23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE JUST SIGNED A DEFERMENT WITH TRUIST MAKING MY LOAN CURRENT. I AGREED TO THE NEW MONTHLY PAYMENTS OF {$1700.00}. NOW I GET A BANK STATEMENT SAYING MY NEW MONTHLY PAYMENT OF {$1700.00} ADDING {$3.00} CENTS TO THE PAYMENT. IF THEY ADD THAT UP FOR 12 MONTHS, THEY CAN MAKE A GOOD PROFIT AFTER ADDING THIS AND THAT TO THE {$47.00}. WELL, I WANT TO CHANGE SO THAT {$1700.00} WILL BE ON THE BANK STATEMENT AND NOT THE {$1700.00}. CAUSE THAT WILL CONSTITUTE MISREPRESENTATION OF FUNDS AND BREACH OF CONTRACT. AND AS FAR AS THE XXXX XXXX, I GOT THIS DOCUMENT STATING ALL OF THE VETERANS AFFAIRS DOCUMENTS BEAR THESE XXXX EMBLEMS ON THEIR DOCUMENTS NOT XXXX XXXX. THIS IS THE VA SIGNATURE HEADING ON ALL APPLICATIONS AND PUBLICATIONS IT`S THE LAW. I AM SENDING COPIES OF MY DEFERRAL AGREEMENT, THE BANK STATEMENT DATED XX/XX/2022, AND ALL THE VETERANS AFFAIRS SIGNATURE MARKINGS. AGAIN I WILL NOT BE CONTACTING YOUR ADVOCATE CAUSE IT CONSTITUTES A CONFLICT OF INTEREST BEING A PAID ASSOCIATE.
Product: Checking or savings account

There have been numerous times where chase chooses to pay larger amounts instead charging the amounts in the order that they were purchased. In my specific situation I had the funds available when these smaller items were purchased. But Chase chooses to pay the larger amount first in order to be able to charge the customer overdraft fees for the smaller items that were purchased when funds were available. This is UPAAD ( for unfair deceptive or abusive acts or practices ), which I believe Chase is in violation of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request for Equifax to simply provide the documents proofing this debt is mines with XXXX XXXX aka XXXX XXXX XXXX. Equifax is the only credit bureaus that's keeping this debt onto my credit report .. this isn't my debt nor will you provide that it is. I have a complaint with XXXX  XXXX  aka XXXX XXXX  and it has been more that 60 days and still haven't respond back with any kind of proof yet Equifax is the only credit bureau keeping this on my file. I humbly ask that Equifax respond back with the documentation to proof this debt to be mines ... Even on XXXX the debt has no collection agency name on it ... I have also called the company that XXXX XXXX XXXX is saying I owe the money to and they have no record of such debt. 

I have attached all documentation. Showing that only you Equifax is keeping the debt on my credit report and always how it's not being reported correctly. 

I wouldn't want to take any legal actions. But, if Equifax doesn't provide documentation that is debt is mines I will do so. 

There are 3 accounts {$50.00}, {$410.00} and {$200.00}
Product: Credit reporting or other personal consumer reports

I got charged with illegal overdraft fees when I believed money was in my account when it wasnt
Product: Debt collection

Doctor billed wrong insurance and called them. I was on XXXX and they bill my old insurance.. The Doctors office said at the time it was taken care of. In the coarse of getting a home loan, my credit was ran. The collection was on there twice under two different names of collection agencies. Both refused to remove when report. We sent in dispute with the credit report and finial one of them was removed. Reached out to collection agency because the doctor is dead. The doctors office can not fix the error. They will still not remove and has cost me so much money, time and stress. I do not owe this and they said even if I paid them they will not remove it. They have been rude and degrading to my lender, mortgage broker, real-estate agent and myself. laughing and hanging up on us.
Product: Checking or savings account

There was a refund issued on XXXX from XXXX for ORDER # XXXX in th e amount of {$280.00}. I contacted the bank and was told this refund was rejected on the account closing on XXXX and to contact XXXX. Today is now XX/XX/20 and XXXX still does not see this refund.
Product: Checking or savings account

I entered the 5th 3rd XXXX in XXXX, IN on XXXX/XXXX/XXXX to open a checking account and have some refunds from XXXX XXXX deposited into the new checking. The teller got me to banker who started off friendly and took my social security number and driver 's license. I told her I was trying to get {$11000.00} in XXXX XXXX refunds deposited into this new account. After that she was not friendly at all and became hostile towards the end of our conversation. She told me she would not open an account and did not provide any reasoning. I would like a written reason why I 'm being denied a checking account. I confirmed she did n't even run a XXXX inquiry. I believe she was trying to avoid compliance paperwork since the transaction would have been over {$10000.00}. 

While speaking with the banker she asked me why XXXX closed my 5th 3rd credit card on XXXX/XXXX/XXXX. I told her I did n't know that the letter just said business decision. Since I 'm entitled by the law to know why the account was closed I would also like a letter stating exactly why I was closed.
Product: Debt collection

Ive tried calling this company multiple times about the fraudulent collections they have on my credit report, they keep saying that theyre attempting to collect a debt from a apartment complex Ive never lived at in my life, Ive sent in the information that was requested my identification official police report and federal trade commission report & Theyre still falsifying that the account belongs to me and hanging up in my face, I tried reaching out to the apartments but now there under new management and I wonder why, This is by far the worst experience Ive encountered with a company in my XXXX  years of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with my daughter ( XXXX XXXX ) at XXXX XXXX that was CLOSED in XXXX. KeyBank opened a XXXX  XXXX XXXX with my information. We received a bill for {$30.00}. I spoke with with KeyBank 's financial fraud department on XX/XX/XXXX and disputed the transactions and was told the account was closed ( spoke with XXXX XXXX # XXXX ). I received a letter from KeyBank and called again on XX/XX/XXXX and spoke with a representative ( reference number XXXX ) who told me the credit account was closed and I was not responsible for charges. I discovered when I went to purchase a vehicle that this was a " blemish '' on my credit report. On XX/XX/XXXX, I contacted KeyBank and was on the phone for over 2 hours being transferred from one department/individual to another, eventually speaking with XXXX ( reference # XXXX ) who indicated that I should submit a Credit Bureau and Consumer Report Dispute Form to KeyBank Links Customer Service Area and I would receive a response in 30 days. I submitted this report online and never received a confirmation. 
My FICO score is being impacted due to a " delinquency balance in XXXX '' and a balance is still listed ( on my XXXX  Credit Report ) when I am trying to obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and notice that I had one single late payment on an account that I was NEVER late for. Consumer Reporting Agencies have assumed a vital role and a have a responsibility to report Consumer information to best of their ability with Maximum Accuracy! I have NEVER been late for payments on this account ( Account Name - XXXX XXXX  ) ( Account number - XXXX  ) please thoroughly investigate and provide PROOF with statements of payments being late. If proof CAN NOT be provided I DEMAND this payment be updated to on time as it should be, as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having trouble with the Bureaus removing hard unauthorized inquires. I just submitted a complaint against XXXX. now its Transunion. these 7 inquiries are causing me problems getting approved for Credit. it is very stressful. along with my health issues,. please, see if you can resolve this matter. thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021, I submitted a complaint to Affirm about a loan that was fraudulent opened in my name. I received a response the next day from Customer Care that I would need to call and discuss the matter over the phone. After providing all of my information I was informed that the matter would be looked into. On XX/XX/2021, I received an email from Affirm stating, " Based on the available information, our investigation indicates that you are responsible for the loan and payments associated with XXXX ''. I asked them multiple times what proof could I provide as I travel a lot and have no information on the loan, what was purchased, or any information that may have been used for the purchase. I tried reaching out to the merchant but without successfully verifying information on the order they could not help me and directed me back to Affirm who still wanted me to fill out an affidavit but there was nothing I could provide them other that hotel/flight receipts. The email address on the order didn't even match mine nor would they tell me what email was used to place the order. I did not electronically accept/sign any loan terms for this customer in the amount of {$920.00}. Since I would not make payments on this fraudulent loan, it has become delinquent and charge off ( XXXX ) to ta third party collection company, XXXX XXXX.
Product: Credit reporting

I retrieved my annual Exquifax Credit Report on-line dated XXXX XXXX, 2016. Then I received another credit report in the mail dated XXXX XXXX, 2016. I reviewed the credit report and realized that XXXX Mortgage account was reported as " XXXX, XXXX, XXXX & XXXX with XXXX Days Past Due ''. I filed an on-line dispute that I have never been late on a XXXX Mortgage payment. I received the investigation results, dated XXXX XXXX, 2016. The report had the same delinquency. I called Equifax and requested another investigation, dispute # XXXX. I received an investigation results, dated XXXX XXXX, 2016, still had no correction. ( Both disputes investigation result reports are attached ).
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.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX XXXX XXXX XXXX XXXX XXXX  Accounting # XXXX and XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX.EQUIFAX REPORTING AGENCY, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Product: Credit card or prepaid card

I received an offer from Bank of America called accessing your credit is as easy as 1-2-3. It allowed me to use my credit card line of credit to obtain cash to pay off other credit cards. I used one of the checks included and deposited it in my Bank. I used the money to pay off my higher credit cards. On the Band of America credit card statements, I noticed that I am being charged a 21 % rate instead of the promised .99 % rate so I called the company to resolve the issue but I was told that the checks can only be used for balance transfer and they need to be directly used to pay off the credit cards. I looked at the BoA offer and it clearly stated that I can use it for anything I want in step 1 of the 1-2-3 easy-access advertisement. I used similar offers from other Banks in the past and I always deposited the funds in my Bank, as a customer I feel BoA is scamming its customers. I have lost over {$1100.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reportswith 3 credit reporting agencies. These items were opened fraudulently. Ive informed allparties of the issue & provided the necessary documentation to support my claim. Thecredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law inregard to identity theft. Additionally, the credit reporting agency & data furnisher have notprovided me with any evidence of an open contract, signed contract, or any valid proof thiswas opened, authorized, or created by me. Since this is a strict violation of FCRA laws I needthe items removed from my file. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$420.00}
Product: Debt collection

the collection agency handling this debt collection from the credit card company XXXX XXXX is reporting to the credit bureaus as unpaid although I have paid directly with XXXXXXXX XXXX the credit company reports as paid in full paid satisfactory the debt collection agency keeps trying to collect the debt that has been paid in full calling to collect debt and mailing the statement to send payment balance {$620.00}
Product: Mortgage

XX/XX/2023, our mortgage company, XXXX, sold to XXXX XXXX XXXX LoanCare LLC . I made my payment on XXXX, with the pay by phone option, with XXXX XXXX. After several days of it not clearing my bank account, I called to see what happened. The rep I spoke with said it was returned for NSF, and we were charged a {$25.00} fee. I told her that is incorrect, that the funds are still there waiting to be taken out. She said we will try again and she cancelled the NSF fee. After several days of it not clearing my bank, we received a letter from the company stating the payment didn't go thru. So my husband called them on XX/XX/2023, to see what was going on. The rep he spoke with asked for the checking acct number to verify it. Our checking acct number begins with XXXX zeroes. The rep said that the zeroes should not matter, and he didn't want to try taking the money out again, so my husband put him on a three way call with our bank. The person at our bank explained to the mortgage rep, that yes, the XXXX zeroes needed to put in their system for the money to properly go through. The rep supposedly put in the correct checking acct number at that time. The same rep also told my husband that if this happens again, we may be locked out of our account for 6 months. Also, he told my husband we would be charged a {$25.00} fee. We called the mortgage company back that night and had a very long and detailed argument with their rep, who pretty much told us because WE didn't give THEM the correct account number, that it is our fault, and we are responsible for the {$25.00} fee. With us being new customers with them, this is so very disappointing, and the reviews of LoanCare LLC, are so bad and very similar with what we're going through. I asked the rep several times how we could be at fault, with us being new customers, and that they should have made sure to have the correct info. She was persistent in stating it was our fault and that they would not be removing the {$25.00} fee. Please help, if they're doing this to us, how many others are they doing this to??????
Product: Credit card or prepaid card

Capital one has ruined my life!!! I have 3 credit cards with capital one. I had reported incorrect information on my credit report that capital one reported and my credit cards were removed from my XXXX  credit report by capital one. At the time i had a credit score of XXXX well because capital one keeps removing and adding accounts back my credit score today is XXXX and XXXX I am so livid!!! I was about to purchase a house so imagine my surprise when I was turned down for a mortgage. My credit report is wrong now it still says Im carrying a balance on one card for {$190.00} but my accounts are paid in full. I want capital one to restore my good credit and to be held accountable! I want to be compensated in some way because this has ruined my life I have a child  to send off to collage this year and now what am I supposed to do? My credit card company ruined my life how is this OK? I pay my credit card bills on time and this is what I get, no capital one not this time! I cant buy a stick of bubble gum thanks to this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Mortgage

I have a cease and desist on the account yet the lender has called every day since XX/XX/XXXX. I have told them several times that I know when the payment is due. This is harrassment. 
Secondarily, I have asked the lender to send me an escrow analysis and breakdown of the arrears. I also asked for an adjustment of fees owed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 not 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 reporting, credit repair services, or other personal consumer reports

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a zero balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX  is and has always been in good standing but XXXX is the problem!
Product: Checking or savings account

I have a cash app on my phone and they decided to deactivate my account on XX/XX/XXXX and my check was deposited into that account on XX/XX/XXXX. I can't access my fund or withdraw my fund at all. They have no live agents to speak with and they only emailed me once and that was it. It says that i can link a bank card to the account to withdraw the funds but it will not allow me to link a bank or a card. I need help trying to get money out of this account. I don't understand why they accepted the deposit if my account was deactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED DOCUMENTATION IN REGARDS TO BEING A VICTIM OF IDENTITY THEFT AND SOME ITEMS HAVE YET TO BE REMOVED/BLOCKED OFF OF MY XXXX  CREDIT REPORT INCLUDING TWO HARD INQUIRIES ( XXXX, MADE ON XX/XX/XXXX, AND XXXX XXXX   MADE ON XX/XX/XXXX ) THERE IS ALSO A WELLS FARGO CREDIT CARD ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE OR AUTHORIZATION. 

( WELLS FARGO BANK CARD ACCOUNT # XXXX, BALANCE {$1300.00} OPENED ON XX/XX/XXXX. )
Product: Vehicle loan or lease

On XX/XX/2019 I purchased a used truck at XXXX. At the time of purchase, I was told the payment will not be due until 45 days from the date of purchase. I did not know the first payment was due 30 days from the date of purchase until my credit score dropped. XXXX told me a lie about my first payment being due and now I have a late payment on my credit report which has affected my score. I spoke to J.P. Morgan Chase bank about the late payment and they told me there is nothing they can do. I contacted the credit bureaus and was told I have to contact the lender ( J.P. Morgan Chase Bank ). I  informed credit bureaus that I already spoke with the lender. So now I'm stuck with the first late payment on my credit report which I genuinely care about. I just want the late payment off my credit reports as I been requesting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS :XX/XX/XXXX- XXXX - XX/XX/XXXX - {$00.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$4300.00} INQUIRIES : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX