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

I appreciate the actions made by the XXXX, XXXX and TransUnion Credit Bureaus. But there were still many items that I needed the respective credit bureaus to remove from my XXXX credit reports. Here are the list of items that I need the Credit Bureaus to remove. I am humbly seeking the help from CFPB to make sure that these items below are removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This collection not only did they report the wrong amount owed to the credit bureaus they have tried to collect it and have consistently grown in interest.
Product: Debt collection

I received several pieces of mail to my house directed to XXXX XXXX. My former married name was XXXX, so I thought that maybe they just got my first name wrong ( my name is XXXX ). 

Upon opening it, I saw a large bill for XXXX XXXX. I spent an entire day calling back and forth to XXXX and to a doctor in TEXAS ( I'm in IOWA ) that this alleged bill was for so I can tell them this has nothing to do with me as I'm in Iowa and haven't been to Texas in 30 years and this is not my name. I also haven't been to the doctor in over a year because I was laid off due to COVID, so this definitely has nothing to do w/ me. 

They said to just ignore it if it isn't for me, so I did. I was sent bills in the mail on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I probably got one in XXXX, but didn't get a date and scan of it ) XX/XX/XXXX Then, collection notices arrived on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now, the collection showed up on MY credit report for this in the amount of {$1500.00} for the following creditor : CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX It says the original credit was XXXX XXXX XXXX. I am not the intended recipient of this debt and did everything in my power to tell them so before it ever went to collections.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX late closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Balance information furnished to all three ( 3 ) major CRAs for acct/XXXX " FM/Firstmark Serviced Trust '' is ten ( 10 ) times actual balance FM alleges in it's own accounting system. Attempts to resolve with XXXX through dispute process yielded results returned by XXXX that continue to show the amount as ten ( 10 ) times the alleged balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inquiries on my report that I do not recognize
Product: Credit reporting or other personal consumer reports

Im asking for your help with the incorrect account that is being shown on my credit report. This issue has been damaging to my reputation as a customer, and I need your help. I would like these accounts removed because they are inaccurately reported and have a negative effect.
Product: Credit card or prepaid card

An unauthorized debit by XXXX XXXX was made. XX/XX/23 I called XX/XX/23 tothe bank before the money was debited. I told them the purchase was unauthorized for {$420.00}. I was told it had to be processed ; eventhough, I told them it was fraud. 

I was told to call back once the money was taken from my account. 

I called back filed a fraud claim XX/XX/23. However, i filed a second fraud claim as another debit occurred unauthorized, which money ( {$50.00} ) was taken from my son 's account, which was refunded. 

My claim was denied 2 times and they will not give reason. And has taken XXXX almost 6 months to give reason. 

I asked for documents and have been denied that as to reasons why I got denial information that is insufficient and a denied request as of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have a claim under the Fair Credit Reporting Act of XXXX  ( FCRA ). Recently, I discovered erroneous information on an FCRA compliant background check. This information has prevented me from being gainfully employed and from opening a checking or savings account. On XX/XX/XXXX, I ran a credit report and background check ( through XXXX ) in an attempt to again find work. I have been unemployed since XXXX. Four judgment liens appeared on my background check from Bank of the West ( BOW ). These liens are both duplicative and mathematically incorrect. Cumulatively, these liens represent in excess of $ XXXX in judgments against me, and these claims have prevented me from finding work or opening a bank account. XXXX told me that I should request that BOW remove or correct the liens because XXXX had received the information from a reputable third party source ( the XXXX XXXX Court where BOW had filed their liens ). BOW has duplicated the liens in my name and has used an incorrect base from which to calculate interest. I believe that the bank has knowingly and intentionally misstated the amounts I owe and continues to do so. I believe that their violations of the FCRA and CCRAA should include fines and punitive damages. I am seeking to file an action in either federal or state court with regard to the fact stated herein. 

I have attached the multiple judgments filed against me by Bank of the West evidencing their claim of {>= $1,000,000} due. These filings are duplicative and do not represent any economic reality.
Product: Credit reporting or other personal consumer reports

Experian has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 And 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Experian has also violated consumer consumer rights by ignoring CFPB dispute results and refusing to run FCRA standard disputes. Experian has refused to fun disputes stating they are doing their jobs but due to multiple past instances of failing to investigate this is false. Experian for 13 months has failure to investigate issue
Product: Debt collection

Hello, This debt just popped up on my credit report out of no where. I see that the original creditor was XXXX XXXX. XXXX XXXX  sent this debt to another company before National Credit Adjusters and it was removed from my report because I didnt take out this loan and it was no signatures nor ID showing that I took out this loan. It was removed last year and just popped back up on my credit report in XXXX. This debt should be removed from all three credit bureaus.
Product: Debt collection

LVNV FUNDING LLC 
(XXXX XXXX)
$XXXX

This is not my credit card. This is fraudulent and would like this removed immediatelyld l
Product: Credit reporting, credit repair services, or other personal consumer reports

MyXXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX  XXXX XXXX XXXX making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have XXXX  on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.
Product: Mortgage

On XX/XX/XXXX I was contacted by a loan officer in re doing a FHA streamline refi. I asked the officer if we needed to make XXXX 's payment as we were in forbearance due to Covid and he stated not at this time but if it is needed someone would contact me. On XXXX I received a phone call that the payment for XXXX was needed to continue the refi. Within the hour the payment was made. On XXXX I received our closing docs with a closing date of XX/XX/XXXX. On XX/XX/XXXX I contacted Freedom due to not having a time to sign yet and was informed that on XXXX our refi was denied due to late payment. Nobody had called me prior to my reaching out to discuss. On XX/XX/XXXX I spoke to a Loan manager who said he would do what he could to clear things up. He had someone send us new load docs on XX/XX/XXXX and said he would expedite the process since this was clearly their fault for providing incorrect information. I have spoken to him close to a dozen times now and continue to get the run around. No closing date, no info on when that might come. I was forced to burn up my savings to pay XX/XX/XXXX  mortgage. The first refi took just over a week to get closing docs and a date and now were going on over a month. I truly feel like we're being strung along so they get paid. They hang the refi over your head to make you pay even though were in a Covid forbearance.
Product: Checking or savings account

On XX/XX/XXXX i called Citibank regarding my account. There was XXXX taken out of my account by someone who I have never met nor do I have a phone number for. I've spoken to several representative and told him I do not have a clue as to who the person is that took money out of my account. There should be more than just telling me the name of the person instead of trying to received any information from my phone. The bank instead refuses to investigate further into the incident which has caused me to withdrew all my monies from Citibank since they have allowed someone to take money out of my account without my permission and refuse to investigate further. They have also allowed others to go into my account with my knowledge.
Product: Credit card

On XXXX/XXXX/16 I made payment in full on my Citibank XXXX XXXX credit card. Today I logged into my Citibank online account to get a copy of the statement showing that my balance was paid in full. To my surprise, I could download the XXXX statement, and the XXXX statement, but not the XXXX statement on which my payoff transaction would appear. I used the bank 's online Live Chat feature to contact them about the problem. Their representative, XXXX, stated that they do not provide statements when the account has a zero balance, so no statement was generated for XXXX 2016. I pointed out that I had made a large payment during that statement cycle, so there was a transaction on the account, & even though the ending balance was {$0.00}, the starting balance was not {$0.00}. I should therefore receive a statement for that month, which did have some account activity, as proof of my payment and of my zero balance due.
Product: Credit card

I had previously used the card and paid it off. The next thing I know the card was closed.
Product: Mortgage

Wells Fargo said that the homeowners ' insurance company had the funds. The homeowners ' insurance company did not answer the phone. I am now sending certified letters to all parties.
Product: Mortgage

On the day of closing, which is listed on my Closing Disclosure as XX/XX/2022, I called Broker Solutions Inc dba New American Funding at around XXXXXXXX XXXX. My loan agent said they were about to call me, because I need $ XXXX {$900.00} more for additional title fees because your title has a special lien showing XXXX as an owner and that's not normal. I explained that this is normal for any existing mortgage for the mortgage company to have a lien on the title. I was then directed by my loan agent to her supervisor, who told me the same thing. I told the supervisor that I have a Closing Disclosure, they chose the title company, and that they can not spring fees on me the day of closing. He tells me I don't have a CD, even after sending a picture of it to him with the closing date clearly on it, noting that it is a Final CD. The supervisor even threatened to let my rate lock expire, which has already been extended once, if I didn't go ahead and pay the extra money charged by XX/XX/XXXX when it expires! And then noted that that would be an extra charge as well. It has been a complete nightmare. There is so much more that I honestly need to talk with an agent, because it's too much to type. XXXX XXXX is the name of their titling company used, for reference. Please help! I know this can not be right.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

YOUR COMPLAINT Since XXXX, I have been building back my life when Bank of America included many fees that ultimately affect my savings and checking and deleted my account before hand to hide the evidence I had over {$200000.00} put into Bank of America which I regret because of the decease of funds I lost my home, children and well-being. I opened an account with Bank of America in XXXX and in XXXX over the course of being with Bank of America my funds dropped due to fees. I tried to dispute the issue with Bank of America but they did nothing to find a resolution with the matter. XXXX years later, I tried again to talk to a represent and I was informed by Bank of America would handle it by getting this issue fixed with the CFPB which they did not do. I called CFPB on XX/XX/XXXX and was informed by the cfp. nothing was done by Bank of America. I even just found out I was supposed to have a gold XXXX XXXX card through legal zoom and a money card that I never received nor knew about because of this constant distraction that has ruined my life and sent me through a dark XXXX ......
Product: Credit reporting or other personal consumer reports

I am a victim of identity Theft. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 
The identity theft also resulted in multiple inquires that I did Not approve at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EXQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this  company has violated HIPPA Laws which I will Be suing. )
Product: Credit reporting or other personal consumer reports

Incorrect addresses list on Experian and XXXX that do not belong to me : 1. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Im a victim of identity theft, because I have no clue about the account showing on my credit report
Product: Money transfer, virtual currency, or money service

I have a cryptocurrency wallet with XXXX ( XXXX Wallet ). I transferred 3.5 Ethereum ( as of today worth approximately {$14000.00} ) from my XXXX wallet  to my Robinhood trading account, specifically to my Robinhood Ethereum wallet on the Robinhood platform. To be clear, this not in reference to the Robinhood Wallet app, which is a separate app from the Robinhood trading platform app. I transferred the Ethereum on the XXXX XXXX, which is a crypto network built by XXXX and supported/accepted by many cryptocurrency trading platforms and wallets ( including the separate Robinhood Wallet app ), but the XXXX XXXX is NOT supported by the Robinhood trading platform, which is again where I tried to send the Ethereum. So, because the XXXX XXXX is not currently supported/accepted by the Robinhood trading platform, my funds are not showing up in my account and are indefinitely missing ( have essentially vanished ), unless and until Robinhood accepts the XXXX XXXX. I also know for a fact that this has happened to countless other Robinhood customers/account holders. There must be literally millions and millions of dollars worth of cryptocurrency stuck in limbo on the XXXX XXXX waiting for Robinhood to accept the XXXX XXXX. But the thing is, all Robinhood has to do is accept the XXXX XXXX, and all of these funds will appear in the respective accounts of customers who are waiting. The lack of clarity from Robinhood on what, if anything, if being done to remedy this issue, as well the vague and misleading fine print that this is even a problem to begin with, is borderline fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported me to credit agencies for a {$2.00} interest payment on a fully satisfied HELOC loan. I've been told that I stopped my autopay and though can not prove it I do not agree after having reviewed my records as I do not have notification of such. Even if true, the bank no effort to reach out to me to avoid the reporting as I learned it through the diligence in my review my credit report. My scores prior to this were 830+! 

Further, I now have an issue with the dispute process with Equifax and XXXX as balances were reported incorrectly to them -and they accepted it. My available balance on this HELOC is now {$100000.00}, which is {$17.00} higher than the original loan. This is due to the fact that when I went to the bank to correct the account they took a payment {$17.00} over that which I truly owed them. In discussion with the Customer Service folks I spoke to about this, numerous of them, the response to both of their errors, failing to prevent a {$2.00} balance to negatively affect my score by 70+ points for up to 7 years and then overpaying themselves to satisfy the balance, was indifference at best. 

Based on my payment history, I feel XXXX was negligent in attempting to contact me in an effort to avoid this issue and as such this has disproportionately affected my credit standing in a negative way in which they are indifferent to while being indifferent to their own mistakes.