23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a mortgage with Bank Of America. It was transferred to XXXX effective XXXX/XXXX/2015. I just checked my credit reports, and discovered Bank of America has reported us 30 days delinquent for XXXX 2015. After spending 2 hours on the phone, I was sable to clarify their rationale for our reported delinquency. Our mortgage payment had been XXXX. We paid that XXXX/XXXX/2015 and BoA confirmed receipt. However, BoA says they reanalyzed our escrow in XXXX and discovered our real estate taxes had increased. They claimed to have sent us notification prior to the XXXX XXXX payment due date to this effect. We have no record of this letter. BoA reanalyzed our escrow a second time in XXXX, and sent us another letter dated XXXX/XXXX/15 informing us of this and advising our new payment amount was {$1500.00}, effective XXXX 2015. We interpreted this to mean our XXXX payment was the same as previous, and that our increased payment began in XXXX. We paid our XXXX installment XXXX. We then received a notification form BoA advising us our escrow was short {$170.00} due to the real estate tax increase. We made that payment XXXX via check. the check was cashed. We then made our XXXX payment for {$1500.00} on XXXX XXXX. Now, BoA claims we were technically delinquent in XXXX. They ca n't adequately explain why.
Product: Credit card or prepaid card

I hade a credit card with best buy and its threw Citi bank. There was a charge on XX/XX/XXXX for the amount of XXXX. I did not make the transaction because I lost my wallet at the time. it was an online purchase and shipped to the address I live in before. i did not make this transaction and after i spoke to them they did give me a credit for the full amount and after they investigated said that i was going to pay for the charges i asked i did not make it and what can i do to prove that i did not they said they can tell me what to do they said that they will open it again and see what they can do they send me a letter saying that they did the investigation and im at fault for the charges. called again and they said that i can send them a bank statement for the amount threw fax id di comply and they said that they did not receive it and will not open the investigation unit they do. they said give it will Monday XX/XX/XXXX to see if they do get it if not they will look at other options
Product: Debt collection

PRS rep during discussion a little while ago would not provide any further info other than my health care provider requested the collection and that I owed the money. Strange conversation as the rep on the phone seemed like she was struggling to validate these collections documents I received. She ultimately told me I owed four separate collections accounts, yet I received six separate demands for payment. No info received from collection agency to eliminate concerns of a scam in progress. 

My wife called the XXXX XXXX billing department last month with these documents in hand, she explained to the billing department what she was holding and she was told this is a scam and that I owed nothing according to their records. 

My medical coverage has not changed this year or last year, and I have {$0.00} co-pays per visit, per XXXX, and for medicines. 

PRS - Payment Resolution Services, mailing : Attn : XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. Phone numbers XXXX, opt XXXX. 

Refund requests received last month : PRS Acct # XXXX, Client Acct # XXXX, XXXX  Date : XXXX, Services provided after termination. Amount : {$18.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, XXXX provided after termination. XXXX {$18.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, Services provided after termination. Amount {$32.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX, XXXX provided after termination. Amount {$18.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, Services provided after termination. Amount {$16.00}. 

PRS Acct # XXXX, Client Acct # XXXX, Svc Date : XXXX to XXXX, Services provided after termination. Amount {$18.00}.
Product: Money transfer, virtual currency, or money service

I added XXXX $ to my cashapp account on XX/XX/XXXX. It was sitting in there for XXXX days and was approved by my bank. I checked my account on XX/XX/XXXX and the XXXX $ was gone from my balance and the transaction said XXXX $ failed XX/XX/XXXX. I contacted cashapp support and they said since there was a past dispute for XXXX $ back in XXXX from my bank the transaction was reversed and to contact my bank for more details. I contacted my bank and they said the dispute was declined and they have no record or indication of them cancelling the new XXXX $ add cash for XXXX. The only thing they had was that the XXXX $ add cash was successfully received to my cashapp account and to contact cashapp support again. So I contacted cashapp support again and they said the XXXX $ transaction was reversed and contact your bank for further details and hung up on me and refused to answer where my money is or if it was going back to my bank account.
Product: Credit card or prepaid card

I have called Citibank several times over the past few weeks. I had a credit limit of XXXX untilXX/XX/XXXX, when I PAID off my card balance. They then cut my credit limit to {$500.00} - even though my credit score went UP 50 points. I called today, XX/XX/XXXX, to complain, and my card was closed. They then told me I would need to REAPPLY and couldn't guarantee that the card would be reopened.
Product: Mortgage

XXXX misapplied payment of {$1600.00} for XX/XX/XXXX error : statement shows XX/XX/XXXX on both XXXX & XXXX monthly mortgage statements correction : credit should be for XX/XX/XXXX XXXX XX/XX/XXXX was already applied on XX/XX/XXXX in the amount of {$1600.00} error : statement shows XX/XX/XXXX on both XXXX & XXXX monthly mortgage statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are impacting my ability to gain credit. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

My account with CAPITAL ONE, account number is XXXX, should have no 30 days late on the month of XX/XX/2020 and XX/XX/2020 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. As you can see, I have a good records in paying these. With that being said, sending written letters and a lot of attempts on reaching out to 3 Credit Bureau and Creditor were neglected. This should be corrected immediately.
Product: Debt collection

XX/XX/2019 A lady called my work, demanded to speak to myself. My co worker asked to take a name and number she told her name and the company she was with XXXX XXXX. I called her back, she was very hateful telling me that if I didnt pay this {$120.00} I will be sued and my wages would be garnished, asked my why it wasnt paid, why did I let it get this far into collections, I advised her I wasnt aware it was turned over, she said she will be taking legal action if it wasnt paid today. I told her well I dont owe you I owe the hospital, she said well now u owe me. And you need to pay up. I got mad and hung up on her bc she called my work to begin with instead of my cell phone. She then attempted to call my work again several more times. Within the next few days, several times a day.
Product: Money transfer, virtual currency, or money service

Venmo has blocked over {$8000.00} on my venmo wallet since many months now! 


in XXXX they wrote me the following : You have a new message from Venmo regarding request XXXX XXXX  To respond, simply reply to this email. 
Hello XXXX, Please reread the email you received. As was explained in the email you are replying to from my colleague, XXXX 

Please note that you will only be able to transfer the funds in your Venmo account to a bank account using our Standard Transfer option XXXX XXXX XXXX XXXX XXXX. You will NOT be able to Instant Transfer your remaining balance to a debit card or bank account. 

Bank-funded transfers in and out of Venmo are reviewed and could be delayed or blocked if we identify an issue. Reviews may result in funds beingheldor removed from your account. For more information, please read aboutReviews of TransfersIntoand Out of Venmoin our Help Center. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- - but untill today their system is not allowing me to add my new bank account! its been half a year they have my money! and fool me around with copy paste emails!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus XXXX, XXXX and Equifax regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Product: Money transfer, virtual currency, or money service

I was in the final week of closing on a property in Texas. The house was supposed to close on XX/XX/XXXX in Texas. On Monday, XX/XX/XXXX, I was emailed ( along with my lender ) at XXXX and asked for contact info for the buyer. The display name of the email was the same person who I have been working with at XXXX XXXX based in XXXX. The actual email was " XXXX '' which is different from the real email of XXXX XXXX contact. The loan officer for my lender responded with my name, email and phone number. About XXXX minutes later, I received an email asking me to wire the funds to close on the property, without anyone else on copy. This email came from the loan officer as the display name, but it was actually the same XXXX  noted above. I responded to their email multiple times and they provided the wire instructions. I wired {$100000.00} to XXXX XXXX XXXX, however, did not list the beneficiary as the scammer requested. Instead I put XXXX XXXX on the recipient 's as the receiver account name. I used the account number provided on the scammer 's wiring instructions XXXX. When at closing to sign documents, I told the closer that I wired the closing funds. The closer called the title company, and title said they didn't receive it. Then I contacted my loan officer, and he said he didn't provide the wiring info. That's when I looked back at the emails and realized it was a fraud. I contacted Chase Bank that day ( XX/XX/XXXX ) to recall and reverse the wire. I also submitted an XXXX case to the XXXX  the same night and have been in contact with an agent. He said the resolution needs to come from the banks, but that the scammer 's account was frozen, and the money is held by XXXX XXXX XXXX. A few of the XXXX address in the different scam email headers are XXXX XXXX XXXX Since this happened, I have visited Chase Bank ( multiple branches on XXXX, XXXX, XXXX, XXXX ) and called the recipient bank ( XXXX XXXX ) multiple times. I called Chase Bank 's wire department every day for the first XXXX weeks, and called the consumer complaint department many times. I have called XXXX XXXX XXXX branches ( including the one where the account holder is ) as well as the general customer support. Chase has tried numerous times to contact XXXX XXXX XXXX. According to Chase, XXXX XXXX XXXX has not responded or even acknowledged receipt. Chase then closed the recall due to XXXX XXXX not responding. During a visit and a follow up call to Chase, I successfully reopened the recall case and asked to escalate. I also filed a complaint with Chase bank for closing the case after about XXXX weeks of it being opened. When I contact XXXX XXXX, they will not give much information since I do not have an account with them. They said they do respond to messages and are unsure why Chase would claim XXXX XXXX hasn't responded. I am also filing a police report and will be emailing the executive teams at both banks today.
Product: Credit reporting

credit reporting companies reporting XXXX late auto payments / should only be XXXX
Product: Debt collection

Around XX/XX/XXXX I received an email from Spring Oaks Capital , LLC letting me know Spring Oaks Capital SPV , LLC now owns my WEBBANK account, following by a collection notice in the mail around the next, letter dated XX/XX/XXXX, also stating they are trying to collect a debt now owned by Spring Oaks Capital SPV , LLC. This letter also mention account number XXXX, and that the creditor on XX/XX/XXXX was XXXX XXXX XXXX. The alleged balance is {$10000.00}. On XX/XX/XXXX I sent a certified letter advising Spring Oaks Capital , LLC that I was disputing the debt and request validation, at the same time letter was emailed to XXXX, the letter was received on XX/XX/XXXX, same sate I got another email attempting to collect the debt and asking me to review the account online to explore a variety of flexible options. Still they haven't knowledge my dispute or provide requested validation of the debt. On XX/XX/XXXX I was made aware by XXXX XXXX that a collection account was added to my report by Spring Oaks Capital , LLC, drastically affecting my credit score, so I went ahead and sent another letter by email and regular mail as a reminder that I was disputing the validity of the debt and again requesting evidence stablishing my legal obligation to pay the alleged debt. Today is XX/XX/XXXX, making 60 days of my initial request, the account still on my XXXX XXXX credit report, and they still haven't validate the debt.
Product: Credit reporting

I contacted Transunion about a hard inquiry that I did not authorize. Transunion told me I need to get a letter of deletion from the actual company XXXX XXXX XXXX listed. I called that company and they informed me to dispute with transunion to look into the issue. I have gotten the run around from both XXXX and transunion. XXXX told me that they cant find where I made the inquiry but somehow it ended up on my credit report. This is a mistake that I can not get Transunion to look into. XXXX repeatedly told me that they do n't give deletion letters. Transunion told me they ca n't do anything about the removal of the inquiry without the deletion letter. I am lost and do n't know what else to do.
Product: Checking or savings account

I was ordering an XXXX to go home the night of XX/XX/18. I set my location as a XXXX supermarket and I called them to make sure they knew where I was. They told me they know where I am. I saw them drive by the supermarket. There was two XXXX that did this. One of them says I was not charged and the other one says I was charged {$5.00}. However I was charged the full price of the uber on my card. One was {$9.00} and the other one was {$11.00}. I set the right location and called them to make sure they knew where I was, it wasnt a hard location to find. I had to beg the third XXXX driver to not cancel on me and meet me in the same spot I have been this whole time and is the location I set on the phone. I filed a complaint on the XXXX website and have not heard from them since this incident happened. Here are the uber, date and time it was ordered and canceled. 
XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Been in response to Experian since XXXX. On XX/XX/XXXX they finally responded and indicated they couldn't complete my request due to verification not sent, when clear copies of SSN, ID and Proof of Address were sent via certified mail. Experian also indicated on XX/XX/XXXX - creditors need to be contacted, in which in previous dispute - this was already stated that creditors were contacted. Experian hasn't completed any investigations and accounts are clearly unknown and not verified, with clear evident in violation of Federal Laws.