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

I am writing to formally complain about the recurring issue regarding the display of my account balance on my XXXX ( XXXX XXXX XXXX XXXX XXXX Credit Card. The balance has been consistently displayed incorrectly by a large margin. Currently, the discrepancy is greater than {$12000.00}, which is having a significant detrimental effect on my credit score. 

I have made numerous attempts to rectify this issue. Unfortunately, the problem persists despite my efforts. Not only is this affecting my financial credibility, but it is also causing me considerable stress and inconvenience. 

I am therefore seeking your assistance to investigate this matter and take necessary actions. I also request the following : 1. A detailed explanation of how and why this discrepancy occurred.

Specific information on the steps that were taken in investigating and attempting to resolve the issue.

2. An assurance in writing that this problem will be rectified immediately and will not recur in the future.

3. Compensation for any damage that this may have caused to my credit score and reputation, if applicable. 

I believe that as a consumer, I have the right to receive accurate and consistent information regarding my credit card balance. The constant misrepresentation of my account balance by XXXX is unacceptable and must be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Kohls credit card was removed from my XXXX  report. I have have tried numerous times with both companies to resolve this. XXXX  told me in the last in XXXX and XXXX that they reached out to Kohls and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.
Product: Debt collection

After a detailed review of my recent credit report, I've identified multiple accounts that appear to be inaccurate and were added without my consent.
Product: Mortgage

When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS. At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at 82 %. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at 81 % and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at {$30000.00} more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.
Product: Credit card

All credit reporting agencies show the status of the FNBO account falsely/fraudulently reported as Past Due/Late Payments. The correct status should be Open/Never Late and in good standing for the entire history. The account should show that the account was closed at MY request because FNBO fraudulently charged my account additional amounts AFTER the account was paid in full on XX/XX/year>. 

I paid FNBO the monthly payment as agreed every single month until the balance was paid off in XX/XX/year>. I have the FNBO credit card statement that shows the account was current and the balance was paid to {$0.00} in XX/XX/year>. I also have proof showing the balance that I paid off per my bank statement showing the exact amount paid from my checking account. 

FNBO reported false account information to all three credit reporting agencies. I called FNBO multiple times to correct my account. My credit is ruined because of the false information reported by FNBO. The limits on my other credit cards have been reduced by other institutions despite many years of good payment history. My recently submitted credit card applications for favorable 0 % interest credit cards have all been denied due to this false information reported by FNBO. The limit reductions and declined application letters by banks cite the delinquent account reported by FNBO. I have suffered financially because of FNBO. I have incurred interest charges from high interest-bearing credit cards instead of favorable 0 % interest rate credit cards , which were declined/denied recently due to the false information reported by FNBO.
Product: Debt collection

Bridgecrest was notified XX/XX/XXXX by fax and certified mail of account in Dispute and account Verification request to be sent via mail. As of now I have NOT received complete requested information as required by 15 USC 1692g, section 809 of the FDCPA. As of XX/XX/XXXX Bridgecrest continues to illegally attempt to collect a debt with acknowledgment of debt in Dispute status. Alleged account status is currently showing additional payment and late fees attached. This is a clear violation of the FDCPA including but not limited to FDCPA sections 806, 807, 808, 809 and 813. I do not acknowledge this debt as mine without verification of account and will Dispute any updated payments or any associated fees. Bridgecrest to be sent as of XX/XX/XXXX, updated letter by fax and certified letter notifying of these more recent disputes including additional 10 day request for information and correction period
Product: Credit reporting or other personal consumer reports

D

ear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations. Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

CFPB marked my complaint Against Bank of America, NA as a Duplicate, failing to understand that Bank of America essentially is attempting to collect a Fraudulent Debt by transferring or selling said Fraudulent debt to XXXX XXXX during the CFPB investigation. 

( # 2 ) Bank of America caused the downgrade of my Credit score because of their wanton disregard for the truth for profit because of the fraud reported in my complaint and to BofA and Law Enforcement. 

( # 3 ) Bank of America is demanding and forcing me to work for free, fixing the problem they ( Bank of America ) caused due to their Gross Negligence in their investigation to my complaint despite their reversal and accepting my claim. I fulfilled my obligation immediately reporting the Fraud and should not be coerced to work for " FREE '' as if I were a SLAVE...

( # 4 ) Section 1053 of the Dodd-Frank Act authorizes the Bureau to conduct administrative adjudications to ensure or enforce compliance with ( a ) the provisions of Title X of the Dodd-Frank Act, ( b ) the rules prescribed by the Bureau under Title X of the Dodd-Frank Act, and ( c ) any other Federal law or regulation that the Bureau is authorized to enforce. 12 U.S.C. 5563 ( a ). Ignoring the fact that BofA is requiring me to work for " FREE '' is a violation of my Civil Rights and not redundant.
Product: Checking or savings account

i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 4XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, KY XXXX
Product: Mortgage

In what appears to be an annual attempt to flout ethical and advised practice, Home Point Financial has again chosen to pay in full local, real property taxes from escrow, as opposed to spreading the escrow on a quarterly basis. For three consecutive years, we as the borrowers have requested in writing that the local property taxes be paid from escrow each quarter, as the tax bill is conveniently designed with quarterly amounts. This would allow for time to replenish the escrow account. Instead, the company has ignored their own previous agreements to do this, choosing to pay the tax bill in full, the same month as the homeowner 's insurance is also paid from escrow, and just before they conduct the annual escrow account projection. This ensures for them that an escrow account containing a significant surplus is sufficiently depleted at the time the company calculates the projected payment for the year, guaranteeing an average increase of between 18 and 24 percent per monthly payment. 

In XX/XX/XXXX, an additional payment, in the amount of {$1800.00} was sent to the Lender with a signed notice that it be applied exclusively to escrow to avoid further payment shock. It was not applied to escrow. 

A letter explaining the hardship caused by a fixed rate mortgage with a perennially surging monthly payment was sent in XX/XX/XXXX. As was a similarly exhaustive explanation of the problem conducted in XX/XX/XXXX. Many hours have been spent attempting to contact and resolve this issue, with good faith solutions proposed by the borrowers to avoid this by simply paying the annual tax burden in quarterly increments. Yet, each year we receive shocking notification of an unexpected and unmanageable increase in monthly payment, impossible to budget for, causing untimely payment and threats of default and foreclosure. 

I am always hesitant to believe malicious intent over the far more likely answer of the path of least resistance to explain why each year Home Point acts as though they have never heard of our cries for relief of this unnecessary practice of depleting escrow as much as possible immediately prior to calculating the next year 's escrow projection. Yet, after three consecutive years of losing sleep over the threats of losing our home, I can no longer believe that this practice is anything other than by design. Property values in our neighborhood are rising quickly and the economy suggests short term investments are more profitable than long term investments. Mortgage interest rates are going up. Therefore, to exploit a loophole in the fixed rate mortgage contract and force a middle-class family from a home in a high real estate value neighborhood inevitably yields a quick profit for a company that has not demonstrated scrupulous behavior.
Product: Checking or savings account

Im trying to add my bank account to XXXX so I can pay my rent and it wont let me add it.
Product: Credit reporting or other personal consumer reports

I never lived at the address listed on my credit report. The address listed below needs to be removed from all credit bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2019 went to Chase Manhattan Bank at XXXX XXXX XXXX in XXXX   XXXX XXXX, NY XXXX and used my XXXX debit card to withdraw {$500.00} from the ATM machine at Chase Bank at XXXXXXXX XXXX. 
I received a receipt stating " We are unable to give you cash right now. Call XXXX. Could not get through after a few tries. Went to someone in bank and they said they were having problems with the ATM machine and a notice should have been posted on the machines but was not. At that moment {$500.00} was removed from my XXXX account. 
Told by Chase " not our problem you did not use your Chase card ''. Must file a complaint with XXXX and it can take a few weeks to get resolved. 
Again - attempted to get cash - ATM not working - confirmation that no cash could be dispensed and yet TOOK {$500.00} out of my account at the same time. Who pays me or XXXX for the amount of time it is taking to resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.
Product: Debt collection

I settled a debt of XXXX with XXXX for XXXX in XXXX. I have attached a copy of that payment from my bank statement. They removed the balance on the XXXX account but have now placed the remaining XXXX with a company called EOS. This is a violation of federal law and likely usury laws.
Product: Credit reporting

Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX : XXXX/XXXX/16
Product: Debt collection

A fraudulent collections report is on my credit report from Diversified Consultants for XXXX. I called XXXX and they confirmed I have never had an account with them.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card or prepaid card

I am writing to report that my identity has been stolen and used to open credit cards under my name. I recently returned to the country after an extended period of time abroad and discovered that these accounts had been opened without my knowledge or consent. 

I have taken the necessary steps to address this issue, including filing a police report and working to clean up my credit. However, this identity theft has caused significant financial and emotional stress for me. It is alarming to know that my personal information has been compromised and used fraudulently without my knowledge or consent. 

I urge the FTC to take this matter seriously and work to prevent identity theft from happening to others. I also request any assistance that the FTC can provide in helping me to resolve this issue and restore my credit to its previous state. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 accounts that are reporting errors and inaccuracies on my credit report and need to be fixed they are violating the FCRA and they are damaging my life please delete and also update my personal info
Product: Credit reporting or other personal consumer reports

a credit card was open fraudulently with my name and information I called bank and try to let them know but the insist that I make a payment for a card and account that I have no knowledge of the amount was {$300.00} the day open XX/XX/2024 date reported was XX/XX/2024 the balance right now {$310.00}