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

On XXXX, we applied for a personal auto loan through Bank of America and were approved immediately online. We applied on our own, **NOT** through any dealership. On XX/XX/XXXX, we purchased a vehicle from XXXX XXXX XXXX in XXXX, Oregon. The salesperson, XXXX XXXX, insisted on us giving her our employment information, address verification, social security number, etc. I verified and asked **SEVERAL** times during the call, that she would **NOT** be using this information to pull our credit since we already had a loan. She assured us they would not be pulling our credit. 

Low and behold, on XX/XX/XXXX, they submitted our information to Bank of America AGAIN,  despite the fact that we already had financing through them, despite the fact that we were assured they would not be pulling our credit, and despite the fact that they did **NOT** have our authorization or signature to do such a thing. 

Since we check our XXXX report often, we were shocked to see a second hard inquiry on both of our credit reports. I immediately called both Bank of America and the dealership, who each admitted it was a mistake but said there was nothing they could do about it. The bank told me I had to fax in a letter requesting the unauthorized hard inquiry be removed from our credit. I faxed a letter to Bank of America on XX/XX/XXXX. I received a letter in the mail today stating that " all of the information that is being reported is accurate '' and they will " not be removing the inquiry from our credit. '' This makes no sense as we did not even authorize the inquiry. 

I would like to file a complaint against XXXX XXXX XXXX for applying for credit at Bank of America on our behalf without our authorization or signature. The hard inquiry will remain on our reports for TWO YEARS. Absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX Vi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, And XXXX XXXX XXXX has violated my rights. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.
Product: Credit card or prepaid card

I submitted a payoff of {$XXXX} to my PayPal credit Card Somehow it was sent to a closed PayPal account. They cashed it on XXXX, and for 3 months I have had to fax front and back of Cashiers check proving that they cashed it. They continued to deny it. Finally an account manager named XXXX ( Wo n't give me last name ) admitted they have had it for over 2 months and should have sent it back since the Synchrony bank account was closed. I waited XXXX weeks and followed up. After going through an hour long discussion the 2nd rep named XXXXy ( female would n't give me her last name or Email address ) stated that yes it was cashed on XXXX and the previous account manager had not processed the refund back to me. The phone number that I had called was XXXX. I called tonight and I 'm back to square one with an assurance that although they other reps have failed to process it properly that she would get it done. I need your help folks please this is so frustrating that they can get away with this. I beg you for some help!
Product: Debt collection

I had my identity stole and I two credit/ loans taken out under my social have police report and would like for these items to be deleted and removed
Product: Debt collection

The company Orion has called me repeatedly. They wanted me to verify my social security number. I refused. As I tried to explain to " XXXX '' that I wasn't comfortable with that as my identity was stolen he refused to listen said he would just " assume '' that it was my debt and they would proceed to sue me.
Product: Bank account or service

I had a credit card and check in account through Wells Fargo. I closed my check in account and credit card. I have called them at least XXXX times every time they leave something out. Today I logged in and I found out that they have added another {$50.00}. I had to call them and found out that was a " reward account ' which was not closed properly. Wells Fargo is a corrupt bank. Should be investigated.
Product: Credit card

I reached out to Synchrony Bank regarding a XXXX XXXX store credit transaction after getting hit with a very large, and unexpected interest bill. I was told that my promotional rate had ended, therefore I was being charged back interest all the way to the account opening. This account opened with a balance of {$2500.00} in XX/XX/XXXX, and the promotional period ended in XXXX XXXX, when my balance at that time was only {$990.00}. When I learned of this crazy interest bill, I immediately took action and offered to pay Synchrony the full {$990.00} at that moment, to which they declined. I then asked an Attorney to submit them a letter in hopes that would help, but it did not. 

They are now trying to collect {$1500.00} in back interest and my statement is showing a balance of {$2500.00}, which is almost the exact same amount as when it started in XXXX XXXX. Do I have any rights or any way to dispute this? I've tried everything I know and I don't want to ruin my credit. I'm happy to pay for my purchase, but these interest rates are extremely excessive and in my opinion should even been illegal. 

I am asking for any guidance that you can offer, and I will gladly send over all documentation that I have received so far, if needed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple problems with the following accounts that are included with my dispute. 
I'm attaching my letters with my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX  XXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/201XXXX XXXX
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Mortgage

My mortgage servicer, Arvest Central Mortgage, has charged me a {$10.00} fee for " a fax for a payoff quote '', which I never agreed to. The fee is set arbitrarily and since my mortgage was bought my XXXX XXXX, I never agreed with Arvest Central Mortgage on these fees. What is more concerning, is this " fee '' never appears on my account history or is disclosed anywhere. I feel that this sort of behavior is highly predatory, as Arvest Central Mortgage could pick whatever fee they want and then not disclose it to anyone. What is stopping them for making it {$1000.00} dollars instead of {$10.00}? Why is it not appearing on my account history. I talked to them and told them I am would like the fee waved, but they refused, telling me to call my title company.
Product: Debt collection

First they called me and left an unintelligible message. The next day they called my XXXX mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations XXXX XXXX '' who belittled, insulted, and implied they would sue me, trying to extort at least {$200.00} before I finally hung up.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint against EQUIFAX credit company for mishandling mine and my childrens social security and birth certificates claiming they still need more documentation from me to help me set security freezes on my childrens socials and credits I have sent these sensitive documents multiple times by certified mail and I have documents showing they have received my mail and documents and they keep denying my request even after every single document they requested was sent and received. I have sent everything possible I could ever send and they STILL have not helped me and ask for more documents they keep mishandling my documents and this is an urgent matter with our information. I have sent IDS, birth certificates, social card copies, proof of address and more! They need to be addressed. I sent this information three times. There response is always the same and it makes no sense to me and they are not helping me
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX OF XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have been having issues with my Bank of America " Customized Cash Rewards Visa Platinum Plus '' for over a year now. Back in XXXX of 2021, I had called in for technical support, because for some reason, when my account was converted, somehow, my autopay option for minimum payment went away. So after speaking with two ladies in XXXX, they were still unable to help me get it figured out. After much frustration, they told me they were able to " reset '' my account so I could set up autopay with minimum payments. Nope. They finally did something in the background to where my payments would be made. I just realized that I've been getting " late '' fees since XXXX of 2021. Sometimes, the late fee is {$10.00}, sometimes it's {$3.00}, other times, it's {$39.00}. My autopay payments have been coming out and being credited to Bank of America the day it's due! 

I've tried to call in for support, but every time I get someone, the connection is so poor that I can only hear 50 % of what they're saying. This has only added to my frustration, and they always accuse me of yelling, even though I am extremely patient and calm. I encourage someone to pull the calls, because I have been hung up on, and frankly, been disrespected multiple times. I was finally able to get a hold of a supervisor, XXXX, who was able to confirm that instead of making minimum payments. It had only been set up for a fixed dollar amount. She was also able to reverse all my fees from XXXX through now. XXXX was extremely professional, clearly explaining what she was seeing on her end, and offered to help in other areas as well. However, unfortunately, the issues I'm experiencing seem to be outside of her control.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE US BRC OF NORTH GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE HOME WAS NOT ABANDONED BY T XXXX  XXXX TRUSTEE, DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS ALSO. 

THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. 

THERE IS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY! 


YOU FILED A CLAIM IN BRC FOR XXXX
Product: Checking or savings account

Chime bank continues to deny fraud claims from two separate charges to person who stole my money and personal items during burglary, 2 police reports have been provided with all information regarding the theft and it is still being denied
Product: Mortgage

I sold my house in XXXX, both loans were paid recorders office and title office both show all loans paid and no leans on the sold property. 
My daughter and I bought a house in XXXX the one bank that the sold house had said that they did not receive any payment and had a lean on the old sold property. They told the realtor that they would over look the lean but I would have to pay the loan back that I had paid before. 
I 'm still paying the loan that I paid off in XXXX, the bank told me if I did not pay they would come after me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX  about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Upon an agreement to purchase a Mule ( equine animal ) Zelle was used through my XXXX XXXX XXXX XXXX mobile banking app to send XXXX XXXX then a request was made and another XXXX $ was put through ( listed below with all information ). Contacted originally on XXXX, and used XXXX XXXX to communicate with a XXXX XXXX. 


Payment details of XXXX $ transaction- To : XXXX XXXX From : My account Sent : Wednesday, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX Payment details of XXXX $ transaction- To : XXXX ( XXXX XXXX ) From : My account Sent : XXXX, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times with Comentity Capital XXXX XXXX The card was take out in my name Fraudulently. I have expressed to them Several times as well as sent two different police reports. I have disputed with the credit bureaus several times but they continue to verify the account without being able to send information that validates the account. I have been a victim of fraud the last ten years and have informed the company of stolen identity. 

The account has been sold several times and each time I am not being given proof of burden. 

I want the account removed from ALL credit reporting agencies due to its fraudulent nature and negative impact on my credit profile. 

The account is appearing on my account as a negative closer account. 

XXXX Acct # XXXX
Product: Credit card or prepaid card

We have a Lane Bryant store credit card. Comenity Bank/Bread Financial has not reported our payments & account balance to the three credit reporting bureaus since XX/XX/2022. We have called them on the following dates, regarding this issue, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Each time we were given a different reason for the account information not being reported, and we still have no resolution to this issue. On XX/XX/XXXX, we were told that they were updating their reporting system, and that the reporting would be done on XX/XX/XXXX. We have had it for two weeks and there was no change in the reporting on our credit reports. On XX/XX/XXXX, we called and were told that the reporting can take up to 60 days, and they offered to have the reporting expedited. We waited until XX/XX/XXXX, and there was still no resolution, so we called again and were told that there is no way to expedite the reporting, and that it can take XXXX to 60 days for the reporting to be completed. Still no resolution to the issue, and another run around.
Product: Debt collection

Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I refinanced my mortgage with XXXX   XXXX  last XXXX. There were issues with my payment being received and applied to my account when I signed up for the bi-weekly payment plan at the time of the refinance. 

Several months went by and we were able to get the payment schedule corrected and the payments started to draft bi-weekly from my checking account. 

On XX/XX/XXXX I received a call stating that my mortgage payment had not been received and a late fee had been applied to my account. Baffled, I explained to the customer service representative the same as I explained above. 

I was then given two excuses by two different representatives of what happened to my account. The first was that I contacted customer service and advised that I wanted to unauthorized XXXX  from drafting my mortgage payment which is absolutely a fabrication. 

I then had to call back again and speak to another representative because of the rudeness, total disrespect, and condescending attitude towards me as I tried to rectify a problem that was of no fault of my own. The second representative that I spoke with told me that I had insufficient funds in my bank account and funds could not be drafted from my account. Again, an absolute fabrication of the truth. 

Furious by this time, I called my credit union to see what had happened with my mortgage payment. My credit union then advised me that XXXX did not attempt to withdraw the money from my account and that sufficient funds were available for withdrawal. 

I then called back to XXXX  and notified a representative of what I had learned from my bank. I was then instructed to get a letter from my bank stating what I explained to you above. I then submitted the letter to XXXX and was advised that the problem would be resolved. I was also advised that I could dispute the information to the credit bureaus and it would be removed or deleted once XXXX receives the disputed information. 

I followed the recommendation of a XXXX  representative and disputed the information. I was then notified by email from the credit bureaus that XXXX had updated the information. I went into my account to retrieve the results only to learn that XXXX had verified the information of the late payments to be valid. 

Since this debacle with XXXX, I have seen my credit score take a nearly 110+ pt decrease. I have a credit card with the XXXX XXXX that was credit line was reduced from {$11000.00} down to {$500.00}. This is happening right in the middle of home updates. 

This has caused me so much pain and suffering trying to work with XXXX  over the last few months. Until XXXX totally dropped the ball on this, my credit has been outstanding because of the hard work and on-time payments to ALL of my accounts. 

I have emailed XXXX XXXX, the president of XXXX XXXX, and my issue still hasn't been resolved. I continue to be assured that this is being resolved and it is not. I would believe it would be safe to say that I have had over 10-15 conversations and numerous emails with XXXX. Please assist me in getting this issue resolved. Thanks!