23daVinci/CFPB_Complaints huggingface dataset:
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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX XXXX {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions EQUIFAX consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation this practice violates Fair Credit Reporting Act ( FCRA )
Product: Checking or savings account

Fifth Third Bank charged {$5.00} dormancy fees on multiple accounts I hold with them ( a checking and a savings account ). It is my assertion that in doing so, Fifth Third engaged in unfair and deceptive behavior : ( 1 ) the fees were not disclosed when the accounts were initially opened ; ( 2 ) account statements were not provided to me; and ( 3 ) my online account access was locked preventing me from discovering and preventing such fees. 

A significant portion of the period I was being assessed such fees occurred during the pandemic when branch access was limited/restricted. I have many online banking relationships that can be accessed entirely remotely. Requiring a customer to visit in-person is an unnecessary burden seemingly designed to frustrate a customer 's ability to exercise control over their account and maximize Fifth Third 's fee revenue. 

Furthermore, the fees imposed against one of my balances represents ~50 % of the original account balance. Imposing fees of this magnitude is punitive and unconscionable. This raises serious doubt whether Fifth Third is appropriately discharging their fiduciary duty.
Product: Mortgage

I entered into a forbearance agreement with XXXX due to financial issues related to COVID-19 around XXXX of XXXX. I believe it qualified as either a XXXX XXXX loan. The forbearance lasted until XXXX of XXXX, at which point I was required to pay the accrued principal and interest or enter into a deferral agreement. I entered into a deferral agreement and was informed that I would need to pay the accrued principal and interest payments at the earlier of the loan maturity date or the date XXXX payoff the loan. There was nothing in any agreement about capitalizing the accrued interest to principal. 

I paid off the loan on XX/XX/XXXX. The payment included all of the principal and interest payments that accrued during the forbearance period. However, when I received my XXXX Form 1098, it only reported {$12000.00} of interest instead of the roughly {$60000.00} it should have reported. Apparently, XXXX decided to capitalize the interest I accrued during the forbearance into principal as part of the deferral. Again, every representative I spoke with told me that I would be paying the accrued principal and interest when I eventually paid off the loan, and nothing in any documents I signed indicated that the interest would be capitalized to principal. 

I have tried to resolve this with XXXX since XX/XX/XXXX. I have a long chain of messages in which they repeatedly told me that they were looking into it, with promises to reply by certain dates that were rarely met. I have gotten nowhere with them so I am requesting your help with this matter. 

I need to file my XXXX income tax return and would really like the XXXX Form 1098 to be corrected before I do so that I can avoid notices from the IRS for reporting an amount different than my Form XXXX and having to explain the problem and possibly pay significant additional taxes and penalties. 

Thank you
Product: Debt collection

I called Southwest Credit on XX/XX/2021. I was told by a asked the Southwest Credit employee that I owed XXXX XXXX {$190.00}. The amount on my XXXX XXXX XXXX report states I owe {$190.00}. I asked the Southwest Credit employee to mail me proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges, the date of and basis for each charge. I wasn't mailed any of the documents. The only letter I was received on XX/XX/XXXX was an account summary of the debt I supposedly owe with different amounts than what the employee told me, stating I had 30 days to dispute the debt, and a NY Dept. of Consumer Affairs License Number. Because I wasn't given the documents I asked for, I emailed Southwest Credit on their website SWC Group on XX/XX/XXXX to complain about not getting any of the documents they're legally obligated to give me and to ask SWC Group to either email or mail me the documents. Today is XX/XX/XXXX, but no one at SWC Group has emailed or called me. Meanwhile, my credit score was XXXX for more than a year because of the debt on my XXXX credit report. I was turned down when I applied for apartments because of my credit score. I'm not going to pay a debt unless I have proof I owe the debt. I'm also not able to dispute a debt if I don't have the documents I need, a fact SWC Group is well aware of.
Product: Debt collection

In late XXXX of XXXX I flew into XXXX for a 3 month job. I rented a car upon arrival since I did not have any other transportation. The next day I returned the first car and was charged {$48.00} dollars for it. I then rented a new car under a company contract that same day. I was charged monthly and returned the car on XX/XX/XXXX. After much back and forth I was at last given the final invoice of that car on XX/XX/XXXX and saw it was {$2000.00}. I felt like I was charged more than this so I added up all the charges on my bank statement and realized I was over charged by {$640.00} which was the exact amount of one charge posted to my account on XX/XX/XXXX. I reached put to the XXXX agent assigned to my company and after explaining the issue and being ignored I went to my bank on XX/XX/XXXX and disputed the charge through them. On XX/XX/XXXX they wrote back to me saying the issue was an errant extra month rental that somehow was created. They settled the dispute and awarded me {$560.00}. 

I moved on with my life, took another out of state job, and now that I'm back home I see I have multiple bills from XXXX dated XX/XX/XXXX billing me for the {$560.00} I was awarded and now they say it has moved to a collection agency on XX/XX/XXXX and there is nothing they can do about it now. They are claiming that their records indicate their car was returned on XX/XX/XXXX which is quite impossible. The job I was working on was all about covid safety and required the whole crew to sequester in a hotel for three months. 

I spoke with my bank and they say that when they contacted XXXX about the dispute they never tried to fight the bank on it. I do NOT think this is right and am trying every means to get it fixed.
Product: Mortgage

This is the second complaint about my escrow account with this company. The first one # XXXX was closed because the company responded, however the company contacted me after I submitted the complaint and told me one thing on the phone and then they submitted a response to the CFPB that was the total opposite of what I was told on the phone. 

This complaint is about my city taxes that were refunded from the City of XXXX, Virginia due to my veterans XXXX tax exemption that was a retroactive refund dating back to XX/XX/XXXX. I have had numerous conversations with XXXX XXXX from PennyMac, and on XX/XX/XXXX she resolved the erroneous tax payment made to the City on XX/XX/XXXX. That payment was credited back to my escrow account. On that day I informed XXXX XXXX that there were four checks coming from the City of XXXX to reflect refunds from XX/XX/XXXX to present. XXXX than informed me that when PennyMac receives the four checks in question that would automatically post to my escrow account and I can call and have those refunds dispersed to me. This has not happened. I went to the City of XXXX and and they informed me that four checks numbered XXXX, XXXX, XXXX, & XXXX were sent to PennyMac on XX/XX/XXXX. In the amounts of {$330.00}, {$1000.00}, {$1000.00} & {$1000.00}. On XX/XX/XXXX there was activity on my escrow account for {$140.00} & {$38.00}. My wife left several voicemails for XXXX but she never responded. When we called customer service they stated that they received several checks and one was applied to the erroneous payment made on XX/XX/XXXX and the other was from the District of Columbia? Again customer service has no idea what they are talking about. 
I want to know where are my refunds? PennyMac received the checks on the XX/XX/XXXX and hasnt properly recorded these to my account. PennyMac is a Mortgage Company and a Debt Collector, there is no way that these mistakes can occur. PennyMac puts these funds in their general account so they can collect interest on other peoples money. This seems to me to be fraud.
Product: Credit reporting or other personal consumer reports

I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with XXXX which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit card or prepaid card

Someone stole XXXX dollars out of my Bank of America account over the span of XXXX days. I opened a claim and it has been denied multiple times despite Bank of America having video footage of someone else taking money out of my account. I sent them a police report and photo evidence of me being out of town during the theft. They continue to deny my claim. Ive opened the claim about 6 times so far to no avail. They even told me my account would be credited until they came to a conclusion, and have yet to do that. Any help would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Account was converted to another creditor with the same product name but different network as this originally was the Best Western rewards XXXX from FNBO and is now a XXXX XXXX XXXX XXXX with XXXX XXXX. My credit report reflects account closed from FNBO when it is open with XXXX since account was only transferred and converted
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account XXXX XXXX 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, credit repair services, or other personal consumer reports

on XXXX I noticed some inaccurate information on my credit report. I reach out to all 3 bureaus ( XXXX, XXXX, AND EXPERIAN bout these inaccurate accounts. They said they was gone investigate the matter and notify me with a result of the matter.
Product: Money transfer, virtual currency, or money service

Wife sent funds via XXXX from Wells fargo after they sent the tickets. They then pulled the tickets back. We alerted Wells fargo of the scam and they have done nothing but send a letter to chase. It has been 3 months and nothing. Do not use XXXX or Wells Fargo.
Product: Debt collection

I was trying to make a high ticket purchase and was advised that I have a judgement from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I closed a XXXX XXXX account I had back in XXXX. To my knowledge it was in good standing. I used the checks from that to pay my rent. After moving from NJ in XXXX I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in NJ I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agency, Retail Recovery Svc NJ Inc, did not contact me either. My phone number has been the same for many years. on XXXX XXXX, I called XXXX XXXX customer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where XXXX accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place at XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently XXXX TRANSUNION AND XXXX sites reports are all different with specific information. ON XXXX {$75000.00} in STUDENT LOANS are on the consumer report but when their actually calculated they sum up to {$67000.00} a closed account is being added to my loans on the XXXX SITE. During the pandemic all student loans have been in deferment so they should not have interest added, so what is being calculated? Then the loans do not show the same as all other loans across the board. MEANING XXXX shows a total of {$7400.00} in STUDENT LOANS and TRANSUNION shows {$72.00}, XXXX, while XXXX presents me having XXXX accounts on my credit and XXXX shows XXXX accounts open and closed TRANSUNION XXXX accounts on my record. AGAIN, my question is why are ALL XXXX CREDIT agencies REPORTING different amounts?!! The annual credit report pulled on XXXX shows that an account was charged off for ACCOUNT NUMBER XXXX at {$1100.00}, yet on the XXXX site I can not find an amount reporting but {$8.00} on the site not in the annual report. TRANSUNION reported a charge off at {$1000.00}. XXXX shows {$1000.00} was charged off. This XXXX XXXX provides the actual card number in the credit report which is a violation of my Consumer Protection Rights. XXXX IS ALSO A CHARGE OFF!! This should not be reporting. Transaction history of all accounts is also being reported all of this is a violation of my privacy. According to 15 USC 1692 ( a ) this shows excessive and abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices. Any CHARGE OFF is considered income which can not be reported on the credit report.
Product: Checking or savings account

A fraud transaction of {$450.00} by XXXX XXXX XXXX occurred on XX/XX/XXXX in my US bank checking account. I filed the first claim to US bank immediately after I found out ( early XX/XX/XXXX ). After I was notified that the claim was denied, I called the fraud department/fraud liaison center and explained why it was a fraud ( reasons being 1. I am not a XXXX XXXX XXXX member. I couldn't have shopped there. 2. The signature shown for that transaction doesn't match my signature on file ). I was told that I can file the claim again to re-open the case. So, I sent in the second claim on XX/XX/XXXX. I called back a few times to check the status and was told it's still under investigation. Eventually around end of XXXX, someone from US bank suggested filing a police report. So I filed a police report on XXXX XXXX and faxed to US bank on XXXX XXXX. 

US bank refused to refund my money back. Initially I was told the claim was denied because it's an authorized transaction. After i filed and faxed the police report, I was told it was denied because it's outside the claim window. I initiated the claim within a month, and was primarily held up by US bank liaison center personnel. I spent hours on the phone with the liaison center personnel and no one ever mentioned about claim window or anything related. In addition, no one mentioned about filing a police report until end of XXXX. 

As of now, the bank 's fraud department refused to refund anything. Only a branch manager managed to refund XXXX of the {$450.00} to my account using some local fund.
Product: Mortgage

I have previously requested for GreenTree-Ditech to provide direction to the obligees as to the handling of payments upon liquidation or sale of the XXXX XXXX XXXX. I have reason to believe that such liquidation or sale will be forthcoming. To date I have never received any such direction.

The over-riding question is why is Green Tree-Ditech still allowed to service my loan? Why hasn't my loan been reasigned to a company with liquidity and staff sufficient and adequate to perform the stated public offering?

Green Tree-Ditech is in breach of its own loan covenents. Perusal of its open positions indicates that it is unable to hire staff. Green Tree-Ditech has been untimely in the filing of its SEC periodic reports. The monthly billing statements continue to be irregular with respect to the dates on which these statements are received by me. These statements need to show three dates : Date of Data, Date of Preparation of the Statement, and Date when the Statement was handed over to the U. S. Postal Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This correlates to my prior complaint on XXXX XXXX XXXX. 
XXXX XXXX XXXX  has reported to CRA on XX/XX/2022 that I am at or over credit limit before addressing their problem at fault of not accepting my payment. This not being reported correctly, and I feel inaccurate account balancing has occured. Previous issues have been corrected, payment method mysteriously works now as well as late fees returned however I have been damaged by an adverse action that requires immediate response and correction as this act has prevented me from obtaining additional credit needed causing much stress and emotional strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or American Honda Finance such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : 1. American Honda Finance, Acct : XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX  updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.