23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started to receive some collection mail from a company in which I do not recognize. I recently noticed on my credit report that the collection attempts are for XXXX different accounts under the same creditor. I am not aware of this whatsoever and I have reached out and disputed this information with the credit agencies and for some reason, that have not sent proper verification documents nor have they made any attempts to correct the issue. I am seeing, also, that on the bankruptcy information of my credit report is still reporting on there after they have been discharged as bankruptcy. The funding XXXX has several different accounts open on my credit report and I am afraid that there will be more attempts from this company on my credit report in the next coming months. This is hindering me from progressing forward and has caused my credit to be completely inaccurate. I have already been compensated for the issue and for some reason it has not corrected on my credit report.
Product: Credit card or prepaid card

Please see the attached document for a very detailed description of the issue. This is the second time I'm opening the case as the first time around the case seemed to be automatically closed by the system just because the bank has responded. They actually did nothing to fix the issue. The bank charged me ( and keeps doing so ) late fees and interest on a small balance that was paid ( in full ) late because of their own system problems. Due to technical issues on their side they have failed to send me an account statement for 2 billing cycles and also blocked access to my account from my home. They try to place the blame on me and want to extort from me those late fees and interest. I'll pay them nothing more as those are illegal charges. The original balance I've owed has been paid in full.
Product: Debt collection

Paypal has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report  complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

On XX/XX/XXXX my wife sent a total of XXXX through XXXX using my account. As soon as she informed it was a scam I immediately contacted XXXX and was told to contact my bank. The following morning I went to the bank in person and was informed since it was an unauthorized transaction I would be able to file a dispute and receive my money back. However unfortunately a week later I received a letter saying No action will be taken.
Product: Credit card or prepaid card

Federal Reserve Consumer Help Center Acknowledgement Inbox XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me To : XXXX From : Federal Reserve Consumer Help Subject : Federal Reserve XXXX Help Center Acknowledgement XX/XX/2021 Dear XXXX XXXX XXXX XXXX This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Phone : XXXX Fax : XXXX TTY : XXXX We hope that this information is helpful to you. 

Sincerely, Federal Reserve Consumer Help Center ________________________ I sent my complaint regarding Citicard to the Federal Reserve and received the above email. It was regarding Citibank charging me {$82.00} in interest on an amount less than {$900.00} after I paid {$6500.00} on the card one-half way into my billing period. I don't believe the Average Daily Balance would have been nearly as much as that and they are refusing to adjust it. They want to put me on a " treatment '' or " program '' and turn off my charging privileges until I pay what I consider to be an inflated amount. They have informed me today that they have reduced my credit limit from {$7000.00} to {$970.00}. They are totally unwilling to work this issue out with me in a fair and reasonable manner. Needless to say, I won't be using their card in the future unless and until this is resolved. I don't remember ever being late with a payment but, if I was, I know I contacted them and explained any issue I may have had ( simply forgotten ) and fixed the problem immediately. I feel it is very unfair to me and my credit rating for them to take the steps they have. Thank you.
Product: Mortgage

I have a first mortgage with SunTrust Bank. My homeowners insurance is due for renewal on XX/XX/XXXX. The renewal premium is {$2900.00}. I logged onto my account today and notiiced this amount was paid to the insurance company on XX/XX/XXXX. However, I scrolled to the previous payment dated XX/XX/XXXX and noticed a duplicate payment of {$2900.00} to the same insurance company. 

My escrow balance is now {$2900.00} short to pay for my taxes which are due in XX/XX/XXXX! 

I have called SunTrust Bank and all I was told is that, " our systems are down and we can't help you now. '' I explained the situation and was told that, " I have to wait until the insurance company returns the money to me, and then I have to re-deposit this refund in my escrow account. '' This is not an acceptable answer to me. What controls are in place within SunTrust to prevent two payments for same invoice being processed within a week? Additionally, a similar incident with SunTrust happened two years ago related to my property tax payment! This loan is only three years old.
Product: Debt collection

I have an old XXXX XXXX account from Household Finance ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). XXXX XXXX has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. XXXX XXXX has violated my rights as a consumer and deployed terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against XXXX XXXX : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt
Product: Credit card or prepaid card

XX/XX/XXXX my Wisely card was stolen. XX/XX/XXXX called and had card canceled. 
Never received Statement of Fraud which I was suppose to sign. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Statement of Fraud sent. Wisely claims they sent it each time, never received. On XX/XX/XXXX I received a letter which stated investigation has been finalized, no Fraud occurred. 

I have sent three letters to dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also sent 2 emails on XX/XX/XXXX and XX/XX/XXXX and no response. 

I've been told there is no number to call that I must email and send letter through mail. 

Fraud transactions : XX/XX/XXXX {$10.00} {$40.00} {$110.00} {$230.00} {$200.00} {$160.00} {$380.00} {$200.00} {$200.00} {$200.00} {$130.00} XX/XX/XXXX {$70.00} {$200.00} {$24.00} On XX/XX/XXXX I was admitted to XXXX XXXX XXXX. My Wisely card had been stolen. All charges were made when I was in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) XXXX XXXX # XXXX 2 ) CREDIT MGMT # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX
Product: Debt collection

fair collections and outsourcing reported a fraudulent account on my credit reports with all 3 credit bureaus. they have continuosly harrased me for about 6 weeks calling leavinf  voicemails and numerous calls throughout the day about this debt supposedly owed to apartment complex XXXX XXXX XXXX. I was in no lease the lease was up and I decided to move because the new rent charges were aittle too t expensive and I couId n't afford to pay XXXX for a new lease. I have provided them with accurate and supporting documentation to support this debt that is not owed. I have provided them with the notice to vacate the premisis and they failed to provide this documentation to the apartment complex and said it was my debt and I need to pay it. Mr. XXXX XXXX was handling this case and have and still harrases me on a daily basis.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I am being billed by Citibank/Wayfair for items which had been promptly returned. They also have tried to ruin my credit rating by daily submission of reports under different logos of theirs to credit agencies that II owe them money to bring down my credit rating. My rating It was always in the middle XXXX 's, as I always paid my bills on time, & now is in the XXXX 's because of only their daily false charges. They had removed some these charges but still are reporting this & billing me for items that were returned. I believe they were parts of items on their invoice XXXX. 

I am XXXX and my husband has just passed away & I really need your help in resolving this matter. The items ordered had to be canceled because I had go out of town on an emergency last XXXX. The items that were delivered & returned before I left were not opened as I did not know whether they were the parts of either a bed or dresser & could not be there to receive the rest of the order. I returned them via XXXX  # XXXX, XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I got my credit reports and discovered several fraudulent accounts on my credit report. I've tried to fix it with Experian, XXXX, and XXXX but Experian reinserted the fraudulent accounts back to my credit report.
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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ) .Two fraudulent mobile phone accounts XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number ( XXXX ). XXXX fraudulent bank accounts at XXXX XXXX XXXX under the account numbers ( XXXX ) and ( XXXX ). And another fraudulent account at XXXX opened on XX/XX/XXXX with a balance of {$860.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XXXX XXXX, XXXX my application to Bank of America for a mortgage modification was declined on the basis of a fraudulent property appraisal. The false and inflated property valuation resulted in a failed NPV test. 
Even though no house ( of that model ) had ever sold for such amount in the history of the subdivision, the appraiser valued my house at {$700000.00}. I objected, and it was reappraised for {$690000.00}. The values are absurd considering : There are vacant abandoned houses in the next block ; At the time of the appraisal no homes in the subdivision or area had sold in over a year ; On-line services valued the house between {$540000.00} and {$600000.00}. 
When I received a copy of the appraisal, I phoned the appraiser to question the basis for his valuation. I was told that Bank of America was his client and those were his instructions. 
Finally, on XXXX XXXX, XXXX a house in the subdivision finally sold. The exact same house as my house, same model, same builder, same subdivision, XXXX blocks away, sold for {$570000.00} ( see Exhibit A ). 
In XXXX XXXX, upon renewal of the homeowners ' insurance, the insurance company would only insure the house {$530000.00}. They said that it was the maximum that the house could be insured for because that was its replacement value ( Exhibit B ). 

So, if an identical house in the same neighborhood sold for {$570000.00} and the insurance company states that the replacement value of my house is {$530000.00}, how does Bank of America 's appraiser get a valuation of {$690000.00}? 
Bank of America is obliged to follow all rules and guidelines for the servicing of conventional mortgage loans, including, critically, rules relating to the Home Affordable Modification Program ( HAMP ). Bank of America did not follow the rules of HAMP in connection with my account. 
Had Bank of America properly reviewed my application and not applied a fraudulent property valuation when I applied for HAMP in XXXX XXXX, I would have been found eligible for a HAMP modification that would lowered my monthly payments by at least {$1500.00}. 

Instead, Bank of America used a fraudulently inflated property valuation to cause my application to fail the NPV test. Since then I have taken nearly {$40000.00} in credit card cash advances at 24 % interest rates to keep the mortgage current, which has damaged my credit and caused me and my family great anxiety.
Product: Credit reporting or other personal consumer reports

Still lying instead of still working on the issue in more like it they are doing nothing AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Checking or savings account

On XX/XX/2018, an online payment in the amount of {$100.00} was sent to my checking account at BB & T.

On XX/XX/2018 I received a letter from BB & T Adjustments Department that my account was debit in the amount of {$100.00} onXX/XX/2018. I call the local bank on XX/XX/2018 to express my concerns because I believed that it was an error. BB & T requested a copy of the letter I received. I sent a copy via email on XX/XX/2018. BB & T assured me they would call after researching the issue. On XX/XX/2018 I call an XXXX  number provided on the letter. They told me that the amount that hit my account in error was from a cashier 's check made to another company. I asked where was my online payment of {$100.00}. They said that they did not receive it. I called XXXX XXXX XXXX XXXX ( XXXX  ), the party who sent the online payment. XXXX said that it was sent and they said they would open a case and send it to BB & T. I was able to see the paper trail where XXXX did send out the payment. On XX/XX/2018, I made a visit to the local BB & T and they stated that they did not receive the payment and said that I needed to talk with XXXX. I gave them a copy of the online payment disbursed onXX/XX/18, a call was made but they only verified what I was just told that BB & T had not received the payment. I have received a call and a written notice that may BB & T account has a negative balance and threat to report me to XXXX.
Product: Money transfer, virtual currency, or money service

I opened account in Airtm and make all the verification steps then they send me a an email confirming that the account is verified and ready to use, then just after some days after I received money on my account I tried to send it but the system reject to send it providing me that my verification is failed I try to contact the support team but with only a typical replys and when I search to see some problems like what happened with me I found so many people saying they have scammed by the same way from this company I opened the account when I found they are located in USA and authorised as they wrote it there website I have XXXX usd in my account
Product: Debt collection

On I discovered ( I.C. SYSTEM, INC ) had been re-inserted into all my XXXX credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately
Product: Credit reporting or other personal consumer reports

Ever since the XXXX data breach that leaked my information, I froze all my credit reports. Experian has not allowed me access to my online account to unfreeze my credit. When I try to log into my Experian online account, I receive an error message and the provided phone number is only automated messaging which does not allow to unfreeze my credit even though supposedly that is one of the options. I have tried multiple Experian phone lines- all automated, none provide unfreezing credit services. There is no way to connect to a human Experian employee to help me. Experian is using my information to make money off of me and Experian does not allow me access and control of my own information. This is a huge problem. I am not able to apply for a place to rent. I am not able to apply for credit cards or loans.
Product: Mortgage

This is for Lakeview Bank Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My mortgage was transferred to a different bank and I was not properly ( The mail was sent to wrong address ) notified causing me to make the payment late since I did not know who to make the payment to. Then there was an issue with the auto enrollment, which was beyond my control. Also, I want the XXXX mortgage late to be reversed since I have a 90 grace period during a bank servicing change to make payments. 

Please help me as i had cash in my bank and there is no reason for me to delay the Payment. Its not my fault.
Product: Credit reporting or other personal consumer reports

experian data leak my information was leaked resolution : 15usc1681
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting this COLLECTION account # XXXX as well as this COLLECTION account # XXXX on my credit report as an OPEN ACCOUNT and also reporting PAST DUE BALANCES. XXXX XXXX XXXX is reporting falsely and inaccurately. this is a clear FTC Violation and must be DELETED immediately. As well as in violation of 15 U.S.C CODE 1681S-2! Also a clear violation of 5 U.S.C 552 a ( i ) ( 3 ) and The Fair Debt Collection Practices Act As Well As 15 U.S.C 1692d. Not only are they reporting with an account status of OPEN but they are also reporting this ACCOUNT # XXXX ( {$210.00} ) as well as this ACCOUNT # XXXX ( {$500.00} ) with an inaccurate past due balance and putting derogatory marks on my credit as LATE PAYMENTS. Which is also a violation of the FCRA which states that I have the right to an accurate and fair credit report. This also violates XXXX XXXX XXXX XXXX XXXX Standards! Delete both of these accounts immediately from all XXXX credit bureaus that are reporting this false, inaccurate, and incomplete information on my credit report. I, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I Request that you provide to me verification of this debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed pursuant to the fair debt collection practices act you are required to cease all collection of this alleged debt which includes reporting to my consumer report XXXX, TRANSUNION, And XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. FURTHERMORE I did not consent to you having my personal or private Information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Please delete all accounts!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account Number XXXX XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.