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

I recently took out a loan to pay off my Bank of America credit card in full due to too many fees for a missed payment and high interest charge. I received an interest charge after paying off the full amount because this was accrued interest from a cash advance I was told. I called BA and asked them to close my account and waive this charge. In previous months I've had a number of charges because a bank debit was rejected and BA tried to charge for a second time. I called them ahead of time to tell them that the charge was going to be returned and asked for a few days grace, to try to avoid the fee. Each time I call BA, I'm told that they can not do anything because its automatic in their system. When I've pressed them on several occasions after being told there is nothing they can do, finally they will try another option. Having paid all my interest and fees and tried my best to keep good credit during a really difficult time with COVID, I've had enough of this system which is unforgiving and not trying to assist me as a customer trying to do my best.

I've now closed my credit card and want them to waive the final {$40.00} interest charge. Even though I was told this interest is valid because it applies to a cash advance, {$0.00} of this applies to interest on purchases, which is not valid.

I feel that even when I've done my best and proactively communicated with BA, have good credit, just paid several thousand dollars to close the card, and have paid lots of fees and interested, BA is harsh and not trying to work with me as a customer. Each time I contact them there is a lot of questions on the automated system and its difficult to get through. Customer service has at times told me there was nothing they could do, but when I pressed them finally it turned out they could in fact help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some accounts reported in my credit report that do not belong to me and I would like to remove it due to identity theft.
Product: Mortgage

Our Mortgage lender Chase, called and sent us a letter stating we were behind on a mortgage payment. When we called to pay by phone to keep it current, they did not call us back to follow up but, instead put a " returned '' status online, then kept sending us letters that is was behind. We attempted to pay XXXX different times over the phone with the same bank account information that was current with our mortgage account online for as long as we have had the loan. They have been telling us on the phone for over a month that the checking account was not found. That they can not collect the money from our checking account because they ca n't find it. How are we responsible for any late fees or now default when the mortgage lender can not find the account to take the money from? We have given them the same information 3 times and even spoken with our bank to be sure the account was correct. Please see about this error on Chase 's part so we can get rid of our late fees and default statement.
Product: Credit card

I tried to open a credit card in Home Depot, but when I used my Social Security number another persons name and address showed up and it was not my information. Someone had used my Social Security number without my consent to open a credit card.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, as I am a victim of identity theft and a recent data breach. Pursuant to 15 U.S. Code 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts resulting from fraudulent activities removed from my credit report.

The following accounts are inaccurate and have not been authorized by me : XXXX. XXXX XXXX Account XXXX : XXXX o Open Date : XX/XX/XXXXXXXX XXXX Balance : {$750.00} XXXX. XXXX XXXX o Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXpen Date : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$890.00} XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$26000.00} XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX Open Date : XX/XX/XXXX o Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXXXXXX XXXX  Balance : {$890.00} Additionally, please remove the following unauthorized inquiries from my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Resident Verify Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Debt collection

This is what I put on the XXXX  complaint I do not have a signed contract nor any contract with National Credit Adjusters LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX and XXXX. I am not responsible for this debt with National Credit Adjusters. Accounts have been re-aged illegally. 


Additionally, XXXX  has removed their collection on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I received notification that I've have an new hard inquiry from XXXX XXXX INTE. I have no idea for what because the creditors provided no information. So I'm taking this step to try an resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Account Name XXXX  XXXX Account # : XXXX Account date open : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
ACCORDING TO FAIR CARES ACT
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX  XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX - XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX - XXXX XX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX - XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX  - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX  - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX  - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX  days late XXXX time ( XXXX ). 
In Dispute XXXX  XXXX - - XXXX XXXX XXXX XXXX  days late XXXX time ( XXXX ). 
In Dispute has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX located in XXXX XXXX, California sent me a bill for {$2700.00} in connection XXXX which has been deemed XXXX necessary for pregnant women over XXXX years of age XXXX XXXX ). I spent a great deal of time discussing with my insurance company to understand why it was n't covered and with my doctor 's office -- XXXX saying the invoice should not be that high. XXXX then sent my debt to Credit Collection Services in XXXX MA to be collected -- for the full amount of {$2700.00}. I called XXXX, and after explaining my insurance does n't cover it and my doctor 's office believes it should be much less, the XXXX rep said, " Oh, well, we do apply a 'client assistance discount, ' so the actual amount should be {$140.00}. '' A friend of mine was pregnant last year, and she had the same experience. Looking at the internet, people are reporting this practice everywhere -- sending an high invoice and then sending to collections quickly thereafter to try to collect the entire amount. XXXX is sending people to collections with inflated invoice numbers. I followed through enough to figure out that I should n't be paying this amount, but other consumers should be protected from this practice.
Product: Debt collection

Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, NY XXXX ) and Collection Bureau Hudson ValleXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact XXXX XXXX XXXX to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX, XXXX, XXXX ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Accounts name # XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Experian ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Experian ) Accounts name # XXXX XXXX ( XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX Accounts name # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX 1681 section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. 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

There was a credit card open under my name on XX/XX/2009 and appear as closed as XXXX XXXX. Also I got an alert my email and my mailing address was found on dark web. My address is listed as company address which is incorrect. Automotive services I do not recognized this service. Please pay attention to this matter and fix it. Thank you!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to delete the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX - 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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have a a unverified account from Bass & Assoc. I had previously disputed this account with XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Bass & Assoc Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Bass & Assoc Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Mortgage

My home loan was sold from one mortgage company to another. the first mortgage company was XXXX. The loan was then sold to Seneca mortgage. Upon taking over my mortgage Seneca forced me to increase my loan payment to cover what they thought was a shortage in my escrow account for taxes. The taxes had been paid at closing of the original loan. I contacted Seneca and attempted to explain this to them, including sending them documentation of checks cashed by and closing statements proving the funds had been paid. Seneca still required monthly over payments from me. After calling them on three different occasions they finally told me an escrow analysis would be done. This they said would correct any problems. On XXXX XXXX they cut me a check for the overages I had been paying. Then on XXXX XXXX they sent me a letter stating they made a mistake and I should return the monies. I 've been hung up on three times trying to correct this issue. I 've been left on hold for over an hour. And had my call dropped they did n't want to address the issue. Seneca has some major customer service issues.
Product: Student loan

I graduated from XXXX University with my XXXX Degree in 2012. I XXXX currently owe Navient about {$70000.00} in private loans. Most of my private loans have an interest rate of 8 %, 9 %, and even 11 % with an unfavorable repayment term. I am interested in consolidating my various private student loans into a more favorable loan with a lower interest rate and a more appropriate repayment term ; but I 'm afraid I have no options. The flexibility enjoyed by many people across this country with a variety of loans, does not apply to me with a private loan. Please advice regarding the current situation with private loans and possible solutions for people like myself.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ). XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

8 weeks ago my mortgage was raised by XXXX and when i contacted lakeview loan servicing my lender they told me my property taxes were raised and they could not explain why. I contacted the county of XXXX XXXX counties office of the assesor and discovered my deed restricted home 's value ( BMR ) was recorded at the full amount. As of XX/XX/2016 the purchase date, my home was recorded at the value of {$680000.00}, instead of the restricted value of {$380000.00}. I provided all the documentation to the county who made the correction and provided me documentation of the mistake. As a result, my lender overpaid my 2017-2018 taxes by over {$3000.00} and had overdrawn my escrow. I contacted lakeview and provided them with all the documentation stating the mistake from the county and a new tax bill showing the correction and I cant get anyone to respond to my emails or my calls to fix this situation from lakeview. Last month I had to pay an extra {$600.00} on my mortgage and this month an extra {$250.00} and every time I speak with a manager who says they will call me back, no one does. They tell me there is no one that can take my call and I have overpaid this lender almost {$4000.00} and no one is willing to explain how to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times in the past this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a representive of XXXX XXXX that my account would be changed to Current never late but it has not been changed on ny credit reports. I need this to be changed I was late do to Hurricans daughter was hurt in Hurrican Harvey had to go to Texas then our house was hit by Hurrican Irma causing damage
Product: Mortgage

My wife and I used USAA for a mortgage loan. Due to military obligations I was unable to be with my wife or access to a phone for days at a time. My wife had power of attorney to close of the house. My wife was told by USAA to bring a {$1800.00} cashiers check to closing the day prior. On closing day my wife arrived with the check but was told she owed {$4000.00}. My wife was unable to pay this without consulting me due to the dramatic difference in price she was told. USAA violated TRID by not disclosing final closing cost to my wife until after the time of closing.
Product: Debt collection

To CFPB I am writing to dispute and Complaint about Negative Unverfied and anauthorize, Collection Company Highly negative impact on my personal credit report Erroneous collection reporting to all 3 credit Repositories, XXXX XXXX  and XXXX intentionally places by the Collection Company XXXX XXXX, on or about XX/XX/XXXX, for unpecefied amount This companies hires 3 party Collections companies that as employed harrasment tactics to try and collect anauthorize unverfied debt, they claim I owe Unspecified amount but yet I was never informed of this alledge unverfied Accounts, XXXX XXXX employed Predetory Collection practices continue phone calls no proof of contract or Signiture or application no Verification of debt was ever sent to my home via USPS the Fair Debt Collection Practice Act 15USC 169q2 ) Sec809 ( b ) that there claim is disputed and validation Letter was sent to XXXX XXXX Certified Mail In XX/XX/XXXX.the Letter stating It was not a request for Verification or proof of mailing address but a request for Validation made pursuant to the above name title and Section please note this unverfied Collection has impacted my good credit standings severly damaged to and lowering my Credit score severely I am XXXX Military Veteran this is a Hardship to my self and my family trying to obtain financing because of the Detrimental Collection placed on my credit file by XXXX XXXX , Relevant to this hurtfull continued Phone harrasment to my self and family members they continue there Phone calls and frequently change there Collection tactics, My family And I feel Violated by Predetory acts, with no regards to privacy a Defamation act tactics very stressful event on my consumer rights to challenge such a flagrant disregard they listed a Derogatory And mark my credit reports as a Collection, With prior notification or veryfying this claim, XX/XX/XXXX to XX/XX/XXXXone year and they never legally provided proof in writing to my residence.I am Requesting that they contact the 3 CRAs Repositories XXXX, XXXX, And XXXX  And emedietely Delete this erroneous entry in my credit report.. thank you for letting me post this complaint.