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

I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX   COURT   XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bureau s ( Equifax,  XXXX ,   XXXX   XXXX   ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX  XXXX XXXX have placed an inquiry on my TRANS UNION credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX  and TRANS UNION to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the  consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX  and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
Product: Mortgage

I recently submitted a complaint ( REF # XXXX ) requesting Planet Home Lending to modify the date on my foreclosure to reflect the CORRECT DATE OF XXXX XXXX, XXXX. Instead of changing the INCORRECT DATE of XXXX XXXX, they changed it to another INCORRECT DATE of XXXX XXXX. Due to this, my wife and I are unable to get pre-approved for a home loan and we are supposed to close on XXXX XXXX, XXXX. While we appreciate some sort of action was taken to remedy the aforementioned complaint reference number, it was not the correct action. We submitted the substitute trustee deed showing that the CORRECT DATE IS XXXX XXXX, XXXX. PLEASE REFERENCE THIS ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Product: Debt collection

The collection agency below was not updating payments submitted directly to XXXX XXXX and reported the account as unpaid. Account was under payment plan with XXXX XXXX directly. 

SEQUIUM ASSET SOLUTIONS INC XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The report is inaccurate and XXXX  XXXX  has already contact them to resolve the issue and remove the incorrect report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 19 inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX CAP1XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE/XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.
Product: Mortgage

During a VA streamline refinance with Pacific Home Loans, we were told not to make our mortgage payment and I was told to date a document one day before without knowing why. I complained to a manager and manager said it is common practice to tell customers not to make a payment once loan is final approved and going to docs. I was told not to make a payment a month before we received a final approval. We almost missed our payment and would have caused us a 30 day late. Our final loan disclosure did not match the loan disclosure we received at closing and did not see a principal reduction or a check for the amount of XXXX. We were told for over a month that we were in docs but never received a call from a processor until a month and a half later. We were lied to consistently.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pull my credit report under Equifax with my SSN it comes up with another persons name and accounts. I am unable to file a complaint with Equifax because the report confirmation # under my SSN shows a different name so it does not match their file/database. There are several accts with balances that are definitely not mine : XXXX XXXX XXXX XXXX - {$20000.00} - acct ending XXXX XXXX XXXX XXXX XXXX ( XXXX ) - {$180000.00} - acct ending XXXX XXXX - {$8600.00} - acct ending XXXX This is the first action I have taken due to I don't know how to get it disputed. this is only happening on the Equifax acct, the XXXX XXXX and XXXX   do not have this error.
Product: Credit reporting or other personal consumer reports

Experian IGNORED the sole basis of my dispute. My dispute was direct to Experian Credit Reporting Agency and solely for Experian Reporting Agency and I hold Experian responsible for violating my PRIVACY rights because they IGNORED 15 USC 1681b ( a ) ( 2 ) as you deleted only 1 of 4 accounts that was deleted because Experian and solely Experian is in violation of 1681b ( a ) ( 2 ) because I gave them NO INSTRUCTIONS and the LAW is written for Experian a credit reporting agency that under 15 U.S.C. 1681b ( a ) ( 2 ) clearly states a credit reporting agency ( Experian ) can not put any accounts on my credit report without my written instructions. 
Delete these 3 accounts that your office failed to DELETE. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received results regarding your investigation on XX/XX/2024 and do not understand why my dispute based on 15 U.S.C. 1681b ( a ) ( 2 ) your office only deleted 1 of the 4 accounts I disputed under the provisions in 15 U.S.C. 1681b ( a ) ( 2 ) and again I want the 3 accounts that remain on my credit report DELETED as well. 
I will contact a Fair Credit Reporting Act Attorney if I am forced to do so.
Product: Credit card

American Express stated the they have denied the fraud claiming because the credit card was used to purchase a flight under the same name as mine from XXXX XXXX  to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX 

I have photos of my self and GPS location from my phone proving that was not me. 
In the photo it shows the date and my GPS location is in XXXX. 
Also I have letters from delta
Product: Credit card

On XX/XX/2023, I made full payment with a convenience check in the amount of {$3900.00} to my credit card ( Acct # XXXX ) held by Comenity Bank. On XX/XX/2023XXXX XXXX XXXX XXXXXXXX on behalf of Comenity Bank cashed the check ( see attached copies ). As of XX/XX/2023 the funds have not been credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only one showing that I have an open credit card account is the XXXX company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over two years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.
Product: Debt collection

A collection from XXXX, XXXX XXXX was placed on my credit report XX/XX/2013 for the amount of {$320.00}. I disputed the collection because I did not owe a debt or ended the original contract. This collection was a bill from a daycare my daughter attended for preschool. A situation occurred between the teacher and my child 's father, which I was not in a relationship with but shared custody and during his visits he would drop her to school which was required by the custody order that was placed. When I went to the school to pick up my daughter the director XXXX appoarch me for a mandatory meeting. She explained that there was a sitution between my childs teacher and her dad and he threaten the teacher and for the teacher and other staffs safety that I have to take my daughter out of the daycare immediately. The director informed me that she consulted the daycare attorney and that was the best solution they could come up with. The school voided my contract and did not reimburse me for the money for pulling my daughter out of school during the week nor gave me time to find a daycare to transition her. Then the daycare place a collection on my credit and I did not even receive a bill or letter about this debt. I never ended the contract the daycare did and they are responsible for voided my contract without notice.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was unable to login to my XXXX account where I had just purchased XXXX worth of Bitcoin and Litecoin earlier that day. I was quickly prompted with a message that I should contact Coinbase Customer Support. However, I was confused on why I was unable to access my XXXX account because I did not receive an email on why my account had been temporarily disabled. I contacted Coinbase on XX/XX/XXXX and was told the reason why my XXXX account had been disabled is because my XXXX credit card company had reversed an order on my account. However, even though I had that credit card linked to my account, I have never used that credit card to purchase any cryptocurrency on my account. I only used my bank account to purchase cryptocurrency on Coinbase. The customer support representative then went on to tell me that in order to regain access to my XXXX account I will need to pay {$3200.00} dollars. I paid the {$3200.00} with my card and was told I should regain access in 3-5 business days. On XX/XX/XXXX, I logged onto my Coinbase and noticed they had taken XXXX dollars worth of bitcoin from my account after I had initially paid them {$3200.00} they had wanted. I contacted Coinbase that same day and was told they only accept cryptocurrency as a form of repayment after the fact I paid them via credit card as the site allowed me to. After discussing, the situation with customer support they told me I should immediately regain access to my XXXX account and should be able to buy, sell, and send cryptocurrency again since everything was paid off. It is currently XX/XX/XXXX and I have contacted Coinbase and XXXX multiple times and I continue to get the same response : Your ticket will be handled very soon and you should have full access in 4-5 business days. I honestly do not care that I paid twice for a charge that was never made on my account, I just want access to my XXXX worth of coins that currently stuck in XXXX. My ticket number is # XXXX.
Product: Credit card or prepaid card

According to the company ( Chase Bank ) some type of credit checking report was done with it's current customers and at that time they deemed some customers " eligible '' for an increase in interest rate. They stated that I got the best interest rate a credit card company could offer. So, my interest rate went from 12.74 % to % 16.49 %, doesn't sound like a very good deal to me. When I called to discuss a double interest rate charge, I was told that I " qualified for the rate increase '' and only after three separate phone calls I was finally told that the purchases I already had on the account prior to the increase were protected at the original 12.74 % rate and the new purchases were now being charged the new rate of 16.49 % rate. As the new rate was not my issue, I wasn't too happy to hear that i was being billed two different interest rates. However, my concern was that the account was paid off in XXXX, so there was no longer a balance prior to the rate increase ( and purchases made XX/XX/XXXX and after should only be at the new rate not both ) but I still got hit with TWO finance charges!!!!

This is UNFAIR!!!! Their explanation and reason for the charges is totally unacceptable. If there is no balance on the account, HOW DO YOU CALCULATE INTEREST?????
Product: Checking or savings account

We have banked with Bank of America for over 25 years. We are a software company and deposit over $ XXXX a month using BOA 's remote deposit machine. Typically, we will deposit 20 checks for $ XXXX or more at one time. The funds are available the next day. This has been the case as I recall for ALL OF 2023. On Friday XX/XX/XXXX, we made a deposit of about $ XXXX. Almost all of those checks have been put on hold until the XXXX. 

When I talked to the bank, and a manager, XXXX XXXX ID XXXX, his explanation was that they could not verify the funds would be available and that was why there were holds. I asked why ALL prior deposits had no holds, though from the same businesses and his answer was that each check is different. I reminded them that this had happened in the past because of a large deposit and their computers placing automatic holds, which they IMMEDIATELY removed when we called them. This time they refused to do that. 

I confirmed the call was being recorded and told them that I would go to the CFPB and asked if they would reconsider. They said they would not. 

This is clearly an error. It does not take 7 calendar days for checks to clear in 2023. It is statistically impossible for no checks to be put on hold all year and ALL the checks from a single deposit to be put on hold because " BOA had information that these checks may not clear. '' All the checks are from established businesses we have worked with for decades in many cases.
Product: Credit card

I have a CapitalOne Quicksilver credit card. 
I first used it in XX/XX/XXXX. 
The payment due date is the XXXX of the month. 
I usually pay early on the XXXX of the month, see attachments. 

Payments made : XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$200.00} ( I setup auto pay this month ) XXXX XX/XX/XXXX - {$500.00} extra payment XXXX XX/XX/XXXX - {$200.00} ( autopay ) XXXX XX/XX/XXXX - {$200.00} ( turned off auto pay this month ) XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$100.00} ( I made an extra payment to access the payment summary for the screenshot ). 

I was charged a {$40.00} late fee for XXXX and again for XX/XX/XXXX ... for paying early. 
I made 11 payments in 8 months, most of which were before the due date, not one late. 
I can't be the only person this is happening to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested from all three credit bureaus : XXXX, XXXX, and EXPERIAN the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$74.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$110.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$30.00} Original balance {$1500.00} Highest balance {$950.00} Never used a XXXX, still shows i owe {$110.00}
Product: Debt collection

XXXX XXXX My account was overdrawn by $ XXXX. I tried to dispute charges and the M & T bank said it was nothing that could be done. I had a meeting with branch representatives and nothing was done it was sent to debt collectors.
Product: Credit reporting or other personal consumer reports

Ive contacted Capital one dealer I spoke with XXXX who informed me the hard credit check was due to XXXX XXXX XXXX who I didnt authorize to pull my credit report I initiated proof, I also contacted XXXX XXXX XXXX ( XXXX ) spoke with a supervisor by the name of XXXX who stated there isnt much she can do I have to file a dispute and send them a written consent I didnt authorize it. Ive contacted XXXX XXXX XXXX ( XXXX ) whom I didnt authorize to pull my credit I spoke with a representative name XXXX and I also spoke with someone by the name of XXXX who asked for permission to view my credit report to see on her end what is being reported because she couldnt see it with social given, I immediately asked her would this affect my credit she said no its on research mode I gave her the OK ( XXXX ) she stated she couldnt find any account with my social or name on her end who also apologized for this inconvenience. I would like for this to be investigated and for these hard inquiries removed from my credit report XXXX XXXX XXXX ( XXXX ) CAPITAL ONE VIA DEALER ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) these inquiries werent authorized by myself I was told by capital one it was an online submission however anyone could apply for things online when they have your information, and I ask that they be removed immediately. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized hard inquiries on their credit reports : If you find an unauthorized inquiry on your credit report, you can dispute it with the relevant credit reporting agency. You can contact the bureau by mail, phone, or online. You can also contact the company that made the inquiry and ask for proof of authorization. Which I asked for and couldnt either company give me proof it was myself who authorized these hard credit checks on my credit report.
Product: Mortgage

We settled on our current house in XXXX, our then lender academy mortgage was managing the escrow of taxes. Somehow the school taxes for XXXX went unpaid by academy mortgage, XXXX was paid but the XXXX  threatened a sheriff sale in early XXXX. Academy mortgage company paid the taxes, sold the loan to XXXX XXXX and left a {$6000.00} escrow shortage causing our payments to balloon by an extra {$500.00} a month for 12 months.