23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I opened an online account for checking and savings with BMO as it was a holiday weekend I tried to XXXX XXXX a check for XXXX dollars therefore I was told it would have a hold understandable. I returned the following day with a cashiers check for the amount of XXXX from XXXX XXXX for my mothers account as she passed I was named beneficiary of it and went to deposit it and was told that someone already flagged my account as doubt to pay for the prior days deposit so now XXXX told that Friday XXXX dollars would be available and going off what XXXX told I call in and ask if the hold is off my account XXXX told that the fraud team put a hold on.my account because of the check for XXXX dollars was told my account would be closed if the for XXXX came back as a chargeback I said I have proof of funds which I emailed on the XXXX to bmo from XXXX XXXX the lady said when I called in your account will be back to normal tomorrow night being the XXXX so I went in to a branch on the XXXX in pulled out XXXX dollars then I received a call saying my account was back frozen didnt receive a reason why only that I would be contacted this is very in reasonable and Ive went to the branch multiple times because my identity was in doubt clearly are violating bank laws of deposit holds and freezes
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports with XXXX XXXX, XXXX, and Experian and noticed that there are several addresses, phone numbers, and names that are inaccurate or do not belong to me. My only name, address, and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. All others must be permanently deleted from my credit report and file. My credit report must always report fair, accurate, and complete information only. Otherwise, there is a misuse of my information. I have attached my identification which shows my correct information.
Product: Prepaid card

Today, XXXX XXXX, 2016, I bought what I thought was a prepaid XXXX card to pay a bill online. 

I got home and realized it was n't a regular prepaid card. It was a XXXX branded by a company called " PayPower ''. 

To access the funds and pay my bill, I " activated '' the card ( https : //www.paypower.comXXXX ) and found myself being required to open an account. 

My cash was now locked into the card and I had to pay my bill so I continued the process, intending to pay my bill and then close the PayPower account. 

Once I had paid my bill, I logged back into PayPower. The site showed my payment had been made and was pending. 

So I looked around the site for a way to close the account and avoid any fees. There was no information about closing the account so I tried to send PayPower an e-mail. 

Multiple attempts to use PayPower 's e-mail feature failed. So I called them at XXXX XXXX. 

After a very long wait, I was told a " ticket '' had to be opened in order to close the account and that I could n't cancel the account without also cancelling the pending bill payment. 

I asked about incurring additional fees and was told I would n't if I cancelled within XXXX7 days. When the pending payment clears, I was told to call back to cancel the account. 

I 'm very worried about this. 

1. Why ca n't I just cancel this unwanted account? 

2. How long can my payment be " pending ''? 

3. Why is an " account '' being sold in packaging that describes it as " XXXX Prepaid Card '' in big, bold letters? 

4. Why should I be subject to the threat of additional fees in such circumstances?
Product: Checking or savings account

I enrolled in the promotion to open a Citibank interest checking account ( first time Citi checking customer ) via the promo link I was sent. The terms indicated that I needed to deposit {$50000.00} within the first 20 days and maintain that balance for 60 days to receive {$700.00} cash bonus. I opened the checking account on XX/XX/2021 and deposited {$50000.00} during the opening of the account. Now its XX/XX/2021 and Im still waiting to receive the {$700.00} bonus offer. I have maintained my balance the whole time and in fact deposited more money.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Social Security Number : XXXX SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX OPENED ON XX/XX/2022 IN THE AMOUNT OF XXXX, AND XXXX XXXXXXXX ACCOUNT, IN THE AMOUNT OF {$3600.00} fraudulent, inaccurate, and false information. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

I need to access my credit report to review accuracy and correct incorrect information. 
Time is of the essence. 

XX/XX/2020 1. Attempted to obtain credit report through annualcreditreport.com Was not able to sign in. 
2. Reviewed credit report through XXXX. Was able to view. There were inaccuracies. Attempted to long into Equifax to correct. Not able to do so. 
I am able to log into lock and alert on Equifax website. When trying to log into MyEquifax to view credit report and start dispute I get following message. 
Please give us a call. We cant complete your request at this time. Please call the customer care team. XXXX. 

I call the customer care team. They are unable to verify my identity and offer no option to speak with live representative. Following the direction of the automated system I send a fax to XXXX containing a cover letter with my name, address, DOB, DL, and SSN and include a copy of my drivers license. I received confirmation Equifax received fax on XX/XX/2020 at XXXX XXXX. 

There is no follow up from Equifax. 

XX/XX/2020 I send a DM to Equifax via XXXX explaining situation and asking for help in reaching a live representative. They asked for screen shot of error message, what action I was attempting, and my email. I provided all requested information. 
They asked me to call XXXX. The very number I had issues with previously. 

XX/XX/2020 I followed up with a DM via XXXX. No response. 

XX/XX/2020 I followed up with DM via XXXX. Told to call XXXX. 
I attempted to call. Automated system with no option to speak to live representative. 

XX/XX/2020 I called XXXX. Was able to get to live representative. However he said he could only help with lock and unlock. He stated I would need to call XXXX. The very number I had already called twice before, submitting requested docs, without success. He connected me directly. After automated system finished I got a fast busy signal. 

XX/XX/2020 Received response to call XXXX yet again. I have already c alled three times. Never allowed to speak to live operator. I need access to my credit report. I need ability to correct inaccuracies. Time is of the essence.
Product: Credit card

I always try to maintain a XXXX Credit Card balance when statements come due. Sometimes, this involves paying off more than my balance late in the week when I know large charges are coming through on the weekend if the closing date is also on the weekend. I thus paid off my balance with the addition of charges for the weekend of XXXX XXXX on XX/XX/XXXX, as the closing date is the XXXX of the month. However, Bank Of America, without consulting me and without my authorization, credited me the balance on the XXXX, which was the last weekday before closing. This resulted in the large charge coming through on the XXXX. This large charge ended up as a positive balance on my credit card, which was reported to credit bureaus and resulted in my Credit Score decreasing. I contacted Bank of America about this issue and requested that this negative balance credit be disabled. They informed me that this was a permanent feature for situations where there is a negative balance at closing for XXXX consecutive months. I made it clear that this feature did not catch all contingencies, as it does not account for closure dates on the weekend when it credits on the Friday before. They again confirmed that there was no way to fix this. I urge Bank of America to consider cases such as mine, as they can not be that uncommon. Please allow this unwanted balance credit feature to be opt-out or fix the bug so that it accounts for weekend charges prior to closing. Thank you.
Product: Debt collection

Capital One, is reporting inaccuracies, amounts and now False Representation of the debt, on a closed/charge off account. I already have a CFPB complaint on file. However in new light, I've been receiving excessive phone calls. My family members and friends from coast to coast, have received calls from the same company. I received messages that it was the SBA, which I was under the impression it was the Government agency for Small Business Association. I called the representative Mrs. M ... who identified herself as SBA Agent. After a moment on the phone she then identified herself as a investigator that was hired by Capital One to find me. She stated that she's been trying to locate me for the debt I owe to Capital One. I don't know this company, I've NEVER heard of them nor do I owe them anything. Capital One has never mentioned them on the phone, by mail or my credit file. 

INACCURACIES REPORTING : ALL 3 BUREAUS different balances different closed/charge off dates different date of last payments dates different account numbers posting past due balance posting late payments ( monthly ) increasing balance ( monthly ) activity after closed dates, today also XX/XX/2020 FCRA VIOLATIONS
Product: Mortgage

Nationstar has reported false and incorrect information to the credit bureaus indicating I am more than {$110000.00} delinquent. Nationstar 's predecessor, XXXX XXXX XXXX, NEVER attempted to collect after the foreclosure sale. 

There 's been active litigation between XXXX and myself since XXXX 2012. I have included the most recent docket entry on the Federal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't been able to pull my Experian report online or recieve my credit score online since XX/XX/2020. I have had endless conversations with Experian with no results. I even have a membership with them. They said they would have their IT department call and email me and they never followed through. I need to know what my score and the information on my report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00}.
Product: Vehicle loan or lease

XX/XX/2020 i never gave anyone consent to use my information
Product: Mortgage

RE : XXXX Loan serviced by Seterus , Inc . 
To Whom It May Concern : I am writing to you about issues that I have with Seterus. I closed on the townhouse property XXXX XXXX 2005. Due to the market at that time, I had more than XXXX % equity in the townhouse at closing. However, I was told that I would have to pay PMI ( private mortgage insurance ) for only 2 years. As you well know the real estate market subsequently crashed. My mortgage became underwater through no fault of mine. 
Since the XXXX 2005 closing, my mortgage was bought and sold several times without my prior approval and/or prior knowledge. I have been paying PMI for 9 years and 9 months. WHY?
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like these unauthorized and unknown accounts off my credit file, or to show physical certified cause of why you and your company ( Experian ) is still reporting these fraudulent accounts. Please remove these accounts, 1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1500.00} 4l XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX2022 ive owed {$230.00} to capital one. My monthly bill is {$91.00} dollars and i had previously paid it on XX/XX/XXXX. I missed my payment on XX/XX/XXXX due to me being unemployed. 
I contacted and set up a payment plan to catch my account up to date by XXXX XXXXXXXX 2023. This would have {$100.00} on XX/XX/XXXX and XX/XX/XXXX and feburary XXXX. 
There was an email sent with the details of the plan ( and this was more than the minimum id originally paid which was ridiculous ) I had paid {$100.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX ( must have been off {$3.00} ) i check my consumer report on XXXX and saw a missed payment on my credit report as well as 100+ % utilization for the capital one account.

They still showed the account on my balance having 2 late fees and it substantially dropped my credit more than i like to admit. 
Ive reached out to capital one and their response was not helpful at all and said the payment plan was not to prevent any late fees from happening or missed payments showing up on credit beuru I felt like i signed an agreement that was not originally intended for and i tried working with the monthly payment whoch was off by {$3.00} when paid to get myself up to speed. I did offer to not only pay the {$3.00} but the following months payment And the payment plan wouldnt help me any way as a consumer to deal with financial hardships as promoted Not to mention a high XXXX apr as well as a high minimum fee due with also late fees costing {$40.00} a month
Product: Checking or savings account

I have filed two other complaints about Navy Federal Credit union - A few days ago they decided that the credit they already gave me on my XXXX XXXX card for fraudulent activity is now added to my balance of my credit card - I have a credit amount of {$15000.00} and now my credit card balance is over {$24000.00} When I called they told me it was found to be fraudulent and the credit would stand Navy Federal has ruined me - ruined my credit and ruined me getting bank accounts anywhere along with my credit rating going down. 

These companies that have fraudulently charged my accounts are from XXXX XXXX, XXXX ( a gift card buying web site ) of which I DID NOT PURCHASE ANYTHING FROM THEM OR RECEIVE ANYTHING!!! 

THE REASON NFCU IS DENYING THE FRAUD CLAIMS IS NO BILLING ERROR HAS OCCURRED. OUR DETERMINATION WAS MADE BASED ON YOUR TRANSACTION HISTORY, ACCOUNT HISTORY AND/OR DISCREPANCIES BETWEEN THE FRUAD CLAIM NAND NYOUR ACCOUNT NFCU OWES ME A LOT OF MONEY AND THYE ARE JUST DENING THE CLAIMS TO HURT VETERANS AND THEY BREALY DO NOT CARE ABOUT THE PEOPLE THEY SERVE. 

I NEED THE MONEY NAND THEY NEED TO HOPEFULLY RESTORE MY CREDIT RATING THIS IS AGAINST THE FEDERAL BANK REGULATIONS- IF YOU REPORT FRAUD IN A TIMLEY MANNER THEN YOU ARE NOT RESPONSIBLE FOR ANYTHING OVER {$50.00} - THIS IS THOUSANDS OVER NFCU HAS PUT MY CREDIT RATING BELOW 600 AND CLOSED ALL OF MY CHECKING ACCOUNTS AND WILL NOT REISSUE MY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX XXXX XXXX   VIOLATIONS FILED AND SENT
Product: Credit card or prepaid card

On XX/XX/2020 a credit of {$16000.00} from a cancelled trip was applied to my Citi visa card ending in XXXX. 

On XX/XX/2020, I requested the credit balance to be sent to me by check. I was told that the check would be sent to me by XX/XX/2020. 

I have made numerous calls to Citi Visa each with a very long wait time and so far no check has been issued to me. The $ XXXX credit balance remains in my account. I realize in this time of the virus pandemic there are staff shortages but it has been too long for my money to be withheld by Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax. They are continuing to report derogatory information against me regarding a collection account by XXXXXXXX XXXX The collection company has requested Equifax delete this negative tradeline but for some reason Equifax is refusing to delete the tradeline. 

By law, Equifax is required to report accurate information and by failing to delete this tradeline per the furnishers request they are in violation of the Fair Credit Reporting Act. To remain in compliance with the Fair Credit Reporting Act Equifax must delete this tradeline immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a utility account with XXXX XXXX. on my credit report that isn't mine. I have an account with this company that has been open and in good standing for over 20 years. The one on my credit report isn't this one. 

I've disputed the account. I received a letter from XXXX XXXX at XXXX explaining that she can't help unless I provide her with the account number. She provided no contact information in her letter. 

XXXX XXXX email address isnt on her XXXX account. Ive searched everywhere for an address for her. I've written XXXX XXXX seven times at five different email addresses trying to explain that I cant give her the account number because Experian wont give it to me for my protection. 

In my email to her, I explained that the XXXX credit reporting agencies all report different information about the account, but taking all of the info from all reports together into consideration, we see that the account was CLOSED and attached to my name in 2017. It was then OPENED the NEXT day. The day AFTER this, the final payment was made, but that payment was already delinquent. And in the one day between the time the account was opened and the time the final payment was made, so much electricity had been used on the account that a balance of {$400.00} remained AFTER the final payment was made. 

I have two living units on the XXXX account Ive had for 22 years. These two units, together, generally run up a bill of $ XXXX. I have no idea how anyone could even begin to run up a bill in one day that would leave {$400.00} due AFTER a payment was made. Or how an account is opened the day after it is closed. Or why it was in my name before it was even opened. And I cant get any answers to any of these questions. 

When I added a copy of the letter I got from XXXX to my Experian dispute, I got a response in about an hour outside of both XXXX  and Experians business hours that XXXX had recertified the debt. This is the {$400.00} debt XXXX wrote me a letter about, saying, basically, What account? This is the debt Ive been emailing XXXX about for a month ( without a response ), trying to explain I cant provide them an account number because Experian is protecting me. Yet, somehow, while both Experians and XXXX  offices were closed, Experian was able to contact XXXX, pass along the information Ive been trying to get to them, receive a response from XXXX, in which they recertified the debt, and then notify me that nothing on my credit report will change concerning the account without an account number that was closed in my name the day before it was opened five years ago. 

And, again, all of this communication took place while both companys offices were closed. 

I dont feel my dispute is being taken seriously.
Product: Debt collection

I recently, XX/XX/2020, missed a {$75.00} payment to tidewater finance company, they called and I told them I was temporary out of work because of the Covid-19 restrictions and that I applied for unemployment insurance I was told I would receive payment in 4 to 6 weeks and would pay a double payment on XX/XX/XXXX, of course they said there would be late fees and I informed them that no other agency was charging any late fees and that was unamerican. They have called me three times since them, on XXXX they called again and I spoke to the supervisor again, but she told me that by XXXX XXXX st it would be to late to make a payment it will go to collections.
Product: Credit reporting or other personal consumer reports

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake