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

My sister passed away in XXXX 2015 and I have been attempting to resolve closing her bank accounts with Bank of America since XX/XX/XXXX without resolution. The bank is requesting an Affidavit of small claims which apparently comes in a multitude of forms, all of which have not been acceptable to BOA and I continue to receive letters stating I have notarized the wrong form, having missing information etc. I think the BOA should declare on the Estate Unit site that it is unlikely the customer will be able to close accounts of their loved ones secondary to the complexity of the form or the inability to file the appropriate affidavit to receive the funds from the accounts without the assistance of an attorney. I will be obtaining the services of an attorney at this point in time to close my sister 's accounts.
Product: Checking or savings account

Wells Fargo continues to assess these NSF Fees without sending alerts to the negative balance and also continue to allow a merchant to withdraw funds from my account after I have requested to have it stopped.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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: Credit reporting

XXXX XXXX XXXX XXXX without my permission, accessed my credit information for the purpose of providing me with a Automobile insurance quote which resulted in an increase in my insurance premiums by several hundreds of dollars. 
As a current insurance policy holder XXXX XXXX has never used Credit information. It is the result of relocating from XXXX to XXXX that has prompted this action. For XXXX XXXX to access illegally access my credit information and base my rate on such information is wrong. I have a perfect driving record and that is what a rate should be predicated on. I wish to seek compensation from XXXX XXXX for their actions.
Product: Credit reporting or other personal consumer reports

These account that are here attach to my ftc report does not belong to me if you could please remove thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX Account numbeXXXX XXXX XXXX -- There was never a dispute. Please remove comments. 

XXXX XXXX XXXX XXXX- Account paid- please remove comments. no disputes XXXX XXXX XXXX please remove comments ( never disputed anything ) ( XXXX entries -- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - paid/closed -- please remove negative remarks XXXX XXXX XXXX XXXX Please remove comments- XXXX. XXXX XXXX XXXX XXXX - chargeoff removed by Creditor -- sent to all XXXX bureaus. Will submit proof. 

XXXX XXXX XXXX XXXX -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only XXXX XXXX month and at the time, I had XXXX XXXX XXXX  mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

A validation was sent out about the alleged account. Plus the company was reporting to all three credit bureaus wrong I found 6 items that were not reporting the same. The letter that was sent out from the company was not validation. Based on USC code the company did not furnish any creditable information. Company has caused damages where I was denied a home loan. Since there is in fact punitive damages Capital One is held under 15 USC 1681n.
Product: Mortgage

THIS IS NOT A DUPLICATE >> DO NOT CLOSE AS A DUPLICATE as you have to provide the supporting calculation requested! It is a LOANCARE ERROR that they closed the prior CFPB complaint as a duplicate when it was NOT a duplicate. 

LOANCARE responded to the CFPB on XX/XX/2021 stating this " The second lien has no interest and will be forgiven if you comply with the terms in the note. The two balances are combined on your billing statement but you are only paying interest on the first lien '' -- -n HOWEVER, LOANCARE provided no supporting calculations to support their statement. Please provide the supporting calculation that shows you are only charging interest in the Note XXXX and not the 2nd lien Note 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in 30 days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 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. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXX XXXX XXXX  - {$490.00} Account Number : XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXL - XX/XX/XXXX XXXX
Product: Mortgage

We entered a COVID related forebearance beginning XX/XX/XXXX. There had never been a late payment prior to the COVID related forebearance. We sold the house and paid off the loan in XXXX, XXXX. Following that date, my credit report now shows a serious delinquency related to missed payments on this loan. 
I was told a forebearance would not negatively impact credit as long as there had been no late payments prior to starting.
Product: Credit reporting

I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my TransUnion credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a XXXX listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have late payments showing on my credit report with XXXX  ( now known as XXXX XXXX ) from XXXX, XXXX, and XX/XX/2022. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 reporting

Equifax continues to report a Chapter XXXX bankruptcy that was filed XX/XX/XXXX on my credit report. This is in violation of their stated guidelines reported here XXXX XX/XX/XXXXWhich states : Public RecordsJudgments remain on file for seven years from the date filed, whether satisfied ( paid ) or notPaid or released tax liens remain on file for seven years from the date released or 10 years from the date filedUnpaid or unreleased tax liens remain 10 years from the file dateBankruptcy - Chapters XXXX, XXXX, and non-discharged or dismissed chapters XXXX and XXXX remain on file for 10 years from the date filed - Discharged chapters XXXX and XXXX remain on file for seven years from the date filedNew York State Residents Only ( must be current resident ) Satisfied judgments remain five years from the date filedPaid collections remain five years from the date of last activityAll other purge rules as noted above apply
Product: Checking or savings account

Chime took money out of my account twice. Then retaliate when I complained. The dispute department lied in documents.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act gives the right to dispute inaccurate inquiries and have them removed from my credit report. ( XXXX. ) XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX. ) XXXX XXXX XX/XX/XXXX. ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX. ) XXXX XXXX XX/XX/XXXX. ( XXXX. ) XXXX XXXX XXXX XXXX XXXX. ( XXXX. ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent over information to Transunion several times to verify some invalid accounts that are reporting to my reports and they are still reporting this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy XXXX. XXXX Bankruptcy XXXX. XXXX If XXXX can't locate it on my file. It means that this a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 

Please don't close this complain saying ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) because I need these Bankruptcy removed in my Credit Report because they are hurting my credit score so bad.
Product: Debt collection

Hi, I contacted National Credit Management in regards to my debt on my credit report. I havent heard or seen anything so I was in total shock. I wanted to resolve this as soon as possible. I called NCM tonight at XXXX PM and spoke with XXXX. She couldnt hear me, as I explain my concerns when she answered. So she hung up. I then called back and she answered. She disclosed debt information prior to verifying any information. She stated the mini Miranda but only this is an attempt to collect a debt Being a previous debt collector I know as a third party collector they have to say this is an attempt to collect a debt and any information obtained with be used for that purpose, this communication is from a debt collector. She did not state that at all. I want this completely removed from my credit and waived. She violated FDCPA.
Product: Mortgage

My payment was lost and in addition to countless late fees, my credit reflects a 30 day late payment, when in fact, they had the payment but it was sitting in suspense on my account. It took 3 weeks for Penny Mac to correctly apply my payment and now they refuse to remove the hit on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX Also In accordance with the Fair Credit Reporting act XXXXXXXX Account ( Experian/Transunion/Equifax ) has violated my rights . 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a loan with XXXX ( XXXX no. XXXX ) in the amount of {$370.00} to cover dental work at XXXX XXXX. The down payment was {$370.00}. However, a second loan was erroneously opened on XX/XX/XXXX, for the same services, requiring a down payment of {$130.00}, which XXXX XXXX had erroneously opened for the same services. This was during my XXXX ever visit to XXXX XXXX at which time I expected to start my first dental visit, rather than be led to her office, instead. When I brought it to her attention at that moment, she never made any attempt to explain that she had already successfully debited the {$130.00} for this erroneous agreement. She simply brushed me off, saying she'd take care of it. 

Nearing the end of paying-off my original loan with XXXX, it was during my inquiring with XXXX, XXXX agent with XXXX that XXXX was informed why I was seeing XXXX, rather than one Agreement inside my XXXX  dashboard. Before that time, it had never occurred to me to look for more than XXXX agreement. The additional XXXX XXXX showed as closed. However, XXXX only credited my bank account {$43.00} of the {$130.00} debited erroneously. XXXX advised me to reach-out to XXXX XXXX XXXX XXXX the balance of {$89.00} withheld of the {$130.00}. I did, immediately, and as always, XXXX would never return any of my calls, as I had requested. XXXX, a familiar-sounding voice, once again was whom I had asked to relate my message to XXXX for XXXX return call. I even stated that I wanted to receive a refund due me from being over-charged. 

The original loan account no. XXXX was reported to the credit bureau as having XXXX ( XXXX ) late payments beginning XXXX, XXXX of XXXX to XX/XX/XXXX, resulting in 60 days late. It was because I was trying to get clarity of the " actual loan amount '' due, now for almost two-years, because I wanted to verify, not only with XXXX, but also get verification from XXXX before XXXX payment on my loan in-full. I was seeking not only clarification, but financial restitution, as it related to the erroneous agreement and outstanding debit that XXXX owed to me. I did not trust XXXX XXXX. However, I went forth and paid {$150.00} in XXXX, and {$440.00} in XX/XX/XXXX to settle the XXXX no. XXXX with XXXX. 

In addition, yesterday, XX/XX/XXXX, since my recently updated credit report with Transunion for the first-time I recognized there are XXXX, rather than XXXX XXXX  accounts reported to Transunion, XXXX, there is a discrepancy with each loan amount reported to Transunion, and I am very suspicious to say the least that it doesn't make sense to me why that is. 

Thank you for your time and assistance, in reading my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I had filed a dispute of an account with XXXX XXXX/XXXX XXXX. They did not correct the error that they had been reporting. They had been reporting the wrong year from when the account was closed in. The XXXX XXXX account was closed in XXXX yet they still have been reporting it as XXXX. They haven't corrected any of the errors. They had just done an update to the status of the account and in them doing so has lowered my credit score by 65 points. This account has been paid in-full 30 months ago. So by XXXX XXXX updating the status that they had reported to the credit agencies it lowered my credit score by a pretty high number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish an account with out my written instruction.
Product: Mortgage

U.S Bankcorp put us on a forbearance program when we struggled during the XXXX pandemic. We were notified that the forbearance was coming to an end and were offered a deferment option or a Streamline modification to our loan with an interest rate of 2.8 % in XX/XX/2021. The bank representative XXXX, informed me that this rate and program will still be available at a later date if I would like to take the final forbearance extension for another 3 months. I contacted U.S Bankcorp in XXXX of 2021 to request an end to the forbearance and was provided a Request for Mortgage Assistance application. I also was requested numerous documentation, employment letters, bank statements, letters of explanation, tax transcripts & tax returns. I was also requested to create paystubs on word for self employment that were consistent with the direct deposits from my business banking. After 8 weeks of providing documentation. I received a letter from U.S Bank my modification was denied and the only option being offered is a short sale of my property. The reason for denial stated my current housing ratio was below 31 %. I contacted U.S. Bankcorp and informed them they had made a calculation error as my current housing ratio is above 75 %. I also informed them that I was offered options just a few months prior. After further review the bank representative said that they had a computer glitch and a new modification application will be sent out to us to complete. Upon logging into the bank website the status has not changed.
Product: Credit reporting or other personal consumer reports

There was a data breach and my information leaked was and. used.
Product: Payday loan, title loan, personal loan, or advance loan

I noticed an unauthorized payment of {$120.00} was made at XXXX this morning from Money Lion when I was assured by a XXXX XXXXXXXX that the autopay feature was turned off. I went to complain to someone else in customer service and was told nothing could be done.
Product: Debt collection

US bank credit card has been trying to collect {$100.00} debt on a fraudulent transaction that I disputed 5 months ago. As a result of the fraud, I closed my account in XXXX 2017 and paid off the balance, now 5 months later, US bank suddenly said I owe them {$100.00} after closing my account on a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made by XXXX XXXX that I have no recollection of authorizing. 

The following are the dates and inquiries in question : XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX I demand that these unauthorized inquiries be removed from my credit report immediately. I have no affiliation or business dealings with XXXX XXXX, and I have no knowledge of any credit applications made through them. 

Furthermore, I noticed that there are two inaccurate accounts listed on my credit report, one with XXXX XXXX XXXX and the other with XXXX XXXX XXXX I was surprised to see that you were able to verify these accounts even though other bureaus have removed them due to their inaccuracy. 

The following are the account details in question : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I demand that these inaccurate accounts be deleted immediately from my credit report. 

I urge you to investigate these disputes as soon as possible and make the necessary corrections. Please inform me of the progress and outcome of your investigation. 

Sincerely, XXXX XXXX
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 under confidentiality under 15 USC 1681 XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX XXXX # XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 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