23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a business account with Truist Bank and they host my credit cards. This account was merged from Suntrust Bank. Since Truist converted my credit card, I have noticed payments across the accounts are not being applied correctly. 
Basically I have a Parent account and each credit card is a Child account of that Parent account. The parent account has a credit limit of lets say {$5000.00}. Let 's say there are 5 child-credit cards and Each Child account has a limit of {$1000.00}. They told me my account is setup on centralized billing. Im not sure what that is, but I assume that means all of the accounts roll up under the parent account. 
I am having trouble because they are not applying payments across all of my child accounts before the next Statement date even though I have made a full payment and more to the account. 
They told me I can not use that card anymore until the next billing cycle because I set a {$1000.00} limit per card. But also they said if I maxed out 1 card I could change the limit for another card and max it out. Effectively that would mean I have {$25000.00} limit based on what she said. 
They said other people have been complaining about this but there is nothing they can do. It seems like to me if I pay a bill off before my statement date, you should have to adjust the balance before the statement date. I make payments weekly so this is a problem but I only owe or have a credit of say {$240.00}. But that is another issue, I recently made payment of an extra {$5000.00} because I wasnt sure how payments were being applied across my accounts. Their statement of my current balance does not show if the amount is a credit or balance owed. Also, the master account balance might reflect the balance for all of the children accounts but the actual balances on the children accounts are not being updated. 
Again for example, I made a payment this week for what the balance shows on my master account, but the balance was not updated across all of the accounts. Now my available credit limits are not correct and I cant let my employees pay for purchases because the card is maxed out even though I made a recent payment.
Product: Credit card or prepaid card

RoboCall from XXXX " XXXX '' at Discover offering low Interest Rate Transfer I am on the " Do Not Call '' List and have repeatedly asked for my number to be removed from their calling list.
Product: Credit reporting or other personal consumer reports

Experian, General Counsel Attn : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/year> Re : Intent to Sue for Non-Compliance Violations of FCRA LEGAL BASIS FOR CLAIM : In, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX affirmed that recurring charge-offs are prohibited, as they mislead consumers and violate the FCRAs requirement for accuracy in credit reporting. 
Failure to comply with these obligations opens you to potential legal and regulatory consequences. In XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, the court highlighted that the repeated reporting of a charge-off constitutes misleading information that distorts the credit report, thus violating 15 U.S.C. 1681e ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX affirmed that repeated charge-off reporting misleads consumers and distorts the credit profile.
Product: Mortgage

My case related and involved a big financial fraud criminals as follows. A group of financial criminals including the bank internal moles, house value appraisals, ID thefts, Public Notary officers, loan officers, title company etc.This is a complete fraudulent loan chain. The Bank of the West assigned their own case investigator of XXXX XXXX XXXX toke care of this case, and he had spent more than two years for investigion. The last email I received from him said the case had been passed to the US Secret Services and would be solved soon, but he was facing hight pressure from the bank management and then suddenly disappeared.

I tried to report the case to as many as possible autherities as FBI, local policy department, State General Attorney, CFPB etc. But every time the Bank of the West use the same reasons of two to stop the investigation and closed the case : 1 ) Duplicated case 2 ) An agreement was signed Two weeks ago I got a copy of the so called agreement. I found this agreement was totally forged. I will express why as follows : 1 ) I owed the original loan to the XXXX XXXX XXXX, amounting of XXXX. But the agreement asked me to pay the Bank of the West and their partner XXXX XXXX XXXX. 
How can they made a victim of crime to pay double to the criminals? 

2 ) During the agreement signing time, I was out of country, so I had no chance to sign any agreement. I can provide my evidence of my out of country.

3 ) When signing any agreement, I will add the date of signature on it, but this agreement the date is empty.

4 ) I did not know and had not met those persons who signed the agreement. 

Brief summary as follow : This case revolved in a big financial criminals. The original case investigator of XXXX XXXX who had spend two years for the investigation, he should be show up and tell us what is happening? 

I want to have a meeting face to face to speak with the Bank, XXXX V and other loan providers such as XXXX, XXXX, XXXX etc. 

XXXX XXXX owner of the house at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX MY cell is XXXX XXXX XXXX My e-mail is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the unsuccessful outcome of my second attempt to immediately remove inaccurate items from my credit file. Despite providing comprehensive documentation and diligently following the prescribed dispute procedures, the inaccuracies persist on my credit report, causing significant distress and hindrance to my financial well-being. 

I am deeply concerned that, despite my sincere efforts and adherence to the required procedures, the inaccurate items persist on my credit report. This situation has immediate and adverse consequences for my financial standing, making it imperative to rectify this matter urgently. 

I kindly request the following actions : An immediate and thorough reevaluation of the documentation provided in support of the dispute. 
Expedited removal of the inaccuracies from my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter promptly. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX  or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Mortgage

I purchased my home from total mortgage in XX/XX/XXXX. My loan was sold to Roundpoint mortgage at the start of my mortgage payments on XX/XX/XXXX. We never received any mail documentation about our mortgage until after XX/XX/XXXX. We had to reach out to total mortgage for them to tell us our mortgage had been sold and transferred to Roundpoint. Round point did not clearly review our loan and paid our taxes in XXXX when we had already set aside money in our prepaids that are closing attorney would send to the city to pay our property taxes. Now we have received an escrow analysis and an increase on our mortgage payment by close to {$300.00} per month. This is round points error and we are being held responsible to pay a monthly payment that we did not agree to nor that we should be paying. Roundpoint is working with the city or so they say XXXX can not adjust the payment to what it should be until they get their money back. This is an error on the mortgage companies behalf and the customer should not be held responsible. If I do not pay the increased amount I will receive late charges which will reflect on my account for being late on a mortgage payment. They are stealing from and scanning customers. So now I will pay the XXXX dollars towards my mortgage payment this month and wave goodbye to those funds because Ive been told they will not be refunded because that is the agreed-upon amount even though it was not agreed-upon. This company has dozens of horrible reviews by other customers leading to the same types of issues and they should be fully investigated and held responsible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my representative, XXXX XXXX XXXX, acting on the basis of power of attorney No. XXXX dated XX/XX/2022, submitted an application for a money transfer on my behalf to XXXX XXXX. The transfer amount was XXXX XXXX dollars. The recipient bank is XXXX XXXX XXXX ( XXXX XXXX ). The recipient is XXXX XXXX XXXX. In other words, the transfer of funds was carried out from the account of XXXX XXXX, opened in XXXX XXXX, to the account of XXXX XXXX, opened in XXXX XXXX XXXX. To date, the funds have not been credited to XXXX. XXXX 's account at XXXX XXXX XXXX. XXXX XXXX engaged CITI BANK N.A. as a correspondent bank to fulfill the order. As mentioned earlier, the order dated XXXX has not been executed to date the funds have not been received by the recipient 's bank XXXX XXXX XXXX. The funds are in the correspondent bank of CITI BANK N.A.. XXXX XXXX. transferred his personal accumulated funds from his account opened with XXXX XXXX to his personal account opened with XXXX XXXX. I believe that CITI BANK N.A. unreasonably withholds my personal funds. Based on the above, we ask : To take measures to identify violations in the actions of CITI BANK N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and inaccurate reporting from my credit report
Product: Debt collection

MCM Midland Credit Management Inc. has purchased an old debt that is ten years old and trying to say they are collecting the debt. The FTC has already removed this debt from my credit history and I do not know how they got this information. I called them and told them this has been removed because of the ten year guideline and to not call me any more. They stated that this tactic will not work. I told them you will be hearing from the FTC. Please see this company understands that this debt has been removed and my credit report also states from beneficial paid as agreed. Thanks,,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I called the fraud department of XXXX, XXXX and Experian to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.
Product: Debt collection

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Product: Mortgage

Dear Sir or Madam, I am writing to file a complaint against Third Federal Savings & Loan Bank in XXXX, OH. For years, Third Federal wrongly reported an item on my credit report after a version of a short sale in XX/XX/XXXX, which caused me financial harm due to incorrect reporting on my credit report for years. In XXXX XXXX, the bank reduced the interest on the repayment agreement with no initial explanation and that caused me to look back at this whole situation. 
Several realtors have said that my case was one of the first short sales in XXXX in XXXX and once more regulations were passed my situation would never have been handled as a short sale. 
How was my case handled? XX/XX/XXXX, Third Federal converted the {$20000.00} deficit after the short sale to a promissory note at 5 percent interest, which I have been paying on for seven years. Yet, Third Federal reported this as a charge-off on my credit report, when not one penny was charged off. To date, I have paid {$11000.00}. As of XXXX XXXX, the balance due was {$9200.00}. I have continued making the monthly payments. 
The credit report inaccuracies have cost me more than {$10000.00} in interest and higher insurance premiums, as well as immeasurable stress as I struggled to get a new job and buy a new home in the face of the negative information on my credit report. In light of what Third Federal has cost me financially, I asked Third Federal in XXXX XXXX to erase the remainder of the {$9000.00} balance. Third Federal declined. The bank said it had already reduced the interest rate earlier this year, even though this move preceded my request to reduce the balance and had nothing to do with the bank 's admitted errors and the financial harm the bank has caused me. Interestingly, no one at Third Federal will give me an in-depth explanation into why it reduced my interest rate without a request from me. 
I gladly accepted this interest rate reduction, which the bank says it initiated because I 'm a good customer. But this still does not address the financial harm done to me as a result of the bank 's mistakes. 
That 's why I 'm writing to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$28000.00}, XXXX  XXXX XXXX Balance : {$3500.00}
Product: Student loan

HI, All Federal Student loans were discharged due to permanent and total XXXX. All of this was completed thru XXXX and the loans were discharged thru documentation provided by the VA. XXXX is the loan servicer and they sent me information showing the loans as in fact discharged. The problem is 5 FFELP loans guaranteed thru Ascendium are showing still active.

I have tried contacting your company on numerous occasions and have had zero luck in receiving anyone on the phones. I have also sent emails and have not received a response back. Maybe the contact information received is wrong ; who knows. I am attaching documentation from XXXX showing loans discharged. Again, 5 loans guaranteed by Ascendium are still showing active.

When logging into www.studentaid.gov it reflects I have zero Federal Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overwhelmed by XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXXXXXX XXXXXXXX  Account Number : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a vehicle and my credit was ran multiple times creating a series of Hard inquiries.
Product: Mortgage

I noticed when I had logged into my mortgage account that the monthly mortgage amount was much higher ( {$1500.00} ) than what I had paid in the past ( {$1100.00} ).. 
When I called Customer Service, I was transferred 4 or 5 times just to get clarification on whether the mortgage amount includes property tax and insurance. I was told that it was just the insurance amount from XX/XX/XXXX. 
What is bizarre is that I had property insurance from XX/XX/XXXX till XX/XX/XXXX and then Wells Fargo decided to pay the property insurance even though I have never had an escrow account and renewed it on their own.. 
The monthly payment jumped from {$1100.00} to {$1500.00} even though the property policy I had in XXXX was $ XXXX. The math does not add up and I feel that Wells Fargo is gouging the insurance premium amount and has added it onto my mortgage amount when in reality, I have always paid for property insurance and taxes separately.. 
I think there are lot of discrepancies and fraud to get me to pay a higher amount for my mortgage over the insurance premium.. 
I have escalated this issue about the mortgage escrow account and still, nothing has been done to resolve this issue..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name -XXXX XXXXXXXX Account Number - XXXX Account Name - XXXXXXXX XXXX Account Number XXXX XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX Account Number XXXX Account Name - XXXX XXXX  Account Number XXXX, has violated my rights. 

TransUnion Account Name - XXXX XXXX  Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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: Debt collection

On XX/XX/2019 a XXXX XXXX from a debt collection firm/attorney 's office named Caine Weiner emailed and called my employer by emailing and calling XXXX XXXX who is administrative Assistant to the CEO at the Company where I have worked for 7 years. ( See Attached email documents ) XXXX XXXX then emailed the email that was sent to her by XXXX XXXX to me. I immediately sent a cease and desist email to XXXX XXXX at her email XXXX. ( See attached email documents ) Then on XXXX XXXX XXXX XXXX ignored my cease and desist email to her sent on XX/XX/2019 and emailed and called XXXX XXXX again. XXXX XXXX then emailed XXXX XXXX 's email regarding some debt ( I am not even aware that I owe it as they will not reveal what it is for ) to all upper management and legal at my Company. I am in fear of losing my job over this person 's actions. ( See attached email documents )