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

I have filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXXXXXX XXXX XXXX These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late payments.
Product: Credit reporting or other personal consumer reports

These late payments don't reflect my normal payment behavior.
Product: Bank account or service

I have multiple accounts with USAA. ON XXXX/XXXX/17 USAA. On XX/XX/2017 I deposited a {$300.00} USPS Money order made out with me as the Payee into my Checking account. According to their Depository Agreement the funds should have been available with in 2 business days. USAA put a 7 business day hold on the funds. On the day before the funds would be released I had a balance of {$220.00} and an available balance of {$23.00}. At this time a {$30.00} ACH payment was presented. This would have caused a {$7.00} negative balance. My overdraft protection linked to my USAA Account Card was charged {$100.00}, but the {$100.00} was never deposited into the account, in direct violation of the depository agreement. At this time, I try to make a payment with my Checking Account Debit Card thinking the {$97.00} remaining from the overdraft transfer is in that account, but it is denied for insufficient funds. But, I ca n't use USAA Account Card because the {$100.00} overdraft transfer has been removed from it. The response from the CEO office 's representative was I ca n't help you, I 'll add it to the discussion list at our next meeting to see if something needs to be changed. Totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting

I was a victim of identity theft. Fortunately I caught it early and reported it. I had a fraud alert put on my credit report. The credit card company sent letters saying this was fraud and shut down the accounts. I filed a dispute with Equifax and the response i got back was the inquiries were " factual ''. Their dispute process is horrible, if its a dispute does anyone look at it? They just send you a form letter.
Product: Mortgage

The HELOC mortgage came mature and we applied for assistance to get help with the balance. We got approved back in XXXX of XXXX and PNC did not respond until XXXX of XXXX. Because of this interest was added and now the money that I was approved for they have but, are not posting it to my account. Due to them not cooperating the balance has exceeded the amount that was given for assistance and does not cover the whole balance due and owing. We simultaneously applied for hardship assistance per their request and was denied to " exceeding the maximum amount of hardship applications ''. They are with holding credits that I have been been making this entire process and not applying that to my balance as well.
Product: Credit reporting

The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against ( Transunion ) Credit Bureau
Product: Credit card

I have a Department Store Credit Card. 
The " due date '' on my card is the XXXX of the month. 
I missed my payment by 4 days and made an in-store payment ( more than the Minimum amount ) on XX/XX/XXXX, 4 days late. 
The statement closed on XX/XX/XXXX, 2 days later. 
On my statement, I was charge a {$25.00} late fee and a 0.12 " interest '' penalty on the late fee. 
I then proceeded to pay my Balance " in full '' and a portion of the Late Fee. 
But, I was still charged an interest on the Late Fee. 
I requested a courtesy Refund of the Late Fee plus interest. They agreed to it. 
However, why is there no regulation preventing a Bank from charging interest on a Fee " during '' the month that the Fee is incurred, before the consumer is even aware of it? When I asked the Credit Manager why do they do it? He just said, because there is no regulation that says they ca n't. That just does n't seem fair.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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: Checking or savings account

I signed up for a promotional offer with Santander Bank to get {$350.00} for opening a Simply Right Checking account. I qualified for all their requirements but they are staying that the {$350.00} was only for their Premier Plus Checking account and the Simply Right Checking account was only eligible for {$220.00}. The fine print indicated that the Premier Plus, Simply Right, and Basic Checking accounts were eligible. I have attached the flyer as a reference.
Product: Debt collection

I noticed credence resource is attempting to collect an alleged debt. I hereby dispute the validity of the alleged debt. I also request verification of the alleged debt, specifically a copy of the original purchase agreement. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt.
Product: Mortgage

This complaint is for XXXX XXXX being a slum lord, which has cost me nearly a million dollars on their behalf, to do repairs to a house they claim to own ( although I learned they actually illegally foreclosed on it. ) They have repeatedly tried to illegally evict me from this house, and for 4 years have ignored their management responsibilities as a landlord, have not honored my lease ( contract ), and have forced me a tenant to foot their nearly 7 figure repair bill.

The total due to me exceeds a million dollars, including amounts in a separate complaint for attorney fees & costs, for them trying to illegally evict my family repeatedly.

See attached for details.
Product: Debt collection

I recently submitted a complaint against national credit systems regarding a fraudulent account that was placed on my credit report. XXXX of my complaints with this company is still being reviewed. However, the second account that they are reporting has came back verified or with accurate information. This matter needs to be re-investigated as I explained in plenty of my dispute letters, as well as contacting the company about being an identity theft victim, which in this case my identity was compromised to obtain apartments at properties I never lived at with this complaint, I have submitted my identity theft report affidavit which is also notarized. I also have sent them another letter with the same information dating back XX/XX/2023, which the status on the tracking has yet to be received. 

To summarize my situation again I am a victim of identity theft, and these accounts listed with your company. National credit system is reporting in accurate information without a thorough investigation. I am requesting you re-investigate this matter with both of the accounts listed in your system.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for XXXX XXXX these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Bank of America took a payment out of my Checking account without my permission. I am behind in my bills due to hardship. I saw it after this was done by the bank. can they legally do this? The Federal XXXX XXXX XXXX XXXX Section 226.12 ( d ), bars financial institutions from applying the right to offset credit card debts. 
this was done to my personal and business checking account. the business account onXX/XX/2023 for {$780.00} for a business credit card with Bank of America. And my personal account on XX/XX/ for XXXX on a personal credit card from Bank of America. my accounts and credit cards are from Bank of America
Product: Debt collection

I pulled my credit report and was alerted that there was a new collection item on there. From Phoenix Financial services. I was never sent a letter to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX and natural person, was denied credit by AMEX when I applied for a credit card, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit.

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by AMEX due to the response I received. 
AMEX is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMEX 15 U.S.C 1602p. 
If AMEX fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make AMEX criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.
Product: Debt collection

claims such as '' we can not deny you based upon : ... ... .... ... XXXX or excersing you rights as a credit consumer '' ... ( forced to say these days, however ... ) yet doesnt abide by this. 

I excersise my right and they refuse to honor to correct my accounts or my files, cotinuously reselling my debt and refusing to service the account. in the past we were not obligated to reply to XXXX parties. refuses to service sold accounts. THEN refuses credit because of " past actions and money owed to us '' ... when applying. 

not only is this extortion- I want the ability to open a credit line because others have XXXX me. MY atty said NOT TO PAY. you cant penalize me for that when upright was on retainer. quite frankly ( XXXX doing this too ) you cant stop me. XXXX was attempted, therefore the debt is invalid in full for both accounts. must be purged and we can try again. failure to comply will result in immeadiate lawsuit. I have another atty Im willing to hire- claims wiling to assist me.
Product: Credit reporting or other personal consumer reports

I want these inquires removed off my reports because I don't have any accounts with them and I've never authorize them to run my credit. thank you.
Product: Checking or savings account

I had been a customer of BofA for over 30 years, but closed my account after moving to a XXXX town in Texas with no local BofA close by. I was told that my money could not be transferred to my local bank and that I would have to wait for a cashier check. I was told that my account was closed and when I went online to check I couldn't get into my account any longer so I accepted that it was closed. 
When I didn't receive my check, I called and was told that it takes two weeks to close an account. That seemed odd, and then I was told that it takes another 10 business days to mail the check. 
After a month, when I called again I was told that the account had never been closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEED that money now. They had no right to withhold it from me for that long. Now, I'm told that I will have to wait another 10 business days and with the holiday that's two weeks. I believe that the bank simply keeps your money as long as they can. Incompetent and criminal. 

Nothing can be done now, but someone needs to let these banks know that it is wrong to keep people from accessing their hard earned money when they need it to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates. 
15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX account, XXXX  account, XXXX XXXXXXXX XXXX XXXX  account, and all XXXX XXXX  and us department of education accounts , and XXXX XXXX accounts. These accounts are to be deleted immediately upon receiving this. I
Product: Credit reporting or other personal consumer reports

To see if the bank will continue to bury themselves in the process of procedures to show that consumer concern or Solutions any Solutions are not time to be meant this company is intentionally trying to hardship people its intentionally trying to predatory people it's intentionally double double dipping and getting money from paid off chargebacks and extortion fees has been extorting me for many years to the point it's been past Statue of limitationsTo the point it's been passed many disputes that in the disputes it was ruled to be deletedAnd other other credit report it has been deleted but just so happensThis bank will not delete itIn fact they have it past Statue limitations they haven't passed violations that have a past not only violations but criminal charges nowI am going to take this to aCidAnd personallyI amBeen under a lot of hardship under it because of itAdvances XXXX  andGo ahead and continue the same behavior because when it comes to court it's going to be very very easily spotted when I have a stack full of papers and your responses where all the same
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my XXXX XXXX and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Credit card or prepaid card

I opened an Amazon store card in XXXX that offered 0 % interest for XXXX  months. I purchased an item and immediately set up auto-payments. I recently learned that every subsequent item I purchased on the card ( within the 24 month window ; {$640.00} ) was not applied to the 0 % promotion because I didn't " check the box '' to apply it to the promotion. I didn't not know that all those charges would be charged interest ; this was not made clear to me during the purchasing process. Additionally, I found the Amazon store card would randomly pop up as the preferred form of payment during check out, without prompting, and thus additional charges were placed on the card when I expected them to go on another primary credit card. To date the total amount of purchases on the card total {$2800.00}, with payments totally approximately {$2600.00}, leaving a total of {$130.00} due ( minus expected interest after the 24 month initial period ). Despite this, my current balance due is over {$2100.00}. I find the terms and purchased processes of the Amazon store card to be deceptive to consumers and I fully dispute the total balance due. I have closed the card.
Product: Credit reporting or other personal consumer reports

Im information was involved in a data breach that goes back to XXXX  till now and all of the things on my credit report is fraud and under consumer law 605b this information is supposed to be removed from my credit report in 4 days
Product: Debt collection

I have no idea what this debt is nor have I ever heard from this company midland credit management they are reporting a XXXX open balance with my XXXX and maybe other credit agencies
Product: Credit reporting or other personal consumer reports

Capital One  has made multiple hard inquiries on my credit report that I did not authorize. Please have these derogatory marks removed from my report.
Product: Debt collection

I was reported to the Aldous & Associates for collection of a debt for 2 gym membership accounts. The name of the gym is XXXX XXXX. On XX/XX/20 I went into the gym and spoke with the General Manager named XXXX and satisfied BOTH accounts. I also rejoined the gym and got a new membership. XXXX stated he was going to email Aldous & Associates the same day to inform them the accounts were satisfied. The next day I called Aldous & Associates and spoke to a very rude man who stated he was not going to remove these accounts and he does not care what the General Manager at the gym says. He said he made his final stance and will not change his mind and the accounts will remain on my credit reports until I pay them ( Aldous ) the FULL balance and hung up the phone in my face. I then called XXXX at the gym to inform him what was said to me about the accounts. He was shocked to hear this information because he said this has never happened. 

I don't know what to do at this point because Aldous & Associates are VERY rude and really needs to be closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.