23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... 

When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... 

I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. 

If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ...
Product: Checking or savings account

In XXXX XXXX I was a victim of Identity theft. I saw on my credit report that the perpetrator opened a XXXX XXXX account under my SSC information on XX/XX/XXXX. I filed a FTC Identity theft report and sent it along with a letter to XXXX XXXX requesting they close the fraudulent account immediately. I also followed up via 2 phone calls directly to XXXX XXXX. My complaint was taken and I was told it would be sent to their fraud investigation dept. and I would be contacted. I was never contacted and I know the account is still open. In fact I received a letter on XX/XX/XXXX telling me to activate my new Debit Card. It is a fraudulent debit card!!!
Product: Credit card or prepaid card

I had a Capital One card for years and I asked them to take off the monthly fee that I had been paying for years and they refused so I paid the entire amount of {$1400.00} off on XX/XX/2020 and closed the account. Now they are saying that I owe another {$18.00} for interest even though I paid the entire amount due. I called Capital One and spoke with two people, one told me here was XXXX, and I can't remember the first ones name, but XXXX went into a long reason why I was still paying interest. I told her that with this system I would be paying interest forever and I don't think it is legal and if it is, it shouldn't be. When something is paid in full that should be it!!!!!. Please explain to me how and why they can do this. Please publish this because I am sure the consumer is not aware that they are being charged interest even though they don't owe anything anymore.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Other Closed {$380.00} Reported XX/XX/XXXX XXXX XXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX XXXX Charged off Closed {$480.00} Reported XX/XX/XXXX XXXX XXXX  On time Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX time XXXX {$0.00} Reported XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX time Closed {$0.00} Reported XX/XX/XXXX XXXX Charged off Closed {$17000.00} Reported XX/XX/XXXX XXXX XXXX XXXX Missed payment {$310.00} Reported XX/XX/XXXX XXXX Missed payment {$770.00} Reported XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation of the 15 U.S.C 1681. I am a natural person. I am a living human being and as a consumer, I have rights under 15 U.S.C 1681. 

Equifax is govern by 15 U.S.C. and has violated my rights numerous times. 

I demand the following : 1. Accounts listed below to be REMOVED/ DELETED IMMEDIATELY 2. For EQUIFAX to ADD A BLOCK that will prevent the accounts listed below from being added back into my credit report. 
3. REMOVE / DELETE ALL inquiries ( hard and soft ) I DID NOT GIVE ANY WRITTEN PERMISSION TO EQUIFAX to furnish any of these accounts nor to add any inquiries in my credit report. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX My request is made because according to 15 U.S.C 1861 : I have the right to privacy 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
2. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
4. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
5. XXXX XXXX XXXX XXXX : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
6. XXXX XXXX : XXXX : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}. 
7. XXXX, Trans Union, XXXX, XXXX : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score. 
8. XXXX, Trans Union, XXXX, XXXX : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score. 
9. XXXX, Trans Union, XXXX, XXXX : Each are under reporting my available credit. 
10. XXXX, Trans Union, XXXX, XXXX XXXX Each are not reporting my XXXX XXXX Credit Card Account with an available balance of {$4000.00}. 
11. XXXX, Trans Union, XXXX, XXXX : Each are improperly reporting a Chapter XXXX Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$750.00} ; XXXX  XXXX Balance : {$460.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Checking or savings account

I have been denied claims for unauthorized transactions and Bank of America failed to conduct a proper Error investigation. They denied my claims for a XXXX unauthorized transfer stating that I was scammed of my money and not fraud. And now that XXXX XXXX implemented for scammed victims reimbursement quick to disregard stated they never heard of policy. The bank continues to be Non compliant with Consent Orders and has not given any Redress to harmed affected consumers. Bank of america NA have failed to protect accounts and continues to abuse consumers account with their deceptive practice. They violated consumer legal rights and laws.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are being reported on XXXX and XXXX with one erroneous 90- day late payment in XX/XX/2019 ; there are no prior late reporting and my loans were in deferment at the time. I have tried on numerous occasions to dispute the items on my credit report, but there is no change to the reporting that addresses this specific issue. The loans are all broke down separately, so it shows as 19 separate 90 day late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : 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: Student loan

I initially applied for an income driven repayment plan ( IDR ) over 6 months ago. During that that I have contacted customer service at least 3 times to address this problem and was recently put on forbearance and was told the payment plan would be processed " in about a week ''. My forbearance is now ending with a payment that is three times what my expected payment should be. I contacted Mohela today, XX/XX/XXXX and was told there is no recourse and that there is no information available regarding my very, very delayed processing time. 

IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX
Product: Mortgage

We fell behind on our mortgage and signed up and were approved for a hardship program. During this time, they reduced our payment to XXXX, down from XXXX. We were told to do a loan modification while we continued with this payment amount. Huntington never reported any of my payments, causing my credit to drop drastically. Now they are stating that I am behind several months because the amount I was paying would not cover the amount due. The loan modification terms just become official this month but they never even discussed the terms with me. Every time I tried to contact them, they said they were behind due to covid. My bank shows payments every month but they did not report. 
In addition to the credit reporting, my new loan was nearly 25k higher than the original and my payment didn't decrease to what they said it would be. They have added almost 40k worth of late fees. Noone will talk to me to break this down. I've attempted more than a dozen times but always get the run around. The gentleman in charge is named XXXX XXXX. He has never contacted me. The terms of the new mortgage were sent out XXXX weeks ago and I had XXXX days to accept. I accepted put of fear of losing my home.
Product: Debt collection

Good Afternoon ; I was actually shocked over the weekend to find a 2 new medical collections from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on XX/XX/2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$240.00} XXXX XXXX  Balance : {$9300.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

For the last XXXX years, every morning, XXXX days a week, at XXXX Ocwen calls the above number. We do not answer because we have a representative that is handling all communication with the lender. Ocwen has been instructed a number of time to please contact that representative, but continues to call every morning even though our representative has been in contact with them on a weekly basis. Ocwen never leaves a message. They call repeatedly in the mornings. One call after another, then they attempt to reach me on my cell phone from an unlisted number throughout the day, and do not leave a message. Yesterday, morning, XXXX/XXXX/2015, I answered the phone. I let them know that I have written a letter to the XXXX of Ocwen regarding our situation. I said I would not speak to anyone until I received an answer to that letter. I asked that they not call again, or I would submit a harassment report. The calls continued throughout the day and again this morning.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent {$1500.00} through the Zelle add-in on my mobile banking app, XXXX XXXX. 

I sent it to a person with a Zelle account that is NOT through their bank. 

Once the intended recipient didn't receive the funds, I called Zelle, who informed me that they can't help because it was through my bank app. The recipient has no receipt of the money within their Zelle app, but my bank statements do have the receipt. 

I have now opened 2 or 3 different disputes with my bank for this amount as well, with no update or anything coming from my bank. 

Given the time period, it has been frustrating - I had waited a more than appropriate amount of time before complaining again and then before sending in this comment as well. 

I can also provide photos of the intended recipient 's empty Zelle account as well.
Product: Debt collection

In XXXX a man arrived at a residence that I do not reside at and informed the person there that he will serve me or tape the summons to the door. I then received another letter from the Supreme Court in the mail last week and a copy of the lawsuit from the lawyer of the company. This company is not on my credit report, I have never heard of this company or this debt. I attempted to call the lawyer to discuss this and was told I had to pay the full amount right then to stop legal action or pay half and then the other half in two weeks. They are threatening to garnish my wages and have not responded to any questions on verification of debt.
Product: Credit card

After being a customer for well over a decade, the company embedded hidden fees that they did not disclose close to the customer ; particularly sneaky as it's through the XXXX XXXX application. 

There was an old policy that a transaction at a brick and mortar casino is considered to be a cash advance. 

A transaction was made through an online platform that does not have a brick and mortar, casino, component, has social games and other products. This was done through XXXX XXXX where I've made dozens of other transactions all without any fee. 

Since this transaction went through XXXX XXXX, there was no indication that it would be considered a cash advance. 

The company did not disclose this rather the customer had to wait over 30 days to see it on a statement listed as such. 

Upon contacting the company, they had no explanation for why a transaction through a Wallet platform for a company that is not a brick and mortar casino would be considered a cash advance. 

Not only was this charge charged 10 times for a total of {$100.00}, but the company continues to try to collect interest on top. 

Again, their policy talks about a brick and mortar casino as a cash advance, which is understood, but this transaction was made to XXXX XXXX to an institution that has multiple products and services, but hes not a brick and mortar Casino. 

This is unethical on JP Morgans part and intended to increase their profits. 

I am a XXXX and can not afford to waste {$100.00}. Had J P Morgan indicated that this would be considered a cash advance I certainly would not of made this transaction much less 10 of them.

Im seeking full restitution as well as additional compensation for the time that I have put into this.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.

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

XXXX XXXX ( Creditor ) Incorrectly Billed Me For Months, When I Canceled My Autopay because I thought the balance was XXXX, the XXXX XXXX ( creditor ) reports late on my creditor report. The credit later reverse incorrect charges that would have made my account balance zero during the period they are report as late however, refuses to remove the late mark from my credit report.
Product: Credit card

An annual fee was added to my account. I never received the monthly paper bill, email, text or call that fees were applied to my account. Since I was unaware the fee was applied to my account, late fees were then added. I was not contacted from Capital One. I called asking when they attempted to contact me since a late fee was added and they could not provide any times an agent or automated line attempted to contact my account.
Product: Debt collection

There is a collection from a company called Professional Debt on my credit report that is trying to collect {$5300.00} for an apt XXXX XXXX XXXX XXXX. I have repeatedly requested proof from the collection agency and they have not been able to provide nay. I asked the bureaus for verification of the debt and only come back with its 'verified '. I went as far as to go directly to XXXX XXXX XXXX asking for my files or some kind of itemized list for these charges. They too were unable to provide me with any information. I did not break the lease, I did not leave the apartment damaged or dirty, I even think I got my deposit back.