23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last fall we completed our mortgage obligations to Bank of America ( hereafter referred to as BOA ). Prior to submitting our final payment, the XXXX XXXX XXXX Collector of Revenues office sent notice to BOA regarding the outstanding Real Estate Tax payment that was to be paid by BOA as part of our escrow. At no time did I or my wife receive a copy of the tax bill either from BOA or from XXXX XXXX XXXX. This was the case during the entire term of our mortgage arrangement with BOA. We fully believed that BOA paid our 2016 Real Estate Tax bill since we received no indication otherwise. 

We did receive an escrow resolution letter from BOA ( dated XXXX XXXX, 2016 ) that referenced payments in-and-out of our escrow account, but nowhere did this letter highlight the fact that BOA did NOT pay our tax bill. 

We also received a XXXX tax statement that contained no mention of our Real Estate Taxes. It does mention several other areas that showed BOA paid {$0.00} into certain categories, but again Real Estate Taxes are significantly absent from this document as well. 

The simple facts are that ( a ) BOA had THE ONLY notification of the payment due ( that was sent via email by XXXX XXXX XXXX on XXXX-2016 ; ( b ) BOA had escrow funds in our account ; ( c ) BOA did NOT pay the bill ; and ( d ) BOA did NOT inform us in any clear-cut way that this tax bill had not been paid. Based on the above listed items, we expect BOA to reimburse us for the {$630.00} in delinquent and interest fees that XXXX XXXX XXXX is charging us for not paying our 2016 taxes on time.
Product: Payday loan, title loan, or personal loan

I called to pay off my loan on XX/XX/21. I made a payment of {$600.00}. The amount the representative told me it would take to payoff my loan. I have been receiving calls and emails ever since that I still owe interest. The representative I spoke with NEVER mentioned anything about additional interest. Only that a payment of {$600.00} would payoff the loan. Even the receipt I download from the company 's website says my loan is paid in full. This company is scamming me for more money. I will not pay on a loan that I paid off and their receipt clearly states " paid in full ''. This has turned into a predatory loan/lending company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to dispute a transaction with one of my credit card issues, and Transunion did not provide a means on their website to dispute the transaction rather than disputing the entire account. 

Additionally, when I finally to information on how to do this, it could not be done on their website - I had to give it verbally. And it is unclear whether they changed what I was disputing or not. I got no notification from them clearly outlining my dispute. 

So then I tried to add a 100 word statement to my dispute and was told that this could not be done from their website and rather that I had to jump through a bunch of hoops sending them postal mail correspondence with my statement and copies of 2 forms of ID 's. 

Other credit reporting agencies ( XXXX and XXXX ) also appear to require postal email to dispute a finding- it can not be done on their websites either - but at least they provide some instructions. 

Why is it so hard for a consumer to protect their credit and yet so easy for a bank to fraudulently try to ruin it?
Product: Credit card

Synchrony Bank closed three of my credit accounts with over XXXX in credit limits because I accidentally mistyped my bank account number using autopay, which was corrected in less than a week and payments have been made. I think this is an egregious action for a simple and probably common mistake.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 USC 1681 section 604 A 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 a open end consumer credit plans as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do know who this bank is aes/XXXX, I have never received an bill from them, I have never received a call from them, before you start reporting anything negative on one credit report, they must receive a bill and I have never received a bill from these guys. they are reporting me 60 days late on my credit report, who does this? this has caused my credit score to go down -135. also I was enrolled in school 2018 at ohio XXXX school full time and just graduated XX/XX/2018. when you are enrolled in school full time, loans to my understanding goes into some type of deferrement ...
Product: Credit reporting or other personal consumer reports

Experian is in violation of my FCRA right 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigation of Disputed Information Consumer reporting agency ( CRA ) must reinvestigate disputed information within 30 days ( b ) Notification of Consumer CRA must notify consumer of results of reinvestigation ( c ) Deletion of Inaccurate Information CRA must delete inaccurate information from consumer 's file ( d ) Notification to Consumer of Deletion CRA must notify consumer of deletion ( e ) Statement of Dispute Consumer may add statement to report explaining dispute 15 U.S.C. 1681e ( b ) - Furnisher Responsibilities Furnishers must : - Provide accurate information - Correct and update information - Notify CRA of disputes 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Consumer may sue for damages, including statutory and punitive damages, for willful noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance Consumer may sue for actual damages for negligent noncompliance Remember, these rights aim to protect consumers from inaccurate information on their credit reports. If you suspect inaccuracies, review your report and dispute errors with the CRA and/or furnisher. 

XXXX XXXX XXXX Account XXXX XXXX. ) Balance Is Inaccurate & Should Be Reporting Balance As {$0.00}. 

( attached is account statement showing account was paid to {$0.00} on time! ) 2. ) XXXX Statement For This Account Isnt Available Until XX/XX/year>XXXX  & Payment Isnt Due Until XX/XX/year>, So How Is Experian Reporting A Payment For XXXX?? 

Please Update My Report Immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Mortgage

Company has not offered : ( HAF ) Homeowners Relief Fund/ California Mortgage Relief Program Our mortgage was affected by Covid-19
Product: Credit reporting or other personal consumer reports

i contacted experian and them to verify some inaccurate information on my credit report. They responded and stated they did, however when i checked their were multiple inaccuracies, and invalid information. This is hurting my credit report and negatively impacting me from getting a house, student loans, etc. I would greatly appreciate if this were fix immediately.
Product: Credit card

In early XXXX, XXXX, I attempted to upgrade my Citi Rewards Card to XXXX which offered a better reward. I have had my current CitiCard for twelve ( 12 ) years and have always paid it in full and on time. My credit limit was raised in XXXX - I thought I was considered a good customer. To my surprise my application was rejected. I called CitiCard and ask why I was rejected. I was told the reason was that XXXX ( Credit Reporting ) was reporting that I had no credit or credit score. This, of course, is obviously incorrect since I have been a CitiCard holder since XXXX. XXXX does not show my CitiCard on my Credit Report. There is an obvious breakdown in communication between CitiCards and XXXX. I think it is also absurd for CitiCards to report to XXXX credit history of one of their ( CitiCards ) customers, then ask XXXX to provide the same information back to them ( CitiCards ) before they will issue a credit card. CitiCards should already have the necessary information on a current customer of theirs. 
Attempting to contact XXXX and speak to a live person who is willing to help correct inaccuracies is very, very difficult - in my case, impossible. I have filed a separate complaint against them. As for CitiCards, I have made numerous calls and spoken to numerous representatives. None of them to date have corrected this problem. 
This is more than an irritation. This affects what I pay for home, auto, etc., insurance. In my case I can show financial damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XXXX XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were accounts that were opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account XXXX XXXX XXXX with Experian multiple times and each time have submitted proof that XXXX XXXX XXXX is in violation for their inaccuracies with reporting per the FCRA. Ive submitted documentation showing how they repeatedly reported inaccurate payment history across all three credit bureaus and even so a letter signed by XXXX showing inconsistent and inaccurate information. The letter stated that the account was opened in XX/XX/XXXX but repossessed in XX/XX/XXXX in which this letter came from XXXX XXXX themselves. The account mentioned above has been disputed and everyone XXXX has not marked it as consumer Disputes in the comment section as they are supposed to by law per the FCRA whenever an account is disputed which is a violation. Experian continuously keeps allowing this wrong reporting even when provided with evidence of of such violations and inaccuracies. Across all three credit bureaus XXXX XXXX has not marked any of them as disputed and steadily be in violation. This type of reporting has caused great harm to my credit report and even so denied me a job with the police department which I will attach all evidence to this claim. I plan on taking affirmative action and to court to claim money for damages which is {$1000.00} per violation of such reporting continues
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries damaging credit score XXXX XXXX XXXX, inquiry date : XX/XX/2023 XXXX XXXX XXXX, inquiry date : XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX, XXXX, inquiry date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Hello, I applied for a potential loan mortgage through my bank to see what options I had. In order to do this they had to run a credit check. After the credit check I found out Trans Union Llc shared my information with third parties without my consent or providing me any type of opt out notice. This was not my banks fault but Trans Union not adhering to compliance regulations. I have submitted a complaint to the XXXX  which got me on the opt out list but it is too late. I have been receiving upwards of 60 phone calls a day from multiple lenders along with unsolicited text messages as well. If my research is correct Trans Union is in violation of CAN SPAM regulations. These unsolicited calls and text have caused distractions from my business and personal life. I want to see Trans Union held liable for these violations of compliance and regulations. With Trans Union being a credit reporting agency they should even be held to a higher standard and not share consumers information with any third party without proper consent from the business in which the consumer is using.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, Experian and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day I currently have XXXX credit inquiries from XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ). My credit report states this is inquiry Associated with XXXX is suppose to be removed on XX/XX/XXXX and it's now XX/XX/XXXX. I'm requesting that this inquiry dated XX/XX/XXXX be removed from my credit report, along with the one dated XX/XX/XXXX because this inquiry is associated with the XX/XX/XXXX to see if my credit is in good standing. I tried calling Equifax myself and the representative stated I had to wait for system to remove. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with USCB AMERICA a few weeks ago and they claim that I owe them money since 2017. They can not provide me with original receipts nor correct info. This creditor never appeared in my credit report before and now its showing.
Product: Debt collection

ISPC, Independent Savings Plan Co has violated numerous federally protected consumer rights under the FDCPA 15 USC 1692 in an attempt to collect an alleged debt of {$7400.00}. 15 USC 1692b ( 2 ). Pursuant to 15 USC 1692c ( C ). On XX/XX/XXXX a certified letter was delivered to ISPC, it notified ISPC in writing with a notarized sworn affidavit of truth stating facts and citing each violation line by line. I sent a cease and desist demanding that they cease all forms of communication with me through any and all mediums and that I refuse to pay this alleged debt. ISPC Compliance Manager has used obscene and language and has threatened me the consumer through harmful and unfair practice. ISPC has been reporting to consumer credit reporting agencies without my written consent and I never was provided a disclosure on if I wanted that to take place. 
I never gave ISPC permission or authorized ISPC to send me a bill. I am a natural person. Pursuant to 15 USC 1602g I am the original creditor and I extend credit to any financial institution.Please see the attached.

In response to ISPC I sent another response which was delivered on XX/XX/2020 as ISPC is continuously violating me under the FDCPA and Truth in Lending. Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the credit bureaus and XXXX XXXX to update the months of XXXX, XXXX, XXXX and XX/XX/2015 to ok/current on my 23 closed student loan accounts. I have documentation showing there were 0 days delinquent on all 23 closed accounts but they are all reporting 4 months late making there be 92 delinquent marks on my credit reports. This is causing my credit scores to be significantly lower than they should be causing a barrier for me financially while I am trying to purchase a home for my XXXX XXXX son and I. I have consolidated all the accounts at the XX/XX/2015 and have maintained them as current and kept communication with the company. Please grant my request and adjust the late payment status to ok/current for the months XXXX, XXXX, XXXX and XX/XX/2015 on all the credit bureaus. Thank you
Product: Checking or savings account

On XX/XX/XXXX a deposit of {$2700.00} was made into my checking account. I did not make the deposit, neither did my husband, who also shares this account. The same evening I called to report the deposit and spoke to a Chase rep who put me on hold at first and later said the money was meant for my account. I took no further action believing the bank would discover its error and correct it. The deposit slip was from some immigration company and the deposit was for an insurance company. The deposit image is no longer available for me to copy and submit. On XX/XX/XXXX upon logging into my bank acct I noticed a XXXX balance in my checking acct and a balance of {$230.00} in my savings acct. I spoke to three people in three different departments and I was told the {$2700.00} was deposited in error and debited from my checking acct, however the amount of {$2200.00} was transferred to my checking acct for overdraft protection. I was told the money is " on hold '' until XX/XX/XXXX. As of present I am missing {$520.00} from my checking account and {$2200.00} from my savings acct. My desired outcome is to have this money restored back to my acct immediately not in the near distant future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bought a watch and paid it off in installments. Apparently XXXX the creditor claims that they do not require a hard credit inquiry to qualify for their option to pay in payments. This is on my credit report and my credit score has dropped 6 points. This is unacceptable. The watch was for XXXX dollars. Experian lowered my credit score because of this recent purchase.
Product: Credit reporting or other personal consumer reports

My credit scores were significantly decreased recently without any proven unpaid or late balance. XXXX XXXX XXXXXXXX secure card paid and never late, the account was illegally closed, missing information on historical records. Im taking this complaint to a higher authority if scores not increased and fixed, needs to be investigated on all three bureaus agencies. Im trying really hard to fix my credit scores and report because Im applying for a home loan. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 major credit bureaus have been furnishing incorrect information on my credit profile. the following accounts have been added to my credit profile unlawfully as they do not belong to my name.MY NAME IS XXXX XXXX, SOMEONE ELSE WITH SIMILAR NAME OR FRAUD INTENTIONS HAVE OPENED UP SOME ACCOUNTS THAT DO NOT BELONG TO ME OR HAVE NOT BEEN CONSENTED BY ME LEGALLY.I have filed a police report and obtained a copy of it, i have other supporting documents to support my claim that this is fraud conducted by all 3 major credit bureaus, XXXX, XXXX XXXX AND EXPERIAN ; XXXX  XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) OPENED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$760.00} ) OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX , ACCOUNT XXXX XXXX ( {$440.00} ) OPENED ON XX/XX/XXXX 4.XXXX  XXXX XXXX ACCOUNT # XXXX XXXX {$780.00} ) XXXX. XXXXXXXX XXXX  ACCOUNTS # : XXXX ( {$110.00} ), ACCOUNT # XXXX ( {$67.00} ), ACCOUNT # XXXX ( {$840.00} ) 6.XXXX XXXX XXXX, ACCOUNT XXXX XXXX ( {$610.00} ) XXXX XXXX ACCOUNT # XXXX ( {$780.00} ) ACCOUNT OPENED ON XX/XX/XXXX. 

7. XXXX XXXX ACCOUNT XXXX XXXX ( {$780.00} ) OPENED ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

Receivable Recovery {$220.00} for all debts I had on my credit report on XXXX/XXXX/2015 by Debit Card to XXXX XXXX XXXX XXXX