23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX/XXXX/XXXX I received a copy of my updated Experian Credit Report. In that report Experian re-posted Inquires that in a previous credit report sent to me by Experian dated XXXX/XXXX/XXXX informed me that a numerous of inquires that I have been disputing since XX/XX/XXXXhave been deleted. The following are the items that were deleted and now reflecting back on my Experian Credit Report having an extreme negative impact on my credit report and credit score. 
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 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/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX ALLY FINANCIAL XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Please Note : I am unable to attach the documents at this time but the documents can be supplied at your request via fax.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

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 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

In accordance with 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 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 XXXX XXXX XXXX XXXX XXXX 

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.

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: Credit reporting or other personal consumer reports

I was affected by the Equifax Data Breach. I am a victim of Identity theft pursuant to 18 USC 1028A. The accounts that's affecting me are listed below : 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.
Product: Mortgage

My online account with Carrington currently shows {$270.00} due in uncollected fees. I am contacting to raise awareness and share my sentiment that this is an outrageous amount of fees to collect for late payments of all things. 

First, {$30.00} worth of late fees were charged in XXXX and XXXX, respectively even after I received a letter explicitly stating " no fees for escrow penalties will be assessed to your account for payments that come due during the declaration period ( ending XX/XX/2024 ). This is, frankly, extremely deceptive to tell borrowers " no late fees '' only to go on to assess late fees. 

Second, a late fee in the amount of {$95.00} was assessed in both XXXX and XXXX. Frankly. any late fee in excess of {$25.00} is ridiculous. But fees nearing {$100.00} are unconscionable and should be illegal. How am I supposed to get current on my mortgage when I am now nearly {$300.00} in the hole with fees? Please look into this and consider a policy change.
Product: Checking or savings account

On XX/XX/2024 checking my small business accounting software I noticed that a credit card that automatically is paid from my business checking account suddenly had a late fee. Checking further I discovered that WellsFargo closed both my Business Checking and Business Savings accounts of XXXX  years on XX/XX/2024 ( Personal customer for XXXX  years ). On calling support on the XXXX they claimed I never submitted a requested physical address to have on file for the business accounts which I had completed in XXXX and even received cards in the mail confirming the address change. After additional research the support person located the attempted address change, but stated that it hadn't actually changed and so the accounts were closed and there was nothing he could do to address the situation. The only recourse they offered was to schedule an appointment to go to a physical branch for an hour an XXXX half to open brand new accounts which are not linked to any of my other business accounts, or money management tools because there " is no way to re-open the accounts '' that they incorrectly closed. WellsFargo made no attempts to call, or email me despite my long history with them they just closed the accounts causing late and non-payment fees to be incurred on accounts relying on this checking account for auto-payment.
Product: Checking or savings account

Debit card was stolen earlier this year and theif apparently knew my PIN number ; Schools First Credit Union honored the claim and refunded my money. I notified the bank of my missing walled within 8 hours. 

I lost my new debit card ( new PIN ) and thief, somehow, used my PIN ( according to the bank ) and the bank will not honor my claim. There were 30+ transactions in the single day compared to my maximum activity of, maybe 5 transactions a month. Someone should have flagged all that activity. I notified the bank of my missing card within 24 hours. 

Please tell me how to enforce the bank to return my stolen {$9000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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: Credit reporting or other personal consumer reports

I am writing to file a complaint about inaccurate and unfair reporting on my credit report. 
Back in 2020 I submitted a hardship letter based on the XXXX XXXX credit protection act. I asked the credit card carrier for accommodations based on hardship because I was financially affected by the pandemic. A certified letter was sent to the credit card carrier. My letter was never acknowledged, and after calling numerous times nothing was done by the credit card company to help. Instead, my account was sent to collections where it now reports several months of delinquent and late payments. 

Therefore, I believe that in accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's one 6 6B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I ask that action be taken by the credit reporting agency and remove any information that violates my rights as a consumer.
Product: Credit card

I was victom of a XXXX scam in late XXXX, and submitted a dispute of nearly $ XXXX to barclays bank. My dispute was closed immediately, with a letter sent to me stating it was essentially auto-closed because " service was provided '' although the property I rented was not at all what was advertised. I put together a detailed packet of information, and sent it to Barclays within 30 days to re-open the case. They closed the case again stating I did not send my followup documentation within 20 days. This arbitrary 20 day time limit was not disclosed in the initial letter, nor can I find it anywhere in my account documentation. The scammer is walking away with nearly $ XXXX, will continue to scam other customers, and Barclay Bank is doing nothing to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item XXXX XXXX account is inaccurate because there are reporting late payments when I actually the paid on time for that account. 

Late payments were report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Equifax. I made payment to Badcock on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I call W.S. Badcock in XX/XX/XXXX when I first noticed the errors on my account and the company made corrections on my account to show the payments was received and the account was current. The corrections can be seen on the XX/XX/XXXX to XX/XX/XXXX statement along with the past date amount is {$0.00}. This is the second time this company report inaccurate on my credit report. I file a dispute with EQUIFAX ON XX/XX/XXXX Confirmation number : XXXX and on XX/XX/XXXX Confirmation number : XXXX. Equifax failed to remove the inaccurate late payment report on my account. I have filed a third dispute on XX/XX/XXXX Confirmation number : XXXX. EQUIFAX failed to remove or correct the inaccurate on my credit report.
Product: Credit card

XXXX BANK OF AMERICA XXXX  XXXX I am reaching out regarding account number XXXX to address a billing error. I understand there may be some confusion about my actions, and I apologize if this has caused any misunderstandings. My intention is not to create confusion or engage in fraudulent activity. Rather, I am actively learning about negotiable instruments and following relevant legal guidelines outlined in the Texas Business and Commerce Code, Section 3.104, which applies to negotiable instruments in Texas.

Loan notes, or promissory notes, are considered negotiable instruments under Texas law. These instruments represent an unconditional promise to pay a fixed amount, due at a specific date, without any additional acts required to tender payment. My actions in this matter are in accordance with the Texas Business & Commerce Code and follow established legal principles surrounding negotiable instruments.

The negotiable instrument I submitted to Bank of America was endorsed. Additionally, I have provided collateral for this instrument, which indicates Bank of Americas familiarity with handling such instruments. Despite this, no explanation was offered to me on negotiable instruments when I submitted my document with a blank endorsement, allowing Bank of America to potentially collateralize and benefit from it on the U.S. securities market without my consent. This lack of disclosure conflicts with the fiduciary duty attached to such instruments, and I would like to resolve any resulting misunderstanding.

Given these circumstances, I request that Bank of America place my account under billing error status until this issue is resolved. This action will prevent any adverse impacts on my credit report or any further misunderstandings while we work towards a resolution. 

Bank of Americas communications, including any suggestion that I might be attempting fraud and issuing threats, contradict my rights to informed use of credit, as protected under 15 U.S.C. Chapter 41. I am requesting that Bank of America refrain from suggesting, in writing or otherwise, that I am engaging in fraudulent activity.

Moving forward, I intend to submit payment using an unconditional order to pay, commonly known as a " check '' or " bill, '' which meets the criteria for a negotiable instrument per Texas Business & Commerce Code, Section 3.104. I have accepted, endorsed, and am now tendering payment with these instruments. Bank of America is required to accept and present these instruments for payment, per Section 3.501 of the Texas Business and Commerce Code.

Bank of America must comply with negotiable instrument laws and should exchange these instruments as appropriate. Any further failure to recognize these instruments or attempts to issue baseless accusations may result in legal action to rectify the situation.

Thank you for addressing this matter in accordance with the Texas Business & Commerce Code and for ensuring that my rights as a consumer will not be violated in the future.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.

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: Debt collection

I set up a payment plan to settle the debt. Before my last payment of {$2200.00}, I received confirmation over the phone and by email that the collection would be removed from my credit report after my last payment which was made XX/XX/2024. I've attached the settlement offer email clearly stating this. The most recent times and dates I called NCB Management on a recorded line - specifically XXXX XXXX on the phone are XX/XX/2024 at XXXX XXXX and XX/XX/2024 at XXXX XXXX and the settlement offer email was from XXXX XXXX .

I saw that the collection on my credit report was updated to " paid '', not removed as promised. I disputed with the credit bureaus and it still wasn't taken off. They have committed fraud by not honoring their verbal and written agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AMERISOL Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

Several fraudulent accounts and the reporting of a bankruptcy that's been dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Northstate acceptance took this account off of my report. Months later the account was put back onto my account after they voluntarily removed it. Filed a complaint with the cfpb and they stated it would be removed in XXXX. The account is still listed.
Product: Checking or savings account

l was selling my motorcycle for XXXX XXXX  and was contacted by XXXX XXXX requesting that i sell the motorcycle to her and she would mail me a check due to being out of state so with everything being online these days i agreed and then the check was sent priority with a tracking number. I received the check Saturday XXXX the XXXX and deposited the check via ATM Sunday the XXXX at key bank on the XXXX XXXX in XXXX Maine and was told the check should clear by Tuesday XX/XX/XXXX in which it did so i went to said branch and withdrew the money and told XXXX to come get her new bike which we agreed to Friday the XXXX after XXXX. But on thanksgiving morning Key bank withdrew the check and charged me XXXX dollars due to the check being XXXX dollars as XXXX  was agreed for the in state movers and i was in the negative XXXX dollars when the check posted as to why i was selling my bike i needed then money in an bad way so once it was figured fraud i went to the bank and filed the complaint where 5 mins into the meeting key bank management informed me that it was my issue and i should have checked the check out like i work at the bank its they're job to look at the checks not mine and they told me i had to pay the amount back even though they have insurance and they cleared the check if there was an issue they should have never posted it to my account why do i have to pay it back while the scammer gets to go free all i did was try to sell my motorcycle and the bank cleared the check its they're fault not mine how am i suppose to have a check looked at they never ask questions no one ever called to inform me i was being charged XXXX XXXX  or why nothing im on a veteranXXXX XXXXXXXX and with my monthly check hitting this week and XXXX coming with winter my kids and i are going to freeze to death because of key banks greed
Product: Debt collection

This debt is my sons debt he was not living at my home and he was XXXX when it happened