23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX  failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. BK OF MO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I've discovered fraudulent inquiries on my credit report and seek your help to remove them. I haven't engaged in any transactions related to these unauthorized inquiries and am unsure how they occurred. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired of XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$230.00} XXXX {$18000.00} XXXX {$100.00} XXXX {$22000.00}
Product: Bank account or service

I 've never been told that the bonus is calculated according to the statement period instead of calendar month, and the Santander rep who opened my account told me that every month I pay XXXX bill online and receive more than XXXX direct deposit, then I 'll get XXXX dollars bonus each month. And their public advertisement also indicated that it 's per month instead of per statement cycle. So, I paid XXXX bills online and have my employer direct deposit my salary to my Santander account. In XXXX 2015, I only received XXXX bonus for direct deposit and called Santander for the missing XXXX bonus for the online payment, they then told me that it should be counted by statement period, as I paid XXXX payments in XXXX, XXXX payment on XXXX, XXXX payment on XXXX, they wo n't pay for the XXXX bonus in my XXXX statement. The information I got was very misleading and it 's not right for them to forfeit my XXXX XXXX bonus for bill payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX has an very old account listed and showing on my credit report and profile that should have been removed over 10 years ago, this is the second account I've discovered & according to the FCRA, accounts showing and has reported inaccurate information for many years are to be removed immediately. I am requesting immediate removal of this account as the statue of limitation has expired on reporting and it is causing my credit profile too be risky to potential new lenders and also causing harm to my credit score by keeping it lower than it should be. As I have had ZERO derogatory, missing or late payments in almost 6 years.
Product: Credit card

I did not pay my complete balance and was charged a fee XXXX month. 
However, I DO NOT owe any interest for the period listed on most recent statement as XX/XX/2023 - XX/XX/2023. On that statement, Capital One lists : XXXX XXXX + {$87.00} This is not correct. I do not owe any interest for the listed period. 
Capital One does not provide a method to correct its incorrect charges directly. 

I appreciate your consideration.
Product: Student loan

My daughter ( XXXX - Cust ID XXXX ) has student loans originally Citi Bank and they were sold to XXXX Student Loans. There are XXXX student loans with the bank and has been forced to pay XXXX separate payments each month. I am a co-signer ( XXXX XXXX ) on the loan and when I contacted about the issue, XXXX states that Citi Bank will not allow them to consolidate the loans so that my daughter can pay a single payment per month. All of these loans are with the same bank and yet they are billing all XXXX payments for each month separately creating a large payment per month that she can not afford to pay. Below is a list of the loans and the payments due each month : Loan Number XXXX, {$180.00} ; Loan XXXX {$100.00} ; Loan XXXX {$100.00} ; Loan XXXX {$140.00} ; Loan XXXX {$110.00} ; Total per month = XXXX. This amount per moth is unaffordable. Can something be done about this situation? We are trying to repay our student loan debt but the bank 's policies are unreasonable. It feels like they are deliberately setting families up to fail. Please help!! We are close to defaulting on the loans.
Product: Credit card or prepaid card

I have a XXXX credit card with Comenity bank, I paid my balance in full by the due date, my online portal was showing a XXXX balance. 
The contact states that if balance not paid in full by due date they will charge interest. 

I paid it all in full on the due date, XXXX days after they charged me interest fee and late fee on the interest fee and another interest fee then another late fee. 

I called the company and they said no one can waive it even if balance was paid in full. 

Its breaching the contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
Chase auto said they did not report it as late payments. 


Also JPMCB Chase Auto, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall chase and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Equifax concerning false an inaccurate information from XXXX & XXXX in my credit file. 
An account they bought from XXXX XXXX. 
Everything about the account is wrong, Date, payments and amounts But Equifax refuses to remove the account from my file and they have no information to support that the account is accurate
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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXXccount Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, 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, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. Theses actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Money transfer, virtual currency, or money service

This complain is against Bank of America ( BOA ) who encourages their customer to use XXXX without providing any protection if the receiving party is a fraud entity. As a BOA customer we don't know if the bank account details of the receiving party, hence trust BOA for providing safety of the transaction. I was defrauded by a bank customer using XXXX account. I have filed fraud claims to BOA but they are not helping me in getting my money back. 
Amount scammed : {$4000.00} total over XXXX XXXX transactions of {$2000.00} each XXXX XXXX Account 1 : XXXX Scammer XXXX Account 2 : XXXX XX/XX/XXXX The scam was for an apartment sublease in XXXX XXXX that was operated through XXXX. 
After emailing the apartment tenant, I am told to apply for the sublease directly through the property owning company named " XXXX XXXX ''. 

I asked to view the unit before signing the lease but was told that they do not show the unit while there is a tenant currently living in the apartment. 

XX/XX/XXXX I called XXXX once again to voice concerns over paying before viewing the apartment, but he assured me that it would be fine because ( 1 ) we would be doing the transactions through verified XXXX accounts integrated with our banks and ( 2 ) that there is a clause in the lease that states that if I were to sign the lease prior to viewing the apartment, I was entitled to a full refund if I didn't like the apartment upon inspection. 

I signed the lease and was told to send the sum of {$4000.00} to secure the apartment. This would be the first month 's rent ( {$2000.00} ) as well as a security deposit ( {$2000.00} ). The first half was to be sent to the XXXX account at XXXX and the second half was to be sent to the XXXX account at XXXX. 

I sent the first half on XX/XX/XXXX through XXXX integrated on Bank of America 's app. 
XXXX confirmation number for first payment ( to XXXX ) : XXXX XX/XX/XXXX I sent the remaining {$2000.00} of the {$4000.00} sum to XXXX through XXXX on XX/XX/XXXX due to XXXXXXXX XXXX daily limits of transfers. I was instructed to send it to a different XXXX account. 

XXXX confirmation number for first payment ( to XXXX ) : XXXX XX/XX/XXXX I call, email, and text XXXX throughout the day to ask for move-in details but he does not respond on any method. I begin to get suspicious and go to XXXX XXXX XXXX ( XXXX XXXX XXXX ) to ask if they have keys for me. I speak with a man named XXXX at the front desk who also serves as security. He asks for the unit number, and as soon as I tell him " XXXX XXXX '' he immediately recognizes it and informs me it's a scam. He calls for his supervisor, named XXXX, who confirms that it is a scam and tells me 4-5 other people have also come in that month having gotten scammed. He gives me his phone number in case it is needed to confirm to any authorities that it was a scam. 

XX/XX/XXXX I call Bank of America 's XXXX XXXX department and submit a claim. They confirm that they have submitted two separate claims ( one for each XXXX payment ). 

BofA XXXX XXXX Case Number 1 to XXXX : XXXX BofA XXXX Fraud Case Number 2 to XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at Capital XXXX opened on XX/XX/XXXX Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX, an auto loan account opened at XXXX opened XXXX XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX Cred XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, Medical account opened at Synerprise account opened on XX/XX/XXXX account number XXXX, Property Management account XXXX at Management Supp opened on XX/XX/XXXX account number XXXX, and Public Record XXXX XXXX Chapter XXXX Bankruptcy opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, and Arizona XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with XXXX, XXXX, and Experian its reporting that I still owe XXXX XXXX  an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

For the month of XX/XX/2020 They said I was 30 days past due and has caused my credit score to plummet!!!!!!! 
I have NEVER!!! been late!!!!!!! I have proof of sending and them receiving on time!!! 
I have faxed this to them twice! This all started when I started a refi! My note was sold this XXXX and ever since I was introduced to this company I have never liked them. They do NOT know what they are doing and they miss handle my money. That is why I am trying to refi my mortgage!!!!!! I need them to take it off all credit bureaus!!! For this is FRAUD!!! 
I have sent them my bank statements showing money was sent to them and my statements from them showing they received it ON TIME! ( TWICE ) But they refuse to fix the HUGE issue with fixing it with the credit bureaus!!!! Please help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/14 Balance : {$26000.00}
Product: Checking or savings account

US Bank offered a very generous promotion that stated by opening a business checking account and leaving a minimum of {$3000.00} in the account for 60 days, that they would pay out a bonus of {$500.00}. This was a ploy to then illegally charge those accounts for an account that was advertised as a free account, meaning no fees. Despite the fact that me and my associates all selected electronic statements when opening the account, US Bank defaulted all accounts to paper statements, without any notice on the promotion or while opening the account. This default not only caused my account to be illegally charged a monthly fee for paper statements, but then disqualified my account for the bonus they promised. This was done by design, and without any remorse as proven by the fact that they happily reversed the monthly fee, while stating to me that it was not disclosed anywhere, and then refused to honor the {$500.00} bonus with the excuse that my account fell below the {$3000.00} minimum when they illegally charged my account for the monthly fee. This goes to misleading and deceptive sales practices which was further perpetuated by US Bank then stating that only a branch manager could solve the problem causing me to drive to a branch that I had never been to, to only be told by that manager that he would have to call the same number I did and would most likely not get anywhere with them.
Product: Mortgage

Submitted application for home modification with my servicer a year ago. They have been asking for documents since then. We provide them every time they ask. I feel that we should have been given an answer in a timely manner. This has caused the arrears to continue to go up. If we would have been given an answer in a timely fashion, we would have been able to explore other options. They simultaneously have served us with an intent for foreclose, with 35 days being given to answer the complaint. My husband and I have been doing everything we could to save our home, i.e. making applications to better paying jobs, going to food pantries, eliminating unnecessary bills such as cable, and keeping our old cars, which have no monthly payments. It is essential for us to keep our home. We have been here since we are married and have a special needs son. This house gives him some stability, and he is currently in a good education program, where he is making progress. We would just like them to provide an answer once and for all. At this point, they have all updated income information and bank statements.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERV XXXX {$300.00} XX/XX/year> The above listed account was wrongfully reported to my account I do not in fact owe Credit Collection Serv and would like this removed and deleted from my credit report as soon as possible.
Product: Mortgage

I made 2 complaint to consumer financial protection bureau already round point mortgage altered the terms of my loan by escrowing the taxes and insurance and returned my payment no taking my money I want them to remove the escrow account and reimbursed my my escrow money I made complaint on XXXX XXXX XXXX please help me they altered my payment to XXXX and when I sign contract for 30 years I supposed to pay XXXX