23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account at Bank Of The West and most of my charges were fraudelent. Bank of the west returned about {$700.00} of the {$5000.00} I was owed and now says that the loss of my money was fraud and is withholding it. Please see attached of fraudulent charges
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Three credit bureaus are together not improving my credit score all account has been paid off and charge off which means no further interest charge on them. 

Kindly remove all the old and relevant information from my credit report and please help me to get a better picture of my credit health.
Product: Debt collection

I received multiple emails for this debt collection from multiple different debt collectors. Ive asked to not be emailed by previous owners of the debt but my debt keeps getting moved to a new debt collector. It is also showing up on my credit report as being owed to P & B Capital Group but that is incorrect. The debt has been transferred to a debt collector named XXXX XXXX XXXX and theyve sent me multiple communications as well. Ive attached some of the communications that Ive received from XXXX XXXX and other debt collectors as well. Ive asked for P & B Capital Group to remove the remarks on my credit report through email but didnt receive a response. Just another debt collector taking over the account.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account WF/XXXX   XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that WF/XXXX  was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

On XX/XX/XXXX a collections account was opened for {$1100.00}, i only noticed and knew of the " debt '' because of cedit karma. The company never once attempted to contact me and are using an address i haven't lived at in now over 6 years. The debt collector also never contacted me to alert me of being in collections. I had to email the debt collection agency 3 times to get a response and they only responded when i mentioned getting a lawyer since they will not respond. I have emailed them 2 times since initial contact trying to understand how i got this debt and how it got to collections without me knowing it existed but have received no response. Making an invoice can be done by anyone who has basic knowledge of computers and some basic personal information so that's not proof of the debt and i addressed that in one of the emails. My address has changed once since XXXX and I've had the same and only phone number for 10 years so it's not like it's hard for a legitimate company with a legitimate debt to get into contact with me.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX {$0.00} XXXX XXXX  XX/XX/year> {$330.00} These credit accounts, collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times from Experian to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to    XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in   vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.
Product: Checking or savings account

Explanation of complaint : I was using the atm machine to deposit three checks totalling around {$3300.00} ( Paycheck through XXXX XXXX, Check from XXXX XXXX and a Check from XXXX XXXX XXXX ). I told the US Bank Staff Representative on site. The staff member told me they will give me a provisional credit in 10-business days, investigate my account and have a solution to me within 45 days. After complaining on XX/XX/XXXX and again on XX/XX/XXXX when they called me back that there was nothing they could do, they did agree to waive any of my overage fees. To me this is unacceptable. I could see it taking 3-5 business days, but 10 business days is unacceptable. I will have to incur credit card debt and other penalties from other agencies that may have auto-withdrawals with my account. Some of the money is repayment for a vacation house that we reserved and will be penalized for in interest fees.. I would appreciate any help you can give me, and I know that other poorer people could lose more than the interest and penalties that I can afford to pay.
Product: Credit card

I made 3 purchases in XXXX of XXXX for XXXX XXXX Our trip occured in XX/XX/XXXX- XX/XX/XXXX. We had issues with the hotel and overbookings, which I began a dispute with Citi on XX/XX/XXXX. 

I was immediately given provisional credits. The merchant later responded with incorrect information stating that a refund of a prior purchase was an actual credit for the 3 disputes that I started. This caused for my conditional credits to be removed.

I then had to make multiple calls, 4-5 calls to citi and multiple emails to correct the information on the dispute and that the merchant was not being truthful. Ultimately this led to the disputed charges being live on my account for the XXXX of XXXX. The total amount being disputed is {$7200.00}. This amount caused for interest charges on my XXXX statement to exceed {$300.00} for the month. 

I paid this interest. 

In the following month, after the dispute team got XXXX XXXX XXXX XXXX XXXX, they redid the dispute and credited back my account in the month of XXXX, reducing my balance by {$7200.00}. 

I have called in repeatedly and asked them to review the interest charges for XXXX and credit me back the incorrect interest charges. 

They have stated there is nothing they can do unless this was a banking error, which I told them it was. 

The dispute is still ongoing, even though I opened it on XX/XX/XXXX, and they are now giving this merchant til XX/XX/XXXX to respond once again. That is 5 months for a dispute and well outside the normal XXXX.
Product: Money transfer, virtual currency, or money service

This morning when I search in XXXX Robinhood customer service phone number and dialed online number XXXX ( XXXX ) XXXX and person on the phone hacked my account with Remote app and initiated 5 {$990.00} each transactions from Robinhood virtual debit card to XXXX group. I have reported immediately to Robinhood and registered my complaint and they want me to wait for couple days. 

I have asked them that transactions are still showing pending why they can not cancel it and reverse my money ASAP. 


I have also reported this incident by calling 911. 

I need my {$5000.00} back in my account as early as possible. Any help is appreciated. 

My direct number is XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

They took my money and closed my account and didnt get back to me
Product: Payday loan, title loan, personal loan, or advance loan

Loan defaulted and went up and outrageous amount. Leaving me unable to pay especially during Covid
Product: Credit reporting or other personal consumer reports

I requested to have erroneous names that were listed on my credit report on the Experian site removed through the CFPB. Experian did not remove it, instead they merged the wrong names as stated in the previous complaint. This action is illegal and I believe it to be unfair treatment to me.
Product: Credit reporting, credit repair services, 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 1666A 1666B 1666C 1666D 1666E and 1666F. Account XXXX : XXXX XXXX. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, XXXX XXXX.
Product: Debt collection

Initially contacted by this collection agency the later part of last year and at that time I advised them to refrain from contacting me because I spoke with XXXX and explained my situation to them. Will being making payments directly to XXXX. This agency continued to send notices that were returned to them unopened up to this date. I was notified by my monitoring service that an collection account was added and some fraudulent activity was going on so I disputed all items including an unknown collection account. I received information to show that the same collection agency added this account to my credit file AFTER I advised them 1 ) that I was paying XXXX directly on payment plan. 2 ) they still contact me AFTER I advised them to refrain from contacting me AND 3 ) they added this account to my credit file w/wrong amount. This really affects my credit badly.
Product: Mortgage

My Loan was transferred form XXXX XXXX to Gregory funding on XX/XX/2021 I reached out to Gregory funding several times to send me a detail written explanation of my payoff amount of all XXXX of my mortgages for about eight months they had no record of all XXXX of my loans so I ask to start the loss mitigation process so I complied and sent all requested doc all still they will send me information on my loans individually now they are say my default rate is 14 % and have added {$150000.00} yes XXXX XXXX and XXXX XXXX dollars to my balance with no detail explanation
Product: Credit reporting or other personal consumer reports

on XXXX i recived copy of my credit report and i noticed 3 accounts that are listed on my credit thats not mine and never applied for companies listed below XXXX  XXXX XXXX, XXXX, $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I contacted cash app company asking them to stop payment from coming out of my account it was a scam they responded they told me to look for information on the app and there was no where on the app where I could get my money back I kept calling and getting the run around
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX -Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. Please help me correct or remove the following accounts : 1. XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

3. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

4. XXXX  XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

5. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Mortgage

On XX/XX/XXXX, I closed on my home. 
Included in the closing, I paid {$5700.00} into my escrow, as indicated on Page 12, Section G " Initial Escrow Payment at Closing '', under " Other Costs '' of my closing packet attached. 

My first payment of {$3900.00} was due on XX/XX/XXXX, and cleared my account on XX/XX/XXXX. 

On XX/XX/XXXX, my loan servicing was transferred to Nationstar dba Mr. Cooper ( effective XX/XX/XXXX ), and my initial payment, which was paid to the original lender, XXXX XXXX XXXX XXXX XXXX, was forwarded to them. 

Upon receipt of information regarding my Mr. Cooper account, as evidenced by my first statement, dated XX/XX/XXXX - My Escrow Account contained {$7300.00}, which was the {$5700.00} + the Escrow portion of my first payment ( paid to XXXX  ) of {$1600.00}. 

Each subsequent payment was made on time, and included {$1600.00}, and on XX/XX/XXXX, a XXXX XXXX payment was disbursed by the Escrow account, appropriately, in the amount of {$6600.00}. 

My XXXX statement, dated XX/XX/XXXX took this disbursement into account, and the payments from XXXX, XXXX, XXXX, and XXXX, and indicated an Escrow Balance of {$5400.00}, which was appropriate. 

On XX/XX/XXXX, Mr. Cooper " adjusted '' my escrow account, deducting {$5700.00}, which I paid in at closing, claiming that the payment from XXXX  to Mr.Cooper bounced. 

Upon reaching out to Guaranteed Rate, I was able to get information about the wire which contained this amount - A wire was sent on XX/XX/XXXX for {$40000.00} from XXXX  to Nationstar ( Mr. Cooper ), with the wire # of XXXX. My portion of this wire ( which was a bulk payment of multiple account escrow ), was {$7300.00}. {$5700.00} plus the first payment 's Escrow portion of {$1600.00}, as noted previously. 

I have reached out to Mr. Cooper and XXXX  XXXX  several times since then, trying to recover my missing {$5700.00}. Mr. Cooper 's claim is that the wire " bounced '', which doesn't wash because the initial payment 's {$1600.00} was not adjusted out of my escrow account. 

I have called Mr. Cooper nearly daily since XX/XX/XXXX- it is now XX/XX/XXXX. I have done the legwork for them to get the wire info from XXXX  XXXX. I have records of all of *my* payments, which, to me, indicate that I have done the proper things and this is not *my* problem, but an accounting problem that Mr. Cooper should resolve without affecting my account. 

This {$5700.00} is my escrow money and needs to be returned to my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  CARD XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX LOBEL FIN XXXX XXXX  ( Original Creditor XXXX XXXX AT T ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX CO ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Arizona address listed with my name on my credit report and I have never lived nor am I from that state. Someone used my name and SSN to establish identify.
Product: Debt collection

Im not liable for the debt with credit collection services. I do not have a contract with them stating I would pay them. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has obtained my personal information and has opened accounts in my name. 
XXXX XXXX XXXXXXXX : {$2400.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX : inquiry XX/XX/XXXX capital one : inquiry XX/XX/XXXX Please remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft, all is investigated by the FTC . According to FCRA 605B This information must be blocked immediately until the investigation is over.