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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries on my credit report. I have provided the details for each inquiry below. These inquiries were not authorized by me, and I am requesting their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Personal Loan Companies - Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize any personal loan with XXXX  on the above date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize a credit card with XXXX Card on the above date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Scheduled Removal Date : XX/XX/XXXX - Business Type : Credit Bureaus - Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit inquiry with XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit card with XXXX XXXX XXXX on this date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Mortgage Reporters- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not authorize any mortgage-related inquiries with XXXX XXXX XXXX .

These inquiries have had a negative impact on my credit
score. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed if found to be unauthorized. 

Please notify me in writing of the results of your investigation and the actions taken. I have enclosed a copy of my credit report, along with proof of identity for your verification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Citi is not applying my payments to my highest interest rate balance, resulting in an unending cycle of illegal interest charges. 
I opened a Citi Double Cash card to take advantage of a no interest balance transfer offer on XX/XX/2024. Between then and XX/XX/XXXX, I made {$4800.00} in purchases. 
Throughout that time period, I made 17 payments totaling {$5000.00}. This includes three minimum payments, which under Citi 's terms includes the total amount of interest due each cycle as well as portions that will be applied to the balance transfer and standard purchase balance. The minimum payments for this period totaled {$390.00}. 
As such, at least {$4600.00} should have been used to pay down the standard purchase balance, which has an interest rate of 23.24 percent. It should not have been used to pay down the balance transfer. 
The balance transfer of {$10000.00} was made XX/XX/XXXX and came with a {$300.00} fee on XX/XX/XXXX. 
For the statement ending XX/XX/XXXX, Citi reports that the remaining balance transfer balance is {$7900.00} and the remaining standard purchase balance is {$2700.00}. This makes it abundantly clear that the payments are not going to the highest interest rate balance. As such, interest charges will continue indefinitely. 
I called Citi on XX/XX/XXXX to have the situation addressed. I was on the phone for 90 minutes. Citi insisted that the payments were going to the standard purchases when it was clear that they were not. 
I called again on XX/XX/XXXX and was on the phone for almost the entirety of the period from XXXX XXXX. until XXXX XXXX. I was redirected to four different numbers. I was told they would transfer my payments to my standard purchases. I asked if they would send me an email confirming that they would do this and they told me I would receive an email in 24-48 hours. No email arrived. 
Subsequently, I received a letter in the mail dated XX/XX/XXXX that repeated my card 's terms concerning the application of payments, which if followed would be legal, and then said this was the reason they could not apply my payment as requested, which is illegal per the CARD Act. 
Finally, today on XX/XX/XXXX, I called to see if they would confirm how much I have made in purchases and how much I have made in payments since the card was opened. The customer service person said they could not do this. But, he confirmed that my current purchases balance is {$2400.00}.
Product: Credit card

On XX/XX/year>, at XXXX, I received an email from Bank of America XXXX " BOA '' ) notifying me of " Suspicious credit card activity detected ''. I immediately called the BOA number on the email and was told that there was a suspicious {$20000.00} charge on my BOA visa credit card. I told them the {$20000.00} charge was indeed unauthorized activity and was not initiated by me. I was instructed to destroy and cancel the credit card, which I did over the phone with the BOA representative. On XX/XX/year>, I received a letter from BOA " confirming that the transaction did not post to my account and they considered the account resolved ''. However, on XX/XX/year>, I noticed that there was a new account on my online BOA profile with a {$20000.00} balance. I called the BOA XXXX department again and was told that the XX/XX/year> letter was sent by BOA in error, and a new account had been created and that the claim had been " re-opened ''. I was told tothat BOA would would respond within 90 days with a " final decision '', but to also check back in a few weeks. I was told to pay the finance charges accuring on the {$20000.00} balance and that they would be credited back if the matter was resolved in my favor. As of today, the {$20000.00} remains as an outstanding balance on the new account created by BOA. I have called the BOA XXXX department several times since, and as of today, I am being told that the matter is still under investigation and a final resolution letter was forthcoming. Today the BOA XXXX department said the fraudulent activity is the result of a balance transfer and BOA was in the process of contacting the bank to where the funds were transferred to in an effor to recover the funds, if the transfer actually occurred. BOA has not shared any other details, and continues to say the BOA fraud investigative team is working on it.
Product: Mortgage

In the middle of XX/XX/XXXX I paid down my mortgage by approximately 50 %. My statement for mortgage payment due on XX/XX/XXXX showed that I owed {$28.00}, XXXX, which I paid in full by auto payment on XXXX. I just received my statement for XXXX which acknowledges my payment in full on XXXX, but erroneously shows that I have an overdue interest payment of {$3300.00} from the prior month. I asked BofA to recognize my pay down of principal and to adjust the interest and principal payments accordingly. BofA 's response was that no changes will be made until the interest rate reset scheduled for XX/XX/XXXX even though I paid down my principal by approx 50 %. But, even more insulting, BofA, on my XXXX statement, has increased my total payment due so that they will be deducting {$31000.00} from my checking account. 

I am applying for a mortgage with a different bank, and this erroneous overdue payment is hurting my ability to obtain a mortgage. And since I agreed to auto payments for this current mortgage, I can't stop BofA from taking out more money on XXXX than they are entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit karma.com account and saw several addresses on my account in the drop down menu.I contacted Credit Karma.com and asked them to remove the inaccurate/false information from my account.They refused citing/lying that they got/received the inaccurate/false information from the three credit reporting bureaus.This is 100 % false because there are no such addresses on my credit reports as all three credit bureaus have confirmed for me several times but credit karma.com to this day refuses to remove the inaccurate/false information from my credit karma.com account.
Product: Mortgage

I have been trying to save my house for over a year now and I have had 2 foreclosure sale dates that I have had to stop them. There is a 3 third  time now and they still have a sale date scheduled in less than a week. I have a complete loan modification packet and my current loan modification packet has been complete for over 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted trans union multiple times trying to see why my score dropped 53pts with no negative impacts only positive impact Ive paid everything on time 100 % thats Ive been doing for years keep my credit cards under 30 % utilization. They sent me my credit report and all positive impacts on there. They still cant give me a reason on why it dropped told me contact other places it dropped on as credit wise n XXXX XXXX they also only had positive impacts at the time and told me Ill have to contact transunion did again and was samething no reason why it dropped basically have me running around in circles. I think honestly because Im XXXX American that Im being discriminated against feel as if they are trying to hold me back
Product: Debt collection

TD Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card or prepaid card

Barclays bankBARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX DE XXXX has registered my name under a credit card that opened an account on XX/XX/XXXX. That same account was on record as reported on XX/XX/XXXX and was cancelled by Barclays. During this time the credit card account was not activated nor was it confirmed by me. When I called Barclays at ( XXXX ) they verbally confirmed that they had to wrong contact information, and inaccurate email and personal information. This has damaged my credit score and they wrongfully opened an account under my name.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint credit acceptance they called me then changed and put more false information on my credit report and removed the charge offs and changed dates This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should active payment history. This inaccurate information falsely manipulates the statute of limitat* investigate this account property after I asked you to do it TWICE and your neglect has viol demanding a deletion of the following account : Accounts Name : Account Number : XXXX XXXX
Product: Debt collection

I got a specialized loan from Citizens One to purchase an XXXX through a XXXX XXXX XXXX promotion and it's been a nightmare since day one. I setup online automatic payment through their website as instructed. Put in my checking account information and everything else required to have payments automatically withdrawn monthly. Not only did the automatic payments never go through, but the site itself shows improper amounts owed ( minimum monthly payment, statements show errors on recorded payments, and there's also missing payments I made ) I have only been successful in making payments by calling in by phone and speaking with someone to manually pay with a debit card. Even then I only received a payment confirmation number once. Interestingly, a payment deduction has never shown being withdrawn from my bank account a Citizens One payment the entire duration of the loan so far. Communication between myself and Citizens One has been very sketchy and unclear. They have already harmed my credit by reporting missed payments when I have called in at least every month making payments by phone. Unfortunately, I have no record, or Citizens One, of making more than one or two payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems Inc. did not share information that the debt was paid in full with the original company, XXXX and thereby I was sent to collections, from XXXX to another collections agency. 

This continues to show up as an uppaid account on my credit report and thereby negatively impacting my credit scores.
Product: Mortgage

I attempted to cancel the Private Mortgage Insurance premium as my balance was lower than the percentage required. 
After being denied the ability at the branch, I was told to call. Transferred to another line, I was told to email my request which I did on XX/XX/XXXX. 
I followed up weeks later and was literally laughed at, as they had corrupted my email request in an inter-department transfer. I again emailed a new request. 
I received a denial by mail dated XX/XX/XXXX citing delinquent payments as a reason for denial. I called and confirmed that no late payments existed- the system had erroneously counted the 90 day COVID forbearance program as late- despite guarantees it would not. I had fully payed up the 90 day forbearance, and the current months payment on XX/XX/XXXX. 
After confirming I was up to date and this denial should have been an error, I again emailed a request XX/XX/XXXX. 
I again heard nothing and contacted, and was instructed to email about the error, and request reimbursement for the XXXX additional PMI payments I will have made while the delay occurred and emailed on XX/XX/XXXX. 
Yesterday on XX/XX/XXXX I contacted again, was told they havent made any progress, and would be contacted today XX/XX/XXXX. No contact had occurred and I am still unable to process my cancellation, Or the additional refund for my excess payments to PMI.
Product: Vehicle loan or lease

I am not liable for this debt with Danco Financial, danco financial is reporting on my credit but no longer has access to this account. I would like for an investigation to be conducted to ensure that everything is accurate. This account is not showing maximum possible accuracy according to 15 USC 1681E ( b )
Product: Mortgage

They sent me a notice with an amount to make a payment to bring it current I called them and they said they have to re submit it so now I 'm waiting again
Product: Debt collection

XXXX XXXX Repeatedly call me when I told him not to. Called on XXXX XXXX 2017 at XXXX XXXX and left voicemail at XXXX XXXX. On the call at XXXX I Told him the I had no information and person they were looking for was not at my number. Told him not to call my number any more. Threaten legal issues with my daughter even though I didnt give information. Said she owed money and he was a process server in XXXX XXXX county with warrant. On second call at XXXX I repeated not to call my number and hung up again. Left voicemail on call at XXXX with threat of going to my daughters work. Told me my daughter had an outstanding debt. Even called company with number left on voicemail XXXX to complain to no avail. Talked to XXXX XXXX then on XXXX XXXX 2017 at XXXX received another call from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX**** - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Purchased an appliance through PayPal on XX/XX/XXXX. Seller failed to complete promised installation over a 2 day window which was not completed for two months XXXX due to unkept promised installation dates. Buyer initiated complaint with PayPal for sellers failure to install on XX/XX/XXXX After a two month period and a request to have item cancelled, seller installed XXXX XXXX and caused a gas leak. Buyer called XXXX XXXX to have range disconnected and called seller to inform them of gas leak, however seller did not respond for another two weeks. Seller caused irreparable emotional damage to client and a situation that may have ended up in death. Buyer initiated additional information regarding gas leak and failure of seller to respond ; PayPal was aware of the above situation however failed to act on buyers complaint of failed installment dates and seller causing a gas leak. I am requesting resolution for emotional and physical damaged due to the above situation which paypal has completely ignored thereby causing additional XXXX. In addition paypal resolution center failed to send me a letter indicating their decision and requested payment to paypal for the XXXX XXXX I called PayPal on XX/XX/XXXX, asking for letter regarding their decision but to date, no such letter received. I was not informed in writing that paypal had decided against me. After many phone calls to paypal and several written documents documenting sellers actions my issue was never addressed on the merits of my complaints.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : 1. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6100.00} 2. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1900.00} 3. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6000.00}
Product: Checking or savings account

XX/XX/2021 I was contacted by Chime banking that my account would be placed on hold due to suspicious activity. I said ok keep it on hold until I send a pic video proof of residence and then I was locked out my email accounts, at this time didn't know why someone kept trying to gain access to that account.. not knowing at the time my 3 stimulus had been deposited into that account. XX/XX/1200, XXXX XXXX, and XXXX XXXX the hacker would lock me out of my email to keep me from logging so I had to change email address like 4 times. I contacted authorities and the FBI. I submitted screenshots emails and was sure to include the detective in all emails. I disputed all, three payments it was denied. So I called and one rep did state that the logings were coming out of the county but my device is compromised and it's showing XXXX Texas. So now it has been well over 4 months and I've yet to receive my funds.
Product: Debt collection

Bank of America Acct # XXXX Date Opened XX/XX/2017 I've already submitted a CFPB complaint and received a response from you that was vague and it did not investigate the following request ...., I need the following information from you for my records : 1. 1099C 2. Take down letter 3. Finance insurance paperwork 4. And let me know if there was a finance charge. 

If no such proof is provided within 14 days from receipt of this notice, I demand deletion of this account from my consumer report profile. 

I also received an email from XXXX XXXX XXXX saying that I owe them {$3700.00}. This is inaccurate information if the above debt collector has already paid for the debt. 

Between these two accounts you are reporting inaccurate information and the two accounts should not be reporting a balance. 

According to the law I demand this account be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Account as is reported as having a late payment my credit report : XXXX. XXXX XXXX XXXXXXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.
Product: Money transfer, virtual currency, or money service

Was not given notification to verify correct person before sending money not notified prior to that money can not be refunded
Product: Debt collection

Midland Credit has called multiple times without leaving a message regarding debt they are not authorized to collect.