23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the last 10 years of making mortgage payments to Bank of America, I had always been given the opportunity to make an additional payment on their website. In doing so, it asked if I wanted to apply this additional amount to escrow, interest or principal. I had a habit of rounding up to the nearest {$10.00} or {$20.00} and always requested that this amount be applied to my principal balance. Since the loan is top loaded with interested payments I felt the additional principal payments would help knock down the amount of time to repay the mortgage. Every time I did this, the following month Bank of America would adjust my new payment due amount downward in the amount of overpayment I had made from the previous month. In effect, I was not actually making additional payments at all because of these practices. This year I have noticed Bank of America no longer allows you to make additional payments on their websites and you can not make any payment to the mortgage on mobile. 
I believe Bank of America is engaging in fraudulent activity by crediting my overpayments not to my principal balance but to future payments owed. Now they are not allowing an overpayment to my mortgage at all. These are not very consumer friendly practices.
Product: Debt collection

I received a message from our receptionist at work on XX/XX/XXXX to call XXXX XXXX ( XXXX XXXX XXXX ) at XXXX. So, I called her that same day on my lunch break and made arrangements to pay on my student loan and advised them NOT to call my place of employment anymore, she then verified my cell #. Once we got off the phone, I was emailed that same day the agreement papers and for me to sign and return, which I did that same day and emailed them back. On XX/XX/XXXX, I received another message from my receptionist at work with another message to call XXXX ( XXXX XXXX XXXX ) at XXXX. I called them back and spoke with a rep named XXXX XXXX ( XXXX XXXX XXXX ) and told him, that I specifically told XXXX for your company NOT to call my place of employment. XXXX, then asked what date did you make this request? I explained to him that I have only spoken to your company one time ( XX/XX/XXXX ) other than me calling back today, and I advised no more calls to my place of employment. I advised him that they were now violating the FDCPA laws and I was now going to file a complaint. He said he understands and continued on with the reason for them calling me again, payment process did not go through. Once, he resubmitted the arrangements again and took my debit card information again. He apologized and told me he doesn't blame me for continuing to pursue to file a complaint. He then thanked me and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 a account without my hand written instructions.
Product: Debt collection

On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XX/XX/XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from TransUnion, XXXX. Even one of them ask for verification that its me when i sent my information of verification. XXXX, sent information but all they continue to tell me is that its verified without any information that i asked for
Product: Debt collection

Two and a half years ago i lived in an apartment complex in stone mountain ga. we had XXXX vandalized cars in the course of 2 weeks. i had to move on the other side of town for a new job. we owed them our lasts months rent. that was XXXX $ they have a XXXX debt on my credit that actually i disputed that got removed but they put it back on and I 'm trying to buy a housestate .They have illegal posted derogatory information on your credit report illegally and will not provide me signed supporting documents stating you engaged in any type of business with them or their customers. I demand they provide letter on their company letter head exonerating you of any financial activity including the account number that reflects on my credit report. Also please remove this completely form all three credit agencies : XXXX, XXXX, and XXXX. ''
Product: Credit reporting or other personal consumer reports

TransUnion has reported erroneous information from creditor XXXX XXXX for {$32.00}. 
Despite providing information to TransUnion that the 4X and years of recalcitrance, I need help from your agency to adhere the FCRA laws. I also paid them on XX/XX/2023 and it still shows as a debt. It has been incorrect for years. Its only {$32.00}. It need to be deleted. I have all documents uploaded. Please help me in anyway you can.
Product: Money transfer, virtual currency, or money service

Contacted by email for services to be provided by contractor to send 50 % down through XXXX. {$330.00} was sent on XX/XX/2022 using my bank account with Wells Fargo. On XX/XX/2022, contractor called stating their email had been hacked and fraudulent requests were sent asking for money. I contacted Wells Fargo immediately explaining the situation. A letter arrived XX/XX/2022 denying responsibility for fraud. Fraudulent requester said to send money to his secretary named XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my knowledge a 'fraud alert ' was put onto my credit profile. This has made leasing a vehicle and accessing any credit increases very difficult. My bank advised me to contact each reporting bureaus to have my phone number added or to remove the fraud alert from my account. 
Upon trying to contact Transunion on XX/XX/21, the teleprompter took me in circles over and over and over again with no option to remove the fraud alert. I then attempted to use the online chat. The chat representative asked me to hold and never came back therefore timing the chat feature out and closing it. This happened three times. They have made no venue to contact them regarding this matter as you can not speak to a representative and there is no option on their teleprompter. The chat for help feature had the same response each time, 'Please wait a moment while I research this ', and the person never came back. 
This is very frustrating that I am unable to increase any credit limits or get any new credit extended because of the fraud alert that I am unable to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

put in for XXXX  XXXX XXXX XXXX cant get hard copy on trans union, XXXX, XXXX dont come up
Product: Credit reporting or other personal consumer reports

I am writing to report an inclusion of late payment from Account name XXXX XXXX Account number XXXX on my consumer credit report. XXXX XXXX, XXXX, XXXX, and Equifax are violating my rights because they violate the provisions of 15 U.S.C. 1681a, which defines a consumer report and outlines its permissible content. Specifically, the law states that consumer reports can not include information about transactions or experiences between a consumer and the person making the report. This includes late payments, which should not be reported under these guidelines. 15 U.S.C. 1681a ( 2 ) Exclusions. This Account has already been disputed previously and marked as completed which equals as a failure to correct this violation for which I now demand a {$1000.00} compensation as well as the removal of the late payment as a result of this failure. It has come to my attention that the reporting of late payments on my credit report is inaccurate and unlawful. The continued inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and creates an unfair representation of my creditworthiness. Delete the late payment which is stated on my consumer report that has a date of XX/XX/year> across all CRAs XXXX XXXXXXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XXXX - {$56000.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have sent in multiple permissible purpose letters and Metro 2 compliant letters asking to delete this account due to the numerous inaccuracies, however these Bureau 's keep stating that the account has been verified and reporting accurately which is false. This is grounds for removal and deletion.

They also violated my rights under 15 U.S.C 1681 section 602 A ; which states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ; states that a consumer reporting agency can not furnish a account without my written consent.
Product: Credit card or prepaid card

Called for a replacement card, old card lock wasn't able to use it.called customer service which is Direct Express for a replacement on XXXX XXXX, their not answering the phone same recording comes on no help.Meanwhile rent an bills aren't. Recording says card is in the mail I haven't received it yet. Please help me I've done everything I thought would work but it hasnt.
Product: Credit reporting or other personal consumer reports

Per provisions of the Fair Credit Reporting Act, COMPANY ( XXXX XXXX XXXX ) XXXXUSD I require that these items be investigated and removed from my report. I understand you will double check these items with the creditor who posted them. 

Please delete any information that the creditor can not verify. I understand that minors under 15 U.S.C. Second. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.
Product: Credit reporting or other personal consumer reports

SANTANDER XXXX XXXX XX/XX/year> No knowledge of account
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Debt collection

The collection Wakefield & Associates has put a collection on my Credit report and I don't know who these CREDITORS ARE BUT THEY SAY I OWE A DEBT OF {$630.00} on XX/XX/year>. THE original CREDITORS is : XXXX XXXX the account number ( XXXX ) I Don't owe these creditors there Contract info ( XXXX ) XXXX XXXX XXXX XXXX, TN XXXX
Product: Mortgage

On XXXX XXXX I applied for a home mortgage. I contacted Movement MortagXXXX online and submitted all documents needed with XXXX XXXX. I received a Commitment Letter saying I was pre approved for a $ XXXX loan with FHA XXXX XXXX down. I was excited and went looking for a house. XXXX said he wanted to submit it to the board to make sure it was all going to be good. He came back asked for a few more things, was all good. I put a offer in on a house, put money down, was very excited. Then he called said He could n't use my child support, which was a large part of my income. This was not hidden, So then he said if you pay off your XXXX XXXX loan, I can still get you to budget. I was like how can I come up with another XXXX XXXX... My boyfriend went out got money to pay it off, was a stressful few days to figure that out. I was at bank depositing money get a call from XXXX XXXX, sorry your loan is no longer approved even if you paid the loan off. I paid off all credit cards, only thing left was my car payment. I was so upset and embarrassed. My heart was already with this house. I put money down and paid for a appraisal. I did fight to get those back, but never wanted to be in that spot, that 's why I got a pre-approval letter. I have been so upset and stressed over this, and do n't think this should be right! I told everything up front. I am a single mom and just wanted better for us. The sad thing is I pay more in rent than my payment would of been! I have been my job for almost XXXX and lived in same place XXXX. Just sad a mortgage can do this! So I do n't recommend MOVEMENT MORTGAGE. IF any documents are needed I can provide, I KEEP EVERYTHING.
Product: Checking or savings account

Money was taking from my account without me knowing on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We received a Fraudulent e-mail which was imposing as an employee asking to Pay an Invoice. The money was wired on XXXX. We just realized it was a scam as the employee never requested the Invoice be paid, and the e-mail trail would not allow a reply to be sent. 
{$28000.00} was wired to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX email XXXX ( XXXX ) XXXX TD Bank XXXX : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage
Product: Credit reporting

I dispute the " Date Opened '' as reported on my Equifax credit report. XXXX ( through their subsidiary XXXX XXXX XXXX ) provided me with a collection statement indicating the correct opening date of the original debt is XX/XX/XXXX. Equifax is reporting the acquisition of the debt ( XX/XX/XXXX ) as the opening date of the debt. I have disputed this with Equifax and they have failed to update the report accurately.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.
Product: Debt collection

My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXXXXXX XXXX the government has obligation to discharge and settle debt we may incur
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.
Product: Credit reporting

The address on my report was not mine : XXXX XXXX XXXX XXXX MD XXXX
Product: Credit card or prepaid card

I received a prepaid AMEX egift card from my company. The card had no instructions for activation. I used it, it got declined in multiple places. You call them, they put you in a queue. A guy in an XXXX call center talks to you. It is a hassle and takes a while. He'll activate your card and it should be good to go in 24 hours. After 24 hours you try to use it and it gets declined again. They will always have an excuse they are protecting you when declining the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to TransUnion. Also, XXXX ( an organization that mirrors TransUnion in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. TransUnion & XXXX have all maintained to fail in deleting this account which violates the FCRA.