23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced a house in XXXX of XXXX. Our Bank of America mortgage was sold at that time and the account closed. As of XXXX XXXX they are still reporting late payments. The account even says closed XXXX. We discovered this in XXXX of XXXX and asked them to accurately report. They have not done so. I am trying to purchase a new home and this is still an issue. They wo n't return calls or fix the issue.
Product: Checking or savings account

bank of America overdraft accounts to collect fees, i have checking account with a little money on it as i deposit daily they made up fees {$35.00} overdraft fees XX/XX/2022, when i called why this fees i didnt use my card where is the transaction that over-drafted the account representative claim its 2 days ago {$60.00} transaction i told her it was taken already from account and if account have {$5.00} and XXXX transaction it would go XXXX not XXXX as you put, then she took it off the next day they put it again as if i m not going to be looking. i called again and the rep said something else that it was transaction {$48.00} a day ago i said it should be XXXX not XXXX he insisted its right and kept the fees. they did this again in XX/XX/2022 when i had {$43.00} in the account no transaction happened n they charge me {$10.00} overdraft fees they changed fee amount. i called to ask why i was charged fees and which transaction that caused it i got the same nonsense. i figured out that it seems the bank make up any reason to charge overdraft fees, specially i m exempt from maintenance fees because i deposit and use average of $ XXXX  monthly
Product: Mortgage

Received misleading mailer, which looks like an official document, but is actually just an advertisement. The envelope specifically states " Response Required ''. The Ad itself states that there are changes and has an year on the top right, which makes it look like it came from the IRS or other government source.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this specific account XXXX Transunion reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. XXXX  reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from Transunion and XXXX  needs to be removed and XXXX  needs to show that the full balance was paid. 

Correspondence Log with XXXX  : XXXX XX/XX/2021 Rep : XXXX Call ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXXXXXX XXXX. Ticket ID XXXX Received response of dispute from XXXX  ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min at XXXX XXXX. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Product: Debt collection

Firstly, I was never informed that I owed them. Never received a call nor letter from them. Received alerts from XXXX  and XXXX. Found out that Resurgent Capital Services had placed a negative item on my credit report. I sent them three certified letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for validation of the debt. To date, they have failed to provide that but opted to send me a debt verification 6 weeks after my initial contact on XX/XX/XXXX, which is clearly not what I requested. I specifically requested the following : 1 ) a detailed statement reflecting all credits/debits and fees associated with the amount owed, starting from the first day the account was opened to the last day it was closed, showing all transactions and how they arrived at the amount owed, 2 ) I requested a signed copy of the Card Holder Agreement indicating amounts of all fees associated with the account, 3 ) I requested that Resurgent Capital Services provide proof that they have the authority to operate as a debt collector in the state of Pennsylvania. Non of the above requests have been provided as of XX/XX/XXXX and yet they choose to maintain the negative item on my credit report.
Product: Credit reporting or other personal consumer reports

I informed Equifax that I did not provide them with my written consent to report derogatory items on my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.
Product: Vehicle loan or lease

I got a vehicle from us auto sales XXXX of 2023 car was caught on fire in XXXX of 2023 my insurance company totaled the vehicle out for XXXX to us auto sales at this time they were closed down out of no were so I was unable to get another car after trading my car to them and paying a deposit now they telling me I still owe thm another XXXX when they car was XXXX and them settling with my insurance company for XXXX now they put it on my credit report and I didn't even have the car a month so im.out of 2 cars my deposit they pay out and they still saying I owe them XXXX still tryna charge me for a car they was paid for this not right please help me.
Product: Money transfer, virtual currency, or money service

Venmo has held a {$500.00} transfer and has refused to unlock it or refund the money.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included the following items in my previous Complaint and I am including these again 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
Product: Credit card or prepaid card

Capital One as of XX/XX/XXXX is showing on my credit report as charged off with a high balance of {$960.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit the date the account was reported deliquent was XX/XX/XXXX and I believe it was earlier than the date they are stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies listed below, EQUIFAX, XXXX both have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : 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: Money transfer, virtual currency, or money service

I created a Coinbase account in late 2017. My identity was " verified '' by them on numerous occasions. Despite this, I can not access my funds because Coinbase continues to say that I need to verify my identity. I have congratulatory emails from them stating that my identity has indeed been successfully verified. I've sent multiple emails to their support team only to get back an auto response telling me to keep trying to verify my identity. On their own site it even shows that my identity has been successfully verified. I'll attach a screenshot. At this point I just want to close my account and get my money back but I can't even do that. Please help.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to make amendments to my previous complaint as there are some unintentional errors. The complaint associated with # XXXX is to be void and replaced by this one : AMERICAN EXPRESS entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to a third party non affiliate. Their terms and condition say they do not provide my information to third party non-affiliates. they violated their own terms and condition when they shared my information with the credit reporting agencies ( XXXX, XXXXXXXX XXXX  ). Additionally, they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXX/XX/year> -- {$9500.00}
Product: Credit reporting

I took a test drive at XXXX IN XXXX, ARKANSAS on XXXX XXXX, 2015 and specifically ask if they would run hard inquiries because I just recent had the last XXXX removed. They said " no hard inquires would be ran '' and they had XXXX banks run hard inquires which lowered my credit score XXXX and assumed 2 year expiration period. I did not authorize any hard inquires. Can you please help. 

Thank you, XXXX
Product: Payday loan, title loan, or personal loan

My name XXXX XXXX My account # XXXX XXXX XXXX XXXX I bought phone XX/XX/ =check in -online and pickup from near me store. It was XXXX Store of XXXX. 
I chose the payment plan, which is more convenient for me. 
This is a 24 month plan for a single payment of XXXX 
I got approved. I went and picked up the phone at the XXXX XXXX, CA. 
I downloaded the application ( aka XXXX XXXX, but it was TD Bank ( as on TD XXXX Card Servises ), linked my debt card And set up auto payment ( as I thought ). 
And forgot about it. BUT- AutoPay and System Notification is not working in your app. 

But I found out about this three months after the purchase. What saddened me. 
In these months of delay, I did not receive either a letter No any emails. No any SMS about missing payments, nothing. 

somehow I became the owner of a XXXX  credit limit. I did not agree to this. I was deliberately misled. I wanted to buy a phone for XXXX. Everything else is the use of official position to sell credit limits. 

I deliberately became a debtor and creditor who is a millimeter away from a drop in credit rating. The bank did not answer the question why I have a limit of XXXX XXXX. 


I want to get rid of obligations to TD Bank ahead of schedule for deliberately misrepresenting a loan product, hushing up the terms of service. This is the worst banking app I've ever used, which has resulted in my credit rating getting worse and incurring unexplained debts. Help get rid of. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report my personal seems to be compromised and I noticed inquiries from 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 XXXX, XXXX XXXX XXXX XXXX DO NOT belong to me and I have not received services nor goods from these providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within XXXX days. 
Identity Theft Report # : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  from US AUTO SALES in XXXX, GA in XXXX XXXX. The car began having issues in late XXXX XX/XX/XXXX and eventually broke down & left me stranded at work. Long story short, I have made MULTIPLE attempts to speak with someone in management or even in Service/Claims dept about the constant issues and to see if they would try and help make the situation right, but I have yet to speak with anyone. The car is a complete LEMON. I've made the same repair once already, and it's now having other issues to the point that I haven't been able to drive the vehicle since XX/XX/XXXX, and the car has been towed 3 times. It's been sitting in a family member 's driveway for over a month. I've made MULTIPLE attempts to contact ANYONE at US AUTO SALES that can get me a solution, but I can't get anyone to speak to me ( except for the customer service people, and all they can do is handle payments & transfer me to the Service department, which never answers the phone. ) I have been dealing with this for over 2 months now, and nothing has been done. I refuse to make any further payments on the vehicle, when it's been completely inoperable for over 2 months, and US AUTO SALES has done absolutely NOTHING to assist me in this nightmare. I have gotten 2 mechanics ' opinions on what the issue is, and after doing plenty of research, I've learned that this particular year/make/model car has A LOT of known mechanical issues. The # 1 reported issue is engine & transmission issues. The car was only 2 years old when I bought it. I hadn't even had it for a whole year yet, when the car broke down. Trying to speak with anyone besides Customer Service ( who can't do what I need done ) is IMPOSSIBLE, and completely ridiculous. They have been the absolute worst business I've ever had the dis-pleasure of dealing with, and I've never filed a formal complaint on any business EVER. In addition to this complaint, I've also filed complaints with the XXXX  and Georgia Department of Used Motor Vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

On some accounts its showing that I had a late payment one month ago but the account have not been late in over a year and this one month reporting is dragging my scores down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the response from XXXX  dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that XXXX XXXX XXXX will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage Statement that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a XXXX representative to explain the reason for the new charge. It is on record that the XXXX representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from XXXX XXXX XXXX has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the XXXX XXXX XXXX ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by XXXX are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by XXXX XXXX XXXX, relevant pages of my Credit Report from Experian, XXXX, and XXXX showing XXXX entry of payments as reported by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the credit bureaus once again that I am a victim of identity theft and request the removal of these fraudulent items from my credit file. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items associated with identity theft. Here is the list of items I need removed : XXXXXXXX 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 XXXXXXXX
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 1681. 

XXXX XXXX XXXX XXXXXXXX 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, has violated my rights.

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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid both XXXX XXXX  XXXX credit card and balances are XXXX. XXXX 

CREDIT INQUIRY BY EXPERIAN AND XXXX ARE UNOUTHRIZED AND SUCH INQUIRIES MUST BE DELETED PRIOR TO FILING FCRA LAWSUIT
Product: Debt collection

just saw this report on my credit report from equifax. 
This is wrong and I did not own any company money. 
Please remove this incorrect report from those company just try to collect some {$80.00} dollars that I did not owned. 
Thanks for your support, Bests regards, XXXX XXXX