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

On XX/XX/XXXX I recieved an email from XXXX a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my XXXX card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that XXXX has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to XXXX, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?
Product: Credit card or prepaid card

When credit card went past due first time in 12 years, and during covid and XXXX XXXX XXXX refused the payment i offered over the phone, proceeded to call me nasty names and forced my account to collections, which then called my mother twice ( who had no interst in their debt ) gave her a case # and threatened legal action if i did not comply? even i know this violates the law in so many ways. I later find after the two contacts to my elderly mother that the case number matched the partial account number belonging to my account with Target National Bank! They sued me and obtained a judgement for XXXX plus attorneys fees in XXXX of this year, i subsequently stopped paying any creditor and filed Bankruptcy. I contend that Target National Bank, and all successors in intetest Knowingly and willfully committed Illegal acts under the Fair Debt Collections Practices Act ( three seperate acts # 1 ) Colletions rep. from Target National Bank who refused my payment offer over the phone and ( promise to pay ), and then blew up demanding full payment ( name calling ) and threats. # 2 first call to my mother on or about XX/XX/2020 ( foriegner making legal threats ) # 3 ) forigner making a similar threat directed to me XXXX XXXX call back number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified  the CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that  " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor.  This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to promptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the r esponsibility onto them is NOT acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( XXXX, XXXX, Transunion ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in XX/XX/2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu
Product: Mortgage

The problem I have had with AAG is that my line of credit has not changed since XX/XX/XXXX. Since then it has varied between {$1.00} and {$1.00}. A month or so ago I called about this, I was told it was due to fees charged. 

I also noticed some misleading statements in their television commercials. They stated that funds could be used for medical emergencies or house repairs. There is not much I could use for {$1.00}. I also noticed that they stated it was begun in XXXX. However, reverse mortgages did not begin until President XXXX.
Product: Consumer Loan

Last week I applied for a used car loan at my financial institution, USAA. I asked for a loan up to {$15000.00} but also told the loan processer at USAA that I hoped I would need a loan for less than $ 15K after we finished negotiations on the car. I was quoted a rate of 2.75 % for this loan. 
After concluding negotiations with the owner of the vehicle for the sale at {$13000.00}, I gave the owner my personal check for {$1000.00}, so the remainder needed for a loan was {$12000.00}. I called USAA to execute the loan, but was told that for any amount less than $ 15K, the interest rate would be higher than 2.75 %. Because of the higher rate, I complained and spoke to several different people in USAA 's loan department, resulting in rates quoted from 4.75 % down to 3.2439 %. They still refused to give me the rate originally quoted of 2.75 %, even though I have a screen printed from their website showing the 2.75 % rate for my loan. They claimed that if I would take the $ 15K ( or higher amount ) loan, I could still get the 2.75 % rate, but for any lesser amount, the rate would be higher. This makes no sense at all, since their risk for a smaller loan amount is less than with the larger loan amount. 

This is nothing more than a classic " bait-and-switch '' tactic. If this was a disreputable loan shark, I might understand their tactic, but for USAA, I did n't expect such dishonorable and dishonest behavior. They should be prosecuted for their " bait-and-switch '' tactic to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> multiple XXXX XXXX accounts were added to my personal credit report. these accounts are not mines. 

account # XXXX balance {$14000.00} account # XXXX balance {$2300.00} account # XXXX balance {$2200.00} account # XXXX balance {$5400.00} account # XXXX balance {$4000.00} account # XXXX balance {$4700.00}
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX  supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Mortgage

We sold our house on XX/XX/XXXX. Homebridge is the mortgage company with our escrow account that would need to be refunded. 
XX/XX/XXXX XXXX We call Homebridge about our refund for our escrow. We were informed their policy is 17 days after the close of the house. We were given the amount of the refund and that the check should arrive by late that week or early the next week. 
XX/XX/XXXX - Called Homebridge, we should have received the check by now, verified our new address and they would reissue check. 
XXXX XXXX Had not received refund check yet, called Homebridge , checks are slow due to covid and may take extra time. Informed her a check was to have been sent over two weeks ago, she verified we should have received it. She would expedite this and see if a new check could be sent out. Again, we verified our mailing address. 
XX/XX/XXXX - Had not received check, so we called Homebridge again. Check had not be issued yet, but was going to be expedited. We are closing on new house on XXXX XXXX and this refund check is needed for part of closing costs. Was going to expedite this and get a check issued. To call tomorrow afternoon and they would have information on check being sent out. 
XX/XX/XXXX - Called Homebridge, check not issued yet, would have check issued and overnighted by XXXX  XXXX, call tomorrow for tracking number. 
XX/XX/XXXX - Called Hombridge, Check has been issued, but did not have a tracking number for it.Should receive check on Monday by XXXX  XXXX. 
XXXX XXXX Did not receive XXXX  XXXX package. Called Homebridge, should received today or tomorrow ( tuesday ) did not have tracking number but did give a XXXX XXXX   confirmation number XXXX XX/XX/XXXX - Did not receive check. Called Homebridge. No refund Check has been issued by XXXX. Would expedite and have a manager call today. 

Well no manager has called us today or tonight. I should include that during these calls on these dates, it was never the first call, we would have to wait 35 to 45 minutes for someone, who would hang up and then we would have to make the call again. Overall we were hung up on 12 times. 
So in essence, we have been hung up on multitude of times, lied too a multiple amount of times and still no payment. We are having to liquidate some funds to we can pay for our closing on XX/XX/XXXX.
Product: Debt collection

Credit service of XXXX called me on Friday XX/XX/XXXX claiming judgments were awarded against me for multiple accounts. This was need to me because I have received nothing in the mail from the 1st district court regarding defaults or judgements or court dates. They also filed multiple accounts at the same time apparently and this isn't the first time they have pulled this. They have impacted my credit in the past that I am still dealing with, they have tried to collect on accounts that are past the statute of limitations, accounts that I have no knowledge of, and accounts that have been satisfied. They provide no notice of court proceedings which violates my right to due process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. You reported that this was charged off in XX/XX/XXXX, XX/XX/XXXX, then again in XX/XX/XXXX, then again in XX/XX/XXXX, then again XX/XX/XXXX. I submitted a complaint XX/XX/XXXX specifying this error, however after your XXXX  investigation this still is not fixed. Accounts can not be charged off XXXX  times. Then on XX/XX/XXXX and XX/XX/XXXX I pointed out that you don't show any of my payments, payment amounts, or month of payments for this account. How can you know my balance, and how can balance decrease if you don't know my payments. Creditors need to be able to see my payment history. Now today I am pointing out that you aren't showing any of the payments I made in XXXX. I made payments on this account and paid them until the account was settled. The credit report needs to show these payments. This is highly injurious to my credit, it undermines the faith in the credit reporting system, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Checking or savings account

In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.
Product: Credit reporting or other personal consumer reports

Recently I have been a victim of identity theft because someone used my identity to apply for credit card. I have already disputed the fraudulent inquiry from my credit report but upon checking my credit report thoroughly i have noticed that my last name is spelled wrong on the credit report too. My last name is XXXX but whoever stole my identity messed with my credit file and made a mistake in my credit report spelling my last name XXXX. It should be XXXX instead of I. Please dispute and change my last name to my actual last name which shows on all my government documents and social security.
Product: Credit card

In early 2013, I called Bank of America to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was " charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail.
Product: Credit card or prepaid card

This is the second time I reaching out, I never Authorized this Joint account that is on my Fraudulently on my Experian Account. Please remove Immediately.
Product: Checking or savings account

There were XXXX transactions for $ XXXX each which were transferred from my NFCU savings account to another NFCU account ( not mine, nor did I set it up ). I went through the process with NFCU to secure my accounts, and I filed a claim and an appeal and they denied it, saying that they believe that I was participating in the activity, because the transactions show my ip address as the origin. This is a lie, and I have been banking with NFCU for quite a while and would never engage in such activity. If I was going to do such a thing, why would I not wipe out both my savings and checking account? It makes no sense, and they have no basis for accusing me of foul play. I explained to them that I did not do it and my PC must have been hacked. Anyway, after securing my accounts with new numbers and passwords, I also worked with my internet provider and my anti-virus provider to try and figure how this could have happened. We found a program running in the background that does provide remote access and control of my PC, and we removed it and scanned the system and it is now clean and safe. I explained all this to NFCU, but to no avail, they are still denying my claim, even though they were less than diligent in verifying what were clearly suspicious back to back to back transactions which they let go through. All the information which I communicated to them is included in the email that I am attaching to this complaint below.
Product: Debt collection

XX/XX/year> an account from XXXX debt collection appeared on my XXXX credit report. Reporting I owe them the amount of {$1400.00}. 
Its being reported as the company is the original creditor. 
I requested the company to provide me with a signed contract showing my name and date. They have yet to provide me with the requested information due to the nonexistent nature of the contract. My credit report and score has been damaged due to this inaccurate reporting.

The Original credit ( XXXX XXXX XXXX  ) has dissolved the account and informed me that no debt is owed to them and XXXX has purchased the debt from them in attempts to recoup money for their purchase. This in fact removes me from all legal liability amount stated above
Product: Credit card

Regarding XXXX XXXX Citibank, they tell me that there is a " float '' applied. They claim that they have to wait for the bank to verify payment has been made despite my account having alreaddy been withdrawn the money. After XXXX calls about this, I was told that there would be no wait if I used my debit card as this would be immediate since the money is there or it isn't. Then I began using my debit card and the same problem has occurred. They keep giving me the same run around. They also told me that it's because I have made a large payment. Regardless of the payment {$500.00} or {$2000.00}, it's the same problem, so this is inaccurate. 

They also tried to tell me that it's because I had a check returned. First, it wasn't a check, it was an ACH payment. And with this one and only situation, I added a new bank as a source of payment. It defaulted that as my payment source, so when I went to make payment, I thought it was the bank account that I have always used, but it wasn't. Fortuantely, I caught it before I sent it and then didn't " authorize '' payment. However, it went through anyhow unbeknownst to me. Needless to say, I keep going around and around with them having to call after every payment now to have them push it through and have the payment credited to my account. 

I can never use my credit card because the payments are never applied in timely manner. In addition, if my available credit is {$1000.00}, and I make a payment for {$1500.00}, it will ADD that payment towards my available credit and credit line putting me at a NEGATIVE {$500.00} available! I've never seen anything like that before. And then I can't even use my card. It's outrageous. 

The practices of citibank seem fraudulent to me. I've never had such issues with any credit card company before. The number I call is XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, over the years in my life it has been hard of having my identity stolen. I do not have access to my social security card. I am asking that these accounts reporting gets removed from my report. I am unaware of the responsible party of these fraudulent accounts. It has been super hard on me after my loved one recently pass on being able to survive with living on my own after being a victim of identity theft. Not being able to finance because my credit profile was literally tarnished. I am really begging for help that this gets erased from my credit profile. It Is defamation to my character it has literally destroyed me for years. I am really asking if i can receive help getting these accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the following credit Agency : XXXX They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXXwas their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX  for a medical debt reporting inXX/XX/XXXX.

I called the Sarma Agency before submitted the original request through XXXX  and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with XXXX  and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX  report does not show item or address.

My XXXX  report does not show item or address
Product: Checking or savings account

I used Bank of America 's billpay service to pay a {$3000.00} bill. They mailed the check to the recipient, and it was deposited on XX/XX/2020. 

Apparently the check was intercepted and deposited to someone else 's account. Because we have the canceled check, we have full information about the fraudulent depositor. 

I filed a complaint on XX/XX/2020 but there has been no activity and no resolution. It is now three months later and nothing has happened. We are out the {$3000.00}. 

There is no reason this can not be resolved immediately ; we have the depositor 's information, it should be a simple matter to contact the depositor 's bank and cancel the check.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX I was purchasing two tickets to an event for XXXX dollars through XXXX  When I had sent the money my number was blocked my the person who I sent it to. I tried getting it back through chase and XXXX and both could not help.
Product: Debt collection

I filed a requested thru CFPB when I saw ir hit my credit score. I have not recieved anything from this company. They went back on my credit I never received a call neither or paperwork. I do not know this company I have never been to TENNESSEE.