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

I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BRIDGECREST FORMELY XXXX XXXX The last past payment reported on my consumer report with this account is incorrect. 

Ive notified XXXX of this via : certified mail. 

( Attached ) Circling the inaccuracies. They have ignored my dispute changing nothing. 

( Note : this is my 5th dispute ) I have attached my credit report, it shows a last payment of XX/XX/XXXX. That is incorrect. 

In fact, the accounts historical trended data shows a last payment made XX/XX/XXXX ( attached ) How could there be two LAST payments? 

This is reflecting an incorrect month and year the account would remove from my report. 

As the FCRA states I ask that this account is complete, timely and accurate if it is reporting to my consumer report. If not, remove it in completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

CREDITOR BUSINESS TYPE INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Union Bank has a broken interest rate calculation system that is charging consumers interest on purchases they did not make. Union Bank also has a promotional balance payment allocation system that is by design making it very difficult for consumers to pay off promotional balances before they expire when they have more than one promotional balance of the same interest rate. 

I have spent hours researching this issue on my credit card statements and have reported these two distinct issues to the company on three separate occasions and as of yet none of the {$33.00} in interest that has been incorrectly charged to my account since XX/XX/XXXX has been refunded. 

Issue 1 : Union Bank is charging " Interest on Purchases '' and " MINIMUM INTEREST CHARGE '' when there were no purchases made and the account has a {$0.00} purchase balance. Since XX/XX/XXXX I have been charged {$1.00} on " Interest on Purchases '' when I had a XXXX  purchase balance. I have also been charged a total of {$5.00} in " MINIMUM INTEREST CHARGE '' for which the company has had no explanation. Union Bank only agreed to stopping charging me this erroneous " MINIMUM INTEREST CHARGE '' monthly interest charge after I complained in XX/XX/XXXX, but as of yet none of the interest charged has been refunded. 

Issue 2 : On XX/XX/XXXX I had a promotional 0 % APR balance of {$3000.00} that was set to expire in XXXX of XXXX. On XX/XX/XXXX after making a total of {$0.00} in purchases and {$2600.00} in payments I had expected to have the promotional balance almost paid off, but my XX/XX/XXXX statement still showed a balance of {$1800.00} remaining. I called Union Bank twice on XX/XX/XXXX to ask why after making {$2600.00} in payments and no purchases was only {$1100.00} in payments were made towards my promotional balance expiring this year. On the first call I was told the {$1400.00} in payments I made had been put towards a 0 % promotional balance expiring in XX/XX/XXXX and not towards the 0 % promotional balance expiring in XX/XX/XXXX. When I asked why they would put the majority of my payment towards the promotional balance with the later expiration date I was told this is just how their system calculates it. When I informed them that this gave consumers very little ability to pay off promotional balances before they expired and asked to talk to a manager I was transferred and put on hold indefinitely and was forced to hang-up. 
When I called back a second time on XX/XX/XXXX and re-explained the situation to a new phone banker he again told me that is just how their system calculates interest. He agreed to open a " ticket '' to have the issue looked into but did not refund any of the {$27.00} in interest charged on the expired 0 % promotional balance which the system would not let me payoff before it expired.
Product: Prepaid card

On XX/XX/XXXX I was to purchase something from someone and they never sent the product im a XXXX XXXX XXXX XXXX XXXX that lost everything and this guy stole {$650.00} from me and cash app refused to help me get it back
Product: Credit card

1. When I logged into my online CITIbank credit card account in XX/XX/XXXX, I noticed that my credit card was suddenly closed without notice. I called CITI Bank to inquire about the closure, and was informed, that because I reside in XXXX now, they closed it. Up until this point, I have used the card regularly and was never late with payments. There was no reason to close it. 
2. The card has not been used since XX/XX/XXXX ( due to closure ), and the minmum payment has still been made punctually through automatic payment each month. Chronologically the balance has decreased, and thus, the monthly minimum payment has decreased in accordance. 
3. This month ( XX/XX/XXXX ), despite the continued decrease in balance, the minimum payment has increased. When I called the customer service, the representative could not assist me as to why this is, and just read the charges to me like a robot. She said she will file a complaint, without providing written/email evidence to me about this complaint, even when I asked her for confirmation about this internal complaint. 
4. I can not access any credit card statements of this closed account anymore, although I am still paying on it. I have a personal loan with Citibank, which I can access. The existence of the closed account is visible on my online account, but I can not view the statements that would explain these unusual charges...? 
5. Since I can not get solution-oriented assistance from CITI Bank , regarding the above mentioned issues, I hope for help from the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

have made an XXXX report based on multiple fraudulent accounts appearing on my Equifax credit report. I was also involved in their data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching my original Equifax letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match XXXX XXXX, which they failed to do. I want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they still fail to fix each account so that they are matching the other XXXX bureaus XXXX XXXX or delete each of these accounts immediately, then I will have no other choice but to take legal action to correct these violations of my rights. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.
Product: Credit card

I have no acknowledgment of a inquiry I received recently Im currently in the process of fixing my credit an now I have a hard inquiry for something I never applied for with all three bureaus I have filed a dispute an they did absolutely nothing I need this inquiry removed ASAP PLEASE AN THANK YOU
Product: Debt collection

XX/XX/2014 my debt of over $XXXX for medical expenses was reported on my credit. I am a veteran since XXXX years old and I’ve  never had any medical bills because the VA gets billed, not me. So please help me get this off my credit and make the VA pay as they should. Or I could just wait for another 3 years for it to expire. My history clearly dictates that I’ve never paid for medical my whole adult life and this hospital trip, stay, treatment is no different. This is the second time filing a complaint with Medical Data Systems, originally held by XXXX XXXX XXXX.  Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau, Experian has failed to comply with my 2 previous attempt to dispute and properly investigate the inaccuracies on my credit report. I send a letter on XX/XX/2020 requesting my accounts to be removed and on XX/XX/2020 I received a letter requesting information to verify my identity. This is an unethical stall tactic they are fully aware of. I have sent them my ID and a utility bill for proof of current address with the dispute letter twice. I resent a letter to Experian on XX/XX/2020 and they responded with the same automated response letter requesting more documents to verify my identity. I have attached my supportive documents to reinforce my claim.
Product: Mortgage

The location of Bank of America at XXXX XXXX XXXX XXXX XXXX Fl has employees that are giving out my financial information including account numbers and an actual printout of my mortgage status to a person pretending to be co-owner of my house and who is actually the tenant. He was able to secure my account number and financial status on my mortgage loan from employees at this bank who he claims are his friends. He also claims to have bank friends at the XXXX XXXX in XXXX XXXX FL and has secured additional information on my loan from them. Both of these branches need to be investigated immediately and held accountable for disclosing my personal financial information to a stranger that walks into the bank claiming he is friends with the bank employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX.
Product: Bank account or service

As the XXXX XXXX XXXX, I reached out to eTrade to set up a business bank account, along with an initial deposit and IRS EIN. I received a letter saying that the account was approved and open, along with instructions for accessing the account. When I tried to do so on XX/XX/XXXX, however, I received errors from their Web site. Upon calling in, I was told that eTrade has chosen not to do business with my team ( my existing personal accounts were not affected ), no explanation would be given, and that I would have my money refunded within 7-10 days. Today, on XX/XX/XXXX, I received a call saying that I would have to submit a letter from my XXXX and proof of identity in order to get my initial deposit back, despite that deposit being transferred from my personal eTrade account. 

It is bad enough to opt to close my account days after it was initially opened. It is worse to opt not to provide any explanation. But it is ( or should be ) downright criminal to then hold my funds for well over a month while waiting to supply me with instructions on how to receive my money. 

I am in the process of supplying eTrade with the requested documentation, but I 've been given no ETA on the refund of my initial deposit. I will be looking at alternatives for my personal and business banking and trading needs and suggest others do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account and it keeps reporting to my credit report an the 3 credit companies will not help me remove this incorrect item
Product: Mortgage

Toward the end of last year my escrow changed as typical, and I thought that it changed a month later than did. The mortgage company held my money without applying it to my payment until they received the entire amount. Then they ended up applying it toward principal without my knowledge despite my calls to them to explain the situation. Now they are telling me I am a month late on my mortgage when i have in fact paid them every cent that i was requires. They are telling me that the regulations require them to apply the payment to principal after 60 days. So, that suggests I was over 60 days late getting the balance of the funds to them. That is not possible since I have Made my payments. I have on numerous occasions requested they apply the amount the applied to principal toward the payment as it should have been.
Product: Mortgage

A FRADULUENT NON-STATUTORY LIEN WAS FILED WITHIN THE XXXX XXXX XXXX DATED 2017 FOR NON PAYMENT OF HOA DUES. THE DUES WERE PAID. WE BASICALLY, PAID THE DUES A SECOND TIME. THERE ARE NO HOA DUES OUTSTANDING FOR THE PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX GA XXXX WE SUBMITTED AN EMAIL REQUESTING A RELEASE IF LIEN AND HE WILL NOT RESPOND. THIS IS CAUSING MORE HARM AS IT RELATES TO OUR MORTGAGE FRAUD ISSUES. ALSO, HE COLLECTED THESE DUES WHILE MY WIFE WAS STILL IN BANKRUPTCY. SHE WAS DISCHARGED ON XXXX THE FIRST SET OF DUES WERE PAID TO XXXX XXXX  XXXX XXXX WHO STOLE THE MONEY AND DID NOT TRANSFER THE MONEY TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to XXXX credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be XXXX percent accurate across all bureau XXXX XXXX  ( XXXX Transunion ) XXXX XXXX  XXXX ( Transunion XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) these are some of the item like these that need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This account recently appeared on my credit report. There is a collections amount of {$190.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.
Product: Debt collection

First, the amount collected is not correct because the amount I stated in the order was not followed, there was overcharging of the amount. Secondly, the items I ordered didn't arrive but was replaced with another one not specified in my order. I called them and made a complaint about the order and even asked them where to return the items, they told me either to give it away or throw in the trash. They told me to specify what I ordered and submitted the list to their office. I waited for the response but it never came. What I did was to give the items to my friends because i didn't need them
Product: Vehicle loan or lease

The car was sold at auction without informing me of the location so I could buy it out of auction. Now it is showing on my credit report hindering me to get another car.
Product: Checking or savings account

An Unauthorized ACH transfer of {$40000.00} was taken from my business account at Bank of America on Wednesday XX/XX/year>. The details of the fraudulent transfer will be attached in documents below. There was a fraudulent payment taken for an investment firm that neither I ( nor my business ) have an account with. 

Bank of America has showed little effort to investigate, communicate, or inform me about by rights and the restitution process. Over a week has passed and all I have is a case number, and I had to fight just to obtain that. They have failed to email me as promised, have not returned phone calls, given me conflicting information and no apologies.
Product: Prepaid card

Bought the gift card to use online, but everywhere I use the card online declined it. I tried to check the balance and it said the card was activate, so I tried to contact support but the bot itself kept hanging up the call.
Product: Mortgage

My loan is serviced by XXXX but the owner of the note is US Bank, N.A. as trustee for XXXX XXXX XXXX XXXX. All along, XXXX states to me to send in a modification package then 5 days later they say sorry the owner of the loan does not participate in loan modifications at all. Im so sorry I know I am XXXX and do not speak english good but there is laws in California regarding they need to review my financial situation and give me options to foreclosure, they say to me pay off the loan, that is your option. XXXX is stationed in XXXX and owner of the loan does not participate in modification, so theses people are allowed to not comply with California laws. This is unfair that the owner of the note hire XXXX ( a complany in XXXX ) to tll us Californians sorry you and your family are going to be homeless. I want to pay my mortgage I have ability to pay, please help me to stop the owner of the note from hiding behind XXXX and not complying with Ca laws.
Product: Mortgage

This SPECIALIZED LOAN SERVI XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SPECIALIZED LOAN SERVI XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX ( XXXX XXXX  ), has violated my rights. 

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 an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent experian two disputes that they have not responded to they are reporting inaccurate information on my consumer report. I will attach the 2 certified letters that I have sent to experian and I will include my paystub with my address on it. There are unauthorized credit inquires on my consumer report a credit collection and an inaccurate late latepayment from a XXXX account ive always had 100 % on time payments I requested experian to send me a full discription of there method of verification to determine the accuracy of the information hosted on my consumer report and I have not recieved anything bearing my signature or any original documentation or any correspondencce to my dispute in general. I ask that experian corrects the errors on my consumer report immediately by deleting the inquires on my report that are hosted without permissible purpose change the late payment error and also delete the credit collection account that is on my consumer report.
Product: Checking or savings account

On XX/XX/XXXX I paid for service to help find an apartment with XXXX separate transaction to XXXX XXXX Transfer to XXXX XXXX, XXXX for {$300.00} and another for {$150.00}. The person failed through to find me an apartment and block my phone number. I requested and refund, but she decline the request. On XX/XX/XXXX, I disputed these charge with my bank and explain to the that the person never provided the service and block me from contact them. The bank provided me with a temporary credit on XX/XX/XXXX and on XX/XX/XXXX the bank decided to reverse the credit they provided. 

The service I requested from this person, was not provided, basically fraud me out of my money. The person never fought me an apartment and I provided her with upfront fees for the service. She took my money and ghosted me. 

A rep from bank ask me to submit a document stating what happen, with my signature and she will notified the dispute team. After submitting the documents the on XX/XX/XXXX, the bank took almost a month before it reach the dispute team.