23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$4300.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I filed a police report to get some negative unauthorized items removed off of my credit report I am a victim of XXXX XXXX my credit was used without my permission the accounts are from XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2023 I sent in letters expressing some items that I am in disagreement with on my credit report. I kindly request that you guys fix the errors on my report
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

COMENITY BANK XXXX XX/XX/XXXX - Turned my acct. over to XXXX XXXX XXXX , XXXX ( XXXX ) for my Bill to XXXX  for {$320.00} + XXXX I have had an account with XXXX & all there other brands since XXXX - Every single month since I have paid in full the total amount of bill THE DAY I receive it. 

The statement I received in XXXX however was not paid as I wasl dealing with the XXXX people watching my HUSBAND and even now remember getting a bill from XXXX HOWEVER, my mind was on a lot of things and I guess I thought it was JUNK. So it did not get paid. 
As were missed or neglected during that time : UNTIL HE PASSED ON XX/XX/XXXX ..... Yes I do have a death certificate to send if necessary, I am a XXXX XXXX XXXX woman, and Have not had a credit problem since I can remember. 

Our/my credit rating went from XXXX to to XXXX and I do not believe this is fair to ME. 

Please let me know if there is anything that can be done to rectify this credit score. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, my name is XXXX, just recieved a mail from CBE group , Inc. Today, never heard them before, or have any phone contact with them. They sent me a bill for XXXX, debt description for fine, public intoxication, it was in XXXX  probably from XXXX. I been living in XXXX since XXXX. First thing i did was call the company, explained to them i haven't lived there for years, and its pass the statute of limitations, they said, yes itnis, but we can still collect, i informed them thats against rules and regulations, and that I will file a complaint, so here inam contacting you about the matter.
Product: Credit card or prepaid card

XX/XX/XXXX I deposited {$1500.00} into my credit card account at Citibank on XXXX and XXXX XXXX XXXX. 

XX/XX/XXXX I tried to pay my Public Storage bill I went to Citibank to ask for a refund. The bank manager called the credit card company, They said it would take 7 to 10 days. 


XX/XX/XXXX The amount was not returned, I called the credit card company, they seemed confused and ATM stated that owed $ XXXX.Several calls later the matter has not resolved. They said they mailed me a check for less than amount received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a claim with my bank for XXXX transactions made with my debit card ending in XXXX, because the seller never sent the items. 
The bank gave me a provisional credit, but then was reversed. I received a letter requesting more information about the case, that letter has a old date and I don't know I received it very late and as soon I received the letter I sent the information back to them on XX/XX/XXXX. 
I need to reopen the case for this XXXX transactions for merchandise not delivered. 
XXXX XXXX made on XX/XX/XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX
Product: Mortgage

Freedom Mortgage bought my loan in XXXX of 2021. Since it has been nothing but a cascade of issues like i have never experienced in the 5 years i paid this same loan to XXXX other mortgage company. 
XXXX, they purchase my loan, never send me a welcome lettter, and leave me scrambling to pay my loan on time to them as i dont even know who i am paying it to? 
XXXX I get notice that none of my taxes or home owners insurance has been paid as it should out of escrow. in the two months they have my loan i have now had to call each month to get them to do their job. 
XXXX I am notified they are increasing my mortgagepayment by {$78.00} for the next 12 months because the cushion in my escrow account is short {$430.00} dollars, now anyone past 5 th grade knows that XXXX is more than XXXX. But They are quoting a law, stating they are right,. and increasing my mortgage for the first time in 5 years. seems very suspect XXXX brings a billing statement from this company stating that my monthly payment is {$0.00} of course when i call the automated system they state i owe my newly increased usual monthly payment. Is this not predatory > to send out a false billing statement. to hope a home owner doesnt pay their loan on time > to initiate them doing so by sending them false and misleading statements? and never correcting them > I want anyone else to service my loan and I would love this company shut down
Product: Credit reporting or other personal consumer reports

Inquiries 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 I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I made a payment on my Indigo credit card on XX/XX/XXXX. The company policy is that it takes up to 14 days after payment is received by ACH debit to verify good funds. This policy is ridiculous because it does not take more than 7 days after payment to verify an ACH debit. Nonetheless, the company refuses to release available funds on the XXXX day after they received payment which is XX/XX/XXXX. They will not release the funds until XX/XX/XXXX which is the XXXX day. The company falsely tells customers that they will place a hold of up to 14 days on the account before releasing funds but they are lying to customers because they actually take 15 days. I resent the fact that this company first of all has this outrageous policy of waiting 14 days to release available credit which is completely unnecessary and then lies to customers about the hold time when they actually have to wait 15 days.
Product: Debt collection

Hard inquiries from one main financial and I had no knowledge of applying for anything threw them
Product: Credit card

Bank of America Credit Card Purchase Protect I purchased XXXX/XXXX/XXXX a cell phone XXXX on XXXX and it turned out to be defective. The battery inside was ready to blow up and we were instructed by XXXX XXXX company to remove it ASAP. I contacted XXXX seller trying to resolve to no avail. Tried going through XXXX return no way because I removed the dangerous battery they say it is not in its original condition. XXXX same thing and Bank of America denied my dispute as well. I have been a long standing customer of Bank of America and since they were not willing to assist in this in any way I said to close my account. They were heartless and un-caring. I tried to find a corporate number and they hide behind Customer Service number. Even the CEO XXXX XXXX XXXX 's supposed number is the same Customer Service number. Their corporate filling uses the same number. To me they do not want to deal with the customers who make them what they are, Wealthy! I am not done I will tell everyone of my experience with them and will never have anything else to do with Bank of America or their affiliates, which some of us know who they are too.. 

XXXX/XXXX/XXXX Update : On XXXX/XXXX/XXXX I revisited XXXX resolutions dept. and finally got them to understand the danger involved with the cell phone battery. They promptly refunded {$120.00}. So I thought I would try to appeal to BOA 's conscience and spoke with several people and eventually elevated to a XXXX who stated he would reinstate my card. He proceed to ask me for my financial income yearly and other personal questions. I asked you are not dipping in to my credit report are you? His answer was no. XXXX stated it would take approximately 24 hours for it be active again. On XXXX/XXXX/XXXX I received a call from someone in the Collection Dept named I think XXXX who was following up on my complaint with the XXXX. He informed me that my account is closed permanently. He was going to see what he could do and get back to me. Today being the XXXX of XXXX XXXX I tried calling various numbers till I finally reached someone named XXXX not sure of spelling. XXXX listen and forward me to XXXX who forward me to XXXX. Keep in mind that every person I spoke to I had to retell my story even though I asked the to inform the people that they were forwarding me to so I would not have to repeat myself. So now XXXX was un-ware of why I was calling and again I told my story again. Now XXXX basically tells me that there is nothing they can do. It would have to go to the Credit Department for approval and dip into my credit again! At this point I decided to forget it, it just is not worth dealing with a business who does not care about the customer who has made Bank of America who they are today. In the last 6 months I charged and paid off in full well over {$10000.00} and I am or was a great customer. These guys just do n't care. Too Big to Fail sound familiar ... XXXX or is it Too Big and do n't Care. 


Concluding : Paid off the account early and am no longer interested in doing business with Bank of America or any affiliates under their umbrella.
Product: Mortgage

Good Afternoon, Consumer Financial Protection Board ( CFPB ), I'm writing to your department today to initiate a complaint against XXXX Bank and their servicing company LoanCare. My complaint is in regard to escrow shortages for XXXX under XXXX Bank XXXX and for XXXX ( under LoanCare ). 

The last two years my escrow shortages have been {$1000.00} for XXXX and now for XXXX {$1100.00} respectively. I've checked with my Insurance Company and the tax collector and my insurance and taxes have increased {$270.00} and {$290.00} respectively. My question is how is my escrow shortage over {$1000.00} or {$1100.00} for {$2000.00} and XXXX when the increases in taxes and insurance is under {$300.00}? 

I've approached the bank numerous times and can't get a satisfactory answer. if my payment for XXXX increased from $ XXXX {$1100.00} to cover the 1st escrow shortage over 60 months XXXX my request ), then isn't bank, per their own statement in writing collecting this shortage over 60 months per that payment? Is the new payment for XXXX of {$1100.00} collecting the escrow shortage of {$1100.00} over 48 months? I'm confused by this basic math. 

The Bank and loan servicer is telling me that isn't how escrow works. After collecting the shortage for 12 months, as opposed to the 48 months listed in their statements, the escrow analysis starts over and there will always be that shortage. 

This is a questionable business practice at best, in my opinion. I'm reasonable, if that's the case, then why doesn't my payment go back down to the original {$1100.00} and then the escrow shortage is applied. I contend the bank is collecting the shortage over the 48 month or 60-month period, but isn't reducing or eliminating the escrow shortage and keeping the Lendee in a perpetual escrow shortage loop and unless the person pays within 12 months will always owe the escrow. 

I don't have a problem with this if the bank was forthcoming with this information, when, in my opinion, the bank is allegedly disingenuous. The bank isnt collecting the escrow shortage over 48 months or 60 months, it expects Lendee to pay the escrow within 12 months or the process starts all over again. Im making a complaint against bank for this questionable business practice and would like a CFPB representative to call and discuss this situation further. I've attached copies of the XXXX and XXXX statements for XXXX and XXXX respectively as PDFs. 

Thank you for your time and assistance regarding my complaint, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts : 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, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card

XXXX XXXX XXXX. Immediately was charged {$35.00} annual fee and paid it. Web site would not allow me to pay online and had to pay extra fees to XXXX. My wife and I decided not to use the cards. When I called customer service they said my account was locked with a fraud alert and I would have to drive XXXX hours to the closest facility with ID. I talked to a supervisor who repeated same. The cards were never used or even activated!
Product: Debt collection

LVNV Funding LLC has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used LVNV Funding LLC, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and LVNV Funding LLC has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate and unlawful reporting of a charge-off on my credit report by all XXXX  credit bureaus for my XXXX Credit Card XXXX This reporting is in violation of the Fair Credit Reporting Act ( FCRA ). 

A charge-off occurs when a creditor declares a debt as a loss, which may include settlement or payment by a third party, such as an insurance claim or sale of the debt to a third-party collection agency. According to Section 623 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies must report accurate and verifiable information. 

The charge-off in question appears to have been resolved via payment by a third party, making it income for the original creditor. Income collection does not constitute an active or collectible debt and therefore should not be reported as delinquent on my credit report. This is a misclassification and a clear violation of my rights under the FCRA. 

I have disputed this directly with all three credit bureaus but they have failed to provide verifiable evidence of the debts accuracy. The FCRA requires that any information on my credit report must be accurate, complete, and verifiable. If they are unable to provide sufficient documentation, they are legally obligated to correct or delete the account from my file under Section 611 ( a ) of the FCRA ( 15 U.S.C. 1681i ).

The continued reporting of this charge-off is damaging my credit profile and negatively affecting my financial well-being. This is a direct violation of my consumer rights under the FCRA, and I am requesting CFPB intervention to ensure compliance and proper resolution. 
Thank you for your assistance.
Product: Debt collection

I have sent LVNV Funding LLC a cease and desist letter and this company has refused to adhere to the Federal Guidelines by ignoring my request in my attempts to resolve this matter. LVNV Funding LLC has also been found to impose as a collection agency trying to illegally collect a debt when they are not legally licensed or registered and or insured to collect debts in the state of Pennsylvania per the XXXX
Product: Debt collection

I wanted to report the company Afterpay. Theyre unfairly charging me for a purchase I returned on XX/XX/2022 at XXXX, the merchant was XXXX XXXX I purchased a bird cage and returned it on the date mentioned above, they never acknowledged that I returned it and they even got refunded for it, and they unfairly sent me to collections for this. They mention that the refund went to a XXXX card that supposedly have, and I want to clarify that I just owe one XXXX card and does NOT end in the number theyre telling me. They create virtual cards for you to shop and that was the card that it was refunded to. The refund goes straight to the card that the item was purchased with, and if I wouldnt have purchased it though XXXX, they obviously wouldnt have records of it. 
Here Ill attach pictures of the emails they have been sending me as well of the receipt with the return proof.
Product: Checking or savings account

my bank have frozen my account and canceled my ATM crad. I have cleared and available funds in the account however the bank have refused to allow access. I want the account closed and a check mailed to for the available balance. thanks
Product: Credit reporting or other personal consumer reports

There are errors on my report under 15 USC 16c-2. The listed inquiries were not authorized by me and are hurting my credit. Please eliminate all unauthorized hard inquiries.