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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}
Product: Checking or savings account

This Bank was XXXX they wont give me my money they said it takes XXXX  days. I have to pay bills and go to the store to buy food. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX Opened XX/XX/2020 Original creditor name : XXXX XXXX Balance {$490.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) The creditor replied they would remove the disputed item but the bureau is still reporting the information.
Product: Debt collection

Enhanced Recoveryis reporting a debt for {$970.00} in 2018. I am a victim of identity theft. I do not have an agreement with this company and I do not owe this creditor.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

On XX/XX/XXXX, I had a balance of {$3600.00} and the payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$3500.00}. which left a balance of {$120.00}. My XX/XX/XXXX, statement shows a balance of {$200.00} which includes a balance of {$120.00} and an interest charge of {$75.00} for carrying a balance of {$3300.00} on XX/XX/XXXX. 
I asked why I was carrying a balance of {$3300.00} on XX/XX/XXXX when I paid {$3500.00} on XX/XX/XXXX. They answered that they charged interest on the whole balance ( {$3600.00} ) which still does not explain why they are charging interest on {$3300.00}. 
I was expecting they would charge interest on the remaining balance ( {$120.00} ). I think there is an irregularity in the way they calculate the interest. I would like to have a better understanding of how they charged interest.
Product: Debt collection

I had to research the phone number to discover who the company was. They continue to call my cell phone with a dialer ( There is a long pause and click before a human comes on the line ) despite the technology that allows them to identify the phone number as a cell phone.
Product: Mortgage

Loan paid off in XXXX, now saying money owed. Submitted modification XXXX and XXXX and emailed XX/XX/XXXX! Still nothing, at this point just want it modified. XXXX was originator! NEED COPIES OF ORIGINAL LOAN DOCS NEED TO SEE ORGINAL LOAN DOCS AND RESPA VIOLATION! AND MODIFY LOAN TIRED OF FAXING AND NOTHING HAPPENS say nothing received!
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

i sent them a certified letter XX/XX/2018 requesting validation. I let them know by law they had 30 days to respond or show me a contract bearing my signature. Not only did they not respond but they marked only one bureau with a dispute mark while they are reporting to two bureaus.
Product: Mortgage

On XX/XX/year>, NVR Mortgage hard inquired my credit so that I could " rate lock '' an interest rate with them for a home loan. I agreed to the rate of 5.375 %. The " rate lock '' was valid for 6 months. The home was supposed to be closed on in XX/XX/year>. For these reasons, we chose NVR Mortgage as our mortgage provider. 

Around XX/XX/year>, we started to finalize the closure process of the home. NVR Mortgage hard inquired my credit AGAIN, and the score came back lower due to the previous hard inquiry they ran in XXXX. They advised that because my score had come back lower, my rate would now go up unless I paid {$1200.00} to bring it back down to the original 5.375 %. 

I have two friends who also bought their homes in the same neighborhood through NVR Mortgage and they had the same thing happen to them. NVR is stealing from their customers by purposefully hard inquiring their credit twice, causing consumers to have to pay a higher quoted amount since the second hard inquiry will always have a lower credit score due to the previously hard inquiry ran by them several months prior. I have all of this documented in email, including the exact credit scores and reasons for the credit drop. It is clear from the credit reports that the main reason for the lower score is due to the previous hard inquiry. 

It is also deceptive to call a rate " locked '' when it can go up, and almost always does from what I have seen. The only reason we chose to go with NVR for our loan was because of the rate lock they offered. By the time we became aware that the rate would actually be higher due to the drop in credit score caused by their own hard inquiry

several mon ths ago, it was too late to try and go through another lender. The main points of contact at NVR w
ere : XXXX XXXX XXXX - LoanOfficer XXXX XXXX XXXX - Loan Processor
Product: Credit card or prepaid card

Capital One has been applying my payments late which is leading to several delinquencies on my credit report. They are reporting my payments as 31 days late when the payments are being within 30 days or less. This is inaccurate reporting and illegal. I have tried multiple times to remedy the problem with them to no avail. I am now demanding that all late entries be removed from my file or I will be forced to seek further action based on damages incurred to credit profile due to their erroneous and haphazard reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Finance Dept IL XXXX XXXX XXXX  XXXX : XX/XX/XXXX Subject : Bank Of America loan rejection due to lack of information in my credit reports I am filing a complaint against Bank Of America and XXXX ; the former rejected my application for a loan to buy a used car. In order to get the online price for the car, I had to finance it for at least 4 payments. I already put down almost half of it. 

As far as I'm concerned, my credit rating is extremely good ;. I have NEVER been late on a payment. Not when paying off my house ( in the XXXX 's ), any of my previous car/other loans ( earlier ), or any of my current/previous credit cards. Nearly 5 decades. 

. My credit card balances are very low, and I pay them off every month to avoid interest charges. 

When I called the company and asked why my loan was rejected, they said I have " insufficient/limited credit history ''. THIS IS A COMPLETE LIE!!! They said to call XXXX. I did. I was told that they only keep info for the last 10 years, so ALL MY PREVIOUS LOANS WERE NOT AVAILABLE!!! This is why I was rejected!!! 

I am extremely dis-appointed in BOTH OF THESE XXXX, horrible companies! HOW AM I SUPPOSED TO PROVE THAT I HAD MY LOANS IF THERE IS NO LONGER A RECORD OF THEM?????!!!!! THIS IS COMPLETE XXXX!!! I AM TOTALLY XXXX  BECAUSE THEY DON'T KEEP A RECORD OF ALL MY PREVIOUS LOANS, AND MY REJECTION WAS BASED ON THIS LACK OF INFORMATION!!! 

My copies of my credit reports only start in XXXX. As for my house loan, all I have is the last payment information where they said it is paid off, but no history over the 17 years I had it. And no copies of my earlier car/other loans. 

I am now FORCED to pay for the entire car, and I will probably NOT get the online price, meaning, because of these XXXX companies, I am probably FORCED to un-necessarily pay more for it!!! 

I can not believe that they treat people as XXXX XXXX! I do not deserve to be treated so horribly by such companies!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

XXXX, XXXX and TransUnion are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

PUBLIC INFORMATION ERROR ( REMOVE ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. THIS ITEM HAS BEEN DELETED FROM TRANSUNION, XXXX AND XXXX BUT STILLAPPEARS ON XXXX. 

FRAUDENT ACCOUNT ( REMOVE ) : XXXX XXXX XXXX OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : 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  ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

XXXX XXXX ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX GR 15 U.S. Code 1681e - ( 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. 

15

U.S. Code 1681a - ( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. Please investigate the accounts that are erroneous in my credit report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

U.S. BANK STILL CONSTANTLY SHOWING DISHONEST STATEMENT TO US AND OUR ACCOUNT TRANSACTIION. DATE PRINTED OUT STATEMENT XX/XX/2019 BY XXXX. DEEMED TO BE HOLD ON TRANSACTIONS FOR MONTHS JUST TO DEDUCTED MONEY ILLICITLY SOMEHOW FROM OUR ACCOUNT PERHAPS. 
CHARGING FOR ATM PRINT-OUT IS RIDICULOUS & RIDICULE, WE WERE TOLD, THAT NO CHARGED OF ANY KIND WITH OUR ACCOUNT. BUT, TODAY XX/XX/2019 CHARGED A {$1.00} DOLLAR FOR A PRINT OUT AT U.S. BANK INSIDE XXXX XXXX. SOME OF THE WORKERS INSIDE STORE U.S. BANK DEEM TO BE CROOKED EMPLOYEES. MAJOR CONCERNS.
Product: Student loan

THIS LOAN HAS ALREADY BEEN PAID OFF ( SEE ATTACHED DOCUMENTS ). PLUS I WAS CHARGED INTEREST AND " FEES '' ( WHATEVER THAT MEANS ) LONG AFTER THE DEBT WAS PAID!! THE DEBT WAS PAID TO THE US TREASURY DEPT, BUT WAS NEVER REPORTED TO THE DEPT OF EDUCATION!! TO THIS VERY DAY XXXX XXXX, 2017, THE DEPT. OF EDUCATION DOES NOT HAVE A RECORD OF THESE PAYMENTS!! AS A MATTER OF FACT, NONE OF THE COLLECTION AGENCIES WHO HAVE EVER HANDLED MY CASE, NEVER HAD A RECORD OF MY PAYMENTS TO THE US TREASURY DEPT!! THIS IS AFTER REPEATED NOTICES TO THESE AGENCIES THAT I HAD PAID THIS DEBT OFF!! THEY REFUSED TO, FOR WHATEVER REASON, TO IGNORE THIS FACT!! EVEN THE DEPT OF EDUCATION, AGAIN FOR WHATEVER REASON REFUSED TO ACT ON MY REPEATED NOTICES THAT I HAD PAID THIS DEBT THROUGH THE US DEPT OF EDUCATION!! THE SUPPORTING DOCUMENTS FROM THE US TREASURY DEPT. PROVES THAT!!
Product: Credit card or prepaid card

I have made 2 payments to Goldman Sachs XXXX on XX/XX/XXXX for {$1200.00} XXXX on XX/XX/XXXX for {$1500.00} Credit limit is {$2700.00} And {$0.00} available for any charge up to this very date Ive called twice Their explanation was XXXX waited 5 days to reject a payment of {$1500.00} on XXXX? Or XX/XX/XXXX. Unsure The default auto-payment feature is defective In order to auto pay a minimum or specified amount under this feature you must manually tweak to preferred or specified amount Before end of month Im trying to see how to correct but this complaint is based on the electronic payment Goldman Sachs accepts to claim they are awaiting clearance from payment bank and the funds have cleared the day of or day after payment This appears as a fraudulent practice and fiduciary irresponsibility and incompetence. 

GS is using money already paid to my Credit card account while CLAIMING theyre awaiting payment.
Product: Consumer Loan

I appreciate partial Lien release received XXXX 2015 - I am requesting full release to be filed in county recorders. I sent letter XXXX XXXX, 2015 - acknowledgement of letter has not been received. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CaliforniaZip Code XXXXRe : XXXX XXXX, vs. Ally Financial and General Motors Auto Credit, et al., Dear XXXX XXXX, XXXX. : Responding to your letter of XXXX XXXX, 2015, your are aware that any action against the property of a debtor, who has initiated proceedings under any chapter of the United States Bankruptcy Code, especially actions which affect any interest the debtor has or may have in that property, are void regardless of actual notice of the Bankruptcy proceedings by the creditor. The XXXX Chevrolet Corvette in question, is listed as an asset in my Bankruptcy proceedings and the loan pertaining to its purchase and the judgment obtain for its possession are listed as liabilities on my Bankruptcy Schedules of Assets and Debts, and all relevant parties received actual notice of the pendency of the proceedings. 

There is now pending a request to reopen my Chapter XXXX Bankruptcy proceedings to address your clients knowing and willful violation of the provisions of the automatic stay of the Bankruptcy Code. I demand that the vehicle in question be immediately remitted to my possession on or before XXXX XXXX, 2015. If not I will consult legal counsel regarding the appropriate action to be taken to compel the turnover of this property of my estate or for such damages as I may be entitled.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this issue in a previous letter & I am including it again. I am attaching another FTC report XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance that will happen. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Money transfer, virtual currency, or money service

For over a month I tried to access my funds in my Coinbase Inc. account. I saw prices slipping and wanted to make some moves. I tried to prove ownership by submitting IDs, including passports and DLs and a passport card. They requested a video which I gave several then wanted me to hold up my passport with the date written on a piece of paper all in a selfie. They said they couldn't see me clearly. It was XXXX unbelievable to give all that info - and in a not very secure fashion and still be denied. I estimate I lost XXXX to XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

these addresses are nonmailable XXXX my personal infomation is being compromised XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX
Product: Credit reporting or other personal consumer reports

Not able to access my credit report online or file a complaint online. This has been going on for 2 years now and has been reported several times and each time they tell me its my web browser and its not because my daughter son and husband can access their accounts online from the same computer and web browser. They have locked me out of my online account and not updating or correcting or investigating my complaint and just sending it all back as verified when its not because its not matching my other credit reports as the other two credit bureaus.
Product: Checking or savings account

I was a Simple bank customer and loved it. In XXXX, it I was I formed that Simple bank would be closing and that XXXX account would be converted to a XXXX account seamlessly. Again, I want to make clear how much messaging was directed towards customers that the transition would be automatic and seamless. 

Well, the transition has been a failure at every turn. XXXX, along with thousands of other customers, can no longer access their accounts. They were tremendously underprepared for the switch. 

Whats been more disappointing is how they have handled things from a customer service perspective. They direct customers to various numbers, only to be hung up on. Whats more, you can find dozens if not hundreds of videos on XXXX showing customers getting a pre-recorded customer representative stating, sorry, cant hear you, call back! 

I want access to XXXX funds, and I want honesty from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to Experian 's misuse of their dispute practices. Previously, I disputed accounts from XXXXXXXX XXXX  XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. I disputed these directly with the companies as well as with all 3 credit reporting agencies. XXXX responded to the XXXX XXXX dispute by reporting the account " Paid in Full ''. Experian responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE LATE PAYMENTS ON ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$1000.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed five enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. The five accounts in question are listed here. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX.
Product: Money transfer, virtual currency, or money service

I wired {$10000.00} from my bank to Coinbase on XX/XX/XXXX, which was supposed to appear in my XXXX  account immediately. Since then, I've called many times, each time they're telling me that a specialist will get back to me. I've also emailed many times to which nobody has replied. I've messaged them all over social media to no avail. It's now XX/XX/XXXX and I still have not been contacted by anybody, not even to say that my case will be looked at eventually. Please help me, that's all the money I have.
Product: Debt collection

I demand immediate action to remove the fraudulent items listed in my letter, as required by FCRA Section 605b. Your prompt compliance with this request, including notifying all furnishers, is crucial to rectify the identity theft damage. Failure to do so will result in legal action. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Filed : XX/XX/XXXX Status : Dismissed. Plese remove these items ASAP.