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

XXXX, XXXX  and transunion are reporting a debt owed to the collection agency XXXX-XXXX  for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX, the original creditor ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to XXXX XXXX  XXXX. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX county courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation. Even the amount they are reporting that I owe is incorrect anyways. However, they filed a non-suit but turned around and still charged me for the same monetary damages they claimed we were settling to drop. This invalid debt that I dont owe should be removed immediately and cease reporting!
Product: Credit card

In XXXX of XXXX  I was offered a promotional balance transfer from Chase Sapphire. I utilized the promotion to transfer {$2500.00} from XXXX XXXX  with a fee of {$120.00}. 
The promotion was advertised by Chase as a interest free balance transfer until XX/XX/2024. However Chase did not fully and clearly explain that full payments on my standard daily purchases for each monthly cycle would not be applied to those purchases. I have paid off my Credit Card balances every month for years on ALL of my Credit Cards. I contacted Chase several times over the past few months because the statements are showing incorrect balances on the promotional rate, with one month showing a XXXX balance ( XX/XX/2024 statement shows XXXX balance ). I have done balance transfers in the past with other banks/CC and paid each monthly balance off and paid off the promotional balances by the end date of the promotion with no interest! 
Chase has been allocating some of my monthly payments towards the pay down of the promotional balance and charging interest on my daily purchases. 
The promotion was misleading and so is the so called " How to avoid paying interest on purchases '' description on page 2 of my monthly statement. The advertisement for the promotion never clearly described how interest was charged. The promotion said in big bold letters balance transfers would be interest free until XX/XX/2024. 
I have received one letter from Chase and the letter did not address my complaint I filed regarding my concern for the inaccurate XXXX XXXXXX/XX/XXXX statement, In fact the letter stated I was being charged XXXX interest? Each of my past monthly statements since XX/XX/2024 show that I have paid the balances in full, But yet I am being charged interest? 
After several phone calls and Chase refusing to reverse the Interest I have canceled the card. Chase will not provide me or have listed how my payments were applied on any of my statements. 
None of my monthly statements clearly define how the balance owed is determined including the promotional transfer. It is total confusion and misleading.
Product: Credit card or prepaid card

Account was closed many years ago. I paid for as long as I could and then due to a family medical emergency we were unable to continue payments. Im 2020 the account was finally charged off and my ex husband and I paid taxes on the charged off amount because it is considered income. Now two years later I received another form from Bank of America that was reported to the government that said once again I had to pay taxes on another charge off of over XXXX. In turn not only did I not receive a tax refund for last year but I myself ( because I am divorced now since XXXX of 2020 ) had to pay the government over XXXX. I am very confused and am unable to get anyone at BOA to help me resolve my issues. I feel as if they have cheated me not once but twice. I also do not understand why none of this shows up on my credit report as well. I am also unable to access my accounts from them, not just this credit card but the mortgage account we had linked to it at that time as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : Credit Rent Boost ( CR RENTBOOST ) ACT # XXXX We are under land contract and the lady that we bought our home from has falsely listed my information under a credit rent reporting program. 
We are not landlord tenant. 
I am under a land contract so this information is being falsely reported as we do not pay " rent '' This lady has already started a forfeiture process and signed us up with this program after the fact to affect our credit.
Product: Money transfer, virtual currency, or money service

I opened a business back in XXXX, right before covid and in XX/XX/XXXX. I tried to buy inventory. I was scammed from the seller online. I always bought inventory from XXXX ever since I opened the business and never had a problem. I called bank of america because I wanted to report it and get my money back. I lost XXXX dollars. They wold n't give it back to me. Neither would XXXX. Not to long after I was scammed, the XXXX  transfer exploit started to happen. I gave bank of america the ip addresses, names, and websites these scammers came from but they did nothing to stop them. They did not press charges or call the cops. I filled out an ic3 police report and called the local police. No one has helped me. These scams are coming from XXXX XXXX XXXX There scamming everyone because of cryptocurrecy mining.
Product: Credit reporting or other personal consumer reports

I have disputed so many items that are on my credit report. Items that I requested to be removed. Old accounts or account I paid and closed. But all three company 's refuse to remove them I have put so many disputes and no nothing they don't correct anything or fix it. What else can I do
Product: Mortgage

XXXX of XXXX I put the house on the market with a real estate agent in the attempt to do a short sale, since my husband died some years ago I have had a hard time with the up keep as well as paying the mortgage. I filled out the loss mitigation package and sent it to my mortgage company. I received and offer of {$120000.00} that was rejected by my mortgage company the buyer and the mortgage company went back and forth with negotiations up to {$140000.00} which broke the deal for any additional amount over and above that from the buyer. Other offers came in during this time {$120000.00} - $ XXXXthen showings stopped and/or were canceled due to the condition of the property. XX/XX/XXXX another offer came in starting at {$150000.00} rejected by the bank, when I spoke to the mortgage company 's negotiator XXXX XXXX he stated that they had not even shown it to the investor. I was furious because of the delay of them responding to me and the BPO expiring and each time having to wait for an evaluation I felt as if they just wanted to foreclose on me. the final offer submitted was {$170000.00} and the appraisal value that the bank has is {$190000.00}. I need your assistance in evaluating on the end of the mortgage company if I have been treated fairly. They initially did not even have the accurate information to give me for this process the delay has been so long and I am becoming more and more fearful of foreclosure and the judgement associated with this. I have not received any letters to confirm that they have rejected the offers and have asked for a supervisor call that hasn't happened to date.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accurate : XXXX : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Equifax : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

after a XXXX XXXX northern dist. Illinois over 20 years ago credit score will not go higher than XXXX and stays in the low XXXX 's XXXX XXXX XXXX XXXX  PAID OVER {$40000.00} OF OVERDUE BILLS XXXX XXXX SCORE NEVER WENT OVER XXXX why in America to a American
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX Account # : Unavailable I looked at my transition credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX  ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 card or prepaid card

XX/XX/XXXXI contacted Citi Bank, due to not being able to make a payment of {$380.00} which was due XX/XX/XXXX. I reached out to them to see if they could offer assistance to me, due to being laid off/Covid related market conditions XX/XX/XXXX. I asked them for possible forbearance for 3 months to assist until I got back to work. I am not receiving unemployment either at this time. I was laid off XX/XX/XXXX. I actually made a payment to Citi Bank XX/XX/XXXX of {$2500.00}, I was attempting to pay off Debt and was unexpectedly laid for a week after that large payment. I asked Citi BankXX/XX/XXXXto take into consideration the large payment I just made XX/XX/XXXX, which if I would not have made, I would be able to make 4-5 months of payments without issue. Citi Bank told me there was nothing they could do to assist me at this time and if I could not make a payment, It would reflect on my credit report, also interest and late fees would continue to grow. All I asked for was a few months of forbearance assistance.
Product: Debt collection

I received calls two days in a row from XXXX, claiming that I owed $ XXXX for two unnamed items. I waited for an operator to come on line. I then explained that I had no such bill. She apologized and said they would remove my name. Identical recorded message both days. Both days I threatened to contact authorities. She hung up.
Product: Debt collection

On XX/XX/2019 XXXX XXXX contacted my employer. There was someone who said they were " investigator XXXX '' and if I didn't contact them immediately I would be arrested. They called my employer several times throughout the day leaving harassing messages. I called them asking them to stop calling my employer. They refused. They contacted my employer on XX/XX/XXXX and XX/XX/XXXX. They then contacted my landlord and told him I would be arrested.
Product: Mortgage

My XX/XX/XXXX payment was made early ( I have copy of cleared check ) yet it was reported to XXXX as delinquent
Product: Debt collection

Started calling me a few weeks ago. I told them we are in a lawsuit against each other and that they need to contact my attorney. The first time I actually answered they said to have my attorney contact them, which I asked the attorney office to do. The second time I actually answered, I told them we are in a lawsuit and they need to speak to my attorney and they said thats not how it works, which is untrue so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove 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****
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts I disputed and I received notification, after the required wait time, these account had been removed from my report : XX/XX/XXXX The XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX However, I go in and check my credit report and guess what, there these 2 accounts are is back on my report.
Product: Mortgage

I originally submitted a request online via BSI Financial Services 's website for a COVID forbearance plan on XX/XX/2022 ( Email confirmation received that request was successfully submitted on XX/XX/2022 at XXXX XXXX  XXXX ). The email confirmation states that I will be contacted within 7-10 days to discuss the submission, however I wasn't contacted. I called multiple times to get a status on the request, have left message for XXXX XXXX ( My assigned account specialist ) and XXXX ( My assigned account specialist 's " Supervisor '' ), however I never heard anything back. I check the status of the request online daily, and noticed the request was gone and nothing was sent to me regarding an approval or denial. I submitted the request again on XX/XX/2022 ( Confirmation email states successfully submitted on XX/XX/2022 at XXXX XXXX  ). I called yesterday, XX/XX/2022 to request a supervisor in the Loss Mitigation Department, and was transferred to a random voice mail. This happened three additional times. I can not get a hold of anyone, and can not get the assistance or even an answer on the forbearance request because no one will call me back or speak to me directly. I get the automated dialer collection calls, but that is it. They sent me pre-foreclosure paperwork stating I have to have my balance paid in full including the advance on my escrow by XX/XX/2022. I'm not sure how they are able to take these measures without returning my calls or working with their customers like they claim to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. ED FINANCIAL/ESA XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$1400.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2200.00} ; XXXX DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As I was getting ready to apply for a car loan with my bank, I glanced over my credit report to observe my consumer report ; I noticed a lot of unauthorized, inaccurate accounts that were reporting to my name. I am terrified that someone out there has my information and has been using it. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am unable to get a good rate on my car loan due to the misinformation reporting to my name. I am terrified that an anonymous individual has been misusing my personal information for mischievous actions. Please help I am completely stressing out due to the fact all this information hindering me from obtaining a reasonable car loan and future home loan that I have been working hard and saving towards.
Product: Mortgage

Yesterday after contacting NFCU to get information on thier Home Equity Loans and Home Refinance options. I later applied for a Home equity Loan. 1 for a high amount and 1 for a lower amount. Both applications were denied before I was able to add any financial information such as income and assets or debt to income information. Also both were denied without a credit check according to thr NFCU app - the app I used to apply. Since the applications were denied without any information submitted by me besides my demographics I beleive my applications were denied for discrimination such as race, age, gender, religion- although the prompt from NFCU read that they made a decision based on credit file information- which is misleading or false advertising because it was a " No credit check '' application. 

Is there recourse for me to take action?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late in these accounts so I'm confuse on why this is reporting on my credit report.
Product: Mortgage

An insurance claim for roof damage was submitted on lender based insurance, after a storm, in XXXX.The mortgage was sold out to Shellpoint before the claim was completed. The mortgage was delinquent at that time due to my mothers illness. My mother passed away after the mortgage buy out. I did not have knowledge that the claim would continue after my mothers passing. Shellpoint agreed to let me ( her daughter ) assume the loan. In XX/XX/XXXX, Shellpoint contacted me for the first time about this insurance claim from XXXX. I supplied all the required documents and began to feel that I was being given the run around. Shellpoint would claim they received some documents but not others even though they were sent in the same email or the roofers insurance had expired, etc. The roofing company also contacted Shellpoint after Shellpoint continued to say the paperwork from the company was not correct. I was told, by Shellpoint, to contact three different insurance agencies ( XXXX XXXX, XXXX, and XXXX XXXX XXXX ) for information on the claim even though Shellpoint had access to this information the whole time. After speaking with XXXX XXXX XXXX on XXXX XXXX, I learned Shellpoint had received about half the claim amount ( {$2000.00} ) at the time of the mortgage buy out and the remainder was available as recoverable depreciation that required action on the claim in a certain amount of time. After contacting Shellpoint, regarding this information from XXXX XXXX, I was told the funds had been placed in a restricted escrow account from the time of the mortgage buy out and I had lost any capacity to recover the depreciation.I believe the only reason Shellpoint ever informed me of the claim funds was because of the loan assumption. XXXX released the first insurance payment of XXXX dollars on XXXX, XXXX. The next disbursement would be when 50 percent of roof was complete. I informed Shellpoint no one can start a roof repair through a roofing company with only XXXX dollars. I asked that all the funds be released. Shellpoint said this was not an option because the loan was delinquent at the time of Insurance claim 5 years ago so Shellpoint had to allocate funds in this manner to assure the funds were used to improve the property. So Shellpoint doesnt trust me with the lump sum of XXXX XXXX dollars of claim funds but they agreed to let me assume the much larger mortgage note. I have received annual escrow reports over the years and never to my knowledge were the claim funds represented on any report. I believe Shellpoint thought the property would be foreclosed on and Shellpoint intended to keep the insurance claim funds. Due to this extended situation, the home has continued to suffer related damage. Had Shellpoint been transparent and communicated with me the roof could have been repaired years ago. I have contacted Shellpoint on numerous occasions including but not limited to the following dates : XX/XX/XXXX & XXXX, XXXX XXXX, XX/XX/XXXX & XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX was the Shellpoint insurance contact.