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

XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX XXXX XXXX shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
ERC shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
Product: Debt collection

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX  Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX  XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Collections that don't belong to me Original creditor : XXXX XXXX XXXX Account name : XXXX  Account : XXXX Amount : {$660.00} Original creditor : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account : XXXX Amount : {$630.00} Original creditor : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX Account : XXXX Amount : {$6.00} Original creditor : XXXX  Account name : XXXX XXXX XXXX Account : XXXX Amount : {$390.00} Original creditor : XXXX XXXX Account name : XXXX  XXXX XXXX  Account : XXXX Amount : {$910.00} Original creditor : XXXX Account name : XXXX XXXX XXXX XXXX  Account : XXXX Amount : {$1400.00}
Product: Checking or savings account

Direct deposit of for XXXX XXXX have not deposited into my checking account usually is in my account the day before payday still not currently in my account
Product: Credit card

I have a BoA Alaska XXXX CC that I have had for several years. This year, our balance was high due to a late XXXX family trip and the holidays. In late XXXX, we were unable to use our cards due to reaching the balance limit so I made a payment of {$2000.00} ( which more than covered my minimum balance in XXXX of {$80.00} ). In early XXXX, due to holiday shopping and life, I made another payment of {$15000.00} in order to make sure we had additional purchasing space for the rest of the month. For some reason, BoA 's system didn't remove my minimum balance as being paid for XXXX ( even though the system showed me as having no payment for XXXX when I made the {$15000.00} payment on XXXX? ) and on XXXX, my payment due date, BoA withdrew over {$8000.00} from my account since I am signed up for autopay. When I called them and asked why the autopay was taken out when I had already paid my bill they could not provide me with an answer. The manager I spoke with said this money can not be credited back to my account for 1-3 business days on their end and then an unknown amount of time for it to land back in my bank account ( a week or more likely ). This happening in the first place is criminal. Them not being able to remedy the issue, especially it being the holidays and all, is just unacceptable.
Product: Credit reporting or other personal consumer reports

Hi hope all is well I recently checked my credit report and I notice that there were some unauthorized accounts and inquires on my credit report that I didnt authorize under the FCRA its against the law to report and inaccurate information on a consumer credit report please remove all the accounts that i didnt authorized on my credit report immediately thanks Unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE UNAUTHORIZED ACCOUNTS IMMEDIATELY THANKS! 



15 U.S. Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a charged-off account on my credit report. I believe there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681eb. 
I have reviewed my credit report, and the aforementioned account is adversely affecting my creditworthiness. I am disputing the accuracy of this information for the following reasons : XXXX. Lack of Verification : I request that creditor provide verification of the charged-off account in question, including the date of first delinquency, and any other relevant information supporting the accuracy of this entry. 
XXXX. Non-Receipt of 1099-C Form : As of XX/XX/2024, I have not received a Form 1099-C ( Cancellation of Debt ) from the creditor for the charged-off debt. According to IRS guidelines, creditors are required to provide this form when a debt is cancelled or forgiven. Failure to do so may violate tax regulations. 
XXXX. Violation of 15 USC 1681eb : I believe that the reporting of this charged-off account without proper verification and documentation may be a violation of the Fair Credit Reporting Act, specifically 15 USC 1681eb . I request that the creditor investigate this matter thoroughly. 
Please provide a detailed investigation into the accuracy of the reported charged-off account, and if it is found to be inaccurate or incomplete, I request its prompt removal from my credit report. 
Additionally, I request that you investigate the failure of this Creditor to provide the Form 1099-C, as this may have tax implications for which I am not currently informed. 
I appreciate your attention to this matter and expect a timely response within the 30-day period stipulated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me of the delay.
Product: Vehicle loan or lease

My vehicle was repossessed during the term of the loan. I no longer have the loan because the vehicle is paid off
Product: Checking or savings account

This involves a deposit made at a Chase ATM. I made a check deposit at their ATM on XX/XX/XXXX for {$7600.00} and the ATM took the checks, but had a problem and could not deposit them. The checks were never returned to me, and I got a little slip saying to call them. My payroll was due that day and I really needed that money in the bank right away. After a long period of time on the phone he said it may take up to a week to get the credit. I told him that was not an option because their ATM ate my checks and it needed to be resolved right away. They gave me a credit the next day XXXX for the {$7600.00}. I had a few checks cashed from my employees that came up as insufficient funds before then. I thought the matter was closed until today XX/XX/XXXX when I got a debit charge on my account for {$7600.00}. Chase tried to say this was from another claim made 3 weeks before. The same thing happened just a few weeks before this incident XXXX. I deposited {$14000.00} in a Chase ATM that took the checks in and said there was a problem with the deposit and it printed out a small receipt with a number to call. No checks were returned and no money was deposited. Same as above there was a long time on the phone and in a branch and finally I was credited a couple of days later. Today after I went to the branch in XXXX XXXX, XXXX  to ask about the debit charge on my account for {$7600.00}, the teller looking at her computer could not tell me where the charge came from and gave me a number to call to submit a claim. I called the number and was on with hem quite a while. I had not put 2 and 2 together yet to realize it was the same amount or the XX/XX/XXXX credit. He told me that the claim had been denied from XX/XX/XXXX because they didn't have enough information. I told him to open the ATM because that's where the information was! I then asked what information do they need. He said he did not know that and I would have to return to a branch in person. I went back to be branch in XXXX XXXX and was in there for over an hour. The guy was nice but he was put on hold several times for long periods while they investigated it. That's when they told me that this was from the incident on XX/XX/XXXX. Of course I about hit the roof. I told them that these were both separate deposits 3 weeks apart and were not a all related. It took another 30 minutes for them to decide they weren't related and decided to reopen the claim. 
This has happened to me 5 times in the last 2 years and each time it is a huge time commitment just trying to get a claim going on something that's not even my fault. I told them that they need to have a better system with ATM 's that are not working properly to get claims filed quicker and without the burden of proof put on the customer. I need the {$7600.00} now not in 2 days or a week. 
Thanks,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed a series of hard inquiries from each of these credit reporting companys on my credit report. They are as listed XXXX : XXXX XX/XX/XXXXXXXX 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 These inquires were made without my consent or authorization I was not present for these applications these were done fraudulently I request these be removed for this is impacting my credit score negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts with XXXX, Equifax, and XXXX have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy. 

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.
Product: Mortgage

I have 2 houses and I use this one mortgage company for both houses, I have auto pay for both houses. I got a call from the mortgage co. saying they did not receive payment for the month of XXXX and I should make the payment to keep from making a late payment that would cause us to have to charge you a late fee so I when on and make the payment by phone while I was talking to her on the phone.

Just last night I took a look at my credit score just to see how I was doing and I notice my score drop by XXXX points for non payment to this company. So I call my bank and they told me the payment was make I look up the mortgage company online and to my surprise the payment was make into the other account, so I spoke with there representative and they say they see the money there but it's nothing they can do being that I gave them the money and that they want me to make another payment for XXXX and XXXX to bring that account up to date and it's nothing they can do to repair the damage they did they say if it was done by them then they can fix it, so I ask if I would come into your office and over pay you you would not tell me that I gave you to much and you would just keep my money as you are doing now. the first payment was on XX/XX/XXXX to one account and the other on XX/XX/XXXX that was for to be pay into the account that need to be pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX different letters to the transunion credit bureau XXXX on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers but the only response I received was validation but nothing else both times. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with XXXX response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.
Product: Payday loan, title loan, or personal loan

i am sending this in dispute of lendmark financial. now i find the new interest rate on a loan to be over 37.47 %, they also claim they explained the loan terms to me. yes, but they did not disclose the interest rate to me. they never do and i never paid it any attention until now and now i am concerned. Plus they kept sending out new loan invitations back to back in the same month to me in my emails. i was supposed to wait six months before this happened but it didnt, so they baited me into getting a higher loan amount which is strange and weird. loan companies should be reprimanded for doing that to customers and getting them higher interest rates and more debt
Product: Vehicle loan or lease

I attempted to applied for COVID - Relief in XXXX - on my auto loan - they continue stated I don't have an eligible account, I am being assessed late fees, and now they are reporting me as late on my credit report. Putting my job in a further compromised position. I can't reach a person. I have tried online, on their app on my phone - called and then rerouted to an automated system.
Product: Credit reporting or other personal consumer reports

i have recently filed A dispute with experian, and per the fair credit reporting act the consumer has 30 days to respond to an issue, and Experian has not responded to my complaint. My issue was revolving an account on my credit report, the account XXXX XXXXXXXX Please review attachment below.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX  counsel stated that I was not entitled to documents ( to verify debt and determine if the take it or leave it offer made was truly fair and reasonable ) XX/XX/XXXX XXXX XXXX XXXX  collections manager makes a take it or leave it offer ; in the condition that state bar complaint be withdrawn XX/XX/XXXX Sent Amended Notice to Produce ; to date XXXX XXXX XXXX  has failed to comply. 
multiple good faith efforts have been made, to date the only attempt XXXX XXXX XXXX  has made to resolve this matter is a take it or leave it offer. 

I am asking for your help to resolve this matter.
Product: Credit card

I missed a payment and was assessed a late fee and interest charge to my credit card account by Citibank. Currently, I have a family member with an illness. I apologize for any inconvenience but would like to remain a loyal customer of Citibank and Citi credit cards. I have been a loyal cardholder for 6 years and have made a mistake and it will not happen again. To ensure this, I have authorized Citibank to make a withdrawal from my account every month on the statement due date on the occasion that I do not proactively manage a payment.
Product: Mortgage

Dear CFPB, In XX/XX/XXXX, I missed my first mortgage payment. However, before missing the mortgage payment I had contacted SPS ( the loan servicer ) on XX/XX/XXXX, at XXXX, and advised them, that I would not be able to make this months payment since, my work hours were drastically reduced, and overtime income was nearly eliminated, in XX/XX/XXXX, at the onset of the Covid pandemic. 
Before the pandemic, I had received consistent overtime for several years. But my income was nearly split in half. The representative said, the plan was approved and that she would send me a confirmation letter. I received the confirmation/Forbearance Plan letter on XX/XX/XXXX. 
Once my hours increased ( back to normal ), in XX/XX/XXXX, I resumed making the full mortgage payment. I have not been more than 30 days late on my mortgage payment since then. 
I am asking for SPS to please defer my mortgage payment and finalize any loan modification or deferral plan. I am diligently working to provide SPS with the financial documents, BUT every single time, they're saying they did NOT receive the documents I provided. They say there is an assigned relationship manager, but I never get to speak to him. it is always someone different, and they also give me different responses. I am frustrated and scared that this situation will not be resolved. Please help me save my home.
Product: Credit reporting or other personal consumer reports

I contacted transunion XX/XX/2024 by messages about past due inquiries on my credit report. I was they would be removed automatically. I called on XX/XX/2024 and spoke with a representative after identity verification he checked my credit and the inquiries were still there, he told me to give him a few minutes to fix the issue. After several minutes he returned to the call and assured me the inquiries were removed. After hanging up I checked my credit report and the inquiries were not removed. I contacted transunion and used messages a person named XXXX responded and stated I would have to write a letter to have them removed. I didn't think she was very knowledgeable because the removal procedure for hard inquiries is removal XXXX from the initial start date
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX WASHINGTON DC XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

2 Notifications from Experian at XXXX XXXX and XXXX XXXX they say disputes are ready ONLY THING IS THESE DISPUTES ARE ON ACCOUNTS I PAID IN FULL MONTHS AND YEARS AGO THIS IS COMPLETE NEGLECT AND FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 u.s.c. 1681 section 602 A states I have the right privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019 I took a drug screening test for XXXX and was given results that they have found XXXX in my system. I do NOT smoke XXXX. My complaint is that I know for a fact the results they gave me were absolutely false. I need help!
Product: Debt collection

I do not remember the exact dates it has been years, I originally did have an account with XXXX, but they forced me to keep me account open against my request and the bill continued to go higher even though it should have never been allowed to go beyond 1 single period. So everything is inflated and incorrect! I am being bullied.
Product: Debt collection

This company continues to act in bad faith. They said they would dispute the account and did not, in fact they reapplied it to my credit versus disputing. They said I would receive something in the mail I have not recieved anything. This company continues to provide false responses and reports to my credit without my knowledge and when I found out they reported without my knowledge I have suffered great finicial loses and opportunties that I can not rebound from. Keep sending the same information over and over, but it is all false resolutions. They are just telling the CFPB whatever they can versus assuming responsibilty for their actions. 
I should not have to provide them anything, since they have a supposed right to destroy American citizens credit and livlihood through the credit bureas they also have the ability to view them and see. Once again, false repsones. This is an agency that is making false results and continueing to operate in bad faith.