23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America added {$1700.00} on my Escrow account which has nothing to do with them. I pay my escrow through my primary mortgage. I have tried many times to find out why this happened with many unsuccessful attempts. Ive called many times and have been refused to speak with anyone in the Escrow analysis department nor have I received any explanation on why this happened. I have sent messages with no response. The messages were sent back and acknowledged on the XXXX of XXXX, 2020, yet still no response. Ive been given a forbearance until the end of XXXX for a payment arrangement but however still no response or explanation on why the escrow amount that was charged to my account. Ive have told them many times this gets paid through primary mortgage. Ive spoken with my primary mortgage and theyve heard nothing from Bank of America regarding this matter. I would like to know how legally Bank of America can put charges on my account that arent mine and inflate my now due. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to the credit reporting bureaus Transunion, XXXX, and XXXX  demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : XXXX. XXXX  - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from XXXX XXXX XXXX XXXX with a balance of {$9800.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX as proof from the US 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 reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX . I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from Experian and XXXX. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. 
SERVICE LOAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has attempted to get me to pay a debt that I settled directly with XXXX XXXX XXXX back in XXXX. In summer XXXX, during a pandemic, they somehow reopened my settled debt with XXXX XXXX XXXX and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.
Product: Mortgage

I have been with Bank of America for XXXX years and all of a sudden they transfer my mortgage loan to XXXX XXXX company which is fraudulent activity because I was making the payments and for the year of XXXX they say that they never received any payments BofA and XXXX XXXX company is trying to foreclosure on the house somehow they neighbors no exactly what is going on at the address in XXXX XXXX Nevada some how it is people that are in my family and friends like XXXX XXXX, XXXX XXXX, they have been paid to lie about me also they have been going into my house without my permission, putting toxic stuff inside the pipes going in my address getting statements there is illegal cameras inside, listening devices, etc. my son XXXX XXXX could be XXXX XXXX. His father is XXXX XXXX my son XXXX only XXXX years of age I dont understand how my family participated with this nonsense but I guess for bribery somehow, and then bribed other family members and friends as well, its very disturbing all this to take my home. I guess Ill make sure that I go in for closure. I dont know. Ive been trying to do a mediation with the company and I havent been successful yet. Its so much stuff going on. Its very sad. XXXX XXXX is XXXX XXXX father. Its so much I just dont understand how this is legal to continuously tow target harass manipulate lie very evil, but with the help of family members and friends, or listening on the phone calls whatever people do would be the only way that you would fraudulently be able to do what youre doing and consistency. I feel like the friends that I thought I had known a whole lot plus family members like my uncle XXXX XXXX my dads brother this is very disturbing and I need help my XXXX older kids XXXX passed away XXXX year ago Im worried about the safety and welfare of my family at the above address pls help us
Product: Credit card

Citibank XXXX keeps calling and hanging up even though all my accounts are current with them. I receive several calls a day on my home and work number that are annoying and harassing even if I do not answer them any more. I have confirmed that my account is current and I continue to receive calls.
Product: Money transfer, virtual currency, or money service

I have used zelle to send my rent for the studio i rent. And come to find out after i have sent the money. The lady says her zelle email changed. But my payment went through. I cant cancel the payment of {$650.00}. Zelle wont let me cancel this transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and disputed these inquiries online on my XXXX credit report several times. I have had success getting these removed from my other credit reporting agencies but for some reason XXXX will not work with me at all I dont know what else to do at this point this is hurting me and my credit. These are the inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/22, and XXXX XXXX. I did not authorize or approve these in at or have any use for them.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing in response to your correspondence dated XX/XX/year>, regarding the charged-off account associated with my name. After careful review of your response, I am compelled to address several concerning issues regarding the handling of this account and its impact on my consumer rights. 

In your response, it was acknowledged that the account in question was charged off, indicating that the debt was considered written off. According to IRS regulations, any charge off is treated as canceled or forgiven debt, which in turn, is considered as income. This action raises XXXX significant violations under the guidelines of all three Credit Reporting Agencies ( CRAs ) : firstly, income is not to be reported on any consumer report, and secondly, a charge off indicates canceled or forgiven debt, which should not be reported if there is no outstanding balance. 

Furthermore, your response indicated that this charged-off account was sold, which further compounds the violations of my consumer rights. If the debt is indeed canceled, as indicated by its charged-off status, how is it permissible to be sold to another entity? This raises serious questions regarding the legality and ethicality of the actions taken by XXXX XXXX XXXX 

As these violations are federally regulated, I demand that this charged-off account be immediately deleted from my consumer report. This will be my final demand before pursuing legal action against XXXX XXXX and XXXX XXXX CRAs for their complicity in violating federal law, specifically 15 USC 1681e XXXX b ), which mandates maximum possible accuracy in consumer reports. Had this requirement been met, it would have been evident that income is not to be reported on consumer reports, as stated on all three CRAs ' websites and guidelines. 

I urge XXXX XXXX to rectify this matter promptly and in accordance with the law. Failure to comply will result in legal action to ensure that my consumer rights are upheld and that justice is served. 

I expect a timely response acknowledging receipt of this letter and confirming your commitment to resolving this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau in XXXX for them to dispute the account XXXX  on my credit report. They sent me an updated credit report only to say that the company reported the account as accurate. I then received a letter from XXXX  advising that they sent a notice to the credit bureaus to remove the account as fraudulent. However the account is still being reported on my credit report. The balance show $XXXX, I am attaching a copy of the letter from XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX XXXX  has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.
Product: Debt collection

I previously disputed this debt, and it was removed from both my XXXX and XXXX credit reports. However, after its removal, it was reinserted into my XXXX report.
Product: Credit card or prepaid card

This is a XXXX XXXX card with Comenity Capital Bank. I paid this card off in full on XXXX. And I was planning to shut this card down and discontinued using it for the remainder of the year. On XXXX a fee of {$2.00} was charged. Then again on XXXX ( {$2.00} ), the again on XXXX ( {$2.00} ), then again on XXXX ( {$6.00} ), then again on XXXX ( {$2.00} ), then again on XXXX ( {$14.00} ), then again on XXXX ( {$2.00} ). On XXXX I received notification of my credit score declining and saw that this card was marked delinquent. I immediately paid {$30.00}. To cover the fees. No one can answer me what the fees are for and they weren't posted until nearly a month after the balance was paid in full. This is immoral and wrong. I'm not as upset about the money as I am the decline in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Delaware account number XXXX is mine. " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. ''
Product: Credit card

Brought my vehicle in for warranty item to XXXX XXXX and was charged a miscellaneous charge on invoice in the amount of {$1200.00} on XXXX/XXXX/16. I disputed the charge with Capitol One credit card and was given credit back on XXXX/XXXX/16. I was rebilled for {$1200.00} on XXXX/XXXX/16 even though the charge that XXXX XXXX charged on my card is in direct violation of our state laws which is New Hampshire. I have given all information to Capitol One in order to uphold the chargeback but they will not give us our credit back.
Product: Money transfer, virtual currency, or money service

Paypal, a company I very seldom us billed me {$110.00} for a service I do not use. I requested a refund to my credit card and they declined it and sided with the seller. I haven't been able to find the seller other than they are in XXXX. 

XXXX XXXX  is my card holder and I have placed a fraud complaint with them.
Product: Credit card

I made an online purchase of {$220.00} for several items in XXXX. I returned them to the store prior to the due date XX/XX/XXXX of my credit card and within a few weeks of purchase. My previous balance was XXXX. I was told Macy 's sells for other vendors on their site and they call it market place in fine print on line with no other details. I should owe XXXX dollars but the clerk said because it is their market place, they ( Macy 's ) would have to mail it back and it could take up to 3 weeks for my credit ( s ) in full. I inquired about my account with a due date in a few days. Basically, I have to pay the Macy 's bill which I do not owe a penny because I returned the {$220.00} in full prior to my due date and within the time limit of XXXX interest. I was told once all of this takes place I would have to call Macy 's, and keep checking back, to have a customer service agent take care of fees. I was forced to pay Macy 's a minimum payment of {$29.00}, I have {$5.00} in interest and a balance of {$38.00} because it's not all mailed back. I am held hostage to a payment I do not owe, my credit tarnished if I do not pay and subject to the mail being on time, and interest fees and then finally calling again to get my refund which could take forever. If Macy 's has an agreement with a Vendor it is between them and not me. I feel Macy 's extorted money from me needlessly and should have provided me with the return credit as do all other stores. I have asked customer service to resolve, sent a message in chat and called with XXXX progress. This is a formal complaint. They have no business hanging my good name and credit over me because Macy 's is a " wan na be '' XXXX. There is no reason for me to waste my time going through the aggravation of getting fees removed when I owe absolutely no money. Bad Business. Bad Practice. Please assist in resolving this extortion policy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

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.
Product: Mortgage

I found my house value it is the same as when i first bought it and have put more money in it than I can sell it for. {$25000.00} my house is 117 years old I have been here 27 years paid all my mortgage payments I refinance in 2001 for XXXX still owe XXXX i feel like I am in a losing battle here. is there hope I can get a reasonable resolution I am paying 9.5 % home insurance is way high i am XXXX is there any good advice on this my income is {$29000.00} I just put in new furnace and roof bathroom electric. I am house poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. Experian displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.
Product: Credit card

Early XXXX I received a credit card bill for {$1200.00}. I did make the charges. The problem is that this credit card company has a habit of not sending the billing to inform the customers of the amount owed. In other words, I did not receive a billing statement for the month of XXXX. This way they add the late fees and interest and hopefully in my case get me to make payments. For years I have paid my monthly balance in full, and they make no interest of late fees from me. How I know this is not a mistake. I called the credit card company and asked if I could have a wavier for the late fee. The agent replied no because I have already been granted a waiver within a year. I then asked the agent how the bill was sent to me, was it paper or electronically. He replied electronically. I instructed the agent that I will pay the bill in full as we speak on the phone once you receive payment close the account. He transferred me to another agent which I gave the same instructions. The new agent I asked the same question, which billing method are you using to send the bills to me. He replied paper. So, I asked how much is the pay off. He replied {$1200.00}, I paid online, and he closed the account. After stealing this company had the nerve send another bill for {$14.00} stating interest. This is how they entrap seniors.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$940.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim identity theft.