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

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, Equifax and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 letters to the credit bureaus ( experian, XXXX, and XXXX ) on inaccurate names, addresses, phone number, and job that they are reporting. I have provided them with proper identification the included ; licenses, social security card, and current utility bill as they requested and yet the inaccuracies are still there. They coming back to me with a letter stating verified ; but yet has not showed me how and who verified that all addresses on my credit report are correct. I mailed out letters on XX/XX/2022 and XX/XX/2022 and the credit bureaus keep coming back verified within 5-7 days in which I believe is stall tactic because they haven't state how it was verified so fast. I need these inaccuracies deleted ASAP.
Product: Debt collection

I, Consumer XXXX d/b/a XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. Pursuant to my initial complaint on XX/XX/2021, my federally protected consumer rights continue to be violated by this financial institution. Even after sending a cease and desist that was received on XX/XX/2021 by Bank of America, N.A., my rights pursuant to 15 USC 1692c. ( a ) ( 3 ), 15 USC 1692c. ( a ) ( 1 ), and 15 USC 1692d. ( 5 ) continue to be violated. My phone continues to ring at my place of employment and at inconvenient times with the intent to harass and annoy me even after receiving my cease and desist as labeled in Exhibit G.

Also instead of validating the debt as I requested, I received threatening letters as shown in Exhibit I from Bank of America, N.A. that demand I make payments to an alleged debt that they can not even validate exist with the intent to coerce me into making payments. If I do not make payments threatened to exercise remedy that is allegedly available to them via a fraudulent contract. This is a violation of my federally protected consumer rights pursuant to 15 USC 1692e. ( 5 ). Within the letters were the same profane language that I addressed in my initial correspondence which is a violation pursuant to 15 USC 1692d. ( 2 ). This letter was constructed to give me the false belief that I, the original creditor, owe an alleged debt in which I am not participating in collecting a debt from myself and is a violation pursuant to 15 USC 1692j. ( a ).

I have proof as shown in Exhibit H that Bank of America, N.A. violated by federally protected consumer rights pursuant to 15 USC 1692d. ( 1 ), 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ), and 15 USC 1681a. ( d ) ( 2 ) ( B ) in which Bank of America, N.A. damaged my reputation by reporting false balances and reporting a consumer credit transaction that involved the use of my credit card to XXXX that should have been excluded from my consumer credit report.

In addition to these repeated violations, I have yet to receive any validation of the debt and the invoice was not paid on time. I sent a follow up invoice with late fees as well as additional charges for repeated violations of my federally protected consumer rights.

I have provided the attachments from the initial complaint as well as the new Exhibits, return and certified receipts, Affidavit of Truths pertaining to the FCRA and FDCPA, and an updated invoice that reflects late fees and additional charges for repeated violations. Attached is also Notice of Default and Opportunity to Cure.
Product: Checking or savings account

My checking account was withdrawed by counterfeit check at XX/XX/2022. I called CitiBank on XX/XX/2022. I was told that they will start an investigation and return my money back in 10-15 business day. I asked them to stop all incoming physical withdrawing checks. 
On XX/XX/2022, I found a second withdraw using the same counterfeit check. I called CitiBank investigation team immediately, and asked them to stop issusing money to any physical check withdraw agiain. I was promosed that that will not happen again. They are ding investigation. 
Today, XX/XX/2022, I found a counterfeit check withdrawing from my checking acount again by the same person. I talked with threee person, the last one is lay who is a team superwiser. She told me that will start investigation today, and suspend my checking acount for 90 days, during which I can not access my money. 

My complain is that they can not promise me with empty promise and pay my money to the conterfeit checks repeatedly. Due to the lock of my account, my finacial situation has been greatly changed.
Product: Student loan

I wrote in via chat requesting a refund of {$200.00} for a payment I made during forbearance. I never received a confirmation email, or anything to track this refund.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all XXXX major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all XXXX major credit bureaus removed and deleted are : XXXX XXXX SVCS : MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON TRANSUNION ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/20 WHILE REPORTED THE SAME PAYMENT ON TIME ON XXXX. 


XXXX PATH XXXX XXXX XXXX DRIVERS SCHOO : ACCOUNT NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

OPPLOANS/FINWISE : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE XXXX DRIFFERENT ACCOUNTS ON ALL XXXX MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

OPEN XXXX XXXX XXXX : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.
Product: Debt collection

My identity was stolen and used to open up credit cards including this one I contacted XXXX Bank and XXXX to no avail then they sold the debt to XXXX this is not my dad I have disputed it with all three credit bureaus and XXXX without investigation or providing any proof says the debt is mine and the credit bureaus believe them
Product: Mortgage

Wells Fargo started reporting on my credit for a mortgage that was included in a bankruptcy case in XX/XX/XXXX ; this loan has not reported on my credit for the last 7 years. I did not reaffirm the loan at any time. In my XX/XX/XXXX divorce the property and loan was awarded to my ex-wife.
Product: Credit reporting or other personal consumer reports

AFFIRM is currently reporting that I have a delinquent account with them. Ive received emails from them and when I select make payment option theres either an error message or nothing populates. I also went on this creditors app to make my payment and receive an error message or nothing at all. Ive been trying to pay these two accounts in full for the last couple months and was unable to due to the creditors website and app. Now they are reporting on my credit that I am delinquent and it dropped my score by over XXXX points. This is UNACCEPTABLE and VERY INCONVENIENT!
Product: Credit reporting or other personal consumer reports

Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/EXPERIAN * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.
Product: Mortgage

I have a mortgage loan with BMO Harris Bank. On my XX/XX/2017 loan statement, I noticed that the amount I 'm paying over the regular payment amount due is all of the sudden being applied to the following month 's regular payment. Up to this point, anything over the amount due was being applied to the principal. 

I 'm trying hard to pay the principal down as fast as I possibly can to reduce the interest I 'm losing. My reg payment is {$310.00} ( roughly {$240.00} principal, {$69.00} interest ), but I recently starting paying {$800.00} each month through auto bill pay with my bank ( XXXX ). 

I called BMO and asked why I see two regular payments and one curtailment related to my XX/XX/XXXX payment of {$800.00} and I 'm told " there was a policy change. '' BMO now takes what was the curtailment amount and applies it to the next month 's regular payment ( which includes interest not yet accrued ) if it 's equal to or greater than the regular payment amount due. 

Then, I asked to change this configuration/setting/preference back to the way it was, and I was told it 's not possible. I was told I 'd have to call in every month to tell them how to apply the payment ( all overage to principal ). 
*My bank does n't allow me to send a memo with my payment that would designate how to apply the payment, and BMO 's online banking will not allow me to designate that either. I was told I could use chat or call in if I wanted it changed. 

Though the rep said this was a policy change, I 'm wondering if BMO ran analysis of some kind and discovered that I had increased my monthly payment which prompted them to start using my money without my permission so they could milk every last penny out of me by gaming the interest when they delay my payment to the next month? 

I asked the rep to submit a complaint stating the change is unethical and immoral. I believe this practice is an attempt to exploit consumers and manipulate the system to BMO 's advantage, even if it 's a few cents at a time.
Product: Credit reporting

XXXX XXXX submitted a hard inquiry to Equifax Credit Bureau on XXXX/XXXX/2015. I have no knowledge of this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX hit and we lost our power and internet when XXXX XXXX XXXX XXXX XXXX  We did not have power for XXXX  days and no internet for XXXX weeks. I went into the branch the week before XX/XX/XXXX and the said their system was down. I went back on XX/XX/XXXX and said I needed to make the payment. They pulled up the account and told me the amount. So I paid what they told me. The due date was on the XXXX so I left there thinking I made the payment before the deadline with no problems. It wasnt until the credit bureau report that it was over XXXX days late and I went back in to the bank to argue that I found out that they told me the wrong amount and we were reported late for the {$200.00} difference. I have spoken to people at the bank and at the loan department that all agree that it was their fault and that they would reverse the negative report to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. Firth Third bank received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, Fifth Third Bank received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.
Product: Credit reporting

I 've only received emails from XXXX different banks. All of them asked me to click on the link provided in the email to verify the accounts. I did not do that because they are not mine. I replied to one of the email accounts with Chase Bank stating I was not the individual associated with the account. There was not a telephone number to call so replying to the email was the only way I knew how I might be able to communicate. I 've received about six emails from Chase Bank since XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the account has been accessed from an unauthorized location. I do not have a XXXX account but there was a phone number to call for this bank. 
XX/XX/XXXX, I received an email from XXXX stating they were contacting me to inform me that their security department identified unusual activity in my account. In this email there was only a link to click on to verify the account but no telephone number. This is again, not my account. 
I am being sued for a debt that I do not believe to be mine as well and inquired about an investigation concerning this as well as placing a fraud alert at the XXXX credit reporting agencies. 
I am not sure how to attach these emails to this website. If you can help me with that I would appreciate it. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Transunion requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

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

I was told that my credit would not be run until I made the decision of what type of vehicle I was gon na purchase and the amount would be discussed, they ran my credit with out my consent even after I told them I was not going to move forwardI did not sign anything or was given any type of form to fill out neither did I give them any type of identification or social
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : DEPTEDXXXX - XXXX DEPTEDXXXX - XXXX DEPTEDXXXX - XXXX DEPTEDXXXX - XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX Account Name XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXXXXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} has violated my rights. 

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

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

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

I deposited a check using credit funds from a different bank ( i.e., XXXX ). These cash advance checks were sent to me by XXXX. I had approximately {$15000.00} of credit remaining on my XXXX Account, so I wrote a check for {$5500.00}, not knowing that my " cash advance '' allowed amount was only around {$1700.00} ( there was NO information enclosed with the checks that they sent me stating this ). Consequently, the check did not clear. I phoned XXXX and spoke with a customer service agent who informed me ( erroneously ) that my cash advance amount was only {$5200.00}. So I wrote another check for {$4900.00} and deposited it again to my Fifth Third Bank checking account. Once again, the check was returned by XXXX. Today upon phoning XXXX I spoke with a supervisor ( name : XXXX ) and she disabused me of the previous erroneous information that I was provided. She informed me of the {$1700.00} limit, apologized, and refunded all charges associated with the return of the two checks. Almost immediately after the first check was not honored, Fifth Third LOCKED my account!!! Now hear me : this is an account that my Social Security checks are directly deposited to!!! I have phoned Fifth Third several times. Spoke with a customer service person named XXXX, even met with her once in person. She was very personable and has tried hard but has been unable to resolve this. I believe that the manager of the branch ( located at XXXX XXXX XXXX XXXX, XXXX, IN, XXXX ( must be quite intractible and wholly unappreciative and irrational. I have been banking at this branch for YEARS and have paid them hundreds of dollars annually in fees, etc. To treat me like this is far below what I have experienced at any other bank OR AT THIS BANK previous to her tenure as bank manager. Pretty hard to fathom how they can lock an account after two mishaps as described above. I am preparing a complaint with the Federal Reserve after I submit this one as well as any other appropriate entity that interfaces with banks.
Product: Credit card or prepaid card

On the XXXX of XXXX I contacted credit, spend account customer service to report fraudulent activity on my account explain to them via phone call all of my money was gone out of my account which was deposited from the IRS my taxes and I had gotten notifications on my email that the new card was issued and sent out to an address that I was unfamiliar with and that the phone number on the account I was locked out of the account the pain was changed to the card I had all these no notifications and when they told me the transactions these people drink my money through XXXX XXXX and at a casino and threw up it's very obvious and evident that it was fraudulent activity they have now not giving me an explanation why but they have denied my claim twice and that is not right they have also blocked my access to my credit karma account and will not send out any Credit Karma spend account card which I have money on my card still and I had a direct deposit so I need my money they are robbing me
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a new account open that recently showed up on my credit report and this account was opened since XX/XX/22 from GoodLeap and just now is showing up on my credit report but this account is not mine. I dont know anything about GoodLeap or this account. Please remove this account from all 3 of my credit reports. It also shows a balance of {$28000.00} as the original loan but supposedly I still owe {$29000.00}, how can the amount go up from the original loan???? This is a fraudulent account. The term also shows for 303 months???? This account is not mine. Please REMOVE THIS ACCOUNT FROM ALL 3 credit companys. I never signed anything with them and I dont even know what this is about.