23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our Bank of America account XXXX reported a charged-off balance owed of {$4700.00}. After numerous attempts to have this removed legally, we decided to pay the reported balance owed. On XXXX/XXXX/2016 we received confirmation # XXXX from Bank of America for payment of debt. I havre also retrieved the cashed check showing the debt paid on XXXX/XXXX/2016. However, the XXXX credit bureaus of XXXX, XXXX, and XXXX are not reporting this account correctly. The account should be reported as {$0.00} balance PAID IN FULL account closed. However, for example, XXXX will no longer allow me to dispute this account because of past attempts to resolve it. This is in direct violation of my rights as a consumer and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ). The account needs to be reported correctly by all three reporting agencies so that I can move forward with my life now that this 6 year issue with Bank of America has finally been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Product: Checking or savings account

I believe I received an email or notification when I logged into my KeyBank Checking account that if I opened a savings account with at least a {$10.00} I would receive a {$35.00} bonus. I opened a KeyBank savings account on or around XX/XX/2021 with the first ( and only ) deposit of {$50.00} deposited on XX/XX/2021. I never received the bonus. I went to the XXXX, OR branch on XX/XX/2021 and asked why I didn't receive the bonus. The clerk didn't know and called corporate. I don't remember the reason I was told why I didn't receive this bonus, having just been told that I didn't receive the checking account bonus either. I just remember thinking that these promos were all deceptive.
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of collection accounts and hard inquiries that I did not open or authorize. These accounts include XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, opened on XX/XX/XXXX ; and XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. These unauthorized accounts have resulted in fraudulent collections that are negatively impacting my consumer FICO credit report. 

I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of these fraudulent collection accounts must be blocked and permanently removed from my credit file.
Product: Checking or savings account

Hello, the primary complaint is as follows : XXXX. I started a small business account many years ago. 
XXXX. The business account was not utilized a lot and thus we accumulated a lot of monthly fees. 
XXXX. We always paid the fees, etc. but ultimately without me asking, Wells Fargo closed the account, I think early in 2022. 
XXXX we received a check for the residual amount in the account in XX/XX/2022. 
XXXX the check was made out to the business account that was closed. 
XXXX. Since they closed the account they would not cash it. 
XXXX. I went to the bank on several occasions, and ultimately again today trying to find a solution. The amount of the check was small XXXX and so not worth a lot of my time, but the Wells Fargo bank branch turned me away. I asked to speak to a XXXX and they said they could not do anything. The gave me a number to call and I called this number and they passed me to another number and then passed me to another number. 
XXXX. The last call was with someone in the small business area that sends out checks. They told me the only way to do this is to go to the branch where the account was set up. 
XXXX. I have about XXXX hrs in on trying to get the check re issued in my name or cashed but no one can help. It is not worth my time and energy but on the other hand if this is the practice of the bank, they are making money off of this. strategy.
Product: Credit card or prepaid card

This account is a fraudulent account that was not opened by me. I keep getting statements in the mail and I never opened this card. You can check the transactions that it was not done by me. I went on XXXX and filed an Identity Theft report to help me take care of this.
Product: Debt collection

XX/XX/18 I, XXXX XXXX, received a phone call at work stating I have an account in collections and my name isn't even on the account. It is NOT my debt and they didn't bother to confirm who the owner is. Apparently they have been harassing my previous employer about it and never once sent anything in the mail to advise me they had an account in my name or I would have disputed it previously. This account isn't mine nor have I ever had this account in my name. My wife has faxed over a letter today stating they are not to contact me any more especially at work. They need to confirm who this account belongs to. Also, I filed Ch XXXX bankruptcy and they show it was included.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi I was trying to use xoom ( https : //www.xoom.comXXXX  ), A XXXX affiliate company to send money to XXXX. They collected all the information and then cancelled my transaction. They asked me to provide the ID Proof ( Drivers License ) and Bank Statement ( Which I did provided ). 

Date of Transaction : XX/XX/2022 Date of Document uploaded : XX/XX/2022 Date of email received about failure to receive the documentation : XX/XX/2022 However I recieved an email that they can not complete the verification. 
When I called customer service on XX/XX/2022 at XXXX XXXX EST, the customer agent told me that my statement is ending on XX/XX/2022 and they need the recent activity showing my current balance from the bank website and I will receive an email with instructions on how to provide this information. 

However I never received an email. When I contacted customer service again and asked for supervisor, he told me that they only accept Montly bank statements and will not accept my latest activity downloaded from bank as valid proof and I can only upload my next bank statement on XX/XX/XXXX and therefore they are cancelling the transaction. 

This was not what I was told on phone and despite me having sufficient money and ability to demonstrate that, they refused to process my transaction. In the process I lost money due to exchange rate fluctuation. 

I tried to reach out to both xoom and XXXX  and they told me they have no complaint departments for these type of complaints. 

My request is they disclose their policies clearly on type of document they are collecting for verification and specify that bank statement is the only one acceptable to demonstrate the balance so that consumers can make informed decision. Also the information provided by multiple xoom agent was misleading and caused additional delay for me to find alternate service.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party service. I have filed a FTC complaint # XXXX I have unauthorized inquires on my report and I am requesting have them removed in accordance with FCRA law. I will seek legal action if these inquires remain with Transunion and Equifax.

Unauthorized Inquires XX/XX/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 Inquiry Made : XX/XX/XXXXXXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXXXXXX XXXX Inquiry Made : XX/XX/XXXXXXXX XXXX  Inquiry Made : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Made : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Wow! Nasty trick on my Chase Credit card. Glad that I caught it... I'm sure that many will fall for it. I went to my Chase App looking for my statement balance with the intent to pay in full. Usually they will list the minimum payment due along with the full statement balance. Today, the " Full statement balance '' was replaced with " remaining statement balance '' ( full balance - minimum payment ). This would have of course led to me not making a full payment and being subject to fees and charges. I had to open an additional page in order to find the " full balance '' to pay in full. Nasty trick!
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>XXXX XXXX
Product: Mortgage

We sent certified to Mr. Cooper and the issue is still unresolved. After Mr. Cooper 's review is still are short in escrow, due to their errors since XXXX example : Starting XXXX XXXXwe start the year with {$390.00} plusand all the way through XXXX XXXX with a positive amount.Started XXXX XXXX with negative {$90.00} and we were paying {$210.00} every month in escrow until XXXX. XXXX escrow should have stayed the same or slight increase.Mr. Cooper decreased our escrow starting from XXXX. XXXX from {$210.00} to {$130.00} until XXXX XXXX causing a huge shortage coming out of XXXXMr. Cooper states that 2 homeowners insurance submitted for payment - both from the same company on XXXX XXXX, XXXX the amount of {$1100.00}. and then XXXX XXXX, XXXX {$70.00} came-but Mr. Cooper only included {$70.00} in escrow analysis for XXXX. 
Other errors by Mr. Cooper were the following : We pay 2 taxes : a property tax and home taxMr. Cooper is charging us a misc. tax - which the state of SC knows nothing about.From XXXX {$220.00} shortage for the year - which increased our mortgage payment to $ XXXX.From XXXX {$120.00} shortage for the year-mortgage went to $ XXXXFrom XXXX $ XXXXshortage for the year-mortgage went to $ XXXXThrough no fault of ours-the payment should not have dropped that low. 
The reason they gave us again was the escrow analysis only included the {$70.00} the error on their part.We are not aware of how the insurance company submitted for payment. 
The escrow analysis in XXXX XXXXfrom Mr. Cooper- is showing a {$3200.00} shortage.The analysis is showing what our new mortgage payment would be from {$770.00} to $ XXXX6.Mr. Cooper after submitting all the paper work pointing out errors that were made completed supposedly another anaylsis : $ XXXX taking our mortage to $ 1,012.07.Taking {$360.00} from the original {$3200.00}. Payment to escrow amount $ XXXX mortgage payment of XXXX {$370.00} went to escrow.Still say we owe {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to cancel my account as I continue to get charged monthly, and their app no longer works. When I call to cancel, they do not let you proceed unless they identify you by your social security and zip code. Once I put in that information, I am told by a recording that I do not have an active account. I have no option to proceed or speak to a representative, that is the end of the call. There is absolutely no way to speak to someone by phone, to cancel by email or mail. I need to cancel my account and they are making it impossible.
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at a personal installment deposit account opened at XXXX, XXXX on XX/XX/2023 with a balance of {$100.00}. 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 XXXX 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 reporting or other personal consumer reports

Discover Student  Loans was the servicer for my loans that I had elected to put into deferment due to extended nature of my residency training. According to Discover Student Loans, there is an accepted deferment period for borrowers in residency/internship, per verbiage on their own website. I filled out the appropriate form, dated XX/XX/year> ( before my next payment was due ) and submitted to them along with a copy of my contract with my start and end dates. All of the information was correct and acceptable formats. 

Discover has placed me in delinquency despite being in deferment in accordance with the information I provided them on XX/XX/year>. They credit reported me as delinquent in my payments over 60 days. This is all incorrect reporting as they are fully aware of and have copies of all of my records and yet they deny having any such documentation. 

My accounts were transferred to XXXX and they immediately processed my deferment within days of receiving the same paperwork. 

Discover refuses to take any action or responsibility for incorrect credit reporting which has affected my credit score and will affect my ability to borrow or be eligible for credit due to an error of their own and they keep referring me back to XXXX and denying any responsibility for their own mistakes.
Product: Credit card or prepaid card

AVANTUS LLC - Mortgage Reporters Inquiry Date XX/XX/2020 I tried to reach out to this company several times by phone, and email to get this removed from my credit report. I do not recognize this and did not authorize this credit inquiry. This company has very poor customer service or communication regarding this matter. I had no other choice but to contact CFPB to get this taken care of. I have been trying for several months with this company but they do not cooperate. They didn't even give me any documentation or paperwork showing any proof of this inquiry being authorized by me. Please have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis inaccurate.
Product: Credit card

Although I usually pay my balance in full every month, My Capital One Venture Credit card was not paid in full on XX/XX/2023. The next month I was charged an interest fee for the balance owed ( as expected ). My XXXX payment was paid in fullthis included new charges as well as the previous owed amount. In XXXX, my bill include an interest fee of {$8.00}. When I called Capital One, I was told that it was there standard of charging interest on an unpaid balance ( even though that balance had been paid in full ) for two consecutive months after the amount was paid. I told them that was robbery and refused to pay it. The agent told me as a one time courtesy, she would remove the XXXX charge. However, since it was a 2 month fee, my next bill would include an interest charge. 

Now if I were still carrying a balance, I would expect to incur additional fees. However, when a balance is paid in full, there should be no fee attached to that balance. This should be against the law! They have arbitrarily decided to charge an interest fee on a paid balance. This is stealing expecting the consumer wont notice or complain. Well, Im complaining! This practice has to stop!
Product: Debt collection

The debt collector engaged in sewer service to obtain a default judgment against without actually notifying me. The " proof of service '' indicates that service was substituted with a mysterious unnamed " co-resident '', who did not give a name and, in fact refused to accept the service. I had no co-resident and was not home at the time. Thus it is impossible that service could have been made this way. I was unaware of the legal action and, thus, was unable to defend myself. Now, 10 years later, the debt collector has sent a wage garnishment to my employer. I contacted the debt collector in an attempt to resolve the issue as the wage assignment would cause great hardship. I even offered to pay in full by credit card as I don't have the amount alleged to be owed. They claimed that they do not accept credit cards, which is false as their website states plainly that they do.
Product: Debt collection

After XXXX XXXX could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for much they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this XXXX XXXX account from my credit report. SEE ATTACHMENT. XXXX was just trying to collect a sum of money I never own them.. I REQUEST XXXX AND EQUIFAX TO DELETE THIS ACCOUNT IMEDIATELY FROM MY CREDIT REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

I found out that Indiana do not allow loans past a certain intrest rate
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a bankruptcy filed XX/XX/XXXX with XXXX XXXX XXXX TEXAS, an auto loan account opened XX/XX/XXXX with XXXX  XXXX, an account with XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXX and fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has  dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and Ditech just " confirms '' the information. I have written and called Ditech several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX XXXX XXXX fighting for her life. I had to fly to XXXX and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to XXXX and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet.

3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.