23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My son sent me a Visa card for {$75.00} issued by US Bank. He purchased it at a Kroger store in Georgia on XX/XX/XXXX, the the store # is XXXX. I saved it till spring of this year, as I wanted to buy new lawn chairs. 
I went to XXXX XXXX XXXX in XXXX, Mo. on XX/XX/XXXX and it was declined twice. As I researched, I found out other people have had the same problem. I called the number on the back of the card, and was told I had to go to their web site to register the card. As I filled out all the info, including Name, Address, Phone Number, and Drivers License. The web site just sat there and did nothing. I did this several times including calling. I had my daughter try, and she did several times and called, to no avail. I am at my wits end, as this is XXXX XXXX dollars. I am sure this is a scam, and hope this notification helps others in the future. How can US Bank/Kroger do this, and how can you help. 

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

showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute
Product: Debt collection

Express Recovery Services is reporting a collection to my credit report, first without providing written notice. Further, I have contacted the original creditor to inform them of the identity theft. I filed a police report ( Report Number XXXX ). I am also attaching the Identity Theft Affidavit as required per law. 

I am also the Plaintiff in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with other debt collection agencies for the very violations that Express Recovery Services is conducting now . This is my only effort to resolve before amending my civil complaint to add Express Recovery Services as a Defendant.
Product: Checking or savings account

I have been a Navy Federal Credit Union member for several years now. I have been erroneously charged overdraft fees and fees associated with transactions that did not go through due to a low balance. I want to be issued a refund from the Consumer Relief Fund, by Navy Federal Credit Union based on the most recent class action lawsuit.
Product: Credit reporting or other personal consumer reports

TransUnion reported a public record on my credit report, which violated 15 U.S. Code 1681c. This section outlines the requirements for the information contained in consumer reports, including the exclusion of certain items like cases under XXXX XXXX XXXX bankruptcy ) that haven't received a final judgment. Bankruptcies that are dismissed without prejudice are bankruptcies that have NOT received a final judgment. Furthermore, Bankruptcies can not be VERIFIED. Credit reporting agencies, including Transunion, are lying to consumers, stating that XXXX verifies bankruptcies when, in fact, they do not, and neither do the bankruptcy courts, including their electronic PACER public records system. I have also complained on XXXX for providing information that they can not verify!
Product: Credit reporting or other personal consumer reports

I have been disputing the following errors with Experian for 283 days and sent them over 13 letters, with no resolution. They have failed to provide valid proof of debt, investigation results and/or correct the inaccuracies on my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Unverified account. Please UPDATE to never late. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Unverified account. Please DELETE this account from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Unverified account. Please DELETE this account from my report. 

XXXX XXXX XXXX XXXX - Incorrect address. Please DELETE this address from my report. 

XXXX XXXX - Incorrect name. Please DELETE this name from my report.
Product: Credit reporting or other personal consumer reports

For XXXX XXXX XXXX XXXX  open XX/XX/XXXX with a balance of {$9800.00}, I informed all 3 credit bureau and only XXXX complied. XXXX and XXXX and XXXX XXXX have not yet removed the information after several disputes and complaints. 
For XXXX  XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$4700.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For Citicard CBNA open XXXX XXXX XXXX with a balance of {$380.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$720.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX open XX/XX/XXXX with a balance {$23000.00}, I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints.
Product: Checking or savings account

I deposited a check that was signed over to me and the company blocked my account without warning. They didnt even reach out to me. The check was signed over to me as I am the legal guardian of my grandmother who has XXXX. The company just closed my account without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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

Equifax has my utilization at 100 % on my credit cards which is incorrect this is causing my XXXX score to drop please update my utilization immediately and monthly when account balances change it is updated. Please update utilization, I applied for credit and was denied due to utilization on my accounts which were incorrect. I do not owe 100 % on my credit cards account please update immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXXXXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXXXXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX, but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Vehicle loan or lease

I have recently been victimized by Axos Bank. A company suited by XXXX XXXX Attorney at XXXX, XXXX XXXX, Ca. on XX/XX/XXXX for XXXX dollars for unlawful deceptive practices, due to a whistle blower XXXX XXXX XXXX . Unknowingly I refinance my vehicle with this company back XXXX XXXX. Since then, it's been a disaster. My impeccable pay history went from excellent to being critically sabotoged, and destroyed by a 3rd party Online Autopay system called XXXX. On XX/XX/XXXX, I made arrangement with bank to pay a certain amount, made payment as agreed. XX/XX/XXXX they repocessed my vehicle. The calls are recorded, I have recorded times, dates and names of several people, I spoke with in the Special Assets Department in charge of my account. I was referred to you by the State of California Department of Justice, where I submitted my intial complaint. Respectfully yours truly.
Product: Checking or savings account

We are currently banking with Wells Fargo and have been since XX/XX/. Weve had the same issue over and over again with them They keep charging us overdraft fees when we have the funds in our account. 

Also, I keep up with every transaction using my register and I have yet to get it to match up with the balance on my account. 

I dont like it. Its very weird.
Product: Mortgage

Back in XX/XX/XXXX, I purchased my new home from the builder XXXX for {$300.00} and after it. I got in bad loan negative amortization when I did refinance with countrywide I have on that time {$50.00} equity so loan officer closed it and put me in negative amortization loan and never seen my equity and he start hiding from me. I tried to fix it to get back to normal loan because my house had equity at that time but countrywide doesn't wont to do it. After a period of time when I tried to bring my loan to a normal fix rate, the countrywide loan officer didn't answer and was hiding him to meet me. Next year we have a hard time with my wife because she had XXXX and lost her job and i couldn't afford to pay a mortgage because I worked not full time on my work. I tried to call countrywide to fix that problem but they didn't do anything to help us so we have delinquency at that time. I was calling to bank fighting to save our home to make an affordable home loan payment but countrywide no answer on this issue. Throughout this time when the housing market crash was happening, I did not leave my home, I wanted to save my house and was trying to do a home modification with that company but they were not responsive and did not want to help. After the bank of America purchased all of the countrywide  home loans, I started to work with the bank of America to work on home modification and I wanted them to work with me on my loan and help with my negative amortization loan. The delinquency on my loan grew, so in XX/XX/XXXX finally, the bank of America offered me a home modification, but in the modification program they did not offer me a reduction of my principal balance which actually made the situation worse and made the loan that much more unaffordable with {$390.00} of the principal balance. They took all of the countrywide 's mistakes and pinned them back into our loan. I am asking for assistance for helping me keep this home and help work with the Bank of America to reduce my principal balance and give us a fixed rate for this home loan. I already paid back a lot of money to loan bring back {$340.00} but still can not bring to the actual current loan balance. So I ask to help to do Bank of America reduction of the principal balance of my loan to make me affordable payment and make my loan to with fix rate of 30 years loan to keep my house which I actually keep in good condition and I feel as I living not at my home but worse than renting home.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response of your investigation. Even after your investigation, the following incorrect items still remain on my credit report. I request an immediate reinvestigation of these items due to their negative impact on my credit rating. 
1. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX. 
8. The following personal information is incorrect Employers : XXXX XXXX 9. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. Validate Account Account Number : XXXX Please ensure that all information is accurate 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX 16. The following personal information is incorrect Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
22. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
25. The following personal information is incorrect 26. Employers : XXXX XXXX
Product: Mortgage

Complaint on Regions MTG Regions Mtg has raised my monthly payment over {$400.00} for Real Estate taxes. First of all, we have never escrowed our taxes. We were late paying our taxes and Regions sent a letter giving us 30 days. We paid the taxes within that 30 days in XX/XX/2022. Regions paid our taxes again in XX/XX/2022. They said that the State of Illinois is not showing our taxes paid. I sent Regions the paid bill and a copy of the cashiers check used for the payment verifying that we paid our Real Estate taxes XX/XX/2022. Why are they charging us for their mistake? Is that legal? 
We received two payment increases : One time to force us to escrow our taxes going forward ( a little over {$200.00} ) and another increase ( a little over {$200.00} ) to make us reimburse them for paying our taxes in error. Regions is forcing us to escrow. I asked to see documentation and they said that If we default in our Real Estate Taxes, Regions has the right to force the escrow. We NEVER defaulted in our taxes, however, paid them late. Is this legal? And, why should we pay Regions back the amount of our taxes they erroneously paid the State of Illinois, when we already paid them? Is that FAIR? 
Our Mortgage balance with Regions is a little over {$6000.00} and they have raised our payment from {$430.00} to more than {$800.00}. That is at least a 75 % increase. How can they force us to cover their mistake? I think Regions is trying to cover up their mistake. Talk about UNFAIR, DECEPTIVE, OR ABUSIVE PRACTICES. 

Mortgage Loan in the names of XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Hello my name is XXXX XXXX XXXX. I have file dispute against this company called LVNV Funding LLC Account No. XXXX on XX/XX/year> and I did another dispute on XX/XX/year> I have explained to the credit bureaus to XXXX this account was not authorized by me of whoever was using my information did not match the address, and I have tried to explain to XXXX that this account is not mine and they refuse not to remove it from my credit report I was going back XXXX forth with XXXX with my dispute letters and also made a police report that this account LVNV Funding LLC # XXXX is not authorized by me. And also I was checking I have ask them to please remove the names as it show two name and two same address This is my legal name : XXXX XXXX XXXX This is my address : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Im afraid that I might be subjective to identify theft. Im requesting the following information to be remove from my credit file. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX advised unknown and unconsent credit inquiry from OneMain Financial through 3rd party, XXXX XXXX, as of XX/XX/2021. As of XX/XX/2021, reached out OneMain Financial to take down {$4000.00} online load application from unknow identify theft through XXXX XXXX, and filed report as fraudulent transaction. 
XXXX has set up fraud alert to me. OneMain Financial is supposed to send petition letter to XXXX for this unconsent credit inquiry.
Product: Credit reporting or other personal consumer reports

In accordance to FCRA, this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I may presume that no proof of the alleged debt exist. 

DPT EDXXXX account number XXXX opened XXXX DPT ED/XXXX account number XXXX Dpt edXXXX account number XXXX Dpt EDXXXX account number XXXX DPT/XXXX  account number XXXX DPT/XXXX account number XXXX DPT/XXXX  account number XXXXXXXX  15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account THD/CBNA, XXXX XXXX XXXX XXXX HAS VIOLATED my rights.

15 USC 1681 Section States I have the right to privacy.

15USC 1681 Section 604 2 : its also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not teat a payment on a credit account under an open end consumer credit plan as a late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXX XXXX  HAS XXXX XXXX XXXX and mortgage fraud and identity fraud. XXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed against Experian in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX , & XXXX XXXX XXXX XXXX, with Experian on four different attempts to correct their inaccuracies. However, Experian have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Experian claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,
Product: Credit card or prepaid card

A Fraudulent electronic purchase via mobile phone for 2 items was made on XXXX XXXX, at XXXX XXXX by using my Discover card. The purchase was made in TX, XXXX for {$1800.00} Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier ( XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX XXXX NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location 2 items were returned to XXXX XXXX at XXXX location on XXXX XXXX and exchanged on the same date for XXXX Products XXXX {$1800.00} Summary : Discover card was credited by " XXXX XXXX '' with the difference b/w the purchased and exchanged items for amount of {$1.00} and now is charging me, as a card holder, for the rest of amount = {$1800.00} Actions that were taken by me : XXXX. Dispute charges were initiated with Discover card 3 times. Case is closed XXXX. Discover card was cancelled XXXX. Police report was filed for XXXX XXXX  / ID theft XXXX. Opened 3 cases with XXXX XXXX- did not get approval for refund
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX acct XXXX # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to

privacy. 15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an 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. 1682s-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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : N/A Account name : XXXX XXXX  Account number XXXX XXXX