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

( Demand for Financial Compensation ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a total 2 accounts. 

( 2 ) medical accounts opened on XX/XX/XXXX under the account number ( private ), and an account opened on XX/XX/XXXX under the account number ( private ) These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : EXPERIAN : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with Experian, XXXX  and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s ) with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.
Product: Checking or savings account

On XX/XX/XXXX, I've received a message on messenger from CHIME stating that I've won {$2000.00} and in order to claim it and receive it, all they need is my information... .not knowing that it was a scam. I was asked my personal information... ..name, address, phone number and email address. I've noticed later on like 15 minutes when I checked my account and I couldn't access it. My account was drained of {$580.00} by XXXX XXXX XXXX ... ..who which I don't know at all. So that's when I contacted Chime support numerous of times and those numerous of times I have filed 3 disputes and each of the two times, I've been denied. I've already filed for the third time and waiting on a decision.
Product: Student loan

Back on XX/XX/XXXX I received an XXXX Scholarship thru XXXX XXXX for {$1000.00} and since I graduated already I wanted it to be applied to be student loans. I called my lender at the time and made sure that it would be applied to me loans. I was told over the phone that as long as it was received by the financial institution that it would be applied to my principal. I received confirmation back on XX/XX/XXXX thru a phone call from XXXX that it was received by my lender. I continued making payments like I normally do all XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX comes. Mohela tells me thru a call that they received a {$1000.00} credit on my account and I am paid to far ahead and payments need to stop. I didn't not want to stop my payments. I NEVER missed a payment. I was confused and told them it was a mistake and I didn't make a {$1000.00} payment on my account. Then they said it was from XX/XX/XXXX. I laughed at them and said they had to be joking. I explained above and they said they couldn't do anything about it. They didn't tell me anything about collecting interest daily on my account. When they sent me the following months bill that was due under total interest due it even said {$0.00}. I had not knowledge that anything was due nor did I have an amount to send them. They are the ones to tell me that I was paid to far ahead from XX/XX/XXXX-XX/XX/XXXX which is ridiculous in the first place. Then when my payments finally started coming out of my bank again after about 6 months again I paid closer attention to my student loans then I did before. In the past it said on my statement the total due was XXXX and now my total due changed and it says XXXX. So I called Mohela and asked them about my total due and they gave me some strange answer that makes no sense to me because in the end they said I still owe XXXX even though my billing statements say XXXX?! I also started to notice that after 4 to 5 months after repaying my loan after this happened all my payments were going strictly to interest only. Nothing was applied on principal for almost 1 year. I was calling and messaging them and complaining and I kept getting the same answers. There was nothing more they could do and that I was paid ahead. 1 year of XXXXmo payments for applying a {$1000.00} scholarship to my loan back in XX/XX/XXXX!! Its not worth it. I was better off not taking the scholarship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute with both XXXX and XXXX invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.
Product: Mortgage

I sent correspondence to Bank of America on XX/XX/XXXX in regards to mishandling of Modification Application XX/XX/XXXX and duplicate/reversal payments reflecting from payment history for the period of XX/XX/XXXX - XX/XX/XXXX. 

Bank of America Rep XXXX XXXX ( XXXX XXXX ) responded to my complaint but did not come to the resolution expected. She could not provide an explanation as to why Bank of America took 18 months to complete the Modification application ( XX/XX/XXXX - XX/XX/XXXX ) and why I never was never approved for the HARP or HAMP program. XXXX XXXX did not provide proof of the duplicate or reversal payments, she stated these payments were probably due to return payments and could not show any documentation of returned payments. I explained I never submitted bad mortgage payments and verification is needed to back up her accusation. I never received copies of return payments. 

It is clear that Bank of America will not accept the negligent action of working with NACA to fraud me in the Modification process by prolonging the time it took to complete a Modification plan ( 18 months ). I will continue to work with legal representation to get a resolution. 

I am asking Bank of America to refund me for duplicate and reversal payments from the period of XX/XX/XXXX - XX/XX/XXXX in the amount of {$16000.00} due to non-documentation of return payments. 


Duplicate Payment for Months : XX/XX/XXXX - {$1100.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid three times XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid XX/XX/XXXX and XX/XX/XXXX ) Total : {$9000.00} XXXX - Reversal Payments : ( XXXX ) - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) - XX/XX/XXXX ( XXXX Sheet Provided reflecting Bank of America Statement ) Total : {$16000.00}
Product: Debt collection

I asked a particular bill collector ( Franklin Collection Agency ) to  provide original documentation verifying a debt with XXXX on XX/XX/XXXX. XXXX is a part of XXXX XXXX XXXX, and I expressed to this collection agency in writing that I have already paid this bill. They are continuing to pursue an already satisfied debt which I will not pay again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit account has not been added to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I logged into my XXXX XXXX account and seen that I had a hard inquiry on my XXXX score from Sterling Jewelers that dates back to XX/XX/XXXX. I have absolute no knowledge of this inquiry. I have never even been to a Sterling Jewelers store. I am a young guy who is working to start building my credit and already having an inquiry on my account will slow me down when it comes to applying for different cards especially since I have no idea where this is coming from or even how it appeared.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been asking Exeter to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Credit Bureaus today to report that I have been a victim of identity theft. After conducting research on how to remove the fraudulent accounts from my credit report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. According to FCRA section 605b, Credit Reporting Agencies are required to remove any accounts listed on an identity theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is currently being posted on my credit report. The list of accounts that do not belong to me or were opened without my permission is as follows : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} XXXX I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. As per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

THERE SHOULD NOT BE IN NEGATIVE INFORMATION ON MY CREDIT REPORT PLEASE CORRECT INCORRECT INFORMATION.
Product: Credit card or prepaid card

According to the card and what I was told on the phone I have had this card since XX/XX/XXXX ( but I had card of pre-merger company before then ). The card does not expire until XX/XX/XXXX. I buy gasoline on the card intermittetently, and I made my last scheduled payment for the full amount on XX/XX/XXXX via their electronic portal. I received a letter dated XX/XX/XXXX stating that my account was now closed. I spoke with different agents and got different explanations. I don't think I have ever been delinquent on this card and pay according to terms and within the period so that interest is not charged. In the past they have reduced my credit limit, and that is ok with me because I don't want too much available credit to affect my credit score. I was told I could re-apply, but just the closing of my account by the company has already reduced my credit score.The last bill was for {$970.00} ( I think I had a credit for having paid too much before ). They no longer send paper billa and have neglected to e-mail me that I owe a balance, but nonetheless I have kept my account current. 
I berlieve that the company has made the following violation : ( b ) Account termination. ( 1 ) A  creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX is being reported twice on XXXX  and Transunion as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX. These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent Experian a dispute letter attached with a police report and a FTC identity theft report, letting them know that I was a victim of identity theft ... I also sent extra documentation to show Experian that I am who I say I am and those documents were as follows : the latest utility bill ( light bill ), my last pay check stub, proof of address and residency signed by Property Management, a copy of my driver 's license and Social Security card. After I sent Experian all these documentation to prove my address and that I am who I say I am they still tell me to send more proof but I sent them all the proof that's required so now I'm complaining after I sent my second letter in to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a formal complaint against Transunion located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair credit reporting act and has caused me unnecessary financial and mental distress. They continuously report erroneous and unverifiable accounts on my credit report, not to mention accounts that I ask for proof of claim in which they have yet to provide after multiple disputes per FCRA. Despite my efforts to resolve this unfortunate nightmare for several months, Transunion has completely ignored the properly investigating all legal submissions to remove these inaccurate accounts from my credit profile. Im well aware of the many complaints filed against this company for unethical business practices. Yet somehow this company is still in business. This companys negligent behavior has caused lots of harm, not only to my ability to establish good credit & get lower interest rates, but also to my character as a professional individual. Please help me and other consumers put a stop to their unethical business dealings immediately. I thank you for your time and consideration to this matter.
Product: Credit reporting or other personal consumer reports

WellsFargo has blatantly continued reupdating the credit report indicating a balance is owed for, {$140.00} after sending a refund check. 
On, XX/XX/, following the last dispute. They stated the account was deleted. They have removed the account from all bureaus, except XXXX. As of XXXX, XXXX, both XXXX and WellsFargo, reposted the information as updated on my credit file. XXXX has actively violated FCRA reporting standards, they have been provided with information and continue stalling with a request for extensive time to investigate only to repost after thirty days. 
Per XXXX, on my call today, they are rereporting because XXXX has not given them permission to delete the information.
Product: Debt collection

American Express changed the terms of agreement without informing me. American express began calling me every day to collect the full amount of debt instead of letting me finance the debt as I have with Amex for YEARS. Every day they ask for the full amount. When I tried explaining to them they advertise that I can finance the debt they stated that the calls will not stop until they get paid in full. They are now paid in full but they have mistreated me as a customer. American express refused to work with me even though there is no policy stating I had to pay in full.
Product: Mortgage

We have a mortgage on our XXXX house which is a manufactured home. It is an adjustable rate of 8 % and it never goes lower. I thought it should have gone way down when the rates declined. My daughter has tried to purchase it and nobody will finance it for her. It is on a permanent foundation. It seems like the loan never goes down and is all interest since we bought the house. We refinanced over 10 years ago and it has hardly gone down. If manufactured homes are such a risk and nobody wants to finance them then why are they allowed to sell them in Ohio.
Product: Mortgage

On XX/XX/XXXX, I closed my conventional loan with Navy Federal CU for my new property. 
Everything went smoothly except that when I saw my closing disclosure, the payment had been increased by over {$200.00}. The title company poc mentioned that maybe the taxes were adjusted. I was concerned because I had never seen that payment amount before during negotiations except for when the Navy Federal Loan officer was initially showing me what my payment would be if I chose Navy. Since I was weighing offers from different lenders I reached out to my realtor because Navy payment quote was much higher than everyone elses. She discovered that Navy Federal had the wrong tax information so she reached out to the loan office who recalculated the amounts and and came up with the more accurate payment quote. That adjusted quote was the reason why I chose Navy for my loan. So to see a totally different increased amount at the closing table was quite shocking to me and made me feel that I was " bait and switched '' into choosing Navy. During closing, I received a {$300.00} check given back to me since I overpaid Navy. Once I got into my car after signing documents, I was contacted by the title company who explained that Navy had contacted them and demanded that I now pay {$740.00} because I didn't put down enough money for the down payment and to rip up the check that i had received. I was also informed that the money needed to be paid at the title company by XXXX. I started driving to the title company which was XXXX minutes away and called my processor who didn't have any information concerning why the payment amount was adjusted during the last few hours. She mentioned only that the payment changed because of the taxes. So I tried reaching my loan officer who called me back later that day and said that she would find out what happened ( that was a week ago and she hasn't contacted me back ). A few days ago, the processor called me to follow up and based on what she said I discovered that the closing contact at Navy had calculated my escrow tax amounts based on the home being " New Construction. '' This is incorrect because the home was built in 1920 and that year is visible in the appraisal. Additionally, the home has a ground rent which is something that was established decades ago which further proves that home had been existing for decades. I mentioned this to the processor and she agreed that an error had been made but I needed to reach mortgage servicing after the loan had appeared on my account. I called mortgage servicing but have not received any feedback. My payment should be adjusted to the correct amount based on the taxes. Please assist.
Product: Mortgage

Unfortunately we have no evidence of prior transgressions from Rocket Mortgage, but this time we do, because we have suffered once too many in this area and are keeping exact records. 
We received notice of Policy Cancellation due to non-payment from XXXX. Our Insurance and Taxes are held in an 'escrow account ', but Rocket Mortgage REFUSES to give us a statement or provide proof of payment. This time, we made the payment ourselves. Yet, through an 'accidental ' accounting by a XXXX representative ( via chat ), we discovered that they 'claim ' to have sent payment.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.