23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wrote a {$100000.00} check against my HELOC, and the bank unilaterally split into XXXX XXXX {$90000.00} and a {$10000.00} XXXX and charged me XXXX for writing a check. Rather than a single transaction for {$50.00}, they charged me for XXXX transactions of {$50.00} each. I tried to complaint via online chat, and the person said that the loan department said that 's how they do it. I went into a branch to complain, and the person in the branch XXXX XXXX XXXX XXXX called the loan department, who told her that if anyone writes a check over {$90000.00}, they automatically split it into XXXX transactions in order to charge the transaction fee XXXX. 
I have paid off and closed the account ( including paying XXXX {$50.00} fees XXXX, but this behavior is sleazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom acceptance corp continues to report fraudulent information to my credit report. They say I opened a account with them XX/XX/XXXX which is incorrect. They keep changing dates to keep this incorrect info on my report. They also are reporting false payments to keep the account on my credit file. They stated I made a payment to them on XXXX XXXX XXXX. I have NEVER made a payment to this company amd I have NEVRER open an account with them. They refuse to give me any information. They are known for doing this illegal type of practice. They had a lawsuit filed against them in XXXX by the VA Attorney General for the same exact thing but yet they continue to practice these illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some items on my credit report that arent correct, and I would like them removed or deleted asap. XXXX, Equifax, and XXXX are reporting 2 accounts on my file that I dont know about. They arent mine, and are most likely fraudulent accounts. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like a proper investigation done asap on these accounts, and I would like them deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re to XXXX XXXX through XXXX XXXX XXXX XXXX XXXX has been successfully disputed several times on my credit report because it's a fraudulent accounts please remove also XXXX XXXX attached is a police report identifying the loans that's fraudulent.
Product: Debt collection

I have received over four calls per day from Comenity Bank on several dates. I spoke with them today about violations to the FDCPA, which allows seven calls in seven days. They have called more times than this, as evidenced by my phone records, which I am happy to provide. When I spoke with them about the repeated call, the 'supervisor ' told me that there was no such restriction on calls in Wisconsin , only in Maryland and they were allowed to call me as much as they wanted. They were rude and aggressive and in clear violation of the allowable number of phone calls.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$81.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX Balance : {$0.00}
Product: Prepaid card

I can not spend the small amount of {$5.00} left as I have nothing that small and exact I am purchasing and everywhere I go they do not do split payments so asking Amex to cash out
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Experian.com credit boost program. I deleted boost because ALL 3 reporting agencies has the same score ( XXXX ) so I no longer needed to " boost '' my score. On XX/XX/2022, I removed my bank account from experian. Since then, my score has not moved. 
My score is now XXXX with both XXXX and XXXX. It has been 3 months. I have contacted experian via email, and their response is vague, and never addresses my concern. 
I feel bullied into " boosting '' my score, as most lenders use Experian. I should NOT have to apply boost to benefit from my hard work of cleaning my credit. I feel that experian is holding my score hostage. And just keeps saying to apply boost. This should be illegal. 
XXXX XXXX uses Experian in their credit score model. At this time experian shows XXXX, and wells fargo shows XXXX. The experian website- With Boost. Is rigged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that I did not do ; I sent letters and no reply.
Product: Debt collection

Item has been paid and yet creditor is still reporting it it is now impacting my ability to secure a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm attaching a document for incorrect information reported on my credit report. Attached are XXXX supporting documents stating that a payment was scheduled to be made XX/XX/14 out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
Product: Checking or savings account

On Thursday XX/XX/XXXX between XXXXXXXX XXXX  and XXXXXXXX XXXX I received two emails from bluebird which is affiliated with American Express XXXX XXXX Unfortunately since I was under the weather, I did not check email until Monday, XX/XX/XXXX when I contacted them. The number in their emails to me directed me to their fraud department who refused to give me any information and told me that the department that handles it. I would have to write a letter and mail the letter and wait for them to send me an email response. They claim they close my account due to XXXX in their member agreement. I looked up XXXX in their member agreement. In essence XXXX discusses either fraudulent activity or breach or they have the right to close an account if its not being used or if there was an overdraft of about {$37.00} which I had already called them about once since I was trying to figure out how that could happen since its a prepaid card with no overdraft feature. Supposedly they were opening an investigation, and instead they shut down my account. 

I have other accounts with different banks, so all I need from American Express. XXXXXXXX XXXX was my routing number and account number so I could have my Social Security direct deposited into another bank. They REFUSED to give it to me When I called the number in the email, which was the fraud department, and they referred me to having to hand write a letter to their customer service department in XXXX, Georgia. It couldve been resolved today since I was out and about and couldve covered the overdraft. Even though there were several charges I was disputing. I called customer service a couple of weeks ago and they refused to dispute a charge because they said I do business with XXXX so because there was a charge that I did not make on a day I did not order anything they refused to dispute it. 

In any event, I want to keep the account closed. All I want is my routing number and account number so that I can have my Social Security check deposited to a different bank. I no longer want to do business with them. 

Social Security will not let me change the routing number and account number and less I provide the current information so I need the American Express XXXXXXXX XXXX  and or a bluebird prepaid card to provide that information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue revolves around Equifax refusing to remove a disputed account which originated with  XXXX  in   XXXX  . It has been reported by numerous collection agencies in the years since and has always been disputed, every time, and removed from every CRA because the debt was not valid. Suddenly, even though previously removed by Equifax, Equifax now claims that the debt is valid and claims to have " validated '' the debt twice, even though it has been disputed and ruled to be invalid by all three CRA 's for the pas t five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX Balance and Closed Account with PHH Mortgage, as of XX/XX/XX/XX/2021 
On XX/XX/ XXXX XXXX of Obudsman and PHH Mortgage Servicers reported a Negative Remark to XX/XX/XXXX impacting my credit score -54 points. 
I NEVER disputed my XX/XX/XXXX Credit Report during the previous months, so why did XXXX or PHH add Negative Remarks to my XX/XX/XXXXCredit Report?
Product: Vehicle loan or lease

Actually the vehicle loan is for my husband and they called me multiple times as far I know they can call once looking for someone they have called multiple times today. I am also on the XXXX and I double checked why is the bank calling me for a loan my husband had before me I have no interest or liability on this loan.
Product: Credit reporting or other personal consumer reports

Consumer has opened multiple disputes with Experian in attempt to correct wrong information on consumers credit report in regards to settled collection accounts that should be deleted from credit report.

First account is : XXXX XXXX XXXX  current balance is showing {$13.00}, account had been settled Experian still showing as open with {$13.00} past due as of XXXX. Please see provided documentation from XXXXXXXX XXXX  in regards to the said debt, should be marked as paid and XXXX has agreed to remove from consumers credit report. XXXX also publicaly on their website also states they will delete tradeline from credit report. 

Next account : XXXX XXXXXXXX XXXX  This account is also settled, and collection agency per their website : XXXX stated they will delete tradeline from consumers report. This policy is public and posted on their website.
Product: Mortgage

IN XXXX, I became divorced from XXXX XXXX, who holds a mortgage at LOAN CARE. The divorce decree requires that I refinance this property into my name. The property title has been quit claimed and in my name since XXXX. I am now in the process of doing a refinance, and I can not obtain pertaint information to finish my refinance. 
The contact with my ex husband is EXTREMELY limited. I can not get any information from him. I have faxed my documents to them in XXXX in reference to a fire and insurance claim, so they KNOW that I am the owner and have seen these documents. 
I can not speak with anyone there. No one picks the phone. I constantly need my ex husbands information which I do not have. 
I must obtain a 12 month mortgage payment history, mortgage statements, and a payoff. How can I fulfill the divorce decree requests if this lender does not cooperate with me. I have been the paying the mortgage for years. Please help me.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TRANSUNION located in XXXX XXXX XXXX XXXX, PAXXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX  XXXX  XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TRANSUNION has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Close date is reporting as incomplete. 
How can a closed account still have a pas due amount? 
Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate? 
How can a closed account still have a pas due amount?
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX XXXX BOD : XX/XX/1978 SECURITY FREEZE
Product: Checking or savings account

RE : XXXX XXXX Bank of America check account # XXXX Routing number XXXX XX/XX/22 @ XXXX transferred confirmation # XXXX On XX/XX/22, I have my Bank of America account hacked. A hacker has gain access to my information and my identify has been compromised to log into my Bank of America on Tuesday, XX/XX/22 at XXXX XXXX. I have received a email that my account has log-in and personal preference and setting like password has changed immediately and my phone number linked to the account also been removed. A short two minutes of time gone by and all my access to my account has been denied. I noticed an amount of XXXX XXXX XXXX XXXXXXXX XXXXXXXX  was transferred to an unknown individual by the name XXXX XXXX but unsuccessful. A second attempted was made to XXXX XXXX with email XXXX completed transferred of XXXX XXXX XXXX XXXXXXXX XXXX. 

I immediately called Bank of America to suspend all activity and told there will be an investigation and I should receive the fund within 10 business days. Unfortunately, they sent me a letter on XX/XX/22 and I was told that they can not and unable to honor my fraud claim. 

I am writing to address my concern that my banking information has compromised and I immediate suspended my account as the protocol. I am devastated that my funds has been stolen and Bank of America did not do their diligent to fulfilled further investigation. I am asking the XXXX XXXX XXXX XXXX to step to help me with Bank of America to take a deep dive and looked how my funds can not be recoup with name and the emails of individuals. 

I am eager to find a solution and as well as many other people had the same circumstances of identity theft and stolen funds from bank accounts. 

Warmly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I must express my disappointment with your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. Your assumption of the role to determine what qualifies as a material fact is disconcerting, especially since you lack the authority of a judge. I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX and DEPT OF EDXXXX XXXX.
Product: Mortgage

I received a letter regarding Changes to Your Mortgage Interest Rate from XXXX XXXX XXXX XXXX on XX/XX/2023. The letter stated " Under your loan agreement, your index rate is the XXXX XXXX Cost of Savings. '' I received a Notice of Assignment, Sale or Transfer of Servicing letter from XXXX XXXX XXXX XXXX on XX/XX/2023. It stated " the transfer does not affect any term or condition of the mortgage instruments. '' The new servicer is XXXX XXXX. 

I received a welcome letter from the new servicer XXXX XXXX on XX/XX/2023. It stated " The terms of your loan are staying exactly the same. '' I received a letter from the new servicer ( XXXX XXXX ) regarding Changes to Your Interest Rate on XX/XX/2023. It Stated " Under your loan agreement, your index is the ONE MONTH XXXX XXXX XXXX. This is incorrect, the index is the XXXX XXXX XXXX. 

The result of changing my index was the interest rate changed from 7.110 % to 8.874 % and my payment changed from {$3100.00} to {$4000.00}. 

I called XXXX XXXX at on XX/XX/2023. The representative said something like " we are using the industry standard as the index ''. I talked about all of the letters I mentioned earlier in this statement and she did not seem to understand. She said she would pass the information to someone and they would respond within 24-48 hours. They have not responded.
Product: Checking or savings account

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Chase {$4500.00}XXXX XXXX  {$2000.00} and XXXX XXXX {$4000.00}
Product: Checking or savings account

A separate case has been previously been opened and closed ( Case # XXXX ) ; however, this complaint deals with USAA violation of 12 CFR Part 1005, 11 ( d ) ( 1 ). 

While I continue to state that fraudulent activity occurred with my debit card and USAA wrongly denied my claim. I have repeatable requested a copy of all and any documentation used in fraud claim # XXXX. Per 12 CFR Part 1005, 11 ( d ) ( 1 ) " Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form. If an institution relied on magnetic tape, it must convert the applicable data into readable form, for example, by printing it and explaining any codes. '' On XX/XX/2018 in a recorded telephone call with USAA, I explicitly requested a copy of documentation used. I further made a written request to USAA in XXXX, XXXX and XX/XX/2018 for this documentation. As such, USAA has failed to provide this information to me and therefore, USAA has committed a violation of Regulatory Guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of the cyber security issue with Equifax. The companies failure to protect my information is unacceptable and the 1 year of " free '' credit monitoring they are offering as compensation is a slap in the face to everyone affected. This is an issue that will not just go away after a year but rather something that may be a threat that has to be dealt with for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my credit score changed on all 3 credit reporting agencies. On paper it shows with Equifax and XXXX that my credit score went up XXXX FICO points. They refuse to report it online. 2 months ago I sent a research request form to Equifax to change my credit report online. No response. I have requested XXXX to call me back and change my credit score online no response. Right now I only care about XXXX because XXXX  XXXX XXXX only works with them. I am trying to get a mortgage. All three credit reporting agencies should give me more than XXXX FICO points back. I had a XXXX late payment deleted from my record but all credit reporting agencies refuse to give me all of my points back.
Product: Debt collection

I received a first communication dated XX/XX/XXXX with a settlement offer for an alleged debt. Hidden on the back was the required right to dispute within 30 days. I did sent a letter to dispute and request full validation on XX/XX/XXXX. It has been over 30 days and I have not received anything from this unknown company. However, since that letter was sent this company has reported it to the credit bureaus which they should not have done until the validation was received. They reported it approximately XX/XX/XXXX as disputed so they obviously received the request for validation and dispute. Copies of their notice and my reply are included.
Product: Credit card or prepaid card

The account in discussion is Amex Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Amex. When I was well enough to work I did make the payment immediately to bring my account current.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered, I have a fraudulent account that is reported on it, the account in question is XXXXXXXX XXXX with the account number XXXX, this account is fraudulent I have never opened such account in my name. This account is associated with a fraudulent address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Please remove this fraudulent information as its fraudulent and not true.
Product: Debt collection

Credence Debt Collectors has been making harrassing phone calls. They have been calling me non stop for the past XXXX weeks at least 5 times a day.
Product: Debt collection

This is not my account please remove this from my credit report I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent reporting by Equifax was failed to be remove after I documented and send ftc report along with a police report. The credit beraus refused to delete fraudulent reporting