reported as derogatory from XXXX until XX/XX/XXXX, when they were updated and paid in full. According to the Fair Credit Reporting Act, derogatory accounts can only be reported on my credit file for a maximum of XXXX years, and bankruptcy for 10 years. 

However, XXXX has continued to report these accounts on my credit bureau file as positive, but with late payments shown for the years when they were reported negatively. This has had a serious impact on my credit file, and even though the accounts are now reported as paid in full, they still have a negative impact. 

I am requesting that these XXXX accounts be completely deleted from my credit file. Consumer law does not allow them to continue reporting these accounts positively for another 10 years, especially since they have already been reported negatively for over XXXX years. 
The said accounts are reporting as {$12000.00} and {$57000.00} with account endind as XXXX and XXXX respectively
Product: Credit reporting, credit repair services, or other personal consumer reports

I simply can't access XXXX or XXXX. I was able to get one from Equifax last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with XXXX so she called me and said my maiden name was listed instead of my married name. ( I have a SSAN card with official married name since XXXX 2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> to XX/XX/year> i have sent certified mail to XXXX : disputing an Account on my Credit Report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who's phone number is : XXXX, that says on my credit report the Account has been charged off with the following account number : XXXX XXXX, which doesn't have an account closed date, Experian has XXXX XXXX XXXX XXXX with no address and no number on the report it also says the Account has been Charged off and closed on XX/XX/year>, Account number : XXXX xxxxxxxxxxx, And Finally on the XXXX XXXX Credit Report the Account status is : Unknown with a closed date of XX/XX/year> with no address and no number on file, Account number : XXXX xxxxxxxxx, this Company has not Shown proof this account belongs to me and has not furnished a Contract for over 1 year. I demand these accounts be removed immediately from the report i also have filed an ( FTC Report Number XXXX ) about this issue FTC Report Number XXXX Also on the XXXX XXXX Report : XXXX XXXX XXXX Account Status Unknown Account number : XXXX with no known address and no phone number and XXXXXXXX XXXX Account Status Unknown, Account Number : XXXX with no known Address and no phone number. 

FTC Report Number XXXX, I Demand All Credit Bureaus Remove these accounts from my Credit report immediately. according to the FCRA Act : Fair Credit Reporting Act Section : 605 B Fair Credit Reporting Act Section 609 E Fair Credit Reporting Act Section 611 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2015 Amount : {$1600.00}
Product: Checking or savings account

I notified Wells Fargo of unauthorized charges in the amount of {$330.00} They told me that my card was used! I ask for proof from Wells Fargo that my card was used on XX/XX/2023 and still have not received any proof of my card being used! Because I still have my card in my possession! These charges were in another state I was nowhere near that area! Ive never given anyone my card pin! Im on a fixed income I need this money! I didnt do these charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX k }
Product: Debt collection

I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again. 
BSI FINANCIAL SERVICES XXXX 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 me or a XXXX  XXXX XXXX customer service representative. 
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  A debt was settled with Navy FCU. I no longer have business with them, but the account was not removed from my credit report. I have requested that it be removed, and have a tracking number to prove they were contacted : Tracking Number : XXXX FRCA CONSUMER LAW 15 USC 1681 SECT 602 H states I have the right to privacy. 
15 USC 1681 SEC 604 A SECT. 2 states A consumer reporting agency can not furnish an account without my written instructions. 
604 SECT 2 In general, subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates. 

Those laws were violated, and I would like the account removed from my credit report immediately. I am in the process of purchasing a new home, and this violation of my rights prohibits my ability to do so.
Product: Credit reporting or other personal consumer reports

On XXXX I wrote to XXXX XXXX XXXX and I told them I wanted to opt out and to remove any authorization I gave them, but I got no response to my request.
Product: Student loan

Navient really needs to be looked into. I was with XXXX until XXXX sold the loans to Navient. Never did XXXX charge me any late fees for being less than a month late. Plus, the amount Navient charges is exorbitant. Navient is a predatory lender. I would have never taken out any student loans, if I had known I would have to deal with such a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX  is not reporting this account, Equifax is not reporting this account, XXXX  XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XX/XX/XXXXis not reporting this account, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file,XX/XX/XXXX Account Number XXXX XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXX is not reporting this account, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, XX/XX/XXXXis not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, XX/XX/XXXXand Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, XX/XX/XXXXand Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.