23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate public record entry from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> Type of Bankruptcy : XXXX  XXXX This bankruptcy entry is either incorrectly reported or has been maintained beyond the legal time frame allowed by the FCRA. The continued listing of this bankruptcy has caused significant financial and emotional hardship, severely affecting my ability to support myself and my family.
Product: Debt collection

About a month ago, a collection company started calling me every day abt an apartment I leased They said I owed {$2100.00} They never sent any written documents or emails, just calls They put the debt on my credit report and when I tried resolving it they wont let me do a payment plan They want to put everything on my credit card at once. 
The agent was forcefully threatening to not allow me resolve it again if I end the call to speak with my lawyer He was asking me to ask my credit card company for increased limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on TransUnion 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. TransUnion is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : 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: Checking or savings account

I found that my information was for sale on the dark web, I had a police report because there was fraudulent activity on my account. I contacted Wells Fargo and the agent placed the hard hold on the account. I spoke with the customer service representative from the Executive Office, they inform me that the hard hold was present on the account and that it would stop all incoming and outgoing transactions. 

Those representatives lied because Wells Fargo just approved multiple transactions that were fraudulent and not authorized by me My checking account is now completely negative because of the fraudulent activity. I am upset because I contacted Wells Fargo letting them know that our checking account number was compromised however they refused to close out my account. 

I told them that My information was compromised and I wanted to close my account however they did not close out my account. 

Wells Fargo left it open and now there is fraudulent activity being posted on my account
Product: Checking or savings account

I had l lost my card at a small concert while filming a gig. On XX/XX/XXXX I had gotten a notification saying my " Bofa debit card has been removed from my XXXX XXXX. '' I had also found out that my account was locked so I had called Bank of America to find out what's going on ( I don't remember the exact day I called them ). It took me a long time to find the right representative to talk to but I was able to speak to a representative named " XXXX '' and XXXX was going to file the claim to XXXX XXXX so I can contact them so I can dispute it. 

XX/XX/XXXX ( or XXXX ) I had called XXXX XXXX to see if the filing went through, XXXX XXXX mentioned to me that they didn't receive anything. I called Bank of America again because I didn't receive any email about the case and was wondering the progress of the situation. Took me a long time to get to the right representative to help me with this situation, I was able to get in a call with " XXXX from Texas '' and she helped filed the claim and gave me more information about what was going on. XXXX had mentioned that the account owner from the check had called their bank mentioning that they didn't authorize that check. Her bank had called Bank of America to report that incident which led them to start the closing process of my account. The Closure didn't happen until XX/XX/XXXX. The check amount was for XXXX. XXXX informed me that the check was dropped in an ATM. I informed back to XXXX saying I don't deposit checks through an ATM, I only deposit checks through the " Mobile Check Deposit " system that the Bank of America App has. It's safer to do it that way and also you can verify it easily based off the signature. 

XXXX explained me the process of the investigation and informed me with a lot other information. I was able to call XXXX XXXX a few days later and gave my dispute. I believe I didn't give them enough information on my part, the only thing I mentioned was " I don't deposit checks in the ATM '' only the Mobile app. '' I had called XXXX XXXX on XX/XX/XXXX to see if there was an update on the investigation and to give them an update about something that's unusual. I was able to get someone on the line and they informed me that the investigation has been completed and the Fraudulent activity will stay under my name and that my dispute was inaccurate. If I wanted to continue with a re-investigation, I would have to file a police report or I would have to do a Identity Thief Claim. I wanted to let them know that I've gotten an email from Bank of America about my credit card ( still has an balance due ) letting me know about my past due amount and that I spoke to them on XX/XX/XXXX. I know I didn't speak to Bank of America at all that day, which is why I called them to give out that information that didn't seem right. I'm not sure what to do, I'm hoping I'm doing the right thing and doing my best. I want to get this resolve because at a young age, this is something that you don't want on your record.
Product: Mortgage

Sometime after XX/XX/XXXX during XX/XX/XXXX, we received the Escrow Analysis Statement from XXXX XXXX XXXX ( FMC ). The statement indicated we had an shortage of {$1900.00} in our escrow account. I contacted FMC several times in XX/XX/XXXX ~ XX/XX/XXXX. I wanted to have a clear understanding of how they derived we were {$1900.00} short. I explained to several customer representatives over and over again we wanted Option 1 on page 1 which would require a lump sum payment of the shortage ( once verified ) to avoid an increased mortgage payment for XXXX. For one thing the amount seemed to be inordinate shortage. Then when I began to inquire how they came up with the amount they attempted to explain the entire analysis report. That's when I pointed out on Part 2 Your Escrow Account History showed escrow history beginning in XX/XX/XXXX with a balance of {$1900.00}. I explained we have been paying FMC at least since XX/XX/XXXX. Then when I downloaded the FMC monthly statements I found XX/XX/XXXX ~ XX/XX/XXXX statements showed Amount Due : {$0.00}. Then the XX/XX/XXXX statement shows Amount Due : {$1400.00}. The remaining statements showed this same amount until the XX/XX/XXXX statement which showed Amount Due : {$3000.00}. At that I requested an audit of my account and an updated Escrow Analysis Statement for XXXX. I received a letter from FMC dated XX/XX/XXXX. Attached to the letter was a detail history criteria from XX/XX/XXXX ~ XX/XX/XXXX. No explanation was given and there was no adjusted/corrected Escrow Analysis Statement for XXXX. Before XX/XX/XXXX our mortgage was administered through XXXX  XXXX XXXX  ( see complaint # XXXX ). They also had problems processing our payments timely and accurately. They decided to put our bi-monthly payments in a holding account each month and then process our payments when they felt it was appropriate. I've explained several times to both mortgage company 's there is no early payoff penalty for VA guaranteed loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. 

XXXX conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and XXXX determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. 

I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of XXXX XXXX, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. 

This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX XXXX  autopay to reflect the {$2900.00} as the new payment going into XX/XX/2023. 

They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. 

My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. 

in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX credit score was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. 

Further confusing the situation. My amended XX/XX/2023 payment shows me owing XXXX {$180.00}, which isn't accurate. I will {$2900.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit agencies that I need information about several accounts that I know are not mines ( XXXX ) and incorrect address/phone numbers. They are not updated. Ive paid accounts off and it still shows unpaid.
Product: Debt collection

My name is XXXX XXXX, I am the only party with first-hand knowledge of this transaction. furthermore, TRS are debt collectors and have failed to provide me with sufficient information to verify this alleged debt. under 15 us code 1692g ( a ) subsection 3,4 and 5 TRS has failed to provide me with the information under 1692g.

This notice to inform TRS recovery services that this alleged debt is disputed and i am further requesting verification or copy of a judgment of this alleged debt from the original creditor. 

failure to provide this information shall result in termination of ALL collection efforts and a complete removal of my personal information from your agencies systems. 

RE Number : XXXX Transaction Number : XXXX
Product: Credit reporting 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 account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$250000.00}
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the Equifax data breach...
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off the full balance of my XXXX XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX  but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Product: Money transfer, virtual currency, or money service

I am unable to remove a stored XXXX credit card that I had on file with Google Payments Corp. for 2 cancelled subscriptions. Additionally, I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX 2017. I have tried for 3 days to call and email Google Payments with no results. Google Payments Corp. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX XXXX XXXX, XXXX XXXX and Google Payments told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX  until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion.This is unacceptable. Thank you.
Product: Debt collection

I disputed this information from my credit report which is being reported to XXXX back in XXXX XXXX. I asked for verification of this bill and never received anything. I then contacted the company in which they say I owe the bill to. XXXX dba XXXX and spoke to several representatives at which time I advised that the bill had been paid and the service was to be turned of in XXXX of XXXX at the latest, but for some reason I was still being charged all the way up until XXXX XXXX. I have payments that were posted to this account from my bank account and I also have proof that I was no longer at this address as of XXXX XXXX. I feel as though the company is just trying to get something out of me that should not be. I even offered to pay them {$150.00} to settle this account and get removed from my credit report, but they refuse. I refuse to pay for service that I did not have, but was willing to try and meet them halfway. Below are the payments made to XXXX and when I cancelled service and started with XXXX from my bank account with XXXX : Payments to XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Other Withdrawals and Service Fees continued on next page XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISCELLANEOUS XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX PURCHASE XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX This has been an emotional stress on me due to them trying to continue to collect more than what is due. Received letter stating that XXXX XXXX does not accept settlements on accounts.
Product: Payday loan, title loan, or personal loan

Hi my husband and I both took out a loan at Empire Finance in XXXX XXXX MO. We got behind on our payments and they started calling our contacts which was fine until my niece called me and let me know that when they contacted her they were sharing how far we where behind, how much we owed, and how much our loans were for. Then a few days later my brother called us with the same information. I don't believe they are allowed to give out our personal information it has caused a lot of embarrassment and awkwardness in our family now. Could please look into this matter and stop this from happing to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Equifax, XXXX, and XXXX because they are not complying with their own policies in a timely manner. The letters attached is my third round of letters, I've sent all three without any response and it has been over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiry from onemain was made on XX/XX/XXXX, I contacted them as soon as I saw it on my credit report thru XXXX XXXX on the XXXX inquiry details. it drop my score 2 point. I informed onemain that I have not applied for credit since I filed for bankruptcy in XX/XX/XXXX and they told me this credit application was made online with your name address and ssn with my husband email address. at this time neither my husband or I have applied for any credit, loans or unsecure debt. I believe this is Identity thief. 


Onemain XXXX, IN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

My credit report shows a collection from your agency. I was never notified of this collection and or given the proper notification in regards to this debt. nor was i given the opportunity to dispute his debt. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. If you feel like you've sent proper notification please send me the certified copy of of the proper notification, proper receipt with my name and signature on it. along with that please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number. 



XX/XX/2024 I've sent a certified copy asking this company to validate this debt is mine. I haven't received a correspondence. According the FCRA this company should have sent a correspondence within 30 days of notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.
Product: Credit card or prepaid card

On the XXXX of XXXX, 2020, at XXXX, I spoke with a Citi Bank credit card Supervisor- ID number either XXXX or XXXX, named XXXX. The topic of the call regarded my Citi bank double Cash personal Credit card, which carried a XXXX Balance. The card had closed down. It was brought to my attention that I had not made any purchases with the credit for 24 months. I received an email notification stating Action being required on XX/XX/XXXX. The email also mentioned that my account had been closed for the same reason ( dormant activity ). Within my online banking there Within the statement/documents section was only 1 Letter of closure was sent to me on the XXXX, stating the account was closed. XXXX said a letter was sent on XXXX 2020, by mail, informing me that the account had been closed. XXXX confirmed that zero letters were sent to me prior to the letter she claims was sent out XX/XX/2020. XXXX also mentioned the there was no timeframe to call back If I wanted to submit to reinstate my account to be reopened. Of course that meant running my credit again, which I shared no interest for. My consumer rights within the Citi bank policy grant me 2 letters of revert which state 2 letters will be sent to the customer, asking them to revert, if they wish, the account will remain open, to take action revert PRIOR to card closure. I was never sent a letter to revert in the mail. My address was current and clearly I never received and alerts of letters within my online banking nor any emails about the reverting of my account prior to closure. 
XXXX stated, she could not comment on the policies, when I read my rights, which were written by Citi Bank, to her. 

Here what I have an issue with : Error 1 ) they gave me 5 days from the XXXX, to address the account was closed on the ( 1st notification on the XXXX by email ) Error 2 ) I never received the 2 notification Letters prior to closing ( rule # 7 in document attached ) Error 3 ) XXXX stated I have any time to call back to reinstate which is false according to Citi Bank rules of 30 days. 

My credit score was negatively impacted once the Citi Bank with perfect payment history of 3 years, was closed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, while on the phone with a Paypal representative and logged into their site, Paypal decided to limit my account access to my monthly recurring income from royalties. No explanation or recourse was offered. 

Basically, I was told that Paypal will contact me in 180 days with options for withdrawing my funds. 

I have done anything illegal. I AM guilty of trusting Paypal when I shouldn't have. 

Imagine a bank telling you that they will contact you in 6 months so you can get your funds. 

My case # Ref ID - XXXX
Product: Checking or savings account

Hi, my debit card was stolen at a gas station. I didn't realize it until the next day, XX/XX/XXXX. I called the bank immediately to put a fraud alert on my account and to close my card. This was with XXXX, XXXX of Colorado. I filed a dispute on the XXXX! They didn't even think to ask me what happened. They said they saw a picture of me on social media. There was no tag or location on this picture. I had a picture with a friend who took me out, but that was not at the location the bank said I was at. They lied and stole my money and will not refund my funds that were stolen from me. I called the dispute fraud department and they said it's closed, they will not open it again, and just took my money with no proof! I was not there, and this is wrong!