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

XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a XXXX XXXX XXXX credit card by American Express with account number XXXX XXXX XXXX. American Express National Bank did not make me aware that I would be personally liable for XXXX, XXXX business credit cards debt of {$37000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX  XXXX XXXXXXXX in XX/XX/XXXX. 

I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of XXXX cycles, each started with 4-hours XXXX at XXXX center and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX  and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my knees and on my hands. 

On or about XX/XX/XXXX, American Express retained XXXX XXXX XXXX, XXXX. contacted me to collect the business credit card debt. I called its attorney XXXX XXXX XXXX. It said American Express did not inform it that the debt was a business credit card debt, and it did not contact me anymore. 

I contacted American Express, it said it will report the debt as disputed debt to credit bureaus as my personal credit account. 

On or about XXXX XXXX, XXXX, American express retained XXXX XXXX , XXXX to collect the business credit debt. 

A staff of XXXX XXXX XXXX XXXX called my daughters personal phone number, called my ex-son-in-laws personal phone number to collect the business credit debt. In addition to multiple phone calls to my personal phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraudulent all accounts need to be removed never applied for nun of these accounts. Please remove from my account
Product: Mortgage

I have a mortgage with Wells Fargo. I refinanced with them and they misled me about how much the closing costs were going to be and they took money from the original escrow account and no one can explain to me where that money went. They also never calculated in the new escrow into the closing costs to make it seem the closing costs were not as much as it seemed.
Product: Checking or savings account

We mail in our rent on the first of the month, but it usually takes one-two weeks for our landlord to deposit it. Sometimes it 'll be up to the XXXX of a month, the money has n't been taken out according to our bank 's website, mobile app, and ATM, so we 'll go get groceries so we can last a couple days until we get paid again. Two or three days will pass, we 'll check our account, and we 're good. We 're a few bucks short of rent, but we get paid the next day, so we should be fine. 


Friday rolls around, we check our account, and there 's much less money than we expected. We go to check the transaction details and there are MULTIPLE overdraft fees. The rent check has indeed come out, but now it looks like it came out on Monday or Tuesday. It never showed this anywhere between Monday and Thursday, but it 's suddenly there now. And every transaction that occurred after it 's currently posted date has resulted in it 's own overdraft, whereas if it was withdrawn in the order that the account had shown the day BEFORE, there would only be one overdraft, sometimes by only a few cents. 


I 've tried calling and messaging multiple times about this issue which has happened SEVERAL times to us over the past few years. When they 'll actually talk to me ( which is almost never ; despite me being on the same account with my wife, they always insist to speak to her, but she can almost never be around because of her work schedule, ) they tell me " Well it looks like it came out on Monday! '' It did n't look like that all week long, and I of course have no screenshots to prove it because who takes random screenshots of their bank account predicting that they 're going to be XXXX over this month? 


Now, I understand that the day the check is deposited and the day it clears can differ. But the day it posts to our bank account should be the day the money is officially withdrawn from our account. We have no possible way of knowing the status of the check and the website gives you no indication that it is currently " Pending '' like it will do for other types of charges. 


It has happened to us at least three times in memory, possibly more, and has cost us hundreds of dollars in overdrafts where only a single one should 've occurred each time. Everyone we 've reached out to for help seems to be utterly clueless as to what even happened, and every single time they 've had to ask for someone else to help them out. We ca n't be the only ones this happens to. We 're just trying to catch back up on finances and pay off debts ( I have an issue with sudden extra debts showing up with no warning AFTER we finished paying off our entire Regions Credit Line, but I 'll make that a separate complaint, ) and having this happen to us every few months is like that XXXX XXXX XXXX song : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Follow up to closed complaint XXXX. 

My mortgage company has manipulated my loan terms through an unauthorized XXXX XXXX XXXX XXXX XXXX ). This dramatically increased the pay down amount required to remove private mortgage insurance by over {$50000.00} and was done without my consent. 

This action violates 12 U.S. Code 4901 ( 12 ), which clearly defines " original value '' based on the property 's sales price or appraisal at closing. The company uses XXXX XXXX to change my pay down amount from {$30000.00} to {$85000.00} on a principal {$650000.00} balance, without authorization or permission from me. Their action appears to be a calculated attempt to increase insurance payments from me, flagrantly disregarding both legal standards and borrower protections. 

I request an immediate and thorough investigation into these deceptive valuation practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report TransUnion & XXXX for continuing to have credit card accounts, loan accounts and student federal loans on my report that do not belong to me. I've filed a complaint at my local police department, sent numerous letters to these two companies and this has been documented and ongoing since XX/XX/2017. The companies that remain on my account that I have disputed have never provided proof and I contacted them directly as well. Ive reported them to the FTC, submitted fraud paperwork with them as well and sent in copies of my social security card and my driver 's license.
Product: Debt collection

Online Collections is reporting that I have a debt with their collection agency for {$2600.00} on my credit report. However, I called them and paid off this debt on XX/XX/XXXX. I have disputed this account with the credit bureaus twice since I paid it, however Online Collections continues to tell the credit bureaus that the debt is still unpaid.
Product: Credit card or prepaid card

I used to have 3 credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the 3 cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. I just paid the annual fee of {$89.00} for the arrival plus card in XX/XX/19 and have XXXX awards miles which are worth approximately {$4300.00} if they are redeemed towards travel expenses, hotels, airfare, etc. I have accumulated these points over last 2 years while paying annual fee for the card and was planning to redeem them for travel expenses.I feel that Barclay Card was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points for their full value. I would like to seek your help to get back my rewards of {$4300.00} and annual fee of {$89.00} from Barclay bank, a total of {$4400.00}.
Product: Debt collection

This complaint is regarding the Thomas Agency in XXXX, Maine. I was in a auto accident in XXXX 2017 when I lived in Maine. Three medical bills from this accident went to collections, two of which are with the Thomas Agency. I disputed all three because they should have never gone to collections as my personal injury attorney 's office should have sent out letters of protections directly to the initial creditors to stop these unpaid bills from going into collections due to an intent to sue the people found at fault for this accident. One, the largest bill for almost {$6000.00} was removed from collections. However, Thomas Agency has been very evasive, and at times has refused to respond to both my attorney 's office and myself by phone and in writing. Three weeks ago up to most recently, I offered by email to pay both items ( totaling less than {$2000.00} ) they report to the credit bureaus as in collections in exchange for them immediately removing both collections from all three credit bureaus and any and all other places they have reported such to. I would like to have these collections removed from my credit as soon as possible and have the agency accept the letter of protection from my attorney 's office, but this agency refuses to put anything in writing and has also refused to accept my offer of paying off these two debts in exchange for removing the collections. 

This agency has called to collect the debt after XXXX XXXX during the week and on Saturdays on 4 occasions, that I can remember. 

Lastly, I can provide copies of the two debts this agency has sent to collections. They are with my attorney 's office, but I will get copies. I hope I could receive some help in urging this company to communicate in writing and ultimately to resolve this issue in exchange for removing these items from collections expeditiously. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Trans Union keep on adding this fraudulent card to my credit report. I keep on telling XXXX and bank that Im not responsible. I did not open this account. Not one of them reach out to me to fix the matter. XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPDATE TO CLAIM XXXX -- -- -- UPDATE TO CLAIM XXXX -- -- -UPDATE TO CLAIM XXXX EXPERIAN is an elaborate mechanism as CONGRESS defined it under 15 USC 1681 ( 2 ) ( 3 ) who has ASSUMED its role to acquire and assemble my private personal identifying information against my Federal Right to privacy under the PRIVACY ACT OF 1974. EXPERIAN has committed identity theft under 18 USC 1028A as well as has acquired my social aka credit card to furnish a credit account with a fictitious score without my written consent as CONGRESS REQUIRES under 15 USC 1681b. EXPERIAN has been put on NOTICE of these WILLFUL VIOLATIONS and has been given 30 days to perform accordingly in good faith and remove the demanded accounts from consumer report as CONGRESS demands under 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681c. EXPERIAN was also put on NOTICE for damages accrued by me due to these WILLFUL VIOLATIONS in the form of XXXX XXXX XXXX XXXX  and inability to exercise my right to credit within the banking system for personal and household needs due to the false adverse accounts illegally reported on my consumer report. EXPERIANS performance in bad faith has caused me to be discriminated against because I have been denied a right to credit which is my GRANTED RIGHT and HAVE BEEN DENIED CREDIT. EXPERIAN is now directly in violation under the EQUAL CREDIT OPPORTUNITY ACT as well under TITTLE 18 USC 242 as well under 15 USC 1681q and 15 USC 1644 for acquiring my private information including my credit card defined under 15 USC 1602 to furnish a credit report that goes against CONGRESS requirements to coerce money in the amount via a subscription payment. EXPERIAN is also in contradiction of the IRS definition of Charged Off debt and the manner in which it should be described as INCOME and NOTHING ELSE. EXPERIAN is in fact reporting charged off accounts that are considered as income by the IRS which IS NOT REASONABLE and a direct violation under 15 USC 1681e ( b ) and 15 USC 1681i. EXPERIAN has been put on NOTICE AND IT HAS BEEN 30+ DAYS AND EXPERIAN HAS NOT RESPONDED TO I THE CONSUMER NOR THE CFPB FAILING TO ADDRESS THE MATTER IN A TIMELY MANNER and must remove the accounts regardless.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that inaccurate items persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these inaccurate items from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the items were incorrect. I demand the immediate deletion of the inaccurate items listed below. This complaint addresses several negative items on my credit report. Enclosed is my new FTC report, number XXXX, for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XX/XX/XXXX -- -- -- -- -- TransUnion XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these items are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - BALANACE {$20000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$100000.00} Account Name : XXXX XXXX XXXX - XXXX {$100000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$20000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$63000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$13000.00}
Product: Credit reporting or other personal consumer reports

I discovered significant inaccuracies and potential violations of my consumer rights on my credit report, which fail to adhere to the Fair Credit Reporting Act ( FCRA ) and industry standards such as the Metro 2 data field formatting guidelines. These inaccuracies include errors in personal information, accounts, and collections that have been improperly reported. 

I am particularly concerned about the dissemination of this false information, which jeopardizes the integrity of my credit profile. The reported inaccuracies include : Incorrect Personal Information : Employer : Incorrectly listed as XXXXXXXX XXXX 
Previous Addresses : Incorrectly listed as XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 
Date of Birth : Incorrectly listed as XXXX. 
Current Address : Incorrectly listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
Name : Incorrectly listed as XXXX XXXX. 
Disputed Accounts : XXXX - XXXX. 
Disputed Collections : XXXX XXXX - XXXX. 
XXXX XXXX XXXX - XXXX. 
XXXX XXXX XXXX - XXXX. 
These inaccuracies highlight a failure to ensure compliance with FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies ( CRAs ) investigate and correct inaccurate information. Additionally, the lack of verified and substantiated documentation for the accounts and collections violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurate and truthful information. 

I have requested that each claim be verified and substantiated with complete and truthful documentation. Failure to adhere to the FCRA or the 2020 Consumer Reporting Resource Guide ( CRRG ) compromises data integrity and may lead to financial harm. As such, I expect the immediate removal of any false accounts or collections and the correction of all personal information inaccuracies to prevent future consequences. 

This matter is critical, as my credit report significantly impacts my financial opportunities. I am committed to ensuring that my rights under the FCRA are fully upheld.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There are fraudulent items on my credit report from which I have never benefited continues to appear on my report. Although it has already been removed by both XXXX and XXXX, you persist in reporting this false and fraudulent information on my credit report. This misrepresentation is not only insulting but also damaging to my character, causing me significant stress and concern that my rights as a consumer are being violated. I have reported this issue to the Federal Trade Commission, yet the items still exists.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and DISCOVER BANK XXXX
Product: Checking or savings account

I opened a Kabbage checking account on or around XX/XX/21 because of a promotion they offered which promised a {$300.00} bonus after using their debit card for five purchases. I maintained this account in good standing. 

Sometime around XX/XX/21 I tried to log in to my account online and received a notice that my access had been blocked. When I emailed Kabbage to inquire, they first responded on XX/XX/21 as such : " Hi XXXX, Thank you for reaching out to us. We appreciate your time and effort in letting us know your situation. Please be advised that we closely monitor accounts for unusual activity and due to this, your account has been permanently locked. For the account 's privacy, we do not have further information. 

Please be reminded that you may no longer spend with your debit card, withdraw funds, or receive and make deposits due to the status of your account. 

Thanks, XXXX Kabbage Banking Specialist '' Later, on XX/XX/21, they sent this second message, without any prompting from me : " Hello XXXX, Thank you for reaching out to us. We will need you to give us a call in order to properly resolve your issue. 

Please contact us between XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday at XXXX at your convenience so we can resolve your inquiry. 
Thank you. 

XXXX XXXX | Kabbage Customer Service Support '' This morning, XX/XX/21, I called to check my balance and determine next steps to restore my access and was informed by the friendly agent I reached that my account was still blocked and he did not think it could be unblocked. He further suggested I have XXXX get my money from Kabbage, even though he could not tell me what my balance was.