23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a Destiny Mastercard credit card in the mail in XX/XX/year>. I did not recognize this card or have applied for it. I did not activate it & planned to reach out to the company to ask why I was sent a credit card. 

On XX/XX/year>, I get an alert on my credit report of a new card/account under my name & social security number with a {$170.00} charge. I call the customer service number to put a block to the card. 

XX/XX/year>, I call customer service to ask why I received this card & why there is a {$170.00} charge on it when I did not apply for this card or activate it. There should not be a charge on an unactivated card. They send me to fraud protection & ask if I had opened any other accounts. I said, yes I opened a XXXX XXXX XXXXXXXX credit card in XXXX & they said they will investigate & let me know what the response in within XXXX days. I requested the card be closed & removed from my credit report & the customer service rep said he can not do that because of the investigation. 

I have the call recorded & after a simple search this company has a history of bad practices with credit cards to consumers. Others have reported the same, receiving a card that they had not applied for with charges they did not consent to & no resolution after " investigations ''
Product: Mortgage

To Whom It May Concern : Last year I obtained a home mortgage through XXXX which was financed by Bank of America. I qualified for the XXXX no down payment, no closing cost home loan. 
I closed on my home on XX/XX/XXXX. XXXX XXXX handled the closing for Bank of America and XXXX. Because of the XXXX program requirements I was not able to choose my own title company and had to use XXXX XXXX. 
On XX/XX/XXXX when I attempted to make my normal mortgage payment of {$1400.00}, I noticed online my payment went up to {$1600.00}. When I called Bank of America they told my escrow account was short. I immediately reached out to my real estate agent and asked her to review my documents to see if this was correct as I am a single father of XXXX and the increased payment is causing a hardship on my family. 
My real estate agent reached out to XXXX XXXX, they advised they did not collect enough escrow at closing ; however, upon further review by my agents title company it came to light that XXXX XXXX never escrowed for School Taxes. They only collected escrow for property taxes. When we reached out to the School Taxing authority for XXXX township they told us the School Tax bill was available in XXXX of XXXX. 
When my agent reviewed my escrow analysis she noticed after I closed on my home on XX/XX/XXXX, Bank of America disbursed {$3700.00} in school taxes in XX/XX/XXXX. At that point my escrow account when short but Bank of America did not notify me until XX/XX/XXXX. 
I find this despicable and abusive on Bank of America, XXXX, and XXXX XXXX. No one is trying to fix this mistake. I called Bank of America to file a complaint but they closed it out without resolving, then they told me to write a letter!? 
When my agent told XXXX XXXX they needed to correct this, they told her via email it was the Lenders fault for not escrowing. We have all of the communication in writing. 
This is causing an extreme financial hardship and I have no where else to turn.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Experian has failed to reinvestigate and ensure maximum procedures of accuracy. Please review the attached documents.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe are inaccurate and should be removed. The following information are incorrect and should not be included in my credit report : XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged XXXX on my Chase credit card. When this payment showed up on my statement I immediately reach out to chase because the charge should have been XXXX dollars. 

On XX/XX/XXXX chase called back to let me know the vendor charged XXXX. I explained that I never authorize this charge, signed, or made any purchases that equal that amount. I also asked if they could mail the receipts including my signatures. 

They told me that they see the charges but no singnatures were found. 

This is very wrong. I never made those charges. In never signed anything or approved those. 

As a chase private client and someone who makes 1000s of transactions on a monthly basis I feel violated.
Product: Student loan

I started at XXXX XXXX in XX/XX/2008 and did not finish my degree. I have student loans and the college has since closed. My loans were sent to collection company as I could not afford the HIGH payment they wanted me to pay. I am currently making {$14.00} monthly payment to collection because they have withheld my Tax return. I have asked several different times of lowering my payments to a reasonable amount and can never get anywhere? I would figure they would work with me instead of not getting paid. I just received a phone call from XXXX stating my loan was accepted into the Navient lawsuit and to call this number for 90 % loan forgiveness and gave a ref # XXXX to use when I call back. I'm not sure if that is a scam. I owe over {$30000.00} In student loan debt as I'm not saying I don't owe this but these companies will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX and XXXX. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, the Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : AURA MTG ADR - XXXX
Product: Credit reporting or other personal consumer reports

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove These following inquires Immediately. I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Be removed as this is not my account and was open fraudulently. XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating XXXX XXXX XXXX XXXX XXXX. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from my credit monitoring account that my mortgage was reported as being more than 4 payments past due, and that a payment had not been received since XX/XX/XXXX. This caused my credit score to drop by XXXX points. I was perplexed by this because my mortgage has been in a COVID-19 Forbearance since XX/XX/XXXX. I also had not received a past due notice by mail, or any phone calls regarding my mortgage being past due and in collections. According to my Forbearance agreement I am to check in every 3 months with my Loss Mitigation specialist to provide an update relating to my employment/financials. I last spoke with my specialist ( XXXX ) XX/XX/XXXX and she advised that she would keep my mortgage in the Forbearance status because the notes show that I am currently working with the TN HAF and to check back in with them in 3 months. My mortgage statements ( see attached ) from the last 3 months ( 90 days ) show the status as COVID-19 Forbearance and there have been no late fees or additional fees incurred. If I have been past due since XX/XX/XXXX foreclosure would have taken place by now. 
I placed a call to the mortgage company on XX/XX/XXXX because of this matter and was told that it was past due from XX/XX/XXXX. That can not be, nor is it the case. My mortgage has been, and is in a COVID-19 Forbearance. I have received no notice that it had ended, nor have I received the REQUIRED exit documents that should be provided once the forbearance ends. It is required by law for me to receive those documents and to establish a repayment plan. It is also illegal for the creditor ( Bancorp South/Cadence ) to report negatively to a creditor in regards to that account. The creditor has caused damage to my credit, and it will likely cause my credit lines to be decreased. I am depending on those credit lines while in this predicament. This should be corrected and updated immediately. Please note that before the start of my forbearance my account was current. 

I would also like to add that I received a call on XX/XX/XXXX from the creditor checking my status. I advised her that it was in a forbearance, and asked why she was calling me. She provided no explanation and then transferred me to XXXX. I left a message for XXXX that day, XX/XX/XXXX, as well as 3 days later on XX/XX/XXXX to see why someone had called me. On XX/XX/XXXX I learned that I had been reported as negative and upon speaking with a representative on XX/XX/XXXX regarding this issue I was advised that she was no longer there, and that her voicemails were not likely checked
Product: Credit reporting, credit repair services, or other personal consumer reports

assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to XXXX XXXX XXXX
Product: Checking or savings account

While attempting to pay a bill, I notices several deductions ranging from {$500.00} to {$10000.00} were made by someone other than account holders. I informed Truist bank. Truist is a bank that was created as a result of BB & T merger with Suntrust. I was formally with Suntrust. 
A fraud claim was issued for my checking account. Checking account put on hold. New account created and money left in account placed on hold was transferred to a new account. I can not pay bills through my new account. It doesn't show up when I'm in the Pay bills section. I have called Truist on several occasion and have even gone into the local branch. 
At first I though it was fraud but after hearing customers on XXXX XXXX XXXX it appears to be a internal banking issue. 


See attached.
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 XXXX i made this clear for 60 days straight with XXXX 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting and continuously reporting and validating disputes stating that a collection on my credit report from all credit bureaus for XXXX is valid. I did not come across this until reviewing my credit report to move out of my current apartment and fix my finances to buy a house with my XXXX XXXX XXXXXXXX XXXX  in XX/XX/2022. I filed 2 Identity theft reports, ive sent physical mail letters to all credit bureaus and the creditor. The only response I got from the creditor is that they validated the dispute because of an email address and thats it, which makes no sense to me. The lady i spoke to requested for me to submit a police report but i submitted multiple identity theft reports and Ive put freezes on all my credit reports, ive done all the right things with nothing fixed. Multiple times the report will get deleted and then put back on later, now i have difficulty getting scores, requesting reports, it makes me look bad and get flagged because i have to keep disputing the same reporting continuously. After disputing that it has been deleted and put back on, i dont get any real answers. Ive requested a block and no action has been taken. This affects my debt, my debt to income, mortgage applications, and i am not responsible for this. As a consumer under the fair credit act it should not be this difficult for a young single mother of XXXX XXXX XXXX trying to get her finances in order and work on raising her credit. It is incredibly discouraging and i have given up disputing it multiple times but it is just not fair.
Product: Student loan

After thoroughly looking through the OPENING loan disclosure documents provided to me XX/XX/XXXX, the FAQs on the loan servicer 's website, and TILA, I have discovered that I am still missing the APPROVAL and FINAL disclosure documents required to be given to the consumer in accordance to 12 CFR 1026.47. These THREE documents are still not accessible. As I was not provided with my FINAL disclosure, I was not given my payment schedule, ultimately allowing the servicer to pick and choose my billing cycle and payment date, which violates 12 CFR 1026.47 ( b ) and 12 CFR 1026.47 ( c ). Since XX/XX/XXXX, my payment date and billing cycle have changed at least one time. As the due date has apparently changed, I have no way to verify what the actual due date should be and I am still not receiving the statements in a timely manner so I can make the payments on time.
Product: Credit reporting or other personal consumer reports

Anytime I dispute a incorrect or fraudulent account on my report Experian stated that it could not do anything and that the information came back as verified even though I provided a ftc identity theft report/ as well as requested proof to be show to me to validate the debt as mine and at no point did they provide proof I in fact was told via phone that they did not have to suffice any information as long as they can validate on their end which is unfair and I direct violation of consumer rights. I have specifically disputed items by XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX to which none are my accounts and they will not due their duedilligence to remove dispute,
Product: Credit card or prepaid card

Since I opened an account with Bank Of America I have not received any cash back rewards. Also they opened a credit card with my name saying there is {$2500.00} limit without my permission and they did not send me this card they also keep overcharging me fees monthly.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX, XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully ask for tangible proof to support the account 's legitimacy and allowable use. If there is not enough evidence, I anticipate that the account in question will be deleted from the report. I give you permission to email me an updated credit report and hard copies of the paperwork you took.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to XXXX Equifax and XXXX in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXX XXXX account number XXXX which I do not. The account is completely paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 



Collection Account with Original lender The XXXX XXXX is currently being handled by an out of state debt collection agency : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my Transunion and XXXX credit reports.
Product: Debt collection

A phone number from XXXX, when I pick up a recording plays saying they are looking to talk to me, then another recorded voice come on but they make it sound like a real man, a mean man. And he threatening that if I do not call him " the case will get worse '' and " it's in my best interest that I call ''. Very loud and rude. He then give this phone number to call him XXXX and the email address https : //www.directrecoveryservices.com/. 
It's all fake and needs shut down before they get an elderly victim. 
Thanks for your help!