23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : CHOICE RECOVERY # XXXX, CHOICE RECOVERY # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting as a new bankruptcy on my account. It is only reporting this way on my Transunion account, noXXXX XXXX XXXX XXXX XXXX XXXX XXXX account has also been removed from my report and I did not ask for this. This seems to be retaliation for the previous complaint I filed with the CFPB about multiple attempts to correct information on my account. The account description should read " Included in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' This, again is destroying my credit score and my creditworthiness. If the retaliation continues, I will move forward with legal counsel and take legal action.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a {$1500.00} check for a second-hand goods, after I deposited the check in the Bank of America which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Later I don't want to sell the goods for some reason. After 20 minutes, I went back to the bank. I told the bank employee standing at the front desk to cancel the check, but he told me that the check can't be cancelled due to it's scanned. I asked him if it means I got the money once the check is deposited to my account. I double checked with him if there is any risk for me to lose the money. He said you are covered and you got the money since the check can not be reversed now. He failed to explain to me there could be an empty check. 
So until the next day, on XX/XX/XXXX, I found the money of check is posted to my account, I believe it's safe because I have double confirmed with the bank employee. The buyer provided the XXXX account to me, so I return {$900.00} and {$600.00} to XXXX via XXXX  transfer. 

On XX/XX/XXXX, I found the bank charged me {$1500.00}, they explained that they didn't get money from XXXX XXXX because the previous check is empty. I am astonished that the employee ever told me that my money is safe if the money of check is posted on my account. 

Without the bank employee 's confirmation, I would never have XXXX  transfer the refunded amount.I planned to return the check to the buyer.But I trusted the bank employee that it's my money when the check money is posted on my account. 

And if the check is empty, why the money is posted on my account the next day. 

So it caused me {$1500.00} money loss because the bank delivered the wrong information. I have to ask your help to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXXXXXX XXXX XXXX-XXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXXXXXX-Balance {$0.00}
Product: Credit card

While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.
Product: Mortgage

My homeowner requested to be approved for a short sale on his VA mortgage XX/XX/XXXX after being laid off from his job and also recieving an offer on his property. Later that month we provided the bank Roundpoint Mtg the buyers Good Faith estimate along with a fully executed closing disclosure outlining all costs. the bank countered the buyers offer amount and also was notified in writing that the roof had to be replaced and was given a roofing bid to replace that for the buyer to be able to be financed for the property. The buyer was also requesting that his loan costs be paid at closing from the sellers proceeds. 
After speaking to the bank several times it looks as if everything was in place for an approval letter. In XX/XX/XXXX the bank requested updated Closing disclosure which included the buyers loan costs again. XX/XX/XXXX they removed the file stating it was not complete but had been since XX/XX/XXXX. I had to start the entire process over and provide them updated docs which i did in a timely manner. The bank stated on XXXX XXXX that they needed an Opt Out letter which they again already had since XXXX XXXX. This was not being processed correctly since i had confirmation that it was sent via email. I did resend them the Opt out Letter again. I asked that the file be escalated since we had been in this process with the same buyer since XX/XX/XXXX. On XXXX XXXX I called and was told that the bank would NOT be paying for Title insurance or the buyers loan costs. Even though they had not requested that either be removed from the last Closing disclosure requested and sent to them on XXXX XXXX. I asked that they revisit these costs as they are typical and standard costs for a short sale and they refused to have either of those costs to be included in the short sale approval. The seller has continued to make mortgage payments and has not defaulted on his loan. I believe Roundpoint mortgage is not representing the seller and is causing a " Sale Fail '' based on their own opinions of what should be approved in this short sale. The buyer can not afford to pay for a new roof and all of his closing costs and the ENTIRE Title fee 's. The buyer will already be paying for half of his own title fee 's and the bank should be paying for the sellers half of Title fee 's. This is a standard and necessary fee to obtain insured Title on the property.
Product: Debt collection

I owed XXXX XXXX debt and paid it off in payments. The last amt was different than any of the other payments {$210.00}. I sent the Hospital proof of payment from my bank- dated XXXX of 2021-using mail and fax on several occasions. The canceled check has their stamp on the back. I called the hospital and they said they received my proof, but continued to bill me. Now I am receiving bills from a debt collector and I sent them same proof. They continue to send bills. What can be done?
Product: Debt collection

I have asked for a debt violation time and time again. Pursuant to 15 U.S.C 1692 ( b ) upon receipt of this rescission i am not liable for any of these charges because there is no violation, and this account has been charged off which i have not benefited from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, On all of my credit reports my creditors are reporting my actual payments. I have gone there for 1.5 yrs begging them to audit my acct. I have a truck loan their and it is a open ended loan. My Payments have gone from XXXX a month to XXXX and I stopped making my payments because I had been trying to buid my credit and it wasn't going Up. They have had bounty hunters call and harass me. They threatened to put warrents out for my arrest. Mocking my name. I disputed them with XXXX XXXX XXXX. They asked for documentation for the proof of my payments and they couldn't or wouldn't provide any. All three bureaus removed them from my credit report. I went to traded in the vehicle and I have a car with XXXX XXXX me to credit union as well. XXXX XXXX XXXX kept canceling and reinstating my policy and the craving is new about it before I did. They forced CPI insurance of {$4000.00} a piece making the vehicles close to XXXX to XXXX upside down. I want to XXXX XXXX in XXXX Texas and found a truck that had a net positive equity to eat at the negative equity that they placed on it. I asked him to finance it traded into vehicles only having one payment neither one with finace. I got three or four letters from lenders telling me that if I wanted to know why I was turned down to write them so I did. Their answer was XXXX for did not complete my application process. I had left XXXX XXXX XXXX going to XXXX XXXX XXXX XXXX XXXX last year I was going about twice a week for an entire year back-and-forth. The finance lady XXXX upstairs bedroom credit union called me and I told her that I was to be trading in those vehicles not giving them back and leaving XXXX XXXX XXXX XXXX XXXX I had to stop for gas. Are used my doubts credit Union debit card and it was declined. I called them and said why is the declined I have many in there she said that they had taken all the money out of my account and apply it towards the truck. I said I'm at a gas station with no gas she said let me ask my supervisor if I can pay {$25.00} back on your card so you can get gas. She came back and said that it had been approved but they had to cancel my debit card so there was no gas and I was approved. I have an attorney and we serve them in XXXX a few days later with a freeze on Equifax and fraud alerts other bureaus my alerts said that XXXX got a crazy exes my credit report and when XXXX  had to verify my identity. My address was their address XXXX XXXX XXXX, XXXX, TX with my new address and I did my home for 10 years.
Product: Debt collection

On XXXX XXXX, 2015 I sent a debt verification letter to the collection agency ERC. The agency answer the letter and sent me XXXX billings statements provide by Dish. The charge is for early termination plus state tax. ERC report the account to XXXX major credit bureau XXXX. I sent copy of debt verification letter, the answer of ERC and the bills.
Product: Debt collection

XXXX got this debt firat and then sold it to XXXX XXXX and then sold it to Sullive asset management. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous of certified letters via XXXX to TransUnion in regards to this alleged bankruptcy that is reporting on my Consumer Credit Report. I ask that TransUnion remove this alleged bankruptcy immediately. This has caused hardship, increased interest rates, failure to purchase a home. TransUnion has broken all legal laws concerning this matter.
Product: Prepaid card

On XX/XX/XXXX, I had money stolen from my sons Direct Express card. The money was stolen via XXXX. The person who stole my account information was able to change the account username and password and my address on file in an attempt to receive a new card. I called and reported this information to Direct Express through the customer service and they cancelled the card and started a dispute. I received dispute papers in the mail within 7 days and I filled them out and emailed them back. A few days later, Direct Express issued a provisional credit. On XX/XX/year>, the card has now been overdrawn in the amount of the provisional amount. This is unfair to me and my sons who receive their money. My identity was stolen and we were almost evicted because of the money being stolen and now they are ruling against my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone I've known for over 20 years stole my information and identity, and I found out by me being arrested and then hiring an attorney. The person, XXXX XXXX, actually worked and impersonated herself as me throughout several years. Several accounts and incidents have been opened fraudulently in my name. I want this person to be asked about it and take accountability for what she has done and how she has affected my family and me. 

Collection accounts : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Inquiries : 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, XXXXXXXX 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

I want Trans Union, XXXX and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : Chief Executive Officer ( CEO ) Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX bankruptcy : Bankruptcy Account number XXXX on date XX/XX/2020. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 
In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX ( XXXX XXXX CO ) XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX CO ) XXXX Balance : {$770.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Product: Credit card or prepaid card

An unauthorized charge appeared on our citi charge card in the amount of {$1100.00} on XX/XX/18. I immediately disputed the amount with the credit card company. I also tried to contact XXXX  to whom the charge was made. Unfortunately, it appears XXXX is unable to be contacted and only the people who can use their website are the people that sell the product. My husband or myself do not sell this product so we are unable to contact anyone at the company. We are not able to log in at all to make any purchases. 

I complained to the XXXX XXXX XXXX about the lack of communication afforded to the general population and XXXXl did contact me but refuses to reverse the charge. I also contacted Citi cards a second time to dispute the charge again. Citi card responded by saying " Due to conflicting information, we can not mandate the merchant to issue a credit to your credit card. '' Nobody is bothering to investigate this fraudulent charge which means this will occur again! If anyone investigated they will see the address where the supplies were sent and the name that was used clearly don't match. In addition, we are unable to log in to the XXXX website proving no purchases were made.
Product: Credit reporting or other personal consumer reports

The company XXXX is reporting a late payment when the payment was never late. They are showing a late payment when the item was returned and no payment was due on the returned item. Their records do not reflect that It was their responsibility to verify the return and because of that delay they reported a delinquent payment. I no longer had the product, the return was accepted and be cause of their slow record keeping they put a late payment on my account. I tried to show them and explain this but they use a third party for their call center and they said they can not help so XXXX have no way of trying to show them their incorrect records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that Experian, XXXX and XXXX were all reporting 5 late payments from XXXX XXXX XXXX XXXX. 
I notified XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX notified all three reporting agencies that there were NO late payments and the information they were reporting was INCORRECT. 
She notified them three different times. Finally in Mid XXXX the late payments were removed by Experian and XXXX at least from what I could see on line. 
Today the 5 late payments are back on my report. I have written to all three reporting agencies at least three different times with NO RESPONSE. 
1. All three have been notified by XXXX XXXX XXXX XXXX that they are reporting inaccurate information. 
2. All three have been notified by me three times in writing that they are reporting inaccurate information 3. This has gone on for well over 30 days with absolutely NO response by any of the credit reporting agencies. 
Really need your help
Product: Mortgage

We Re-Financed our VA backed Mortgage Loan on XX/XX/2022 thru Meridian Bank in the XXXX $ XXXXwith a Fixed Rate of 3.125 % down from 3.75 % to lower our monthly payment from {$2400.00} monthly to {$2300.00}. 
That payment was set-up to include Principal payment of {$1700.00} Taxes of {$400.00} {$190.00} Hazard Insurance payment of for a total monthly payment principal and interest of {$2300.00} We recv'ed a letter in XXXX indicating that US Bank was now servicing our loan and that the payment total was now {$2500.00} monthly that is an increase of {$190.00} for something called a Shortage Spread. 
This is not something that we agreed to pay when we re-financed our home .Also, we never agreed to anything with US Bank especially something that would totally wipeout the gains we made when lowering our Int. rate from 3.75 % to 3.125 %. 
We checked with XXXX XXXX where our Home is located to find out/confirm that our Taxes have not gone up period. 
When I called US Bank to get an explanation I was told some generic answer from a call center person that ..those shortage projections are normal business practices. I logged into the US Bank acct. to pay the agreed upon amt of {$2300.00} only to find that I couldn't make that payment ..The only amt. I could pay online was the {$2500.00}. 

So, I mailed my payment of {$2300.00} ( cashier 's check ) along with the Mortgage Payment Coupon that I recv'ed when we closed on this VA Back Mortgage Loan in XXXX.