23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been notified of my incorrect account balance for a XXXX account which should be showing XXXX
Product: Credit card

I have a XXXX through Barclay and I noticed that my my monthly interest rate is being charged against my account balance on my card. I have never had a late payment and even made advanced payments. I noticed that I was almost at my credit limit and had n't used the card. When I called about it the woman told me that my bill drops on the XXXX of the month and if I do n't pay it by the XXXX of the month, there is an interest fee charged against my balance. That amount would be charged even if I paid my bill early. I have to wait until my bill actually drops and pay it before the XXXX of the month even though it is n't due for 30 days after the bill is dropped. It looks to me like I was being charged double interest if I did n't pay by the XXXX of each month and my interest was being charged interest. It just did n't set right with me.
Product: Checking or savings account

On XXXX XXXX Bank of America offset my business account {$2100.00} in order to cover a closed credit card I previously had with the company that was never on auto pay. 

I called Bank of America to request my funds back, letting them know this practice was illegal and they insured me it was legal and my funds would not be returned. They told me right to offset was in my account agreement. I asked them to send my account agreement which they agreed to do but never sent. 

On XX/XX/2023, after receiving my federal financial aid, Bank of America offset my personal account for {$5000.00}. I quickly contacted them requesting the funds back and they told me they would not return the funds. I again told them this was illegal and they argued with me claiming it was legal and in the agreement, terms and conditions. I asked for it to be sent, again, they never did so I found the agreement and disclosures on their site. While on a recorded line, I read to the manager Bank of Americas agreement and disclosures documents which states the following : We may take or setoff funds in any or all of your accounts with us and with our affiliates for direct, indirect and acquired obligations that you owe us, regardless of the source of funds in an account. 
This provision does not apply to IRA or tax-qualified retirement accounts, to consumer credit card obligations or where otherwise prohibited by law.

I repeated to the manager that the document stated this did not apply to consumer credit card obligations or were otherwise prohibited by law. Her response to me was I dont know what youre reading but its legal. 

Bank of America has just been fined {$1.00} XXXX because they continue to break the law with no regard to their costumers.
Product: Mortgage

Sometime during the month of May my spouse and I began the purchase of our first new home together. We had a few issues with the level of competence with one individual handling the information gathering of our loan, however, the complaint isn't 100 % about her because we do realize that she may have been overwhelmed or new on the job. Our complaint is regarding the gross unprofessional behavior exhibited by an individual by the name of XXXX XXXX who works for XXXX XXXX. XXXX is a Loan Officer in the mortgage department and his NMLS ID is # XXXX. After communicating back and forth over email regarding the veteran funding fee and a few other fees, my wife called him to gain a better understanding. XXXX was not only unable to clearly explain the fees, but he also made condescending statements about him being an XXXX and the level of his intelligence and ability to explain is superb, etc. After a long conversation and a high level of frustration, my wife and XXXX concluded the call. My wife called our realtor who was able to explain in greater detail. My wife then communicated with XXXX via email to advise that she was able to get the answers from our agent. At the conclusion of the conversation on XX/XX/2020, we were under the understanding that all required items were satisfied and settlement would proceed on Friday, XX/XX/2020. In addition, we received a clear to close letter from XXXX XXXX. To our surprise, XXXX sent an email to all parties involved in the closing with the exception of us ; the homeowners to be, stating that the closing was off and to halt all activities. We found out because we received a panicked call from our realtor. My wife immediately reached out via phone and email and got XXXX 's voicemail. Extremely concerned with having a roof over our head, we escalated our call to management and was eventually able to get our settlement back on the track. We complained to XXXX who said he was XXXX 's supervisor. He stated that XXXX didn't have the authority to cancel and he would follow up and see what happened. Ultimately, XXXX stated that XXXX made a wrong call. This is totally unacceptable and unprofessional behavior in my opinion. It has been weeks since our closing and we have yet to hear from XXXX ( not even on closing day ). As a result of the aforementioned, we would like to file a formal complaint against XXXX XXXX and XXXX XXXX.
Product: Mortgage

Approved for assistance with payments, but Rocket/Quicken not set up to accept these payments. Need them to accept these payments asap please. 

Your application for Mortgage Payment Assistance through the XXXX Homeowner Assistance Fund Program, where assistance was requested for your primary residence located at XXXX is now on hold. The servicer you have selected, Quicken Loans has not been setup to accept payments at this time. We are currently communicating with your servicer and requesting their participation in the HAF program.
Product: Credit card or prepaid card

On XX/XX/2019, I made a payment of {$320.00} on my credit card account. My credit limit is {$750.00}, and my balance is showing {$400.00} ; however, my credit limit is showing {$22.00}. I checked my account to see what was going on and I sent an email to see what was going on but never received a response. I contacted Capital One via telephone on XX/XX/2019 and was told that Capital One is holding the funds. Capital One has never held funds to my account in the past. Capital One has taken the funds from my bank account as of XX/XX/2019. Capital One has not notified me to explain why they have chosen to hold a payment in such a manner. This practice of holding funds for no reason is a shady practice. I far exceeded the minimum payment in an effort to get my credit balances down and Capital One is holding the funds, for what purpose? On my credit bureau accounts, it looks as though I am still using more of my credit than I am because it lists available credit. Capital One manages XXXX XXXX and it also fails to reflect the accurate information for my Capital One accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has reported our account deliquent for over 120 days while we have been in an Forbearance agreement. I asked several times and they even reported XXXX and XX/XX/2023 and I called. They made corrections to mine but not my husband who is a co-borrower. During this period I one of my other recurring accounts was closed because they said I was credit risk. We denied as cosigners for my daughter 's student loan which we desperately need. I am attaching the credit correction letter sent to XXXX today as well as the credit notice from XXXX credit monitoring for my husband XXXX XXXX as well as the Forberance agreement. Our credit is effectively ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see and hard inquiry on my credit report that I don't know anything about from Conn 's appliances Inc phone number is XXXX their address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas it happened on XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

Letters were sent to XXXX, Experian, and XXXX in regard to incorrect personal information they have on each of their reports. I asked for removal as well as any and all documentation pertaining to how and from whom they received this information. I received no response from either three bureaus, and the incorrect information remains on their reports. I have attached copies of the letters that were sent to each company which lists the information that needs to be removed, asap.
Product: Mortgage

I have a condo mortgage payment with Nationstar mortgage company. Nationstar mortgage has placed flood insurance into the escrow payments on my current mortgage payments. The flood insurance that they charged me for is for the entire building, not just my condo, which increased my monthly payments by {$620.00}. Flood insurance is paid by the condo association of my building and was paid in full in XXXX 2015 for the year. Nationstar collected money from me for this payment for the flood insurance for the entire building even though it was already paid in full. I make the monthly mortgage payments each month, but due to Nationstar 's inaccurate billing they are saying that my account is delinquent, when in fact it has been overpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XXXX  and were fraudulent. I initially contacted the creditors who were XXXX XXXX XXXX XXXX XXXX XXXX   and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my Equifax credit report. I sent multiple letters to Equifax to remove these as they were fraudulent and attached the police report. I then had to call Equifax and advise them to remove. They ended up finally removing on inquiry ( XXXX XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to Equifax and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the XXXX XXXX  inquiry. I have included a rough timeline of events below.

XXXXTwo fraudulent hard inquiries XX/XX/XXXXBoth creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XX/XX/XXXXPolice report filedXX/XX/-Called Equifax and they advised they would remove these XXXXMailed a complaint and police report to Equifax to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to Eqifax where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XX/XX/XXXX-Called Equifax to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my Equifax credit report.
Product: Credit card

I placed 4 orders with the merchant for foam slabs using my CHASE credit card. The orders numbers and items received and not received were ; - XXXX ( delivered ) - XXXX ( missing entire order. Six 5 slabs ) - XXXX ( missing four of the 3 slabs ) - XXXX ( delivered ) I contact the merchant several times by phone and online requesting a refund due to not receiving what I ordered. After not being able to resolve the situation, I did a chargeback and explained why to CHASE. I requested a chargeback of {$210.00} for order # XXXX that never arrived and {$170.00} for half of order # XXXX since it was missing half the purchased items. 

CHASE has denied my claim for the {$170.00} although I have provided all the requested information and proof that the merchant defrauded me by stating I received all orders. I have attached the entire dispute history. 

The claim for the {$210.00} is pending but I am sure to win since I was able to show that on the merchant 's own website, it shows I never received it.
Product: Checking or savings account

For a year I have been using the Wellsfargo drive thru located on XXXX XXXX XXXX XXXX XXXX Az XXXX on XX/XX/2022 at XXXXXXXX XXXX I was serviced or lack of serviced by a woman named XXXX. She immediately returned my deposit through the deposit tube and said merchants are not supposed to use the drive thru anymore and need to get off to make deposits. She was rude and off putting, there was no other vehicle next or before me, and this was the first time I had ever heard of that. I did not receive a warning beforehand and I had to drive to the next Wells Fargo Bank XXXX miles away to be able to make my deposit. I have never had an issue making business deposits from XXXX XXXX XXXX by in the drive thru. I would like a follow up call on this new procedure or if it is one. My name is XXXX XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX XXXX XXXX  was canceled and closed on XXXX, I've disputed this with all XXXX credit reporting Bureaus and they will not fix this and are reporting a balance of over {$4000.00}, it was a secured credit card that never actually held a balance but now even after several disputes and calls they will not fix it, I've contacted the bank and they agree that it was closed, and I have a screenshot of the chat with the bank with them stating when it was closed.
Product: Checking or savings account

XX/XX/XXXX Opened account online with PenFed Federal Credit Union at XXXX. 

XX/XX/XXXX Sent an email to close this account at XXXX. 

XX/XX/XXXX Received a response via acknowledgement email from PenFed at XXXX to confirm closure and current mailing address. 

XX/XX/XXXX Provided confirmation via email at XXXX with the information XXXX requested. 

XX/XX/XXXX Received an email from PenFed stating unable to process this request via email due to amount of funds on hold. I will need to contact a Member Service Representative at XXXX to complete this request. 

XX/XX/XXXX XXXX with XXXX at PenFed who advised that I needed to call back on XX/XX/XXXX. 

XX/XX/XXXX Spoke  with XXXX at PenFed who claims unable to verify my identity after correctly answering all questions he asked. 

I called later on that morning, spoke with XXXX who advised account on hold until Tuesday. She claims unable to assist further. 

I called back again that same day, spoke with XXXX who advised account on security hold and required certain documents. I submitted my Drivers License and received a confirmation email. 

XX/XX/XXXX Spoke with XXXX at PenFed verified my Account number, Date of Birth and email address as requested. She sent me a verification code via text to which I provided back to her. XXXX, indicated that a Cheque in the amount of {$2500.00} would be sent to my address on file. This will be after a XXXX hours review. 

XX/XX/XXXX Spoke with XXXX at PenFed who claims that I must provide the following in order to close this account : 1. Color copy of my Driver License 2. My Social Security Card 3. Utility Bill 4. A statement requesting closure of my account Please assist me in obtaining my money from this company PenFed Federal Credit Union. 

Thank you! 
XXXX XXXX XXXX.
Product: Debt collection

Dear Sir/ Madam I am unaware of this debt and did not have an opportunity to dispute this debt. I did not receive the proper notification. If in fact if you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating I received it. 

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

I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} ), XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I wanted to receive state benefits titled Louisiana Revised Statutes 29:312 limits the interest rates that creditors can charge to XXXX XXXX military personnel and their spouses. This statute applies to obligations entered into on or after XXXX XXXX XXXX 
Given I am an XXXX XXXX service member that has a home of record for Louisiana. The credit card company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that I have paid in the past.