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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX Opened XXXX XXXXBalance Owed : {$830.00} Chargeoff- XXXX XXXX XXXXDate Opened : XXXXBalance Owed : {$1100.00} Chargeoff- XXXX  Date of inquiry XX/XX/year>
Product: Debt collection

AFNI is trying to c ollect a bill from  XXXX   XXXX   XXXX  in the amount of {$440.00} which is incorrect. My assigned acct # wit h AFNI  is  XXXX .  XXXX   XXXX   XXXX  continued to bill me after my request for the service to be cancelled. Then sent this erroneous amount to a collector. THIS IS WRONG!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX   XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Product: Mortgage

On XX/XX/2021, I called my mortgage company and talked to XXXX ( employee # XXXX ) in the mortgage department who transferred me to XXXX XXXX employee # XXXX ) in the tax department at US Bank. I shared with both of them how I received a mortgage bill for {$3300.00} when my mortgage is supposed to be {$3100.00}. I asked them to explain to me why my fixed mortgage had increased and was told that my property tax was adjusted and there was not enough money in my escrow to cover it so they added it to my bill. I shared that I specifically called the tax department on XX/XX/2021 and talked to an agent ( on a recorded call ) that told me that not only was my XXXX tax bill paid but that I had {$990.00} left over in my escrow account. So, to now receive an increased bill is not only shocking but it is in opposition to what they told me was in my account. I asked to speak to a manager and have them pull the record- and both XXXX and XXXX confirmed that they see in the notes that an agent told me this information but this was in error. I shared that this is unacceptable. I should be able to trust my mortgage company has properly calculated my mortgage and taxes and when I call them to inquire on this information ( because they had not sent me any documentation that my escrow account was depleted ), they should have accurately reported the balance. This comes across as predatory to just increase my mortgage and the only explanation is that the agent was wrong.
Product: Credit card or prepaid card

Three months ago, I responded to a promotion for an American Express XXXX XXXX XXXX card that promised XXXX miles. I was instantly approved, charged and paid for the required amount for services and merchandises and paid the {$250.00} fee. When the promised miles did not appear on my statement after three months I called and was informed that I had not qualified from he promotion miles. American Express/XXXX  never informed me of this and I kept charging and paying for services and merchandise that I could have put on another card. I was also informed that I was ineligible to receive a refund of the {$250.00} fee. The person I spoke with at American Express is XXXX, his employee I.D . number is # XXXX ; his supervisor whom he promised would call, and never did is XXXX.
Product: Debt collection

I keep getting calls daily about debts from various companies one main financial and from XXXX XXXX and from XXXXXXXX XXXX and its daily and i just want the calls to stop and so i put a freeze on my credit already and i also went to a credit XXXX to help me
Product: Mortgage

We were not contacted about closing went thru under writing and never closed never got a call back and house was under a contract and mortgage company never gave us a reason why and wouldnt return our calls and now there trying to keep my earnest money really I have a lot more to say about this problem my Realitor said he has never seen anything like this the mortgage company mess up
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Having trouble with my credit score reporting right and I am trying to get it solved, however none of the 3 bureaus ( XXXX, equifax and XXXX ) are willing to help and keep telling me to call the other to get my issue solved.
Product: Mortgage

US Bank Has not sent me a of the year end escrow analysis, which was due XX/XX/XXXX by Law. They did send a notice saying they expect a shortage so send in {$980.00}. Now they 've sent another notice saying they now want XXXX and that I should send it in right away. The provide no escrow analysis, which again was due XX/XX/XXXX They also have not provided me with any accounting showing what my rate would be if I paid the amount and what it would be if I had it added to the monthly. 

By not providing the escrow analysis US Bank which was due XX/XX/XXXX US bank is in violation and is handicapping me with no accounting in which to make informed decisions. This is not very welcome on my behalf and it appears to be totally reckless, disregard to the escrow laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a family emergency and was XXXX XXXX XXXX XXXX ( my mother was diagnosed with XXXX XXXX ). When I returned to the XXXX, I realized the payments were not deducted from my bank account. I contacted XXXX on XX/XX/XXXX, sent XXXX # XXXX {$11000.00} from the wrong checking account by accident, and set up a payment plan of {$280.00} each month. The rep told me the account was in the process of being sent to charge off. I asked her to please get in touch with the department handling this and let them know I was sending a large sum payment ( {$11000.00} ) and set up a payment plan in good faith to please do whatever it takes to stop it. I called them again about XX/XX/XXXX when the check didn't clear my account and asked them to resubmit it because I had transferred the money. I was told the check went through, but I knew it was a LIE since the money was still in the checking account. I sent another check on XX/XX/XXXX, Ck # XXXX, for the same amount ( {$11000.00} ), which was finally applied to my account. 

1. XXXX sent my account to charge off, even though I made a large sump payment that covered the months of missing payments and beyond 2. XXXX  is being paid the amount I owe in GOOD FAITH 3. XXXX has damaged my credit 4. This will be reported as INCOME to the IRS, which I have NOT RECEIVED, as I am paying this loan and keeping up with the monthly payment. I send a little more when I can 5. XXXX has not updated my payments on the account since XX/XX/XXXX and refuses to work with me on removing this charge off XXXX is acting maliciously ; I am doing my best to ensure this account stays current, but their negligence and wrongful reporting to the credit agencies which is harming my credit. XXXX wants to report an illegal loss on their finances with my account being charged off AND getting the loan amount paid off on time! This is double dipping into the tax pod and on their earnings, and they are breaking the law by doing this!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, these companies have violated my rights.

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

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

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

I used their website to pay my bill. It automatically inserted the minimum payment but I needed to pay a few dollars more to bring it back under my limit. I entered the new amount and finished the transaction. When I checked my email a couple hours later there were XXXX transactions, the one I authorized for {$30.00} and the minimum payment of {$25.00} which I did not. I processed the payment at XXXX. When I called at XXXX I was constantly put on hold by the representative who was actually laughing at me. I was never transferred to a supervisor. I was told that because it was after XXXX central time it couldn't be stopped. I am in eastern time. My whole issue is that I didn't authorize XXXX payments. I was told once the XXXX payment posted and bounced on my checking account to call back. I did not authorize XXXX payments. It is unreasonable that they wouldn't correct their program mistake. Most credit cards have a way to stop a pending payment before the end of business that day. Laughing at me makes me wonder how many scam payments they collect.
Product: Student loan

I have submitted certification of my employment history to XXXX XXXX XXXX/Pennsylvania Higher Education Assistance Agency/PHEAA for the purpose of tracking payments to count for XXXX XXXX XXXX XXXX ( PSLF ). The updated certification that I was given was not an accurate count to my total service completed thus far ( count was too low compared the to qualifying payments that have been made ). Also, the count of the last three loans of the account was completely omitted ( not given credit for qualifying payments ). I have called several times and submitted emails requesting an explanation for these incorrect numbers. XXXX XXXX XXXX/PHEAA is unable to provide an explanation at how these numbers were created. They have also not fixed their mistake. 

Of note, this is the second time in 2018 I am experiencing this problem and need third party assistance for correction.
Product: Debt collection

Debt collector is attempting to collect a debt. I sent a debt validation letter via mail with return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Checking or savings account

Since opening my account with PNC Bank I've had many issues, especially after applying for an XXXX XXXX position! The extra ATM Bank fee of {$3.00} is Federally illegal, and they state XXXX didn't input the {$57.00} into my account, but they never released funds on XX/XX/XXXX, or XXXX, an so the bank issued a provisional credit, after I received the credit and spent monies they state provisional credit was removed by bank. I received a letter post marked XX/XX/ stating PNC is withdrawing {$57.00} from my account, on XX/XX/XXXX this was done, and {$7.00} overdraft fees daily on top of {$36.00} overdraft initial fee due to XX/XX/XXXX taking back the {$57.00} due for merchandise I never received! How can this be legal? I called FTC to file complaint and received a letter postmarked XX/XX/, yet I didn't receive this letter till XX/XX/XXXX Seems to me PNC Bank, and FASFA not paying for transcripts, XX/XX/XXXX, and every higher education facility is against XXXX XXXX and using crooked business tactics, social prejudices to hinder our businesses!!! Please investigate, stop PNC from their extra charges including extra ATM Fee out of network use fees, and include me in on any class action lawsuits? Thank you!!! 

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

For the last 3 years I have been dealing with XXXX  and Equifax continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter 7 Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX- {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX- {$0.00} XXXX Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXXXXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )
Product: Debt collection

I recievd a letter stating that I owe more than XXXX XXXX XXXX XXXX XXXX XXXX, yet i have an XXXX from my homestate of PA. I have been overcharged constantly as the XXXX company is given the ability to withdraw money from my account whenever they want. I had tried to settle the situation with a representative and was told that if I paid money the day we were on the phone, the remaining balance would have been fulfilled
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in last complaint transuinion is actively displaying inaccurate information on my XXXX XXXX account and i have tried to solve qoth them but yet they refuse to investigate and or fix. Account has been reaged opened and closed etc and they are refusing to address the issue or correct it please see below photos account was closed 5 years ago not 2022.
Product: Vehicle loan or lease

Exeter Finance charges late fees over {$300.00}, and APR interest rate is 26.67 %. Also due to health conditions and employment, my sibiling called and told them about my financial situation. They sent a notice of repossession to my telephone.
Product: Debt collection

A letter was sent to Midland Credit Management in XXXX 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated XXXX 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives XXXX XXXX, I was transferred to XXXX XXXX XXXX # XXXX in the Consumer Support Services Department not before he told me that there is a limited amount of time that I can dispute the account. I advised him that this is not correct. I requested to speak with someone in management where I was transferred to XXXX XXXX, Employee # XXXX, who stated he was in the escalation department. I advised him of my concerns which he was in no position to assist. I asked him to speak with someone in the United States as all previous people I spoke with were in XXXX. I was transferred to XXXX XXXX, employee # XXXX who after I explained to him the issues and violations he stated I could only request validation 30 days after receiving their initial letter. I advised him that this not the case and against the law as a consumer can request validation at any point. He stated that a supervisor that XXXX XXXX was not available. I disconnected the call.
Product: Credit reporting or other personal consumer reports

I have noticed some inaccurate information on my consumer report and would like it removed immediately. Personal information. Only the name, XXXX XXXX should be present on my consumer report. The XXXX XXXX is inaccurate and should be removed immediately. This is personal information and I do not want it shared, which is my right under the privacy act of 1974.. Inquiry on my consumer report 15 USC 1681 permissible purpose I have not given permission for this company to pull my credit report. Inquiry information : MEJMC/CBNA Important dates Inquiry date XXXX XXXX, XXXX Title 15 accuracy of reports. 
There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$620.00} past due as of XXXX XXXX which is inaccurate because if this is a collection account no payments were made there for no payment were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act Account information : Balance {$620.00} Balance updated XXXX XXXX, XXXX Original balance {$620.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone This account is not mine. Its not accurate and I would like it removed immediately.
Product: Money transfer, virtual currency, or money service

I was involved in a multi-person, multi-business impersonation fraud scheme. The four individuals and three companies involved convinced me to pay for services to get my book published by XXXX XXXX. XXXX XXXX has indicated no affiliation or employment of any of the individuals involved ( this was a very sophisticated scheme ). I have filed with the FTC and FBI. 

BB & T ( now Truist ) was contacted 3 times by phone and once in-person. While the branch manager was extremely helpful, Truist has not moved forward with reversing the transfer between them and Evolve Bank & Trust ( letter sent to me on XX/XX/XXXX ). I am having trouble just getting someone at BB & T/Truist to help with the situation. 

Wire transfers were made on XX/XX/XXXX ( {$15000.00} ) and XXXX ( {$10000.00} ). The case number within Truist is XXXXXXXX. The FTC report number is XXXX. I have a copy of the FBI XXXX complaint referral form and the wire transfers. I have copies, contact information ( of the impersonators ) and documentation of everything.
Product: Consumer Loan

The creditor calls my workplace on several occassions knowing that it would be difficult in my work setting and my employer does not allow phone calls at work. The creditor also sent a letter to me stating that they will notify my employer of the debt in order to get payment in 5 days if i dont set up payment arrangements even after wage assignment had been withdrawn by me.
Product: Credit card

Belk credit card services, Synchrony Bank, has a billing window- after the billing date, and before the payment due date approximately 20 days later- where any payment made will count as your monthly payment. Any payment made outside that window will apply to your account, but will not count as your monthly payment, allowing Synchrony Bank to charge a {$35.00} fee for a missed payment. There is never any notice of this charge, and since it is not actually a late payment ( in excess of 30 days late ), there is no mal reporting to the credit bureaus that would alert a person to the late payment status. 
I have made XXXX payments in the past 12 months totaling {$1000.00} on a revolving credit card with a limit of {$1000.00} that usually has a balance of $ XXXX and I have incurred XXXX late fees of {$35.00} each totaling {$240.00} for payments made outside the payment window. I was never notified of these late payments nor of the fees. I would have never known if I had n't called to see why my balance went up after making a payment. I have had this account for several years and have never known of this sneaky extortion.
Product: Credit card or prepaid card

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by NAVY FEDERAL CREDIT UNION XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by NAVY FEDERAL CREDIT UNION on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by NAVY FEDERAL CREDIT UNION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), NAVY FEDERAL CREDIT UNION is now civilly liable to pay me for the damages. Receiving an inquiry on my XXXX  consumer report is a receipt showing that a consumer credit transaction occurred ( see Exhibit A ).