23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/2016 PayPal Extras Master Card declined XXXX cash advance transactions, but then charged me for them anyway. They refuse to reverse the charges unless I produce a receipt- which I do not have because I have never had a credit card company charge me for a transaction THEY declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

XXXX is reporting this on my XXXX XXXX card account and my XXXX XXXX account
Product: Checking or savings account

XXXX XXXX XXXX XXXX and BAnk of America had a breach of my personal information. Requesting all credit account removed from all three credit bureaus
Product: Mortgage

On XX/XX/XXXX, I received a letter indicating I had an escrow shortage of {$7300.00} from Freedom Mortgage. This is inaccurate. I immediately contacted them and have had approximately 22 phone calls with various customer care agents, tax department specialists, escalation specialists, and general mortgage specialists to no avail. Again that's 22 phone calls. Yesterday, XX/XX/XXXX, after another hour on the phone with an escalation specialist, I realized that on XX/XX/XXXX I would be issued a late fee for non-payment for XXXX, as well as assessed a credit report negative score if I didn't pay their amount which is {$2700.00}. My normal mortgage is $ XXXX. so that's {$1000.00} a month difference. I can't afford that, and have spent five weeks trying to fix this. At times I didn't understand it myself, but I understand it perfectly well and I don't know why I have such a high mortgage payment. They got the county tax wrong and finally fixed it but they still don't understand the school tax. I do. They say I have a {$4700.00} shortage when in fact I should have less than a {$2000.00} shortage. I don't know why this raises my mortgage {$500.00} a month! it's illegal, malfeasance, and they refuse to negotiate and/or explain themselves and I can't wait any longer. Enough terrible service and super-high fees with no solution!
Product: Mortgage

I have a VA home loan with Veterans United in pandemic forbearance. During the end of forbearance period this last two months VU has harassed me with an absolutely mind boggling amount of calls day and night. They tell me to call back closer to end of forbearance if I answer because submitting the paperwork earlier would end forbearance sooner. So I ask why was I called. They stated these calls will continue until my loan is current regardless of me finally handing the matter over to a VA loan specialist because the calls XXXX a day XXXX were finally affecting my mental state. I am a XXXX XXXX  with among other issues XXXX and XXXX XXXX. I have told them this as well. The last one on phone was specifically extremely rude and essentially told me to shut up several times while reading from her PC screen what she was told to read and could not answer a single question I had about my loan. This can not be normal? I also told my VA loan specialist about the behavior. Their website is next to useless, their app as well. They literally don't even currently need anything from me, all paperwork submitted. Yet the calls don't stop.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understanding, you will investigate the following account listed below to ensure its accuracy. Here is the account I am asking you to verify and validate : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX
Product: Checking or savings account

I saw that there was a large withdrawal made from my Citibank savings account to a XXXX XXXX account. I do not have an account with XXXX XXXX. I called Citibank on Wednesday, XX/XX/XXXX to file a complaint and they said they would start an investigation. There has been a credit in my account for the amount withdrawn and I am waiting on the pending results of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for accounts - XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax, XXXX. 

XXXX 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: Payday loan, title loan, personal loan, or advance loan

This is the second time that XXXX has submitted false information to the credit reporting bureaus regarding this account. XXXX reported this account as a delinquent charge off in XX/XX/XXXX, but promptly corrected it after my complaint here. However, I received a credit alert on XX/XX/XXXX that XXXX is reporting my account as delinquent again. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX to find out why my account is being reported as delinquent and to have it corrected. She didn't have any answers but said she would start an investigation, that was XXXX weeks ago. My XXXX XXXX has dropped XXXX points across the board. When I log into my XXXX account, it shows as current, and it should ; payments have been on autopay for the past couple of years. I even received the 10 day reminder email about the auto payment on XX/XX/XXXX. I have attached my payment history from XXXX 's website as well as the email for the auto payment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Immediate Deletion of Inaccurate Accounts from My Credit Report Dear Experian, TransUnion, and Equifax I am writing to formally demand the immediate deletion of the following inaccurate accounts from my credit report. Although these accounts were XXXX  in bankruptcy, you have continued to report incorrect information, falsely stating that I still owe a full balance on each account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and you have been reporting these inaccuracies for over a year.

This is my fourth time contacting you in the last 12 months regarding this matter, yet you have failed to take corrective action. 
The following accounts must be deleted from my credit report immediately : XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX ( Account No : XXXX ) XXXX XXXX XXXX Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX XXXX XXXX ( Account No XXXX XXXX XXXX XXXX XXXX Account No : XXXX ) XXXX ( Account No : XXXX ) Under the FCRA, you are required to maintain accurate credit reporting. Since you have failed to correct these inaccuracies despite ample time to do so, you are now liable for damages. As per FCRA Section 616 and 617, I am entitled to statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorneys fees. 
If these inaccurate accounts are not deleted immediately, I will have my attorney file a lawsuit against you at your expense. I demand that you provide written confirmation that the above accounts have been removed from my credit report. Failure to comply will result in legal action without further notice. 
This letter serves as formal notice, and I expect a prompt response. Please send written confirmation of the deletions to my address within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX Bankruptcy XXXX  Papers Credit Report Identification
Product: Credit reporting or other personal consumer reports

I am unsure I why I am having this consistent problem with XXXX, XXXX, and XXXX XXXX. In XX/XX/2023 I filed a complaint with XXXX reference # XXXX. After a thorough investigation, XXXX deleted Hunter Warfield from my credit report due to lack of verifiable proof, agreement with Hunter Warfield with my signature, and other reasons. I can't understand why XXXX and XXXX are failing to do a proper and thorough investigation to come to the same conclusion to delete this from my credit report. XXXX, XXXX, and Hunter Warfield are violating my consumer rights by federal and state law to include but not to FCRA ( 15 U.S.C. 1681s-2 ), FCRA ( 15 U.S.C. 1692g ), and Maryland State Law ( Maryland Consumer Debt Collection Act - Md. Code Ann., Com. Law 14-202 ). The company fails to provide verifiable proof of a signature contract/agreement with me, XXXX XXXX XXXX XXXX and Hunter Warfield . I have attached a letter that explains this in further detail to include a letter for CFPB, Hunter Warfield and a statement from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a dispute with XXXX on XX/XX/23 for fraudulent credit card creation from XXXX XXXX that I have absolutely no knowledge of that I found on my credit report. I found out on XX/XX/23 that my dispute of fraud credit card got denied, so I got on the phone with a XXXX agent to file another dispute, and found out on XX/XX/23 again that my dispute got denied. I got on the phone again today XX/XX/23 to file a dispute about this, but I am afraid if it keeps going on like this, XXXX will reject my dispute again and I am going to be in a loop of constantly filing dispute and over-time, my credit will falsely be harmed, because there is already a charge of $ XXXX on that card and it is under my credit.
Product: Credit reporting

In 2011 my doctot 's office submitted a claim to XXXX XXXX for {$220.00}. This bill was an office error in coding to my insurance company and was resolved and paid in full by XXXX. I visited the doctors office accounting today and they show no balance due. I contacted XXXX XXXX be phone today and they show no balance owed. They said to contact Equifax and have it removed, as it was removed or recalled by my doctor 's office. I do not owe, nor have I ever owed this bill since 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with TransUnion, XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. TransUnion, XXXX and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with TransUnion, XXXX and XXXX.
Product: Checking or savings account

Yesterday, i deposited a US Treasury Check into my bank account for {$9900.00} at my local branch, today i am being told that the funds will not be available until XX/XX/2023. I spoke to a call center representative who gave me the availability date of XX/XX/XXXX. XXXX  which is this upcoming Saturday, his manager however disputed those dates and said XX/XX/2023. Federal rules require government checks to be made available to me within a 24-hour period. bank of America is refusing to provide a REAL reason for the check being placed on hold. my account hasn't been overdrawn within 6 months, i am not a new customer, i have made similar deposits within the last 90 days, there is no real reason for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Consider this as a follow-up to my previous attempt to file a complaint Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$330.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

XXXX was my servicer. In XXXX, I was out of law school with no job. I was receiving calls about making payments that I could not afford. 

I told them that I had no job, no income, and I was living off very limited savings. Instead of screening me for income based repayment, which would have dropped my monthly payments to nothing, they put me on forebearance. 

This continued for a number of years, including when I finally got a job of $ XXXX. 

Because the forebearance forms needed to be submitted more frequently than income based payment verification forms, when I was moving, I missed one of the forebearance forms.

This resulted in me ending up in default. 

I was finally able to get out of default in XXXX, but my interest was capitalized, and my student loan balance became much, much larger than it was before. 

Had I been given income based repayment instead of forebearance, I would not have had my interest capitalized. 

I never would have defaulted. 

I would be XXXX more years into repayment than I am today. 

This is still dragging on me a decade later. Despite making payments under IBR, because my interest was capitalized, I'm making interest-only payments. I've never been able to touch the principal of my loan. If this continues, I will never pay off my loan during my entire life. 

Despite paying $ XXXX in interest, my loan balance ~ {$70000.00} larger than it was the day I graduated, because of the capitalized interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Harassing phone calls by 21st Mortgage. Repeatedly calling more than 7 times in 7 days. 
Debt collection practices are unorthodox and extremely personal in nature of questions as to why debt has become late. 
Intrusive questioning. 
XXXX different phone numbers are used to call : XXXX called 7 times from XXXX even after engaging in conversation with regard to debt. 
Borderline abusive collection tactics ; threatening foreclosure when not yet 30 days past due, by XXXX XXXX XX/XX/XXXX. I have requested to not speak with this particular person again but am subjected to speaking to him when contact is made. 
21st Mortgage purchased loan from another servicer in XXXX and continues to tell me I am in violation of bankruptcy code when my home was not included in a bankruptcy action nor was it with 21st Mortgage when I declared bankruptcy.
Product: Student loan

I've seen no changes for the accounts that I have filed last month, I still see multiple 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

You deleted XXXX XXXX credit cards and added them back and deleted XXXX XXXX XXXX  XXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see XXXX XXXX / XXXX / XXXX credit cards ( XXXX listed as other ending in XXXX XXXX is listed as ending in XXXX XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX ) on my account and I still see XXXX XXXX XXXX XXXX XXXX XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX  ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$250.00} XXXX XXXX account years old was paid off and closed the bureau is refusing to take it off violating my consumer rights by posting it on my credit profile without my permission which has had a negative effect on my life, its making it hard for me to any kinds of credit cards etc XX/XX/XXXX {$500.00} account is years old was also paid off and closed out contacted the company was informed that I needed to contact the correct bureaus they weren't aware that it was showing XXXX my report I called experain and informed them and also let them know they were in violation of my privacy by posting on my credit profile and they are also in violation of U.S.15 XXXX {$170.00} I informed experian that I was a victim of identity theft and asked for proof of validation and also informed them they were in violation of my consumer rights by posting on my credit without my permission and due to this they had caused me severe hardship I have a tough time with getting cars a place to stay etc because of this is on my profile they are all in violation of FDCPA 807, misleading false reporting and more my next step will be to bring litigation against Experian if not removed all bureaus has also placed inquiries on my report without my permission or verifying also has inquiries on my reports that I do not know about as I have said I was a victim of identity theft all three bureaus are in violation of my rights and are breaking the law they need to be held accountable or go to jail for the laws they are breaking {$3700.00} XX/XX/XXXX account was paid off as soon as they took my car therefore I owe no debt and they are in violation of law 15 US code 1681a and also law FDCPA section 807 XXXX {$520.00} is in violation of my privacy that account was paid and closed off they are still showing it on my credit as late payments which has also affected me I get denied for things because they see what was posted on my profile my next step is litigation if not removed right away XX/XX/XXXX {$1400.00} I no longer owe any debt to that company when they sold my file I am not responsible for that debt and I informed experain they were in violation of my consumer rights for privacy and did not get my permission per law FDCPA 807 I asked the company to remove it all but they refused my next step is to file a suit for violating my consumer rights
Product: Money transfer, virtual currency, or money service

This complaint doesn't relate to the first one ( XXXX ) and I understand that the unauthorized XXXX online transaction is irreversible. This complaint is about the second unauthorized Wire Transfer transaction that Chase Bank was working on. This week, I received a letter from Chase bank stating that they denied my claim for the Wire Transfer unauthorized transaction because the transaction was authorized by me and I received benefit from it. This is false. Two weeks ago, I have called XXXX and they have confirmed that my phone SIM card was unauthorizedly switched during the time that the unauthorized transaction happened. I have proof that during that time, I had no access to my email, phone number and my bank account.