23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX & XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized and wrong inquiries on my credit report with TransUnion.
Product: Credit reporting or other personal consumer reports

These are the accounts I marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ive had a JetBlue Barclays credit card since XX/XX/XXXX. My account has always been on minimum automatic payments so I never miss a payment. Contingent on my spending for that month, Ill go in and submit additional payments to keep my monthly statement interest down. In XX/XX/XXXX, unbeknownst to me my account autopay was changed from minimum amount to statement balance. In the month of XXXX, a statement balance of XXXX was attempted to be pulled from my account on the normal payment date of XX/XX/XXXX. The payment did not process and the payment was resubmitted again exactly one week later on XX/XX/XXXX. Apparently, the funds had went through at that time- but the statement balance somehow changed - so they pulled the {$1300.00} unnecessarily and it all had to be returned to my account. When they returned the money to my account, I was charged a repayment fee of {$40.00}. This happened for multiple months on my account spanning from XXXX XXXX-current date XX/XX/XXXX. What I find particularly interesting is how JetBlue was in jeopardy of bankruptcy in XX/XX/XXXX and the merger between them and XXXX XXXX fell through. Now all of a sudden at that exact time, my account is changed from minimum amount to full statement balance. The issue is, no correspondence was ever sent to my email or my account detailing this change. So not only did JetBlue Barclays have double my money in circulation for quite some months, they also had the audacity to charge me penalty fees for their incompetence and complete negligence. JetBlue Barclays refuses to refund the repayment fees, they have refused to provide a detailed explanation as to why my account repayment amount was changed and even went so far as to say that its my error since I didnt have the funds in my account.
Product: Credit reporting or other personal consumer reports

Disputed XXXX accounts on my credit report on XX/XX/2023 and did not receive information regarding the investigation the accounts were marked as verified and updated on XX/XX/2023 with no validations or accuracy to these accounts.
Product: Checking or savings account

My business partner and I have had a business checking account with Axos Bank since late XXXX. I work overseas and have had repeated problems with Axos locking me and my business partner from our account after I attempt to log in from non-US locations. I have communicated with Axos business banking " support '' personnel approximately once per quarter for the last three years, explaining each time that I am logging in from overseas and using a VPN that typically connects to one of several XXXX countries. Each time the " support '' personnel tell me that this information will be documented so the lock-outs don't happen again, and each time the lock-outs continue to happen. This occurred most recently on Wednesday, XXXX XX/XX/XXXX. After an hour on the phone with " support, '' I was told I needed to contact business banking " support. '' Another 1.5 hours were spent with business banking " support '' on XXXX XX/XX/XXXX, at the conclusion of which nothing had been resolved and we were told we would receive a call with further information. No call was received. No emails were sent. 60 hours later we are still locked out of our business checking account, and Axos has provided neither information nor remedy, nor have they provided any contact information for further resolution. This should be a simple problem to fix, and yet Axos has not only been unable to fix it, they have blamed third-party security providers for the problem. The length of time that it takes to resolve simple log-in issues is unacceptable and directly impacts our business productivity. A basic tenet of banking rules is that customers can access the funds which they trust the bank to hold for them. Axos has removed our access to our our own funds, impacting our ability to conduct business and to prepare taxes within a timely fashion and effectively stealing approximately {$12000.00} from this customer 's business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Truth in Lending Act purpose is to inform consumer about the cost of credit and protects consumers against abuse and deceit by creditors and I have been abused and deceived. I have sent correspondence notifying Monterey Financial Services of their violations and nothing has been done. I also have attached an Affidavit of Truth that I sent to Monterey Financial Services about the violations with a confirmation # XXXX 

MONTEREY COLLECTION SV Acct # XXXX Monterey Financial Services has been in several violations USC code causing harm to me personally, mentally, and financially do to these violations. 

I have proof in attachment label as exhibit A, B, C, D that Monterey Financial Services is in violation of 15 USC 1692 ( B ) ( 2 ). any debt collector communicating with any person other than the consumer for the purpose of the acquiring location information about the consumer shall not state that such consumer owes any debt.

I have proof in attachment labeled as exhibit A, B, C that Monterey Financial Services is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

I have proof in attachment label as exhibit A, B, D, E that Monterey Financial Services is in violation of 15USC 1692 ( B ) ( 5 ). not use any language or symbol on any envelope or in the contents of any communication affected by the males or telegram the indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt. 

I have proof and attachment labeled as exhibit A, B, C that the Monterey Financial Services is in violation of 15 USC 1692 ( D ) ( 2 ). they use obscene or profane language or language then the natural conquered consequence of which is to abuse the hearer or reader.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

****also see attachments as well**** I'm writing because all account numbers are reporting inaccurate on my reports. 

Im notifying you that the following account ( s ) is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character ( defamation ). 

There's inaccuracies on my consumer report. All the account number are different and the law states the agencies shall follow maximum possible accuracies. ( SEE BELOW ) 15 U.S. Code 1681e ( B ) - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX DELETE THE ACCOUNTS BELOW ( proof attached ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account XXXX - Date : XX/XX/2020 XXXX XXXX / XXXX : Account XXXX - Date : XX/XX/2020 EXPERIAN XXXXXXXX XXXX XXXXXXXX - Account XXXX - Date : XX/XX/2020 XXXXXXXX XXXX / XXXX : Account XXXX - Date : XX/XX/2020 XXXX - ( ATTACHED ) they are reporting with inaccurate account numbers which is a violation under 15 USC 1681E ( B ) so they need to delete these account like XXXX did .
Product: Credit reporting or other personal consumer reports

So I sent my letter to Experian on XX/XX/2023. Here is my tracking XXXX ( XXXX ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

Please remove address : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Bank of America, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part. 

I extended my credit with Bank of America in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that Bank of America has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books. 

It is unacceptable for Bank of America to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, Bank of America failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341.

I demand that Bank of America rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing. 

Done in good faith.
Product: Mortgage

Closed on a mortgage with XXXX XXXX and the servicing was immediately sold to Dovenmuehle Mortgage in XX/XX/XXXX. We received 1 mortgage statement on this loan and have yet to receive another one. We started calling Dovenmuehle in XX/XX/XXXX to see what was happening and were assured that statements had gone out but we never received them. Called again in XXXX and was told the same thing. We went online at the end of XXXX and requested to receive e-statements since we were not receiving them via USPS. Once the e-statement was published, we realized that Dovenmuehle Mortgage had changed the zip code in our address by one digit and that was causing the mailing address to be in a different town and a different state! We attempted to call Dovenmuehle to have this corrected and we were instructed to send an email. After a couple of weeks, we received a response saying that an email was unacceptable and they needed a signed letter. We responded and asked them to please review the documents that we signed at closing - our property address and mailing address were and always have been the same. We received a message on line after 2 weeks saying that the address was corrected but the message was addressed to someone else, not our names. To date, we have yet to receive one piece of mail from Dovenmuehle Mortgage. We logged into our online account with Dovenmuehle today and discovered that they had put lender  hazard insurance in the amount of {$7900.00} on the account!!! We do not have an escrow account with this loan and we do have hazard insurance in place. Apparently, they sent a notice to the incorrect mailing address that we have been attempting to correct for proof that the hazard insurance had been renewed in XXXX and when they did not receive a response, they forced a policy on the property. We spent quite a bit of time on the phone trying to even figure this out. Considering that we have been calling Dovenmuehle and emailing and sending messages through the website, the customer service level has been absolutely awful!! Our insurance agent is contacting Dovenmuehle to get them the insurance policy but the way we have been treated by Dovenmuehle is abominable and the incompetence that seems to run rampant throughout their organization is frightening. We do n't know who to turn to for assistance since we can not seem to get any answers from Dovenmuehle Mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Credit Report on XX/XX/2024 and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have asked for your help inregards to the late payment on the following accounts. Please help me to update this as soon as possibl without any late payment remarks.
Product: Debt collection

The company called me once, left a voice message, and then called immediately after. It's illegal to contact someone again after leaving a voicemail. Leaving a detailed voicemail is considered one contact and you're only allowed one contact per day. They aren't even calling me for my debt, it's someone else 's and I'm being harrassed. He said his name was XXXX XXXX on the call ( same name left on voicemail left almost immediately before the second call ) from Alliant Capital Management. They also called my husband. This is an abusive tactic and I expect them to make it right. My father in law 's name is XXXX XXXX.
Product: Credit card

On XX/XX/XXXX, XXXX unknown transactions were made on the XXXX XXXX 's app using my Apple Card that was linked to the account on the app. I'm assuming my account on the XXXX XXXX 's app was compromised that morning. XXXX of the transactions was cleared ( {$XXXX} ) by Goldman Sachs themselves but I am having trouble clearing up the other transaction, which was {$XXXX}. It's been XXXX years and I've been constantly disputing the {$XXXX} charge to Goldman Sachs but it always favors the merchant at the end of each reasserted dispute. I did not make these transactions as they were in a different city from where I live. I want to add that these transactions were large sums of food, which is not a normal purchase for me, especially at a fast food restaurant. As of XX/XX/XXXX, Goldman Sachs has stopped providing me provisional credit, which is a temporary credit issued to an XXXX XXXX while a dispute transaction is being investigated. I am practically being forced to pay this charge as it is being included in my monthly bill.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED VIOLATIONS UNDER THE 15 US CODE 1681 AND 15 US CODE 1681B ( FCRA ) the following accounts don't belong to me please investigate these accounts 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 XXXXXXXX THE LAW CLEARLY STATES THE FOLLOWING 15 USC 1681B ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer who relates meaning that if you do not have or have gotten any written instructions this information should not be furnished secondly according to USC 1681 the law clearly states 1 accuracy and fairness credit reporting 2 reasonable producers
Product: Vehicle loan or lease

On XX/XX/2021, XXXX mailed a refund of {$730.00} to PNC Bank at XXXX XXXX XXXX in XXXX, PA, for my auto loan. The check was received on XX/XX/2021, and clearly indicated that the check was for the auto loan in my wife 's name ( XXXX XXXX ). However, PNC return the check on XX/XX/XXXX because they were " unable to locate '' the loan. XXXX is now re-mailing the check to XXXX XXXX XXXX in XXXX, PA, with the account number included on the check. However, my wife 's name should have been plenty enough to locate the loan, so I demand the payment be retroactively applied to XX/XX/XXXX with respect to interest on the loan.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate information on my credit report, specifically incorrect addresses and variations of my details that are inaccurate. The addresses in question are XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; and XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Additionally, I request the removal of incorrect variations of my name. My accurate name is XXXX XXXX XXXX, and I ask that the following variations be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX You may refer to my supporting documents for verification. I am currently self-employed, and any other incorrect variations of my employment status should also be removed. Please ensure that only verified and accurate information appears in my personal information. I request written confirmation of these corrections along with an updated copy of my credit report. Kindly address these inaccuracies promptly.