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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr Cooper Mortgage increased my payment to XXXX from XXXX When I called to inquire the CSR had a myriad of reasons which were easily refuted. 
Then she informed me my escrow account was negative.. 
My statement reflected XXXX which is well over the 2 month reserve requirement. 
The she informed me I actually had XXXX in impounds! So I suggested my payment be revised immediately as I was never in arrears on anything. 
She then said it couldn't be done! 
After going through this I decided to check with XXXX complaints. Well there were XXXXXXXX XXXX of similar.. 
That's when I decided to look for who Governs these shoddy companies. 
Alas I found you.. 
I need help. We're XXXX on a fixed income.. 
I have never been late on my payments. 
I need help. 
Thank you XXXX XXXX XXXX
Product: Checking or savings account

we have been banking with TD bank about 20 years. on XX/XX/22 our rent check was stolen and cashed at XXXX of the TD bank branches. they changed date, amount ( {$960.00} ) and forged the signature and cashed. when we found out, we immediatelly call and went to see the banker in person. I was told that we would get money back in XXXX weeks. and they asured us the new check we sent out to our landlord will be clear. only to find out that it was bounced and we were charged a late fee. we had set up automatic credit card payment as well, but beause of this we were chareged hundreds of dollars in returnd payment and late fee. ( Im never late on payment and pay in full each month. ) it's been a month and a half, no money, no updates from the bank. Please help up get {$960.00} back. hopefully some of the return check and late fees as well. thank you in advance
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Account Number : XXXX, Individual Credit Card .

This account was paid and closed but was created fraudulently due to identity theft. 

Additionally, I previously dealt with similar cases involving XXXX XXXX XXXX and XXXX XXXX under Case No. XXXX, filed on XX/XX/year>. This case was resolved and closed in the XXXX XXXX XXXX XXXX XXXX, XXXX of Georgia, confirming the incidents of identity theft. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this incorrect account from my credit report. I have attached supporting documentation for your reference, including proof of identity theft and court records. 

Please review my request promptly and confirm the removal of this account
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Sent to : ALLY CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my Ally Financial experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via Ally Financial until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing Ally of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received Ally email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from Ally, all of which is egregiously false. 

Personally, I am a single, XXXX grandparent, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is one CAN NOT get a US Ally Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, XXXX, XXXX, and XXXX are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

ALLY FINANCIAL POTENTIALLY NEGATIVE Account Info Account Name ALLY FINANCIAL Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed some inaccuracies on my credit report i brought it up to XXXX Experian and XXXX they told me they were going to take care of the problem but they never did. its effecting my credit report and score.
Product: Credit reporting or other personal consumer reports

I did not do any business with these companies and this is badly impacting my credit status.
Product: Debt collection

I received another call at XXXX XXXX from " XXXX XXXX '' from XXXX and I finally decided to pick up the call because it seemed to be a personal call. She ( XXXX XXXX had my name, address, the last four of what she claimed is my social security number, and that I had a debt with Check N ' Go tied to a XXXX XXXX bank account from XXXX  ( which I do not have ). The person would not give me her name and would only provide the last four numbers of a supposed account number ending in " XXXX ''. I ask for the date of the transaction and the person 's name because I will be escalating this matter to my attorney, she then hung up the phone on me. 

I have never utilized Check N ' Go and this person threatened legal action by escalating the matter to Small Claims court and that I could respond once I received the subpoena. 

This individual also referenced phone number XXXX XXXX XXXX XXXX. Due to the abrupt ending of the phone call I'm inclined to believe this is an ongoing scam. CONSUMERS BEWARE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting 90 plus days late on the XXXX/XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Credit card or prepaid card

On XX/XX/2023, I tried to pay the balance of my Best Buy/Citibank credit card. However, the Citibank payment system did not allow me to log in. I went back online on XXXX XXXX XXXX, and paid the entirety of my balance ( approximately USD XXXX ). 

HOWEVER, next month Citibank sent me a statement with a USD XXXX late fee penalty. I did not pay it because I should not have to be penalized for a late payment that was only late because the bank system did not work the right way. In other words, the only reason why I did not make the payment on time was because the system put in place by the bank did not allow me to do so. 

Now, Citibank and BestBuy have added an extra amount to the penalty, that now totalizes around USD XXXX. 

I called BestBuy/Citibank call center XXXX and they refused to cancel all the charges. They still intend to penalize me with XXXX USD. 

This is the closest thing to robbery I have ever seen. I could not pay because of their defective payment system, and they go ahead and unilaterally impose a penalty for the late payment.
Product: Credit reporting or other personal consumer reports

bank XXXX XXXX XXXX jpmcb card XXXX jpmcb card XXXX
Product: Payday loan, title loan, or personal loan

I was told by XXXX at Mariner Finance on XXXX XXXX, 2020 to payoff {$9000.00} before XXXX. XXXX, 2020 and there would be no interest or fees. I asked her repeatedly & she even circled the amount on my document to confirm that if I paid {$9000.00} before the 1st due date which is XXXX. XXXX, 2020 there was absolutely no interest or fees. When I called on XXXX XXXX, 2020 to confirm the payoff amount before bringing the funds into their office ( ie:1 month later & I accrued {$400.00} interest? ), they gave me a different amount of {$9400.00}. Which I tried to correct them that was incorrect from what XXXX told me & circled on my document, but they refused to listen & stated unless I paid {$9400.00} on XXXX XXXX then I would continue accruing interest before my 1st due date of XXXX. XXXX, 2020. I contacted their Branch Manager XXXX the day after, but she refused to listen to me that what I was told should be honored & that I paid before the 1st due date of XXXX. XXXX, 2020. Therefore there should be no interest or fees. Not to mention they ran my credit report for the 2nd time after I was already approved the 1st time. I also was blind-sided with them taking the title to my car for collateral, which that was not initially discussed over the phone. I would like this issue resolved with reimbursement of {$400.00}, which is the difference from the {$9000.00} that I was originally informed to pay before XXXX. XXXX, 2020.
Product: Vehicle loan or lease

I leased a car from BMW for 3 years and never once had a late payment. At the end of my lease I sold my car back to BMW and they gave me a check. Apparently there was a closing cost that I was not aware of, and Im not sure why they wouldnt just subtract that cost from the check they handed me. A month after selling back to BMW i moved so I was not aware of any mail sent to me and they did not send emails. I have since paid the {$300.00} closing cost but bmw dropped my credit score a significant amount and told me that for the next 7 years they will have a late payment status on my credit report. My credit score was XXXX and is not XXXX because of this and I am unable to raise it again. I have no late payments and have never missed a payment so I feel that this is a misrepresentation of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to obtain my credit score and information for Experian in over 1 year. I have called, went online and sent letters but none of those methods worked. My scores for XXXX  and XXXX  is over 740 but my information for Experian is not appearing.
Product: Checking or savings account

Dear XXXX XXXX, We have reviewed your account and believe you are engaging in XXXX or more restricted activities as described in the PayPal User Agreement. Specifically, your use of our services has resulted or may result in disputes, claims, reversals, chargebacks, fees, fines, penalties, or other liability to PayPal, other users, or third parties.

For that reason, future abuse may result in the closure of your PayPal account and your PayPal Debit Mastercard. 

Sincerely, PayPal Debit Card Team Please don't reply to this email. We are unable to respond to inquiries sent to this address.

The PayPal Debit Mastercard is issued by XXXX XXXX XXXX XXXX XXXX XXXX ) pursuant to a license by XXXX XXXX XXXX and may be used everywhere XXXX is accepted. XXXX and the circles design are registered trademarks of XXXX XXXX XXXX. XXXX is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.
Product: Vehicle loan or lease

There is an administrative fee added into the amount financed, which is improper and will result in interest being charged on the administrative fee amount over duration of the loan. For this reason I am rescinding my signature on the contract. This error is in violation of US Codes on Consumer Credit Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to Experian , Letter to XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from Experian : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original  delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe Experian/Experian are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX
Product: Mortgage

My mortgage was in Forbearance due to Covid- I worked with the NY Housing Assistance Program to get caught up - which I did. I on multiple occasions requested a forbearance when I again got behind on my mortgage which was denied every time I requested. The entire time I was requesting a forbearance- I was again working with the NY Housing Assistance Program for funding. NY HAP was in regular communication with XXXX regarding my application for the program funding and in XX/XX/XXXX XXXX still put my home in foreclosure status and started charging my account tons of Attorney Fees & FC Expenses & Late Fees. Please see dates and fees charged : XX/XX/XXXX - Attorney Fee {$1600.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Expense {$520.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$410.00} ( Advance ) XX/XX/XXXX - FC Fee {$35.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$570.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XX/XX/XXXX - Late Charge Adj {$25.00} XX/XX/XXXX - Late Charge Assessed ( {$22.00} ) XX/XX/XXXX - LM Expense {$14000.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$450.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - FC Fee {$45.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$3900.00} ( Advance ) XX/XX/XXXX - FC Fee {$1000.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XXXX forced me into a loan remodification at a much higher interest rate ( 5.625 % ) than my Initial loan interest rate ( 4.250 % ). Prior to my forbearance my monthly mortgage payment was {$1100.00} but while I was in the middle of my Forbearance my regular monthly payment skyrocketed to {$1300.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : 1. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX 2. Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX The following inquiries are not authorized by me, please remove : 1. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX 2. XXXX XXXX XXXXXXXX XXXX The Inquiry was reported on XX/XX/XXXX 3. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 4. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 5. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 6. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 7. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 8. XXXX XXXX XXXX XXXX was reported on XX/XX/XXXX 9. XXXX XXXXXXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 10. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 11. XXXX / XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 12. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 13. XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX 14. XXXX XXXX The Inquiry was reported on XX/XX/XXXX 15. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 16. XXXX XXXX The Inquiry was reported on XX/XX/XXXX 17. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX 18. XXXX The Inquiry was reported on XX/XX/XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Product: Credit card

I applied for a secured XXXX credit card from Capital One NA. 

They approved me and asked for 3 months of bank statements, 3 months of paystubs, Front and back pictures of my drivers license, Utility bill dated within the last 30 days and a Picture of my social security card.

After two weeks of no updates I called customer service and they said that the account was closed and they could not tell me why. The agent asked then asked if there was anything else they could help me with?.. I said I need the {$200.00} deposit I gave the same day of approval refunded back to me. 
She could not give me my deposit and couldnt give me an explanation of what happened.