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

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with a jeweler that has always been current. I have even met the requirement of paying off balance in 12 months with no interest. For some reason that past three months starting in XXXX. Paying through the companies ' portal has been a mess. Ill make monthly due payment and later down the road theyll be calling me asking for payment. When I go check on portal it has said my payment was reversed with explanation. This has happened more than twice and unfortunately the last time it happened they marked me 30 days late which I think is unfair. They have been unwilling to provide me with explanation on way the payments are getting reversed. I have been financial capable of paying this account for the past year in a hlaf since it was opened. They recently changed online portal and system to pay on account but still give no valid explanation on why my payments havent been going through when funds have been available. On top of that when I called to let them know I was upset they marked me 30 days late they had offered me no assistance or help. Ive always paid this account on timely matter and I think it is unfair for them to mark me 30 days late.
Product: Vehicle loan or lease

XXXX has allowed this company ( Lendbuzz funding llc ) to report a fraudulent account on my report, my information got exposed during the data breach. I have disputed this account multiples times, Dates of disputes XX/XX/year>, XX/XX/year>, XX/XX/year>. I have asked for documentations from this company stating that this debt belongs to me something with my signature I yet have to receive anything.The error is illegal and unethical XXXX FAILED TO INVESTIGATION, The account is damaging to me. 
Please delete this account immediately.
Product: Mortgage

My copy of the copy the Home Equity Line Line of Credit Agreement ( Note ) states that the loan # is # XXXX. ( copy attached ). 
After sending me copies of documents with loan number XXXX, Chase now claims that they have no loan with that number. On XXXX XXXX, 2016 I sent Chase a request for information in connection with the subject HELOC loan which originated with the # XXXX. Chase responded on XXXX XXXX, 2016 stating, " We also did not find a loan ending in # XXXX. '' ( copy attached ). 
On XXXX XXXX, 2016 I sent Chase Mortgage Payoff department a Mortgage Payoff Request for Loan # XXXX. Chase responded in a letter dated XXXX XXXX, 2016 stating " With the information provided in the correspondence, we could not identify a Chase account. '' ( copy attached ) On XXXX XXXX, 2016 Chase sent a letter stating " We 've confirmed that we do n't have an account for you ending in XXXX. '' ( copy attached )
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I am a victim of identity theft following a data breach, and unauthorized accounts have appeared on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of these fraudulent accounts from my credit report.

The accounts to be deleted are as follows : 1. Creditor : 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 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
Product: Debt collection

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX )/ XXXX / {$6800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) / XXXX {$75.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX XXXX.- Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Prepaid card

I suffered great loss when Bank of America wrongfully froze my XXXX account and reversed permanent credits. Several of my benefit payments were absorbed into the negative balance BofA created. I was victimized by Bank of America and have been deprived of my funds for the last 3 years they notified me to submit an Independent Review Process to XXXX consulting XXXX to seek compensation for losses I suffered. I submitted the XXXX with all supporting documentation on XX/XX/XXXX and called for status several times and again can get no clear answer from anybody regarding status of my request or even a time frame for review of my request. Saying there is no time frame is unacceptable! How long is BofA going to deprive me of my funds???! Yes they are supposedly following what they were ordered to do by CFPB and currency controller office in XX/XX/XXXX XXXX but they still havent made me whole for any loss I experienced and as a consumer I shouldnt still be at a loss Years later! I want to be compensated for my funds I lost in my account my weekly payments that were deposited into the account when they illegally froze my account and all the other tremendous life altering losses I suffered due to their abusive and negligent business/banking practices. This 3rd party company handling the IRP also needs to understand what I and so many others have suffered and step up and do the reviews not just brush us off
Product: Credit card or prepaid card

I stayed at the XXXX XXXX XXXX in XXXX, ut from XXXX XXXX XXXX XXXX  due to a sewer backup in my condo. We stayed in rooms XXXX and XXXX and all room charges and pet deposits were to be paid by XXXX XXXX, who is contracted with XXXX to help with accommodations during the repair process. I was required to provide a credit card for " incidentals '' to be charged at checkout. When I checked out, I asked for a receipt and they couldn't give me one. When I saw that they had charged my credit card {$210.00} on XX/XX/XXXX, still during my stay, I called the hotel and they still couldn't provide me with any information. I contacted XXXX Corporate offices, and they couldn't get the hotel to respond to me and provide this information either, so my only recourse was to file a dispute with my credit card company. 

The hotel then told the CC dispute dept. that they had " tried to charge my card on XX/XX/XXXX but it had insufficient funds so they rebilled it on XX/XX/XXXX '' - they still didn't provide any documentation as to what those made up charges were actually for. The card company denied my dispute based on the information the hotel gave them. This is a blatant lie, because I was not staying at the hotel on the date they provided to the CC company.

After 3 different calls, including a supervisor, they said they could reopen the dispute, but that I needed to provide a receipt from the hotel, and there was no other documentation that would be acceptable, knowing full well I couldn't provide that information, because I didn't have it and the hotel refused to provide it. Essentially allowing the merchant to LIE to them about the charge, and siding with them, leaving me with no options but to pay over {$200.00} with no truthful explanation for the charge.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00}.
Product: Prepaid card

I'm completely appalled as to how does this poor excuse of bank such as bank of america can blatantly get away with all the fraudulent schemes they do and untrustworthy procedures and policies they don't even abide to. To this day there has been no type of resolve whatsoever with this incompetent bank who now has cut ties with the California EDD after all the fraudulent activities they helped in and condoned. How in the XXXX am I not reimbursed for stolen unemployment benefits after my replacement card gets taken from my mailbox and used without my knowledge because I was INCARCERATED for all the fraudulent transactions is mind blowing to me. After calling to file over 10 disputed transaction claims and complaints with this bank who doesn't do any type of investigation or regulation E abiding when after 10 days have passed during the fake investigation they said they did was a complete waste of time and only helped these idiots cut ties with CA XXXX now. I lost the place I lived at where any correspondence from bank of america went to and can't even file anymore claims due to those idiots failure to supposedly verify me over the phone now. I have contacted for help you CFPB and The office of the Comp Controller and have been given the runaround back n forth saying Comp controller refers the CFPB as the main regulator of bank of america. FYI I completed and sent everything that bank of america has requested of me, every single document that would have helped corroborate my claims and still nothing. You make me sick to see that your just as crooked as bank of america.
Product: Checking or savings account

I been calling for over XXXX years now never received my money the sat it in the frud department on my paperwork the person name is XXXX XXXX XXXX XXXX XXXX XXXX I been asking of XXXX years that's a law suit
Product: Debt collection

I changed cell phone providers in XX/XX/2020 from XXXX XXXX XXXX to Consumer cellular. The hotspot I use was purchased from XXXX XXXX XXXX and paid for in full when ordered. I contacted XXXX XXXX XXXX and advised I needed the device unlocked for use with another carrier. They took about two weeks to unlock the device which left it on their network for about three days which they billed {$110.00}. The amount due is the result of their poor customer service. I had been a customer for probably 20+ years with zero billing issues. I refuse the money grab by XXXX XXXX XXXX which has had a negative effect on my previous Fico score of XXXX. You don't achieve a score like that by not being financially responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, It has been communicated to Trans Union that my Name to be mentioned correctly as per the social, DOB and various identification, there is no dot or punctuation marks in the names, and respective credit bureaus responded me back with written response that name is printed correctly. Trans Union did not address this concern, which was raised in my complaint and also communicated to trans union multiple times. I also ran the credit report on XX/XX/XXXX and still appearing the dot/punctuation mark after my middle initial, which needs to be corrected to avoid fraudulent activities and identification theft issues. Could you kindly direct TU to remove the false address with wrong street and apartment number in the credit report generated on XX/XX/XXXX. I sincerely request Consumer Finance Bureau to refer complaint to federal officer as TU has kept on reporting false details in my report even though Consumer Finance Bureau directed Trans Union to correct my personal details [ Attached the report generated on XX/XX/XXXX ].
Product: Debt collection

I never received any notice or anything in mail on this from Merchants credit guide
Product: Student loan

I was told I could not pay off my loan because Great Lakes  (   XXXX    was the representatives name ) lumped all of my loa ns into one payment.   XXXX  told me that I have to satisfy my minimum monthly first before I can pay off my loan. My monthly payment is  one monthl y payment for all of my loans. Each loan was given a " token number '' but was rolled in to one payme nt. Each loan has different interest rates. I am trying  to payoff one specific loan that is a low balan ce but high rate. They told me that even though I have a monthly automatic payment set up that I CAN NOT PAYOFF THAT LOAN. They said I have to make the minimum monthly payment  FIRST! I am trying to payoff one loan that they took upon themselves to roll into one big loan. This is costing me daily interest that the company is profiting from by not allowing me to payoff my small loan that they rolled into one big loan.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXXXXXX XXXX  on XXXX. Unfortunately, I needed to get a car for my wife to drive my daughter to school. I was give almost XXXX  % of XXXX. I made a mistake a accepted the " deal '' considering a refinance operation in the future. I have been paying almost U $ XXXX monthly. This week, I received the auto car statement and they charged me XXXX only for interest and around XXXX for the principal. This is simply and purely evil. How come that I am not even paying XXXX dollars to the principal but more than XXXX to interest? 
They do not provide any support by email because they only show phone numbers on its website. 
I need clarification and a fair treatment here, please.
Product: Credit card

I gave my Credit Card information to the XXXX XXXX company at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, ( XXXX ) XXXX to pay for a moving XXXX XXXXl. At that time all that was owed on my BANK OF AMERICA Credit card was $ XXXXI returned the XXXX XXXX  at around XXXX : XXXX  the next morning with a charge of {$4.00} being charged by XXXX XXXX. when I looked at my BANK OF AMERICA credit card balance, it said the I had deposited {$200.00} which was deducted from my card but added to the balance owed! I filed a fraud claim but the bank is still saying that I took the money off the card!! I did not take any money off of the card because the XXXX XXXX company would charge the card. when I tried to see if XXXX XXXX did this ..I saw vanishing amounts come up and then disappear... Please investigate these two companies and the credit card company as someone within them has done this, as it has happened before and I have had numerous cards closed and have been receiving notice that I have accounts that I did not open. I am willing to take a Polygraph test for Forensic evidence as proof that I am not lying. I am XXXX XXXX XXXX and feel that I have been targeted for at least 5 years by someone working within Bank of America or the Credit Card Company as well as possibly XXXX XXXX  as well, because of this ..I can not pay my bills and I am XXXX and live on a set income.
Product: Debt collection

XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw Santander. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if santander verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. Santander violated my rights by opening an account without verifying my identety. 

Santander nor XXXX have responded to me after they attempted to verify the debt with the fraudulent documents created by the the dealership, that they accepted without verification. The debt must be removed from my credit file as santander violated my consumer rights. 

Further more. If a creditor chooses to report to the credit companies, that information has to be 100 % accurate. All of my credit files are missing some payment information for the santander account. This is a violation of my rights, the item must be removed.
Product: Vehicle loan or lease

On XX/XX/2024. As I was on my 30 minute lunch break. I get a knock on my door and the guy said he was taking my car. I was unable to get items out of my car. I begged him not to take them car. Been homeless for almost a year. He tells me I had 14 days to get my car and personal items. I wasnt given any information who to contact. No phone number nothing. I had to return to work! With tears in my eyes and feeling something just not right. That next day I called my bank Pentagon Federal Credit Union asking question 's. They gave me the number to the Repo company XXXX XXXX  ( XXXX. How the Repo company refused to give me information. Told me to call the bank back. Same story its 3 weeks and I have received NO information about my car, my personal belongings and Pen Fed as already did a charge of on my car. I have no answers!
Product: Mortgage

I had a complaint recently with Wells Fargo. However, they cancelled the complaint in their executive office from their end after they responded to you, & without following through with their commitment & their resolution in their response to you, they are now harassing by phone & any way they can with reps & auto dialers. They are interfering with my ability to make progress and harassing me at work. I had no contact or communication with a rep named XXXX XXXX, who sent me a letter closing the file on XXXX XXXX. Although the # XXXX account issues seem to be resolved and payments have recently been applied accurately, I still have the same unresolved issues with acct. # XXXX:1 XXXX there is a payment that has not been applied to acct. # XXXX from 3rd quarter 2014 ( 3 payments were made in one month & I have provided bank statements XXXX. 2 XXXX The terms of the modification offered & provided were not the best available, and were not in accordance with published Hamp guidelines. Please assist in obtaining a fair and equitable resolution. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from Uprova. The interest rate is 700 % so it is impossible to repay this loan.