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

I make all my payments online through my bank account. All of my credit cards are set up this way. I received my Fortuva credit card in XXXX. I made my first payment on XX/XX/2021. The payment showed processes and then reversed the same day. I called my bank first to see if there was a problem on the bank end. The representative I spoke to said that the charge never came through. I went on to my Fortiva account to make sure I did not make a error when entering my bank account information. All information was correct. I called Fortiva and they said they are unable to tell me why it was reversed., bit I was then charged a {$40.00} late fee. I made my next payment in the same fashion. I assured all information was correct. I submitted the payment to be paid on XX/XX/2021. The payment was processed and then reversed. I went through the same process as before. I called my bank and they let me know that the payment never came through the bank. The representing told me that it would show if they kicked back the payment or denied payment. I called Fortiva again and was told that they could not tell me why it was reversed, but again charged me a {$40.00} late fee. The representative said that I could make the payment over the phone and they would waive the fee for paying through the customer service. I have verified and reversed all my banking information and it was all correct in their system. The payment I made over the phone processed right away through my bank. I asked for them to reverse the late fees since there is something wrong on their end and I was told they are unable to do that. I believe they reverse payments on purpose to collect the late fees. Like I said all my other cards are set up the same way and I have never had a problem with my payments. I have closed my account with Fortiva credit.
Product: Debt collection

Left an apartment complex with rent paid in full. 2 weeks later my account was submitted to collections without my knowledge or allowing me to dispute the debt before hand. I have requested a signed contract with my signature showing I was made aware I would be charged for cleaning after move out and the company has no such documents nor was I advised if these charges before being immediately turned over to XXXX XXXX  without any attempt to notify me before hand. I have requested the company provide proof of the validity and all they have sent is a copy of my XXXX that I did not violate in anyway.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$5700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

My card has been blocked again by the so-called fraud specialists at Citibank. In the past month, I have called hundreds of times, and these people are absolutely insane. They flag my account for every single transaction, every day, so I need to call them for every transaction. I'm so mad...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a marriage with a XXXX for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my fingerhut account in full and through nerd wallet was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. XXXX ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time
Product: Mortgage

My Rocketmortgage Escrow statement from XX/XX/XXXX had a {$10000.00} over charge mistake for my homeowners insurance. Their mistake made my bundled mortgage increase from {$1700.00} to {$3400.00} effective XX/XX/XXXX. I did not catch this until end of XXXX and reported it to Rocket Mortgage. I recieved a new Annual Escrow statement dated : XX/XX/XXXX with the corrected homeowners insurance amount of {$4500.00}. However this corrected escrow shows an effective date of XX/XX/XXXX. I have been making timely payments of {$1800.00} but the senior research team at rocketmortgage is saying I have to pay them {$1200.00} and that I am liable for the XX/XX/XXXX Escrow even though it was their mistake. I am getting late notices with late charges. The latest one dated XX/XX/XXXX says I have a {$6900.00} past due amount with {$110.00} in late charged. They are applying my timely payments of {$1800.00} as partial payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 XXXX payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX because the payment from XXXX  looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. 

Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. 

The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. 

This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. 

XXXX 's phone number is XXXX. I have attached our XXXX cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXX and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now XXXX states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or XXXX they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the Biden Administration but still that doesn't reflect either.
Product: Money transfer, virtual currency, or money service

Zelle was not transparent with its policy and several times added a hold to the funds sent or received, and any disputes were disregarded by the company and there was no action taken on their end, or real ability to do so on the app. It tried to exploit its customers and sold data as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is selling deceptive information to Experian who is also reporting this deceptive information on my consumer report. Before adding this allege debt to my consumer each company was required under law to send me a notice with my right to dispute this information BEFORE it was added to my consumer report. I did not receive this notice and XXXX XXXX XXXX did not receive authorization from the courts to pursue me to make me pay this debt.
Product: Debt collection

My complaint is with  XXXX  and  XXXX   XXXX   XXXX . In  XXXX    XXXX   I signed up for the Unlimited Data and  XXXX   XXXX  promotion for my family. The advertised Poster and the sales person ( at the  XXXX  WV  XXXX   XXXX   XXXX  ) office told me that it was a bundle. Super! This means I save money and billing is easier. Or so I thought!  XXXX   XXXX   XXXX  over billed me 3 times, this is n't my complaint as they did correct it all three times. I paid for the bill  XXXX   XXXX    XXXX  . In I had received a bill from  XXXX . I called  XXXX   XXXX   XXXX  and asked why they were billing me for a bundle in which I paid via  XXXX   XXXX   XXXX ? The price was set as per the poster and I paid the per line fee for unlimited data, talk, text and DirectTV. I was told that this was an issue and to keep paying my  XXXX   XXXX   XXXX  bill as I had been.     I called a   XXXX   after getting another bill this time it was n't until  XXXX . The customer service agent said she did n't see me on a bundle. She said the promo was going poorly and they had several complaints just like mine. She then offered to set me up with  XXXX  on it 's own. I said, '' no, If it 's not bundled and I am not getting that deal then I do n't want it ''. I told her I was sorry but  XXXX   XXXX   XXXX  and  XXXX  had not lived up to their end of the contract and broke the deal I agreed to therefore, they could take everything back.     I then contacted  XXXX   XXXX   XXXX  and changed my plan. I sent back the receiver to  XXXX .  XXXX  months ago I got a collections letter from  XXXX  for collecting my  XXXX  bill. They are saying I owe them for services from  XXXX  for monthly services as well as an early termination fee totaling - {$590.00}. I paid the advertised and agreed upon price to  XXXX   XXXX   XXXX  for phone service and  XXXX . I do not owe DirectTV. They need to check with  XXXX   XXXX   XXXX  to get their money, not me!     Sending me to collections is only further hurting my credit I have been trying to repair since a divorce. I have tried to correct this matter on my own by mailing a letter to the collections agency and they contacted  XXXX .  XXXX  decided that the charges were still valid. I disagree. They did not live up to the deal on which I signed up for. And the early termination fee is outrageous! They did n't hold up their end of the contract so I opted out. If they had been upfront with the product I would still have DirectTV today and probably past my two year contract.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give any of these creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  permission to furnish this incorrect information onto my credit report. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.The inquiry was not authorized ( any of those creditors ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 is a section of the U.S. Code that establishes the purpose and findings of the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed, and how credit reporting agencies ( CRAs ) handle consumer information. 1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until midnight of the third business day. 
I have suffered from these transactions that were not authorize by me Please remove it from my credit
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have

reached out to the creditors to ask the following but they have FAILED to provide such. Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). "
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Dismissed Bankruptcies from Credit Report Hello, I am reaching out regarding two bankruptcies that were filed but later dismissed, which are still appearing on my credit report. Since they were never activated, they serve no purpose remaining on my report. Unfortunately, their presence has severely impacted my ability to obtain credit, including rental approvals, a mortgage loan, and an auto loan.

These dismissals are preventing me from rebuilding my credit, as I am consistently denied credit opportunities due to their appearance. I would like to request their removal from my credit report so that I can move forward in re-establishing my financial standing.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

according to the irs and unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-c ( cancellation of debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX. After checking my most recent report, the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-c form also i informed you guys multiple times that this was due identity theft and you failed to provide me of the names and individuals who and when and how this information was verified. Which makes me think you failed to investigate this properly I'm not only demanding the 1099-c form, but I am demanding you guys do a reinvestigation. And I have attached a copy of the inaccurate discrepancies of this account. The date open is incorrect. The timing of the account is closed. ALSO NOT to mention you guys sent me a statement saying this account was deleted and then the next day it was a violation stated below reinserted Section 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If the disputed information is reinserted, the CRA must notify the consumer of the reinsertion in writing within five business days. The notification must include the name, address, and telephone number of the furnisher of the information. You guys didn't send me a letter nor did you guys notify me around XX/XX/scrub>XXXX XXXX XXXX  i got a notification form TransUnion which they have now made the file unavailable to me but i still have the screenshot where they told me the account was deleted and not only that I have the phone recording where they notified me it was deleted but reinstated the next
Product: Mortgage

In early XXXX, I applied for a mortgage refinancing through Bank of America Home Loans. On XXXX XXXX, I paid {$680.00} for a home appraisal and immediately gave access to the appraiser. However, the appraisal was not completed within the 60-day rate lock period, despite repeated inquiries and attempts to move the process to completion. I e-mailed the loan originators, their supervisor, and Bank of America Quality Assurance, without any resolution, specifically writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX -- the last two after the rate lock had expired. On XXXX, I asked for a refund of the {$680.00} I 'd paid for services I did n't receive, but heard nothing ; I wrote again on XXXX to restate my request for a refund -- and again, Bank of America ignored my correspondence. In short, Bank of America scammed me by collecting fees for services they failed to provide inside their own timeline ; they failed the customer service test by ignoring my repeated requests for a refund.