23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ordered a knife from XXXX XXXX XXXX, XXXX XXXX WI and used my XXXX XXXX CREDIT CARD to pay the {$13.00}. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, TX XXXX, keeps billing me for {$13.00} each and every month. I have called XXXX XXXX at XXXX and voiced my concern and they said they would take care of the matter. Now I received a letter demanding {$26.00} that I do not owe. XXXX XXXX is threatening to diminish my almost perfect credit record. 
I have never missed a payment with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.
Product: Mortgage

Called Rocket Mortgage because they refuse to apply my principal and interest payment to my loan unless I pay the escrow payment also, which is unnecessary because we sold our house and close on it later this month. That money is ours, it comes back to us, and is not required for accurate credit reporting. They can't force a late payment on me for not paying thr escrow account during a home transaction when the principal and interest was paid on time. If they report negatively, then it will prevent my home transaction during my move. This is not legal. Escrow payments are voluntary. Not forced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success. Please help me resolve this matter. I want to exercise my Privacy Rights as well I did not consent to this 3rd party company housing my information. According to Family Educational Rights and Privacy Act ( FERPA ) I have the right to my privacy.
Product: Debt collection

On XX/XX/XXXX I received my paid in full notice for a XXXX XXXX XXXX credit card from XXXX XXXX XXXX XXXX XXXX. I had previously settled with them for the amount of {$4700.00}. The notice, which I have included in this complaint indicates that the matter is closed both with them and their client. Recently, in XXXX a debt collection agency for Shermeta Law group has been attempting to collect on the debt, despite the fact that it had been satisfied with the previous collector. I have contacted Shermeta, and they indicated that if I sent the relevant document they would review it and respond to my concerns, generally within XXXX hours. This was several weeks ago and they are no longer responding to me, despite the fact that the Paid in full notice I sent them features the very account number that they are currently trying to collect.
Product: Checking or savings account

I deposited a check for {$9000.00} into a Bank of America ATM. The ATM read the check as {$1000.00} and would not let me cancel the transaction. I called as soon as business hours opened to fix the issue. They told me it would be resolved. The problem was not resolved and Ive spend numerous hours on the phone and 2 hours in the bank. I have a picture of the check in the ATM slip. It clearly says {$9000.00}. The bank told me I have to wait up to 10days while they file a dispute even though they can clearly see the check is for {$9000.00}. They are purposely holding up my money. 

Its absurd that they do not look at the actual check. The check cleared out of my clients account for {$1000.00} instead of {$9000.00}. What if it misread it as {$100000.00} and tried to take the money out. If I made a mistake they would charge me a fee and when they do I have to wait 10 business days for them to fix it.
Product: Credit card

I signed up for a XXXX credit card due to the fact I had purchased a boat and at our XXXX they were advertising {$.00} per gallon rebate for the first 3 months if you spent more than {$1000.00} per month which I did. They have not given me my full compliments of rebates since they say they do n't recognize the marina as XXXX even though on my monthly statement on all but one transaction it 's listed as XXXX XXXX. I had contacted Commenity bank the first time on XXXX XXXX and it is still not resolved.
Product: Debt collection

I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$32.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit card or prepaid card

Was signing up for renter 's insurance with State Farm and she mentioned a reward points program, but never mentioned signing up for a credit card. She automatically ran a year 's worth or renter 's insurance to the new credit card. I just wanted to pay with the XXXX card I already have, never wanted to sign up for another card.
Product: Credit card or prepaid card

Hello, Was finally able to access my account through Grains app, although it kept disconnecting from the connection to my bank account. XXXX problem is that every time the connection to the bank account disconnects, the app wont let you do anything. Same issue as before but thankfully this time was able to stay connected long enough to make a payment. 

Grain states due date is on XX/XX/XXXX. I had autopay turned on but never received any notification that my payment was scheduled. I scheduled the payment on XX/XX/XXXX and suddenly got an email my account was still past due. 

This has been confusing because if I cant access the app then I cant access the statement that Im supposedly receiving every month. I got another email that my due date is XX/XX/XXXX so I should have been on time and should not have gotten a late fee charged and also gotten a late payment mark on my credit report. 

Grain please fix this, this is the second time this has happened and the excuse I keep getting is that I should have gotten a statement through the app, but how does that help the customer if the customer cant access the app?! And also if the customer keeps getting incorrect email information!!! XXXX attach another screenshot of another email from Grain stating the wrong information. Ive never had payment issues with any other bank/credit card other than Grain!! My only negative mark on my credit report. 

Please review the screenshots included. Last time they were just brushed off
Product: Vehicle loan or lease

My house caught fire XXXX XXXX XXXX  Ive been struggling to pay and needed my loan lowered Ive been threatened with a bad credit report and repossession
Product: Credit card

Being prejudice judging me off, data collected from other credit, reporting agencies, 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805. Title 15 subsection title 1611 faults, misleading denial of my own credit violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander XXXX This account is current however, it is being reported as a Charge off with a past due balance of {$11000.00}. These statements are FALSE and preventing me from getting the credit I deserve. I have contacted Santander several times and do not get an accurate response or update.
Product: Mortgage

I have spent the last 2 years trying to get a loan modification through my current mortgage holder Mr Cooper. I have been stuck in a non stop repeat cycle, I fill out all paperwork and gather all documents requested, follow up and am told they have everything they need, then the next week I follow up the person that tells me they received everything is no longer available and that Im missing documentation that I confirmed they received the previous week. I then resend everything that Ive already sent and call to follow up and they say my application has expired and I have to start the process over again. After about 12 times of doing this I got fed up and complained and was transferred to the escalation department who tell me they will be my single point of contact and then they do the exact same thing, tell me they have everything they need and then the next week Im dealing with a new person once again telling me to start all over again and my single point of contact is never available or heard from again. Ive put in 9 requests in the past 3 months for a supervisor to contact me and not once have I been contacted by a supervisor. The last attempt I finally was able to get it sent to the underwriter but Mr Cooper Mortgage didnt include income that they requested and I sent and was confirmed it was sent. I then spoke to XXXX XXXX who told me all I had to do was send in an appeal letter and more check stubs from my wife. The next week I confirmed XXXX XXXX had everything she needed to which she agreed and stated she would follow up with me weekly. Then once again XXXX XXXX is not available just like my previous 5 single points of contact and XXXX speaking to someone new telling me I have to start the entire process over again. I truly believe this company has no intention whatsoever in attempting to do a loan modification and are following a script to keep customers in a never ending cycle until they can sell home out from under us.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this is my 2nd attempt to dispute an remove all items listed. checking over my credit profile ive noticed alot of data that is reporting illegal an fraudulent infromation on my credit file asap. please review an remove the listed items to help clear my data an information listed asap.
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX, NJ XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

Collection Agency : Receivable Management Services Original Creditor : XXXX XXXX  Date Assigned : XXXX XXXX, XXXX Original Amount Owed : {$49.00} Collection Amount : {$110.00} Collection Agency : XXXX XXXX Original Creditor Name : XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$170.00} Collection Amount : {$170.00} I have disputed these accounts numerous of times for identity theft as I am not the responsible party. I have provided the police report and supporting documents in regards.
Product: Student loan

On XX/XX/XXXX, I requested a refund on all the payments I have made via phone call. I was told this would be handled by the department of treasury. However, I have yet to see a change in my balance once I put the request in. Also, I am not sure when I will get my refund because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was approved by XXXX XXXX  for a credit card with a credit limit of XXXX dollars.On XXXX XXXX, the Coronavirus pandemic hits Michigan where I live.On XXXX XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX   customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with CFPB-XXXX-XXXX  citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXXOn XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XXXX  was the last activity i had on this XXXX card account until XXXX XXXX closed account.XXXX  responded to the CFPB complaint, XXXX  stated in their response that they made there decision based on what was in my XXXX  report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX  lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a text claiming to be US Bank about a fraudulent charge on my account on XX/XX/2022. Someone called me from the US Bank number claiming to be a representative from US Bank who wanted to help me sort this out. They had my name, account number, my recent transactions, and account balance which they stated back to me. They told me in order to protect my funds I needed to XXXX money to myself. I XXXX two transactions of {$800.00} and one of {$700.00} to my own name and they intercepted the funds and stole it from me. They had already hacked my account and had all my account information so I think some responsibility needs to be with my bank. If they had not had all my information and repeated it back to me I wouldn't have fallen from the scam.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I tried to log into my transunion account but no matter what method or information I provide, I can't log in. Their website does not provide or access the right info to log in. I tried creating a new account but it says they found an existing account. Tried resetting the password but the username they assigned me does not work and using my email address does not work. What a disgusting mess this company is. Their AI bots don't connect you to the right info, the call center does not answer. How do these people stay in business???
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a payment of {$100.00} to my Cash App account from a friend. From approximately XXXX XXXX XXXX, I had several failed and successful transaction attempts from XXXX XXXX XXXX and XXXXXXXX XXXX . I attempted to withdraw {$100.00} on XX/XX/year>. Cash App did not allow this and posted it as a failed transaction. A total of {$35.00} was fraudulently withdrawn from my Cash App account from XXXX XXXX. I called Cash App on XX/XX/year> to try and resolve this issue. I disputed each of the 19 successful transactions and they denied all 19.
Product: Mortgage

DEPITE, BEING APPROVED XXXX XXXX, BY XXXX XXXX XXXX XXXX XXXX HOME OWNER ASSISTANCE FUND GRANT PROGRAM , APPLICATION XXXX FOR MAXIMUM XXXX TO PAY MY ARREARS THAT IS NOW XXXX  WITH RUSHMORE LN MNGMT SVCS LLC REFUSING TO LOWER MY ARREARS TO XXXX WORK OUT ORDER PLAN SO THE GRANT MONEY CAN BE WIRED TO THEM TO SAVE MY HOME. SO I COULD SEND THE WRITTEN WORK OUT ORDER PLAN TO: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having problems with the credit bureaus processing my dispute from my identity theft case.
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. 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 an 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 or 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 ) ( a ) 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.

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiryXXXX 
- Creditor Name : XXXX XXXX XXXX . Date of inquiry XXXX 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX . Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry XX/XX/XXXX.
Product: Debt collection

On today XX/XX/2023 at XXXX XXXX  I placed a call to Radius Global XXXX  at XXXX. I called wanting to settle my debt. The person indicated that they were not a collection agency and they worked for XXXX XXXX and they could not settle. I asked if they were not a collection agency, how did they get my debt? The person could not answer the question
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX ] : account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

I sent money through zelle it was the wrong person and they didn't help out sort the problem out