23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section ( 15U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE purposes for obtainin a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello. So im having a big issue with my bank PNC Bank. Back in XXXX someone stole my online banking info in result of me losing my phone. They were abled to put fake checks in my account of {$3000.00} and another 2 checks of {$1500.00}. They forged my signature and they were using my XXXX XXXX, XXXX XXXX and XXXX to send the money to different accounts! They also stole all my money that I already had in my account. I ended up opening a police report on XX/XX/2021 when I realized that all of my money was gone. When I told the bank about it they opened a case. But the person that had my case did not call or communicate with me for 3 months! And when they finally did call me on XX/XX/XXXX, I was told that the bank is denying on giving me back the money I lost and also put me in debt for {$2200.00}! And it got even worst when I reopened the case, they did nothing and raised the debt to {$3400.00}! When I asked the bank the reason why they refuse to give me all the information needed and all they said was that the transactions were approved because it looks like I did it, when clearly someone stole my phone and used all my information! Please I need someone to help me remove the bank debt. I come from a low income home and obviously is not fair for the victim to do pay off debt caused by a scammer. I tried reopening the case but they keep telling me the same results. This has been going on for almost 5 months and im losing my mind and have been in terrible stress. I also filed a identity theft form on XX/XX/2021. Also the amount of money that im supposedly to be owned back is not correct on the police report. I only lost about {$1400.00} and the report says {$4000.00}, which could of been clear if I had gotten enough assistance from the bankers. I need possible solutions to this cause ASAP please. I don't even have this kind of money : ( The bank refuses to give more information and I know for a fact Theyre making a mistake!
Product: Checking or savings account

Woke up to a new Bank of America checking account being opened in my name. I received two emails separate emails in my spam email account from Bank of America. The first said my checking account application was in process. The second said it was approved and had the type of checking and the last 6 digits of the account number. 

Ive called BoA, and with the last 4 of my SSN, there surely is an open account with the same digits in the email that is not yet funded, and the thing is, I cant seem to get anyone of the phone. The first time I was disconnected and the second time, I stayed on hold for 30 mins to be transferred and then disconnected. I finally reached a live person who claimed that a new fraud alert was being created but Ive yet to receive an email confirmation or a letter in the mail. Its been over two weeks since I spoke to the last Bank Security Agent. Please help!
Product: Debt collection

I disputed the debt and requested evidence it related to me in any way and no response and I learn they reported on my credit
Product: Mortgage

My mortgage processor has severely limited my payment options as a result of their own internal error. This has made it very difficult to pay them resulting in additional fees due to delays they have introduced to the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, I have sent numerous certified letters to all XXXX major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX EXPERIAN : a ) XXXX XXXXXXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major XXXX credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the XXXX Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the fair credit reporting act *XXXX* XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 
15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. 
The account status is DIFFERENT with all three credit bureaus. 
The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. 
And again... all of this is PROVEN in the file attached to this complaint.
Product: Credit card or prepaid card

XX/XX/XXXX : Closed American Express blue cc account ( ending XXXX ) due to forced arbitration opt out refusal by Company.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded. 
Per representative XXXX : refund check to be mailed with in 5 business days.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded again. 
Per representative XXXX : refund check was mailed, but will be mailed again with in 5 business days.
XX/XX/XXXX : Filed complaint with CFPB. XXXX must be hurting for cash funds, if they hold on to closed account fund fraudulently for so long. Maybe this complaint will speed up things and prevent other customers from being exposed to these pretetory business practices. 
Thank you for your help.
Product: Money transfer, virtual currency, or money service

I opened an account with Venmo and was adding funds through my XXXX  account to bet on XXXX. I won twice and was told I couldnt withdraw my winnings through XXXX but I could use my Venmo account. I withdraw all funds to go to that Venmo account which was XXXX. I attempted to bet again on XXXX which is supported by Venmo and they permanently suspended my account and kept my funds. Please help me
Product: Credit card or prepaid card

We have a company credit card with Home Depot and are having an issue with incorrect statements being mailed EVERY month. The statements are generated 10 days BEFORE the end of the billing cycle and include 10 days of last month 's purchases and 20 days of the current 30 day cycle. Absolutely worthless statements. 

Example : I have a Home Depot statement dated XX/XX/22 for {$230.00}, but the actual amount due is different since some of these invoices were already paid and 10 days worth were omitted due to the statement being generated before the billing cycle ended. 

The statement does not even include a date the payment is due! Citibank, N.A is the vendor for home depot and should be providing customers with an accurate statement each month instead of trying to convince customers this absurd billing practice is the norm!!
Product: Checking or savings account

On the morning of XX/XX/2020 i got onto the Wells Fargo website to research how to close my account. The FAQ 's on their website said to : " Step 1 : Prepare your account for closure : Your account must have a positive or zero balance. 
All deposits, outstanding and pending items must be posted. 

Step 2 : Contact us to close your account : Call us at XXXX Or visit a Wells Fargo near you. 
If outside of the U.S., complete the Account Closure or Partial Withdrawal Request form and send it to us by mail. '' I did an online banking internal transfer from my Wells Fargo checking account to my Wells Fargo savings account leaving my checking at a {$0.00} balance. I then transferred my Wells Fargo savings balance to my Wells Fargo VISA leaving my savings account at a {$0.00} balance. I had no other pending transaction on the account. I had completed step 1. 

I then called the number listed and was informed I had to wait to close my account because of the pending internal transfers on my account. I could try to call tomorrow to close the account. i wasn't even given an exact date of when I could close my account. 

Nowhere in the account agreement or the online FAQ 's was this specified. An internal transfer should not hold me up from closing my account. I believe this is yet another Wells Fargo internal practice to collect any potential NSF or Returned Item fees if anything tries to clear my account. Although I know for certain I won't have anything clearing, I still felt the need to report this shady and unnecessary money grab by Wells Fargo to protect other consumers. Having worked in financial institutions for over 17 years, this practice is unethical and wrong.
Product: Credit card or prepaid card

A charge was made on my account after I told them to block all charges. 
there was an alternate credit card number to be used on file on Amazon.com, but Amazon chose to charge my Amazon store credit card instead.
Product: Mortgage

XXXX  took over my mortgage loan  XXXX / XXXX /  XXXX   and increased my payment without any explanation. My taxes has not increased nor has my mortgage insurance I contacted loan care on    XXXX   XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  an d  XXXX  I spoke to several people from customer service representatives (  XXXX  #  XXXX , supervisor  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX  and  XXXX   XXXX   XXXX   XXXX  and no one could tel l me why our mortgage increased from {$1900.00} to {$2000.00}. They stated our pervious loan server (   XXXX   XXXX   ) sent them.  which we never received anything for chase stating a mortgage increase. We submit  XXXX  our monthly documents on our payments since our home loan was first open. Each company when they take over your mortgage is supposed to do their our escrow analysis. I called as soon as I got a new letter from them stating a different amount then their initial welcome letter and from what I had been paying. I was told by  XXXX  that she 's not sure why the amount changed but she will order an escrow analysis from their company (  XXXX  ) and this was on  XXXX / XXXX /  XXXX  . I called  XXXX / XXXX /  XXXX   and spoke with  XXXX  #  XXXX  and was told that she did n't see anything in the system about an escrow analysis or anything about anyone checking to see why my mortgage was increased and she stated that she would order an escrow analysis. This is very stressful. I called serval time and even got hung up on by  XXXX  #  XXXX  and supervisor  XXXX  #  XXXX  and just today  XXXX / XXXX /  XXXX   I tried to call 3 times and just keep getting voicemail. I know that there should be  3 options before they add any amount to my mortgage account. Which are pay the amoun t in full, make partial payment or spread out over 12 months. None of these options was offered.
Product: Mortgage

I refinanced a loan and are waiting for a refund of our impound account from Loancare/ XXXX . We paid our property taxes of {$3600.00} during the closing of our refinance on  XXXX / XXXX /   17. We were told that Loancare receiv ed the refund on  XXXX / XXXX / 17 .  <P/> We received a portion of our impound account on time however we are missing the {$3600.00}, the same amount we paid for our real estat  e taxes in closing.
Made numerous calls and sent emails to Loancare with   no help or results.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXXXXXX XXXX {$6400.00} XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report submitted by myself.
Product: Credit reporting or other personal consumer reports

The assignee as a consumer reporting agency is acting as and is a debt collector as pursuant to 15 U.S. Code 1692a ( 6 ) The assignee as a consumer reporting agency are acting as debt collectors pursuant to 15 U.S. Code 1692a ( 6 ) The assignee is my servicer and a holder for the original creditor servicing the credit balance held in the account as security interest of the consumer and obligor pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The assignee as creditor and servicer and holder of the security interest in the account entitled to the consumer are money transmitting business ( es ) pursuant to 31 U.S. Code 5330 ( d ) ( 1 ) The security interests that are the credit balances in excess of {$1.00} held in each reported account is entitled to the consumer as security interest held for the benefit of the obligor as pursuant to 15 U.S. Code 1666d in accord with 12 CFR 1026.11 - Treatment of credit balances ; account termination as well as 12 CFR 1026.21 - Treatment of credit balances as well as 31 CFR 306.11 All inaccurate accounts on the consumer report are to be deleted inclusive of any and all inquiries on the consumer report being in direct violation of 15 U.S. Code 1681b for no inquiry remaining is benefit of the consumer and removal of such is a private beneficial interest of the consumer Each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are liable for each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are hereby liable for civil liabilities pursuant to ; 15 U.S. Code 1640 ( a ) ( 1 ) 15 U.S. Code 1640 ( a ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1641 15 U.S. Code 1644 15 U.S. Code 1681n 15 U.S. Code 1681o 15 U.S. Code 1693h ( a1 ) 15 U.S. Code 1693h ( a2 ) 15 U.S. Code 1693n 15 U.S. Code 1611 for violating the following ; 15 U.S. Code 1692e 15 U.S. Code 1692j 15 U.S. Code 1681b 15 U.S. Code 1692d ( 4 ) 15 U.S. Code 1692f 15 U.S. Code 1692g therefore respective consumer report per consumer reporting bureau is attached displaying each creditor for each account and inquiry in violation presenting evidence of the claims upon the face of the documented reports.
Product: Debt collection

date account was open XXXX XXXX, XXXX I've called the debt collector several times and sent a debt validation letter and yet I didn't get a response. I went a step further, contacted XXXX and XXXX to verify that they received my certified mail of the letter I sent to debt collection. I am beyond frustrated in doing the same thing over and over again without results. please I need help to get this resolved.
Product: Mortgage

We have had a bad experience ( sinceXX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XX/XX/XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information, or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Product: Credit reporting or other personal consumer reports

I find it extremely frustrating having to deal with Transunion Customer service, they continue to ignore my requests, they always come back saying things are verified when in fact they are NOT. I have unauthorized inquiries on my transunion credit report I did not make and this has caused my score and data points to go down. I have been extremely XXXX  and anxious over this because it hinders my person and knowing negative items WHICH are NOT mine, are being reported is unacceptable. I have reached out to Transunion multiple times and they do not seem to care. I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and never calling back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX  XXXX Account # XXXX ), with late payments reported for XX/XX/2024 and XX/XX/2024. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Product: Debt collection

I had a XXXX  performed at XXXX XXXX on XX/XX/XXXX with a short office visit prior to receive prep instructions.. To date I have received the following bills from XXXX XXXX for it : 1 ) {$67.00} dated XX/XX/XXXX : This is now 74 days past due and the hospital was notified in writing that I was delaying payment while the amount was under appeal with Medicare. 

2. {$120.00} dated XX/XX/XXXX which contained 2 charges : the {$67.00} mentioned above and a new charge of {$54.00}- which I PAID by a check that cleared XX/XX/XXXX, but to date this is not reflected in the online bill pay portal. I have repeatedly messaged the Hospital to correct the amount in the bill pay portal but they have not done so, making it impossible for me to pay the amount actually due via the portal without incurring double payment. 

3. {$180.00} on XX/XX/XXXX- which consists of : the {$120.00} above, of which {$54.00} was already paid, i.e. this amount is incorrect. 
{$66.00} in newly billed charges which are not yet overdue I am unable to make payment of the amount I actually owe ( $ XXXX {$54.00} = {$130.00} ) because the online bill portal will accept only {$180.00}. I am out of the US at this time so the online portal is the only means through which I can remit payment. I have repeatedly communicated this to Nuvance to no avail and with no response. 

Meanwhile, despite the fact that no charge is 90 days overdue, the hospital turned this over to a collection agency, Credit Center. Further, they turned over not just the {$67.00} which is overdue, but the amount already paid and the amount just billed on XX/XX/XXXX. From the amount in the collection agency letter it appears there are other charges as well for which I have not yet even been billed. 

According to the Hospital 's Financial Policy Credit And Collection : " it is the Networks policy that accounts not paid within ninety ( 90 ) days will be reviewed for appropriate collection action. This amount, and the amounts below, were not overdue 90 days. '' My complaint is three fold ( your menu made me select just one ) : - Unjustified initiation of a collection action in clear violation of the company 's own policy, with attendant negative consequences to my credit rating. This is my main concern -Double billing for an amount already paid - Failure to adjust the amount in the online bill pay portal to reflect payment already made, making it impossible for me to use that channel for the amounts actually due, despite repeated requests and being informed that I am overseas so can't mail a check, have to use the portal.