23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As a response to my previous complaint ( XXXX ), XXXX XXXX from TMS listed a list of all the principal payments and XXXX payment that the received. She also mentioned that principal payments were transferred over to XXXX XXXX but did not mention anything about the XXXX payment that was received by them on XXXX. 

This XXXX payment of {$3900.00} and an additional principal curtailment of {$270.00} is still missing on XXXX XXXX side. After repeated calling helpdesk and emailing XXXX XXXX ( XXXX ) I still haven't received an update about the missing payment. 
XXXX XXXX received a statement from TMS on XXXX which does not list this XXXX payment and there has been no further communication or payment from TMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I received Pre approvals for credit card/loan offers through credit karma that once I applied, I was denied. Effected my credit score and left hard inquiries.
Product: Debt collection

Recieved information from my email, that I owed XXXX to due 90 days late fees. This been going on for approximately 4 months. I thought that someone was trying to retrieve my personal information, therefore, I ignore the emails and put it in my spam folder. However, I decided to check my credit report and notice that one of my credit reports score was deceasing. After checking my credit report on XXXX, I notice a negative information on my credit report, and I saw that XXXX XXXX came up on my credit report as a negative charge off. I called XXXX on XX/XX/year> at approximately XXXX central time and spoke with a customer service representative, then I asked to speak with a supervisor. XXXX, was the one I spoke to about the alleged debt that I owed. I informed him that I never done business with the Company, it appears that someone used my name to get a loan from the company. He asked me to give my address, I said no, due to circumstances. I gave him my email and cell number. He said, he will look into the matter and get back with me. He said it will take about 45 or 55 days. Then I signed up on freecreditreport to check my overall credit reports and put a fraud alert on my credit report. 

The company name is XXXX XXXX. They are located in XXXX XXXX, Ca. Their address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX Company number XXXX They already send the past due loan to a Collection Company called TrueAccord. 

Sincerely, XXXX
Product: Credit card

in 2022 I signed up for a tanning memebership ( I cant remember the name of the place ) month to month. Essentially a week after they sold the company to XXXX XXXX. I tanned their for 6 months and then called to cancel my membership. I checked my statement the next month ( XX/XX/2022 ) and I was still being charged. I called CHASE and explained I canceled this service and I was charged by mistake. CHASE refuned my money and I didnt think about it again. I got a notice last week that chase lowered the CREDIT LIMIT.. which is their perogative but it got me curious about the charges ( i dont use it for much ) and I noticed ive been charged {$77.00} every month from XXXX XXXX XX/XX/XXXX '. I cancelled with the company! I let chase know i cancellede with company and I followed up the next month!!!!. THEY OWE ME $ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am putting XXXX, XXXX and transunion on notice in good honor Before I take the proper steps to Litigation and arbitration to correct themselves and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance To 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history In just under that fact XXXX, XXXX and transunion is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. 

I am giving XXXX, experian and transunion 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and THE BUREAUS partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

My name is XXXX I am the executor over XXXX XXXX XXXX. I have a complaint against Bank of America. XX/XX/2022 someone stole her check book and multiple people wrote checks that totaled $ XXXXShe contacted Bank of America in XX/XX/2022 to report what happened they gave her the run around. She contacted XXXX XXXX XXXX he works with Adult Protective Services to assist her with resolving this matter. He also contacted Bank of America and helped XXXX submit multiple claims to make sure that all the checks had been reported. Checks were also written on her ex husband XXXX XXXX and they refunded his money but did not refund XXXX 's money. Unfortunately, XXXX died XX/XX/2022 from a XXXX she was stressed out because of this situation. When she died I went to Bank of America in XXXX XXXX to see how we could get this matter resolved spoke to XXXX XXXX XXXX she told me that she remembered her coming in and reporting what happened. She told me that we had to get letters of administration before she could give us any information after we went through probate to become executors over her estate I went Back to bank of America. she gave me the estate departments number and told me I needed to contact them XXXX. I spoke to a XXXX she told me that they denied her claim because per their deposit agreement disclosure it requires customers to review their bank statements within 60 days which is not true she checked and reported those checks in XXXX the police report was filed XX/XX/2022. I have several claim numbers showing where she filed a claim to get this resolved she spoke with a XXXX and XXXX in the fraud department XXXX, XXXX, XXXX, XXXX. I have attached a copy of the police report people were arrested. She was an XXXX Veteran and a faithful customer to Bank of America it a shame to know that this is how they treat their elderly XXXX customers.
Product: Debt collection

To Whom It May Concerns, Account # XXXX I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. 

How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXXXXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ EXPERIAN ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the Member Service number listed on my credit card statement for XXXX XXXX, XXXX XXXX XXXX, because the interest amount charged of {$47.00} was excessive, it calculates to an annual rate of 51 % instead of the stated 23.99 % on the statement. After over 1 hour 30 minutes on the phone, most of it on hold I was told the Balance Subject to Interest Rate was claimed to be {$2400.00}, which was nearly 1.5 times the actual balance of {$1100.00} for the month interest was to be charged. My payment is usually due on the XX/XX/XXXX of the month. I typically pay my balance in full so there is no interest charged. In XX/XX/XXXX, the month the interest was charged I missed the payment date and paid two days late due to thinking I had set up the payment the previous week. The interest charge I am challenging does NOT include the late fee. That fee is legitimate but the interest charge is not. The balance due on XX/XX/XXXX was {$1100.00}. Even if the credit card company abuses the consumer with a two month calculation that still doesnt justify the interest charge. The balance due in XX/XX/XXXX was {$510.00}. The company refused to explain the calculation, there is no rational way to figure out how they exploit the customer and manipulate the effective interest rate to be far in excess of the claimed interest rate. After one hour and 45 minutes another representative came on the phone and continued to argue the rate and still refused to explain how they were fraudulently calculating my interest charge. After 2 hours and 1 minute I put the phone down and ignored the lying and dismissive attitude until the representative hung up. It became abundantly clear that there was no interest by the company to be honest and forthright regarding their fraudulent manipulation of balances. I will be making my payment due XX/XX/XXXX on time but I expect a new exorbitant interest charge on my statement due XX/XX/XXXX. In the fine print on the back of the statement it says the bank calculates the Balance Subject to Interest Rate by using an average daily balance method. It explains that calculation uses the daily balances during the billing cycle. Using that method it would still be impossible to achieve the Balance Subject to Interest Rate of {$2400.00} unless they are using the balance from the NEXT month. Because remember the previous months balance due, paid on the XX/XX/XXXX, the month before month the interest was due for was {$510.00}. Assuming that I made one charge of {$1100.00} on the first day of the billing cycle due on XX/XX/XXXX, the whole balance would still only be {$1600.00}, or roughly 2/3 of the claimed Balance Subject to Interest Rate of {$2400.00}. The bank refused to do anything to correct their error.
Product: Mortgage

We have been working with XXXX XXXX XXXX for a few months trying to close on our house. I was told to wire the closing Cost to the Title company so we could close the next day and then the next day I get a phone call from the mortgage company stating we have to live in the home for 6 moths according to the FHA identity of interest  certification. We have no relationship or are doing business with the seller.This should not apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans I can not pay back
Product: Debt collection

I recently checked my credit report and noticed someone opened a XXXX account in my name because Ive never had a XXXX account also some inquiries were made that I didnt authorize. I would like for enhanced recovery co to delete this immediately off my report as it is hurting my score and again I never opened a XXXX account.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with 1 consumer reporting agency on XXXX XXXX ( Equifax ) .The consumer reporting agency validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB Equifax still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from XXXX  XXXX.I called the CFPB and asked how could this debt be validated.Then the representative told me that companies don't have to show any proof and just send it back validated with no proof of an investigation. 1592 U.S.C 1692e Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a company must respond in 30 days of a challenge.It is well past the 30 day mark, and even though they don't have to respond to the consumer reporting agency they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deleted.XXXX XXXX acct XXXX XXXX on Equifax consumer reporting agency.I have copies of everything below.I even asked the representative to send me a copy of all transactions they said it would be XXXX XXXX per page charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I saw fraudulent on my credit I have tried fixing them with all three credit bureaus. But I was unable to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a two year subscription with TransUnion 's myIdentity credit monitoring service on XX/XX/XXXX. I used this service regularly and received monthly credit monitoring reports to my email address. In XX/XX/XXXX I received multiple credit alerts while I was in hospital. When I tried to login to my account I was unable to access it. After discussing the matter with their customer service department they helped me reset my password. When I logged in, I no longer had access to the services I had purchased. When I called back they informed me that my account had been created on XX/XX/XXXX and they had no purchase history and no other accounts on record and told me that since I was not a customer they would not help me any further and hung up on me. I tried to reach them via other channels such as social media without success. To date I have not been reimbursed or had my services restored, there has been no direct acknowledgment of my issue. I have records of our email correspondence from present day going back to my initial purchase on XX/XX/XXXX. I have attached my initial membership as well as my most recent credit report notification ( XX/XX/XXXX ).
Product: Checking or savings account

XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraf/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00}
Product: Credit card or prepaid card

On XX/XX/2022 I sent an electronic payment of {$110.00} through my online bank payment system to XXXX XXXX  for my BJ 's account balance as I always clear my card balances each month. Mid-XXXX  I received notice that my payment was not received. I stopped payment through my XXXX XXXX account and sent out another electronic check on XX/XX/2022 which XXXX, now Capital One says they haven't received. Besides calling and speaking to numerous supervisors, I have promptly faxed the company every type of information they have requested from me! I have gone to XXXX XXXX and gotten print-outs of the electronic transfers which was requested and faxed them to Capital One. I have a case number and names of the supervisors. Capital One is adding late fees and interest onto the account which has brought the balance up past {$200.00}. I just closed the account last week until it is cleared up. I do not know how to upload the documents below. 
Please help me clear up this problem. Thank you.
Product: Credit reporting or other personal consumer reports

I have inquiries that are fraudulent and not authorized by me. I also have incorrect variations of my name and inaccurate address on my consumer file. Please see attached FTC report. I only have XXXX name that should be reporting which is XXXX XXXX and XXXX address XXXX XXXX XXXX XXXX, SC XXXX and NO previous addresses.
Product: Money transfer, virtual currency, or money service

I was scammed by a Fraudulent company named XXXX 
It all happened around XX/XX/2022 They approached me online and manipulated me into investing and trading. 
I had no previous experience with cryptocurrencies and they took advantage of that. 

Unfortunately I invested around {$8300.00} in total, which I had to upgrade and add more funds to receive my profit. My profit started around XXXX through the website. Then significantly went up to {$22000.00} in profit. I was then told I had to pay a maintenance fee of {$5000.00} to get my profit. After I paid what was stated, thinking I would get my funds. I was then told my money was transferred to the bank I indicated above that would hold my funds, and I would be able to withdraw a total of {$36000.00} immediately. When I tried to withdraw the money, I couldnt due to a tax loan code. Then through an email thread, I was then told I needed to pay {$7500.00} to get my money out due a tax loan fee. I mentioned I wasnt aware of this. Then they agreed I pay {$5000.00} through a XXXX ATM to receive the code. This has caused a lot of stress by all this money being asked of. After waiting longer due to a lack of funds to pay, I finally came up with the total amount. I paid what was asked for the amount of {$5000.00}. Then they didnt give me the funds! They said there was an increase in the tax fee, but these increases will cover all fees, so I need to pay the initial amount of {$7500.00}, of which I already paid {$5000.00}, then they regret to mention I pay the remaining balance of {$2500.00}. After all of the investing and not being able to withdraw my funds i had realized it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.