23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I made a payment of {$15000.00}. It left a negative balance of - {$150.00}. On XX/XX/XXXX I received a refund from a merchant in the amount of {$29.00} which left me with a NEGATIVE balance of - {$180.00}. I made XXXX purchases on XX/XX/XXXX in the amount of {$1400.00} and {$110.00}. How can I be charged {$100.00} for interest on XX/XX/XXXX when I paid off my entire balance and had a credit??? I believe I was improperly charged interest in the amount of {$100.00}.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this law the late payments on my account should be reversed title. 
( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when I was declined for a credit card last yearXXXX and this year, XXXX and came to learn that I became a victim ofIdentity Theft. I can remember that I tried to get a loan through an online service in XX/XX/XXXX and before this time, and I suspected that as a scam. I believe that at that time they stole my personal information and used it to open multiple accounts and did inquiry also. I am listing them below, which are not authorized by me. Also, I have done a police report and fi led a complaint because I wanted to ensure that I was not liable for these fraudulent activities and wanted to ensure that these fraudulent account listed in the police report and Identity Theft Report are blocked from my credit report with Equifax, XXXX and XXXXThe Fraudulent Accounts Include : XXXX XXXXAccount Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX XXXXAccount Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX/DEP OF ED-Account Number XXXX XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX, AND XXXXXXXX XXXX XXXX-Account Number : XXXX, ( DATE OPENED : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting on my credit report. Under the FDCPA and FCRA it is illegal for XXXX to act on behalf as a debt collector. My credit and my life have been harmed due to these false reporting. I will seek monetary damages against all involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items on my credit file that are erroneously reported. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XXXX called me as I was struggling to make payments as my business closed during covid and just recently lost my job. They agreed to cut my payments in half and put the remainder on the end of the loan which was fine. Even though I didnt have the funds I made the payment on XX/XX/2023 as agreed. I was suppose to receive a document to sign to make the agreement formal. I never received the document, they said it was mailed could not proof that it was sent, and then made up that it was also emailed which it wasnt as my email hasnt changed. On XX/XX/XXXX, they repossed the car and of course now that they have the vehicle they want me to pay close to XXXX to get it back. The whole agreement was a lie, and this was a way to get money out of which i dont have when there entire plan was to take the car anyway.
Product: Credit card or prepaid card

I closed my card 4 days after I was billed an annual fee. I called the credit card company to close my account. They refused to prorate or credit my portion of this fee.
Product: Credit card

On XX/XX/XXXX, I received a welcome letter for the American Express Platinum card. I applied online for the line of credit. American Express immediately denied an extension of my credit. This counts as two violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

Adverse action is illegal. 15 usc 1602 section F and P both state credit is my right, and I can not be denied a right. The term creditor means someone who regularly extends credit. Credit is the right granted by a natural person meaning I am the original creditor. So how can American Express deny me access to my own credit? They can not go by a credit score
. The credit score is not the determining factor for credit worthiness. Its illegal to use this against the consumer because it leads to discrimination and misrepresentations.
Product: Debt collection

Will not give me a pay off letter, and every time I tried to pay what was on my credit report they would change the amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I recently received a copy of my TRANSUNION credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THESE ACCOUNT Accounts : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy 709 ) of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Thank you XXXX XXXX
Product: Credit card or prepaid card

I contacted the Capital one credit card costumer service to make dispute about XXXX XXXX don't want to give me refund for a lost package i purchased online by {$820.00} but XXXX XXXX answer my Bank with the wrong proof so send them back my proofs for lost package my bank told me you late we can't do nothing with XXXX XXXX because we didn't get your answer in the time i called my bank i told them i received the letter from you late too they told me we can't do nothing for you this is our policy with them if we don't get answer in the time we will close our dispute so contacted again more than 4 times my bank they said your dispute is close already we can't do nothing for you this is my information about my dispute : -my case Number with my bank:XXXX XXXX -my order number with XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to remove any ACCOUNTS later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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

Today I received in the U.S. Mail a letter from " Experian '' dated " XXXX XXXX, 2016. '' Under the " Address '' section of my " Experian '' credit report it lists a false address of " XXXX. XXXX XXXX ; XXXX, California ; XXXX. '' I have never lived in " XXXX, California '' nor I have ever own a " XXXX. XXXX XXXX '' in " XXXX, California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to " Experian '' about " Deleting '' this " XXXX, CA '' false address over 30 days ago, all to no avail.
Product: Debt collection

I paid off a debt I had to a college I attended, At the same time, I paid it off, I received a statement from a collection agency named Enterprise Recover Systems, XXXX, Illinois, that there was a current amount due. I explained that I paid it directly to the school and might have missed their correspondence, since I had just moved. They confirmed with the school and told me I was paid in full. I recently checked my credit report and notice I have them listed on my report and I called to discuss the matter. They claim that there is still a balance that is unpaid, I had asked them why did n't they send me any correspondence about a balance due. Instead they reported it and now it it listed on my credit report. She told me they do n't operate that way. How is it that I was professional enough to call them and address their XXXX letter and they are not professional enough to call me or send me a letter regarding a past due amount? Of which I already paid?
Product: Mortgage

I have a Mortgage with Penny Mac Insurance Company. I pay for my Flood insurance through them. On my home page with them they have listed a flood policy with XXXX XXXX XXXX that is active until XX/XX/year>. My problem is the account number with XXXX XXXX is not correct. When I call XXXX they do not recognize my name or account number. When I continually call and send messages to Penny Mac they state that they are not allowed to send Me the declaration page with XXXX. I explained to them that XXXX does not recognize my account number listed next to their name on my Penny Mac home page. 
I have a lot of flood damage from XXXX XXXX. I need to file a claim however I cant get the correct information. Im also told to contact my agent who I have no information on that. This was paid at my closing on XX/XX/year> by a Title company in Florida. 
I would appreciate assistance with this. The check was cleared for payment of flood insurance.
Product: Mortgage

I received a bill from XXXX County for my property tax XX/XX/XXXX ( which consists of 2 installments ) on XX/XX/XXXX and immediately sent a copy to my mortgage company, Dovenmuehle. This was done by email, to the same address I had sent all previous documentation to. 

I never received a confirmation that the tax was paid, which unfortunately has been common practice, but I assumed everything was taken care of. 

Fast forward toXX/XX/XXXX I receive a Notice of unpaid taxes - Intention to issue FIFA letter from XXXX County. Again, I send another email to Dovenmuehle immediately advising them to pay the due tax and the late fee at once. My husband then called on XX/XX/XXXX in order to make sure the issue was being addressed. The representative told him they never received the email ( which is a lie ) and to send it again, to the same email address (! ). The email with the attached late bill was sent again that same day. 

I decided to call the County every few days to confirm if the bill had gotten paid. After about 10 days of nothing, on XX/XX/XXXX, my husband calls the original mortgage company ( XXXX XXXX XXXX XXXX ), who then starts a 3-way call with Dovenmuehle. Once again the representative from Dovenmuehle tells him the issue is being taken care of, a check will be issued to the County and the late fee will be paid either by XXXX or Dovenmuehle. 

On XX/XX/XXXX I call Dovenmuehle to make sure the check has been issued and to ask what the tracking number for it is, so I can let the County know. I am told that the check was sent on XX/XX/XXXX and given the number of the check. I let the County know and I am advised to keep calling and not let this bill go unpaid ( obviously ). 

OnXX/XX/XXXX( today ) I call the County yet again to find out the bill still hasnt been paid. Since I dont want to ruin our credit and obviously cant trust Dovenmuehle to take care of things using our escrow account, my husband and I went to the County office and paid the bill plus the late fees in person. 

Dovenmuehle needs to be held accountable for their negligence by paying a penalty and refund us the original tax bill AND fees. We also want confirmation of EACH and EVERY payment paid out from our escrow account. This is someones life you are messing with!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an error & requested an investigation on my XXXX & Equifax credit report related to an account with XXXX XXXX # XXXX for the amount of {$330.00}. This account was for a hospital bill that belonged to my son and clearly states his name on the original document. They have refused to remove the item and/or re-investigate the account. I have even provided documentation and notified the original place of the bill to have my name removed from the account. Nothing has been done about this negative item on my account.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these account accounts, theyre hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) 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.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. The accounts in question are as follows : Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ; Experian - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX ; Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ; Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. These fraudulent accounts consist of credit card accounts opened at various creditors on different dates under specified account numbers. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

On Sunday XX/XX/year> around XXXX I attempted to withdraw {$900.00} from an ATM located inside the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The ATM notified me there would be a {$9.00} fee for the transaction bringing the total amount to {$900.00}. I accepted the {$9.00} fee and proceeded with the transaction. The ATM then showed an error message and failed to dispense any receipt. The ATM did not dispense any cash and I walked away empty handed. When I checked my bank account I saw the {$900.00} charge as pending onto my checking account. 

The following day on Monday XX/XX/year> the pending charge of {$900.00} posted to my account. Once I saw the charge had posted to my account I called the claims office at Chase Bank. They opened a dispute claim for me and temporarily refunded the {$900.00} to my account while they investigated. Also on Monday XX/XX/year> I called XXXX XXXX Security to see if I could obtain any footage of myself at the ATM. They told me the footage was good for two weeks but since I had already submitted a claim with Chase and they were investigating, I didnt pursue the surveillance video any further. 

Fast forward to Tuesday XX/XX/year> when I got a Chase mobile app notification that my account had been overdrafted. When I checked my account the overdraft occurred because Chase claims posted a claim reversal and the {$900.00} went back onto my checking account. 

I then called Chase Claims on Tuesday XX/XX/year> and they had informed me their investigation finished and the ATM company claims the funds were released to me. Chase claims instructed me to file a police report. After getting off the phone with Chase claims I called XXXX XXXX security again to see if its somehow possible for me to obtain the surveillance video but was told they could not give me any information since I was not the police. 

On Tuesday XX/XX/year> I went down to the XXXX XXXX XXXX center in XXXX XXXX, NV and filed a police report with XXXX XXXX. After filing the report I was instructed by XXXX XXXX to call the financial crimes division. Once I got home on Tuesday XX/XX/year>, I called the financial crimes division and left a voicemail since they didnt answer. 

On Wednesday XX/XX/year> I called financial crimes again and left a message. I also emailed financial crimes. I got an email response from them later that day and after some back and forth conversation of explaining my story, the financial crimes division of the XXXX XXXX XXXX police says what happened to me is not a crime. 

Now I am stuck and dont know where to go from here. I just want my money back.
Product: Debt collection

I received a call from Northeast Collection Bureau about a debt with XXXX XXXX. The company did not leave a message and when I called back the guy as very rude. I asked for the name of the company he was giving partial information. When I hung up the phone, the guy called me back still being rude. When I asked for the address of the company, he stated " why so you can send a cease and desist because you ca n't pay your bills '' then hung up. This company did not send me any letter in the mail or nothing. This my first time hearing about this company.
Product: Mortgage

I have submitted multiple requests to cancel my PMI insurance over many months and have received multiple responses from " we never received it '', " You still have more paperwork to send '', " you need to resubmit '', " We have no record of this request ''. They still have not cancelled my PMI even though it has been eligible to cancel for many months.