23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I receiv ed 2 letters from Bank of America notifying and informing me that several claims I made with Bank of America in regards to my checking and money market savings account being used fraudulently and unauthorized and having unauthorized and fraudulent transactions and charges on my checking account,  were authorized by me and posted correctly to the account. The unauthorized and fraudulent transactions were not authorized by me. An identity thief used my personal information and my previous and current address to commit unauthorized and fraudulent transactions on my checking and savings account. I made a police report in regards to identity theft and my checking and savings account having fraudulent and unauthorized transactions that was not authorized by me. The fraudulent and unauthorized charges and transactions do n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My XXXX  credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to AES/PHEEA, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX  XXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.
Product: Credit reporting or other personal consumer reports

I sincerely appreciate your efforts in removing some of the inquiries resulting from an alleged identity theft. However, two inquiries remain on my credit file, which must be removed as required by FCRA Section 605, under ID THEFT REPORT # XXXX. These inquiries are unrelated to any transactions I authorized and should be promptly removed : EXPERIAN : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I applied for a pre approve offer with Capital one which I was approve.I was checking my credit reoprt ( s ) with XXXX and XXXX I noticed that this offer ended up being inquiry which it did impacting Capital One ad clearly states it wouldn't impact my credit score which it did. My XXXX score dropped by 10-15 points as did my XXXX score. I called Capital One they informed once submitted all personal information that was listed as credit card application which the ad didn't stipulate that on the pre-approve application. When I spoke with XXXX they informed me that matter would have to resolved through Capital one The add clearly states this is not application nor will it impact my credit score which is entirely untrue.MISLEADING ADVERTISM clear and simple!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

I pulled my XXXX Credit report on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX to update and correct my personal information. One of the things I was seeking to correct was a misspelling of my maiden last name, listed on my report as XXXX. My maiden last name is correctly spelled XXXX. I was informed I could not remove this misspelling because it was tied to an account being reported by Diversified Consultants. I informed the rep that I have not ever conducted any business under the last name of XXXX and this has never been my name. She initiated a dispute at this time. On XX/XX/XXXX I received an email stating the results of my dispute were in. This account came back as verified. I was provided with no information as to how this account was verified. How can an account be verified under a name that is not mines? I have conducted no business under this name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian and XXXX  in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy
Product: Credit card or prepaid card

My credit card company failed to inform me about the penalties they imposed to me, i called costumer service XX/XX/XXXX XXXX they just told me they sent letter to me no action being made in favor to me which i feel this is not my fault they should call me and send email to me to make sure i dont get trouble with my credit card they dont do it because they want collect more money to me this is just a small amount of money but for me as laborer or just getting per hour job this is big to me and i feel injustice of my credit card company. they even failed inform to me that i have to pay them {$500.00} interest after XXXX of my credit card being activated, if i know this i never accept this agreement therefore i felt being a victim fraudulent activity of my credit card company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.
Product: Credit reporting or other personal consumer reports

AVA XXXX XXXX  is reporting inaccurate information on my credit report. 
They state I missed a payment but payment was never late. 
they admitted they were having technical issues and the app did not allow me or notify me to make a payment. I have contacted them multiple times and they admit they are at fault but will not fix the inaccurate reporting. Please force them to fix their mistake
Product: Debt collection

I have filed an earlier complaint but more information has come to light. XXXX XXXX is a recipient of a letter from Atlas Acquisitions who has consequently acquired the debt. She apparently works for my lender. Anyway I have a copy of the letter she received from Atlas Acquisitions. They are requesting an amount of {$9100.00} as payment in full including principal, court costs and any authorized post judgment statutory interest. Does that mean in a subtle way that they still want the {$32000.00}? They say they will release the lien. But that still does not address the fact that this should have been discharged in the bankruptcy. In the letter, the date of the judgment is XXXX/XXXX/XXXX in plenty of time for it to be iincluded. In fact, I have the paper work from my bankruptcy in XXXX which included the debt to XXXX the company from which Atlas acquired the debt.
Product: Checking or savings account

As of XXXX of XXXX  I have had {$7900.00} in an account that I can not access. My funds have been locked up, and won't be released as per many attempts to withdraw them from multiple locations. As well as call numerous times the customer service departments, and special service lines on the matter. They can not give me any information about nor can they tell me anything as far as when they will release my funds to me. This has been over a year I've been dealing with this matter, and have been very patient. First I lost everything in hurricane Ida, and I have been struggling since to get everything repaired on my home. I've been denied any assistance on the repairs because of how soon I purchased the home as to when the storm hit. I've had many problems over this matter happening for instance, I had to go to prison because someone said I stole their money because I couldn't access these funds to do the work I was paid to do. This has caused hardships on top of hardships, they should be responsible for these, and still nothing is done about the real criminals in all this. Please do something, I really don't deserve what they are doing to me. The company is Capital One Bank XXXXXXXX XXXX  Thanks Again ....
Product: Vehicle loan or lease

Loan is over 7yrs old and this loan shouldn't be on my report. 
Company Name Lendmark Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I reviewed my credit report from Equifax, XXXX and XXXX and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that Equifax, XXXX and XXXX investigate these matters promptly and remove these fraudulent accounts and inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. 
Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

The company ( Aidvantage ) has a well-documented history of being unable to process automated payments through their website. I've several payments returned to me & the company promised to open an investigation around my issue. 
However, when I went back in to make my payments they were returned ( again ) and in speaking with multiple representatives, they are very useless & do not care/help get the IT issue resolved on their end. 

It's been months of back and forth with the company and as I mentioned earlier, this is a well-documented issue for borrowers being unable to repay their student loans. Additionally, their website ensures that this is the fastest/ most-reliable method for doing so.
Product: Student loan

I recently reviewed all my student loan accounts and found 2 schools listed that I did not attend. I have 3 student loan accounts listed under my name for the XXXX  XXXX XXXX. These accounts include 3 loans : 1 ) Current Balance Amount {$7600.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$33000.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$38000.00} Disbursement Date : XX/XX/XXXX Total Balance of all Accounts = {$80000.00} I have another student loan account listed under my name for XXXX XXXX. This account includes : Current Balance of Account = {$18000.00} Original Principal = {$13000.00} Disbursement Date XX/XX/XXXX Total Balance of both Schools Accounts = {$98000.00} This is quite disturbing to me, especially when I see the last disbursement date of XX/XX/XXXX. I have never taken out any student loans with these schools. I graduated from XXXX XXXX University with a Bachelors degree in XXXX. That was the only and last university that I ever attended. That is why Im confused as to how the above referenced accounts are showing up on my credit report. That is also the reason why these student loans have not been included in my consolidation and student loan forgiveness accounts. I have already contacted Aidvantage in XX/XX/XXXX requesting a Loan Discharge for these accounts and my request for Loan Discharge was denied. I also sent disputes to each of the schools with no reply. I am disputing all of the above referenced accounts due to the fact that I never attended these schools. By publishing these inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. This nearly $ XXXX debt is creating an inaccurate Debt-to-Income ratio on my credit report and negatively affecting my credit score for the past few years. This discrepancy is causing me to miss out on credit building opportunities including housing, credit cards, and auto loans.
Product: Credit reporting or other personal consumer reports

Credit card was open in my name with the approval from my XXXX XXXX Trustee. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I attached the credit card company names right from my credit report
Product: Mortgage

I opened a {$40000.00} line of credit with XXXX XXXX XXXX  in XXXX used it a few times over the years and paid the amount off each time within the time frame, without any difficulties. I received a letter dated XX/XX/XXXX stating they were no longer offering baking products and they were transferring my loan to a company called Specialized Loan Servicing LLC. I had no balance at this time and decided I just wanted to close this account as I no longer had use for it. I called SLS LLC and was informed that I would be receiving a welcome packet and that I could take care of it then. I never received a welcome packet and when I continued to call, in XX/XX/XXXX I was told that I needed to submit my request in writing along with a copy of my drivers license to a XXXX XXXX in XXXX, Colorado, which I did. This exercise took Three ( 3 ) days to complete because of different people I was transferred to, dropped calls and people in different parts of the country. After a brief period I was contacted to submit a copy of my property insurance and the declaration page of my flood insurance. I have these items with XXXX. After more haggling and transferring I was told that I didn't need those items, They already had them. But I needed to submit in writing again with a copy of my drivers license a request to completely close out this loan, which I did. On Friday XX/XX/XXXX, I received a letter From SLS LLC stating that they were " Suspending access to my line of credit and this suspension will be in effect until this condition no longer exists! '' and that I may request a reevaluation of this condition at a later time. 
I Have a XXXX balance on this HELOC, there is not a mortgage on my property and all I am asking is that I can have a statement that this loan is completely closed and that I won't have to deal with SLS LLC ever again. I believe these people deal in deceptive business practices and would appreciate any help that you could offer. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One /Auto Finance continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per XXXX USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.
Product: Debt collection

I have been contacted by this company numerous times over the last 3 months via mail and phone regarding a debt that is not mine. I have sent XXXX certified letters explaining the debt is not mine. I have also spoken to an agent and given all the required information to show that this is not my debt. I have not received a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT MARK AS DUPLICATE, THIS IS INTENDED FOR TRANSUNION. 

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX SSN : XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Debt collection

Hunter warfield inc has a collection on my credit report on behalf of The XXXX at XXXX XXXX for the amount of {$3100.00}. All of my balance owed had been paid years ago and I do not owe any money, to the XXXX at XXXX XXXX. I have attatched an email from the XXXX XXXX XXXX XXXX stating my account with them was settled and that they did contact Hunter Warfield to clear the account. Additionally in the documentation from Hunter Warfield it specifically says " ok by corporate to waive termination fee and removed from collections record ''. The final statement date provided by Hunter Warfield is from XX/XX/2017, XX/XX/2017 is when the XXXX reached to rectify this issue so it is clear Hunter Warfield has not updated the account on their end and has made NO effort to make an update. No money is owed and I request that Hunter Warfield due their job and obtain an updated record from the preserve and have this be removed from my credit report with tXXXX XXXX XXXX XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct.  correction Good morning XXXX XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional XXXX. We have corrected your account and waived the termination fee. Respectfully, XXXX XXXX Assistant XXXX The XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank provided a promotion offer for opening a new checking account and meeting requirements. As a qualified customer, I met all required activities within the given time. PNC customer service representative confirmed the bonus of {$500.00} will post in 60-90 days after XX/XX/XXXX, or approximately XX/XX/XXXX When the bonus failed to post in my account, I followed up with the bank several times online. PNC Bank opened a ticket for tracking purpose, but evenutally no explanation was provided, bonus was never provided as of XX/XX/XXXX. 

As a consumer, I expect a bank to honor a promotion offer.
Product: Student loan

On XX/XX/2021 someone applied for a student loan under my name. I called Discover Financial immediately and they cancelled the application and I was told they would contact the credit bureaus. I spoke with XXXX and they removed it. XXXX  and XXXX are requesting I complete this form before they remove it.