23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Lost my income due to XXXX in 2021, there was insurance to cover the loan in the event of XXXX. Company sent account to collections although the insurance was making the payments. 15 us 1681 b in accordance with the written instructions of the consumer to whom it relates. adverse item
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

My mortgage company forced a homeowner 's policy on my account EVEN THOUGH I HAD PROVIDED and maintained coverage. They increased my monthly payment and opened an escrow account without my knowledge or approval. Since I was on a paperless plan, all of their communications were going to my spam folder, and I was unaware of all this for a period of 3 months. They have sensed reduced my payment back to the original amount, credited my account for the unnecessary forced homeowners policy, however they refuse to refund the balance in the escrow account I never requested nor was aware of. The representative, " XXXX '' who is handling my case called today and informed he he was " extending the case '' ( for the third time ). He refused to give me any explanation and also refused to let me speak with his supervisor. Since they have already reduced my payment AND credited me back the policy premium, there is absolutely no reason to delay refunding my escrow balance. It was been almost 45 days and he originally promised me that the case would be closed by XX/XX/XXXX. He extended it to XX/XX/XXXX, and now again until XX/XX/XXXX. The only possible reason is that they are keeping my money to earn interest. I therefore demand that they add interest for every additional day they refuse to refund my money. 

XXXX XXXX XXXX
Product: Consumer Loan

We leased printers from US Bank. US Bank Equipment Finance continues to bill us for months past the lease and refuses to provide return instructions until we paid for months for which we were not contracted and did not use the equipment. 
We sent our termination letter in XXXX XXXX as the contract prescribed. The contract terminated on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, US Bank has still not provided return instructions as the contract prescribes. 
US BANK - XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Fax : XXXX Tel : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting 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.\ and list of Inquiries. 

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: Checking or savings account

On XX/XX/23 my business savings account was deducted {$810.00} due to an over drawn personal checking account. Then my business checking account was frozen because of personal accounts that were written off. As I stated with the bank that it was illegal to mix personal funds with business funds and to lock me out of my business funds to pay for personal expenses made not sense. XX/XX/23 I contacted the bank again and was told to make payment arrangements on the personal accounts, which I did and then I was told by the bank that they would not unfreeze my account until all the personal accounts were paid off. I make rent payments and employee payroll out of my business account and now can not do anything due to personal account issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus XXXX, XXXX, and TransUnion without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While TransUnion lists one late payment, XXXX indicates two, and XXXX reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX XXXX is the College attended XXXX XXXX, XXXX U.S Department of Education/XXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX XXXX is the College attended. XXXX XXXX, Mo
Product: Checking or savings account

I do not have an overdraft protection account with Bank America or have I signed authorization which gives them authorization to pay merchants for funds that is not available in my account. 
On XXXX XX/XX/2019 There was a merchant item processed for {$130.00} Bank of America paid the item without funds being available. Per my knowledge and history with Banking when there is insufficient funds the item should be returned to the merchant based on insufficient funds and the bank charges their customer an insuffient funds fee. unless there is a signed agreement with the bank to pay when funds are unavailable
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Mortgage Reporting by XXXX XXXX Transunion Dear CFPB, I am writing to formally file a complaint against XXXXTransunion for the continued reporting of inaccurate and unauthorized information related to my mortgage account with XXXX XXXX XXXX Despite multiple attempts to resolve these issues directly with XXXX, they have failed to take corrective action, resulting in significant harm to my credit profile. 

Summary of the Issues : Inconsistent Reporting of Account Opening Date : XXXX has inaccurately reported the date on which my mortgage account was opened as XX/XX/XXXX, while another credit bureau has reported XX/XX/XXXX. This discrepancy has not been corrected despite my providing evidence of the accurate date, which is XX/XX/XXXX. 
Incorrect Date of Last Activity : XXXX has reported the date of last activity on my mortgage account as XX/XX/XXXX, while another credit bureau reports it as XX/XX/XXXX. This inconsistency affects the reporting period and, ultimately, the duration for which this account impacts my credit score. Despite my dispute, XXXX has yet to rectify this error. 
Inaccurate Payment History : The payment history reported by XXXX for the account in question is inaccurate, particularly for the months leading up to XX/XX/XXXX. The discrepancies in the payment history between the credit bureaus for this period have led to a misleading representation of my payment behavior, which is detrimental to my creditworthiness. 
Violation of Permissible Purpose Under FCRA : XXXXTransunion has reported this mortgage account without my explicit authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reports may only be furnished under specific permissible purposes, none of which apply here, as I did not provide written consent for this account to be reported. 
Previous Efforts to Resolve : I have made several attempts to address these inaccuracies directly with XXXX, including providing them with supporting documentation to verify my claims. Despite these efforts, the inaccuracies remain on my credit report, and XXXX has not taken the necessary steps to correct or remove the erroneous information.
Product: Debt collection

Credence Resource Manage at XXXX XXXX XXXX XXXX, XXXX Texas, XXXX has been sending me collection notices in the amount of XXXX. The collection has been listed as past due. I do not know this company. I have never done business with this company. This compliant does not have a contract with my signature on it.
Product: Prepaid card

XX/XX/XXXX To whom it may concern at Bank of America regarding my claim # XXXX account ending in XXXX claim amount {$31000.00} I XXXX XXXX am a victim of identity theft, and I did not make these ( charges or withdrawals ). I am requesting that the ( charges and withdrawals be refunded and reinstated ), that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am asking for my account to be fixed and my claim reconsidered and investigated thoroughly clearly truthfully and I be treated as a customer not a criminal. the card that was sent to my address was never in my possession. Somebody stole it and used it without my permission or knowledge therefore making it a crime of identity theft. The bank did not have any security on the cards at that time and I believe lost a lawsuit and was ordered by the judge to refund return and fix people 's accounts from Bank of America associated with the XXXX. So therefore I want to be treated fairly and under the judges orders lawfully to have my account returned to the way it was before my card was stolen. it took the bank over 2 years to notify me of my missing card in my account once I contacted them when they sent a new card that I had no knowledge of. I contacted them the day I received the card and reported the fraud that day as soon as I found out. 
if my claim is not reconsidered fairly and correctly I will be forced to take legal action and take this case to the news and report the bank for not protecting me a customer and treating me as if I did something wrong when they should have been protecting my account monitoring these crazy withdrawals and purchases and spoke with me instead of just letting it happen and now not doing anything to help me recover my lost money. 
I XXXX XXXX have never received or used or given permission for anybody to use my information or anything of my identity to use a card sent by Bank of America. I want a victim of identity theft reported in XX/XX/XXXX to the XXXX informed by the lap that somebody was using my identity and had my mail in their vehicle upon their arrest. The mailboxes at my address have been broken into previously during and after the dates mentioned in my complaint it's an ongoing problem XXXX theft identity theft bank fraud in the area that I live in XXXX California I am clearly a victim of identity theft and would like the bank to reconsider my claim.
Product: Mortgage

I am a retired senior citizen living on a fixed income. I make my mortgage payments every month to Fifth Third ( 5/3 ) Bank. In XX/XX/2021, my city substantially increased my summer and winter taxes causing my mortgage payment to be much higher. Because I receive the larger portion of my income later in the month, I am not always able to submit my mortgage payment on the first of each month or during the 15-day grace period. My payment is made on the XXXX of each month or 2-3 days after this date. Nevertheless, the payment is made every month. On the XXXX or the XXXX of the each month, I start to get harassing phone calls from 5/3 Bank. I get a call once every morning and sometimes twice a day up until the day that I make the payment. In addition, I receive email messages regarding my account needing urgent attention. I have explained my situation to 5/3 Bank twice and I have asked if they would change my mortgage payment due date to the end of each month. They have refused to change my due date, I am paying late fees and I am still getting harassing phone calls. I'm a senior on a fixed income and I pay my mortgage every month. My mortgage is the first bill that I pay every month. It is hurtful and stressful that 5/3 Bank calls me every morning ( sometimes waking me up ) considering I have asked for for their help with changing my payment due date. They would rather call me and harass me every day and charge me late fees. I would like 5/3 Bank to have some empathy and allow me to change my mortgage payment due date to stop the late fee charges, email notices and harassing phones calls.
Product: Checking or savings account

On XX/XX/XXXX thru Bank of America I tried to make a payment to XXXX.It was returned for NSF. Another attempt was made XX/XX/XXXX but XXXX said it was not received. With the '' help '' of the branch managers & online services a dispute was filed. At first a credit was made to my account but then this was muddled and my account was debited. Another attempt was made and once again the account was credited, this time " permanently '' about XX/XX/XXXX. both in letter and e mail messages. Biut not only was this rescinded but money waa taken from XXXX. Everyone at BOA that I have contacted has been completely both inept and indifferent to any real customer service. Although this affects my account this is BOA 's problem and they must fix it. Fortunately this revolves around a {$120.00} payment but BOA 's response is the bigger issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my free annual credit report from XXXX, XXXX, and Equifax through the XXXX website. I received my reports from both XXXX and XXXX   without incident, however, I did not receive a report from Equifax. Rather, I was sent a letter from Equifax stating that they need additional information to verify my identity and address. Per the letter, they need 2 pieces of information from me : 1 ) IDENTIY * Pay stub with complete U.S. Social Security number * W2 form with complete U.S. Social Security number * Valid Social Security card 2 )  CURRENT ADDRESS * Driver 's license * Rental/Lease agreement * Mortgage statement * Utility bill ( gas, electric, water cable, residential telephone bill ) I have a huge issue with a request of the items listed in 1. If this Reporting Agency is even remotely reputable, they certainly would not have such an absurd request to send information containing a complete SS # through the mail. Needless to say, we are in a huge environment of identity theft, fraud, etc. Add to that, knowing that Equifax has been plagued by their security issues and data breaches, no one of sound mind would even entertain this request. Credit Reporting Agencies ( XXXX, XXXX and Equifax ) should be protecting the Consumer not put them at risk by asking for such documents. Apparently, Equifax needs to get their house in order and be reminded of their purpose!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ XXXX XXXX , PU .. A Balance of XXXX.. Opening date XX/XX/2019.  That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except Equifax ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX SC XXXX there should be no other names or addresses listed on my consumer report. I have provided my identification to LexisNexis on several occasions and they have not updated my report.
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX  XXXX XXXX
Product: Debt collection

Apelles LLC keeps calling my work a lady name XXXX continues to call on a daily basis asking for me i usually pick up the phone and when i talk to her i have asked her several times that this is my work number and to please not contact me here to call me on my cell phone number and she says that she can call as many times as she wants and she will continue to call today XX/XX/21 she called again and once again told her to stop calling my work number and she just laughed and said she will call me next week. i don't know what to do they continue to harrass and call my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information on my credit report. In order to keep my credit to report an accurate higher score.