23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have Medicaid and Medicare and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is
Product: Mortgage

I received an email on XX/XX/2023 from my Loan Servicer Mr. Cooper in a form letter that was also sent to thousands of others stating that on XX/XX/XXXX Mr. Cooper became the target onf a Cyber security incedent. the letter went on to state that Mr Cooper took immediate steps to lock down their systems in order to " keep your data safe ''. 
The rest of the form letter went on to state that as a parent company they are working as to fix the issue as quickly as possible ; and that I would not in cur any fees, penalities, or negative credit reports. There was a link alsop given and I was encouraged to visit the site. 
Today however they have released a memo stating that one can make their mortgage payment via phone mail one-time web payment XXXX XXXX or a XXXX 
Due to my age ( XXXX ) a fixed income and all of this inconvience I am relunctant to do anything other than use the US mail and write a check ... ... .will there be anytype of retrobution to all of us that were affected? What about mine and all others personal information ie credit and bank accounts that may or maynot been compromised? 
XXXX XXXX
Product: Prepaid card

the dispute was filed so long ago i dont recall each transaction or amount of each transaction but the disputed amount is for {$3100.00} and was filed all the way back in 2021 and my claim is still yet to be resolved. i've submitted all documentaion thats been requested from me and have called countless times as to the status of my claim and each time all they say is we can file a complaint on the timeframe of the claim but that obviously isnt dong any good because wer 're going on 3 years with no resolution to the claim
Product: Checking or savings account

1 ) 53 CLOSED MY ACCOUNT 3 WEEKS AGO WITH {$19.00} AND NEVER MAILED CHECK. 2 ) {$100.00} IS DUE ME. 3 ) {$10.00} OVERDRAFT FER IS DUE ME SINCE I DONT HAVE OVERDRAFT PROTECTION.
Product: Mortgage

I called my mortgage servicing company on Monday, XXXX XXXX to see about options for the coronavirus situation. My household is down one income from two now, and most unemployment is being taken for child support so we are barely getting anything from that. The only thing they will do is defer payments for 90 days and then its all due, in my case {$4700.00}. If I dont have the income coming in, then I dont have anything to save up towards paying this huge lump sum in 90 days. As a XXXX Im always struggling anyways! Congress needs to do something to force mortgage companies to not do stuff like this. Tack it onto the end of the loan, that would be better than this! Millions are going to end up losing their homes! The worst day was when I was notified some years back that this company was taking over my mortgage. Ive lived in my home since I graduated from college at the age of XXXX. Im now XXXX. Since this company took my mortgage over, Ive had my payment amount just go up and up over the years. Ive had to work with them before on being unable to make payments as it is as as XXXX and now in this horrible time its going to be worse because they are offering no kind of relief, instead just a plan for failure because who is going to be able to pay thousands in a few months when their income isnt coming in!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX {$490.00} XXXX  XXXX {$87.00} XXXX   XXXX {$78.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally reporting and requesting for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXXXXXX 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: Credit reporting or other personal consumer reports

I was working as a XXXX with a partner who began to do bad deals and I walked away from him and that journey on XX/XX/year> I asked for the money I was promised to receive for my work but was never given, so therefore I had to miss my payment of {$460.00} to XXXX XXXX XXXX. I called XXXX XXXX XXXX but I couldnt get an extension, I also called the 3 credit bureaus to remove that late payment on my credit report but I was denied and some times I heard nothing back from XXXX, XXXX, Equifax, and XXXX XXXX XXXX
Product: Credit reporting

I SEND A REQUEST TO EXPERIAN FOR A COPY OF MY CREDIT REPORT, THIS IS THE BUREAU I HAVE CHECKED FOR ANY INACCURATE INFORMATION THE FEWEST TIMES. AFTER REVIEWING MY CREDIT REPORT I NOTICED AND ACCOUNT ON MY REPORT UNDER THE NAME "XXXX" I HAVE NO IDEA WHAT THIS COMPANY DOES, NOR HAVE I EVER HAD AN ACCOUNT OR DONE BUSINESS WITH THEM.  IT IS LISTED AS A BUSINESS ACCOUNT, WHICH IS STRANGE BECAUSE I HAVE NEVER BEEN A BUSINESS OWNER.  I DISPUTING THE ACCOUNT, THINKING IT WAS A MIX UP AND WOULD BE REMOVED. I RECEIVED THE RESULTS OF MY DISPUTE TODAY. WITH THE ANSWER BEING "ACCOUNT REMAINS" I CALLED EXPERIAN  IMMEDIATELY AFTER SEEING THIS, AND ASKED THEM WHAT KIND OF INFORMATION DID THIS COMPANY PROVIDE THEM TO VERIFY THIS WAS MY ACCOUNT, THE ANSWER I RECEIVED WAS, WE CALLED AND THEY SAID IT WAS YOUR ACCOUNT?"  I FEEL LIKE EXPERIAN WAS LAZY, AND DID NOT COMPLETE ANY TYPE OF INVESTIGATION TO VERIFY THIS WAS MY ACCOUNT, THEY COULD NOT EVEN TELL ME THE BUSINESSES NAME THE ACCOUNT WAS SUPPOSEDLY OPENED UNDER! IF YOU COULD PLEASE DO WHAT YOU CAN, FOR EXPERIAN TO INVESTIGATE THIS AND COLLECT SOME KIND OF PROOF BECAUSE THIS IS NOT MY ACCOUNT.
Product: Credit card or prepaid card

I opened a samclub card in XX/XX/2022. I used it and charged XXXX and then paid it in full before the due date. I finally get my card amd went to use it amd them told my account was closes. I have had synchrony cards in the past and they are known fir this action. Thy will just randomly close your cards saying you are a risk of not paying. Funny how can you be a risk of not paying when you are paying your bills on time. I have seen this complaint on different complaint boards but this time I wanted to put the complaint in on my own.
Product: Checking or savings account

We were the victims of check fraud. Truist bank posted the fraudulent check to our account, and then a few days later rescinded the money. We were not aware of the fact that the check was fraudulent. We became aware after the funds were posted and we made a XXXX transfer as part of hiring for a job application. Once the funds were transferred, the contact person with the company began asking things from us that shot up many red flags. 

We immediately went to the bank and to the police. A fraud investigation was launched, and that account was frozen, for obvious reasons. However, we had a mortgage payment coming due in a couple of days, a payment that is on auto draft, so I had to borrow money from my mother to make our payment for the month due to all of this and the missing funds. I deposited the money into our other checking account, the one specifically for bill payments and the one unaffected by the fraud case. 

After depositing the money, Truist closed all of my accounts without notice, canceled my cards, and caused my mortgage payment to bounce. Now my account is closed, no anticipated timeframe for when the issue will be resolved, and they are unwilling to help me to make my mortgage payment. I am in a position where I will be delinquent on my house payment and possibly lose my home due to them confiscating my account and my funds. 

We are victims of fraud, and I had confidence that Truist would stand by me after all these 12 years with them, however instead they have closed my accounts and are kicking us to the curb.
Product: Credit reporting or other personal consumer reports

To CoreLogic Credco you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX account XXXX and since that time the XXXX  from XXXX XXXX XXXX XXXX XXXX he cash XXXX chase escrow account checks in my name and I reported as Forgery XXXX detective XXXX XXXX XXXX. Tradelines - XXXX XXXXXXXX XXXX Resolve XXXX and NY XXXX XXXX Dated XXXX. 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX on XX/XX/XXXX at XXXX from XXXX spoke XXXX minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose
Product: Payday loan, title loan, or personal loan

Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax five ( 5 ) times on XX/XX/2023. I requested information on how they calculate utilization and how many of my accounts are involved in the calculation. 

The multiple representatives I spoke to on XX/XX/2023, could not give me an answer, and they did not know Equifax 's definition of utilization. 

Based on 15 USC 1681a 2 ( A ) ( i ) -- EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any -- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My goal with speaking to the representatives at Equifax was to understand how this metric was calculated. 

Utilization is an experience I perform with using my credit.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX, at approximately XXXX XXXX  - XXXXXXXX XXXX  I contacted bank of america and spoke to a woman in Texas. I told her very clearly to transfer {$14000.00} from credit card ending in XXXX to the card ending in XXXX. Despite my repeated attempts at communicating this, she still somehow managed to mess up and transferred it the other way around. Because of this, I had to clarify how she transferred incorrectly and the call took more than 30 minutes longer and likely had multiple inquiries within my account because of the representative 's mistake. I would like these inquiries removed from my account as I should not be penalized for them, despite my many attempts at clarifying the transfer, the representative still managed to mess up. Please feel free to check the call log and check the recorded call to see how this unfolded.
Product: Credit reporting or other personal consumer reports

I took out an auto loan in XXXXXXXX XXXX XXXX, The loan is showing up on other reports as 100 % paid and for id verification, which verifies it is part of public record. The lending company has submitted my documents 3 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. XXXX, XXXX, transunion credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records. I will include documents showing the account has been paid in full since last XXXX XX/XX/2022 & still not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm impacted by the recent Equifax breach. My information is available to whomever obtained this data. They knew about this issue for 3 months and barely made people aware of this. This is not acceptable.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
This is more than XXXX XXXX XXXX and should be deleted. 

XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - {$24000.00} Closed Overview You have XXXX  % left to pay on this loan. 

Balance {$24000.00} Highest Balance $ 45470 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian emailed me offers repeatedly to try their product ... 

Experian Boost* Instantly raise your FICO Score for free. Over 1 million Americans have boosted so far! 

I did not respond. 

Then I get an email notifying that my score dropped approximately 30 points to believe the average then reduced is about XXXX. 

Experian said increased usage. True, a veteran in government service with XXXX, I moved from Virginia to California ; accordingly, monthly balance for one month, which I paid off when due, increased from about $ 1k to $ 3k for one month. 

It appears that my score dropped to entice me to use the Boost product to restore the prior, high score. 

I froze/locked all three. 

How can the credit rating reduce my score in middle of pay period given a history of paying off card balances at end of each month? 

It appears that one or more of the credit agencies are manipulating scores to coax customers into adapting use of agency products. 

? 

Thank you. 

XXXX
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This is a deprivation of my rights and a violation of my privacy, as well. This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and fraudulent credit inquiries listed without my expressed written consent.
Product: Checking or savings account

XX/XX/2023 I woke up and saw a mobile deposit in my account that I did not recognize or authorize but before any of that I had a balance of XXXX in my account when I woke up Friday morning I tried to make a withdrawal at truist bank and they told me I couldnt
Product: Debt collection

In XXXX of XXXX, Bank of America reported an open mortgage account on my credit report and listed the account as going into foreclosure. This account has already went into foreclosure and the final judgement and property sale were complete in XXXX, XXXX respectively. I have contacted Bank of America Customer Service XXXX on several occasions and told them that this account has already been resolved and that they actually own the property. At first they lied to me and told me the final judgement had been thrown out and that the case was going back into foreclosure, I asked for proof and never received anything. Twice during conversations I was escalated to a supervisor and was given a fax number to send in my documentation, both fax numbers did not pick up or allow me to send my documents XXXX XXXX / XXXX XXXX so I mailed them a copy of the final judgement and the notice of sale. I want this corrected and off my credit report, and after 5 calls to Bank of America to resolve this I have no confidence that further communications with them will resolve anything
Product: Checking or savings account

I opened a Citi savings account in XX/XX/XXXX with a {$450.00} promotion for depositing and maintaining a {$50000.00} balance. The terms stated that i had to retain the {$50000.00} for 60 days, then the {$450.00} would be paid within the next 30 days. 
After the 60 day period passed, and the 30 day waiting period passed, i did not receive my bonus. 
I reached out to Citi, who told me that i'd receive the bonus in 2-3 days. That didnt happen. 
I then reached out and was told that my 30 day waiting period ended on XX/XX/XXXX, so i'd receive my bonus then. That also didnt happen. 
I was then told my issue was sent for review and that i'd receive a response in 5 business days. That also didnt happen. 
I was then told that the team reviewing cases that typically have a 5 day XXXX were on a backlog and that there was not a clear timeframe that could be provided.
Product: Debt collection

Automated calls are often and repeated, it states they are from Bank of America, they are looking for an XXXX and XXXX XXXX who have never lived here or have had my number. I have had the same phone number for 15 years. 
One I did speak to a live person and informed him those people do not live here and the calls stopped for a while, today alone, I received 5 calls it was automated, it states if I am not XXXX or XXXX to press 2, I did press 2 and nothing happened, so I hung up, as soon as I hung up, they called again, same message, I continued pressing 2 to show I am not them, still the calls continued to come in. This is not only an annoyance, it is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously, has caused financial injury and defamation of character along with 60 plus days of no response
Product: Credit card

I am a credit card holder of the retail department store Macy 's. For more than four years I have held the " Macy 's Star Rewards '' credit card. I have an excellent payment record and credit limit of {$10000.00} with this particular card. The Macy 's card program seems to be managed by Department Stores National Bank. 
While shopping on Sunday, XX/XX/2016 at the Macy 's XXXX Mall location in Pennsylvania I was offered a XXXX percent discount if I " upgraded '' my current Macy 's account to a Macy 's American Express account. I accepted the offer as it was explained to me and completed my purchases. I received the new American Express Macy 's card in the mail and even discarded my old card under the impression that the American Express Macy 's card is my new card. I made additional purchases with this American Express card, again believing this was my one and only Macy 's account. After receiving XXXX Macy 's credit card statements within the past month with different due dates I contacted customer service and it is brought to my attention that this is not one Macy 's account, but XXXX separate accounts that I now have with Macy 's! I asked the customer service representative, assuming they are also a fiscally responsible individual, why would I ever open a second Macy 's credit account with a 25 percent interest rate and no balance or transfer offers, when I currently have an account with Macy 's with more than a sufficient amount of available credit?! I believe I was absolutely taken advantage of by what I experienced by the sales representative in-store having access to my financial information and very easily setting up a XXXX account with misrepresentation and miscommunication of a promotion. This practice was fraudulent, unethical, and takes advantage of creditworthy and financially responsible individuals.
Product: Checking or savings account

On XX/XX/2024 a new bank account was opened USAA without my consent using my social security number. Called the company on XX/XX/2024 when notified via XXXX  that an account was opened using my social security number they have reported it to their fraud department. Waiting for information regarding the account being closed and for further activity.
Product: Debt collection

On XX/XX/2021 sent out an Affidavit of Truth to IC SYSTEM which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.