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

I have a master card associated with my business account with Bank of America. I've been paying the minimum payment or more to keep my account in good standing. I decided in XX/XX/2019 to pay off this card due to high interest rate. For two statements following the full payment I noticed that the bank is still charging me a finance charge at even a higher rate on a XXXX balance account.

I contacted the Bank of American customer service to see why I'm being charged a finance charge on a XXXX  balance. They told me that they do so for the two months following the full payment. This didn't make any sense. I asked to speak to a supervisor and they declined to speak to me. They even charged me a cash finance charge when I never take out cash on any of my credit cards.

I believe the bank is over charging me and trying to make money on a XXXX balance. I would like this issue to be investigated and hope to resolve it with removing these charges from my account.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS is report fraudulently on credit bureau. 

Reference Information Given Acct # XXXX $ XXXX Contract Date XX/XX/XXXX XX/XX/XXXX collection date Service Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX This account is reporting to credit bureau fraudulently.
Product: Debt collection

This is a resold debt from 2012. This debt is over 7 years old. It was taken off my credit report the first time due to inaccuracies as I worked for XXXX and was not charged the employee rate. The first collection was a different amount. Please remove this very old debt that is over the statue and prevent from attempting a false debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

A debt of XXXX XXXX  owned by XXXX XXXX ( property tax ) was sent to Nationwide Credit Corporation between late XXXX and XX/XX/XXXX. I inquired with the county after realizing I never received the yearly property tax bill. I reached out via email and was told the debt was forwarded to the above collector. I reached out via email on XX/XX/XXXX and followed up XX/XX/XXXX asking both times for a reference number or further information about a debt that would have been sent from XXXX XXXX. Despite receiving an auto email that I would receive a response in three days, I never received one. I have not been informed that I have the debt or been able to dispute it. I would like it to be removed from my record since I can not address it. 

Thank you for your time, XXXX
Product: Mortgage

I was contacted by Mr. Cooper in regards to being required to carry flood insurance on my property due to remapping of XXXX flood maps. Upon inspection it was found that I have floodplain on my property ( as was before ) but that the structure is still not on flood plain. 

After numerous correspondence with Mr. Cooper with conflicting information, denying to even review my provided documentation, and being told a supervisor would call me back due to my request ( which they never did ), I have unfortunately resorted to settling this matter through the CFPB in hopes of a proper resolution.
Product: Debt collection

The date has been recently as of XX/XX/2023. Has not validated the debt want debt removed off my credit report is immediately from all three credit reports
Product: Debt collection

XXXX XXXX is reporting a collections account from XXXX XXXX XXXX ( utility ) that was already paid to XXXX. They then reported to the credit bureaus that the collection was paid in full. This is inaccurate. I never paid them and they are still reporting a collections to the credit bureaus. I have disputed this with them and the bureaus and XXXX XXXX refuses to remove the inaccuracy.
Product: Debt collection

Green circle is not a licensed Delaware lender. They have sent me an email stating that they are going to send a " wage assignment '' to my employer. They continue to call and send me emails.
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 XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. 
I request that 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 Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX   balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate correction of inaccurately reported late-open accounts on my credit file maintained by Credit Bureaus XXXX Upon reviewing my credit report, I discovered multiple instances of late-open accounts, which inaccurately portray my credit history and negatively impact my financial standing. 

Specifically, the accounts listed below indicate open dates that are not consistent with the actual terms of my agreements with the respective creditors : These inaccuracies are concerning as they misrepresent my creditworthiness and could have adverse effects on my ability to obtain credit or favorable terms in the future. I request that you promptly investigate these discrepancies and take the necessary steps to correct the information on my credit report. 

Please ensure that the correct open dates are accurately reflected for each of the accounts listed above to provide an accurate portrayal of my credit history. 

Furthermore, I urge you to review your procedures to prevent such errors from occurring in the future and to provide me with written confirmation once the corrections have been made to my credit file. 

I request acknowledgement of receipt of this dispute letter within the exact timeframe and periodic updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records still require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EQUIFAX and XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
Employers : XXXX LA XXXX
Product: Checking or savings account

My complaint id is XXXX .... I talk to XXXX from executive offices at pnc bank. She still claiming i withdrew {$1400.00} dollars. I explain to her you can only withdraw {$700.00} dollars.. Than tried to say they put the wrong date. I want to sue. Someone is withdrawing my money and it simple not true. My email has changed. It is now XXXX. Do i file my police report now or wait. I will also file with the Attorney Generals office. 

XXXX XXXX XXXX XXXX, nj XXXX XXXX.
Product: Debt collection

This company is leaving harassing messages saying they will arrest me at my place of employment or home if I do not comply with them. They have contacted various family members leaving the same message with them for me. The company is trying to collect on an old debt where the statues of limitations have expired for them to collect through a law suit. In 2019  they contacted me and I asked them to stop. I am afraid if I contact them again they may try and bully me or trick me into something.
Product: Mortgage

The banks sends out automatic notices every year to the customers to provide insurance regardless of history, loan to value etc. The bank doesn't try to get insurance policies directly from the previous year broker on file. The bank make it purposefully difficult to provide existing insurance policies and customers have to fax/upload insurance policies multiple times and confirm receipt via phone.The bank automatically creates escrow accounts knowing the majority of customers doesn't respond or provide incomplete information to their policy. The bank then charge customers for insurance policies above market rate to earn higher commissions from the insurance to take advantage of consumers. Most of the insurance policies they take out are double coverage and rates because consumers already have insurance on the property. 

In XX/XX/XXXX I realized that the bank added insurance to the escrow account for years without notifying me. All communications was wrongly sent by the bank to my tenant at the rental property which wasn't the billing address on file. The bank already had my previous policy on file knowing that the HOA cover all insurance for the policy. 

In XX/XX/XXXX I asked the bank to forward me the correspondence with XXXX XXXX to request my policy. The bank faxed me a document with hundreds of pages of sensitive information of every mortgage holder that also has a insurance policy with XXXX XXXX. 

See the attached proof of insurance for the exterior and interior of the home which I provided multiple times. The bank doesn't except the policies and keeps on charging me for insurance. 

I have multiple mortgages with multiple banks. In my experienceFreedom Mortgage is taking advantage of lower income consumers that doesn't have the expertise and resources to resolve the administrative burden that the bank creates.
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 on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 card or prepaid card

My wife & I both became victims of identity theft in XX/XX/2018. A person or persons cancelled our Capital One credit cards without our knowledge. They requested new credit cards in our names & had them sent to XXXX, Fl. We live in Ohio. In just a few weeks they fraudulently charged several thousand dollars & at this time these new cards have a balance of {$6500.00}. I have tried repeatedly to get this problem resolved but with no success. My latest communication from Capital One 's Executive Offices was mailed to me on XX/XX/2018 & only asked me to identify myself. I replied to XXXX XXXX but haven't gotten any response.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account name : XXXX XXXX XXXX XXXX Account number : n/a Date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : n/a Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : Date : XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX  with ACCOUNT NUMBER : XXXX was OPENED by fraud, and I been requesting the proof of ownership. 
but no response. This inaccurate fraud account shall delete from my credit report by XXXX. 

And also, this XXXX XXXX XXXXXXXX. is a fraud account that I am not responsible for this inaccurate fraud account. Delete those fraud accounts from my credit report. 

Inquiries were made due to fraud as well. 
XXXX XXXX XXXX inquiry XXXX. 

XXXX XXXX inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report that does not belong to me and is fraudulent the account name is credit management
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last week, my credit score dropped XXXX points on XXXX  The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXL XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter with return receipt requesting a description of the procedures used to reinvestigate my consumer report. The company did not send me a copy and only sent to me the disputed results as of today XX/XX/25 after being 15 days passed the alloted time to send me the reinvestigative results.
Product: Mortgage

This is another in a continuing series of complaints against Rushmore Servicing. I am still attempting to have my loan modified or to receive a trial forbearance. This company continues to delay the process by continuing to demand more and more documents from me, slowing down the loan modification process. At this point, I feel they have no intention of actually reviewing my documents and actually granting me a loan modification or trial forbearance. I also feel I am an outstanding candidate to have my loan modified. 

My attempt to receive a loan modification or trial forbearance has now continued for months, actually stretching back to XXXX 

Rushmore officials are now demanding more documents from me, with some being new documents never requested before. In XXXX of XXXX XXXX, Rushmore sent a letter to me verifying that I had sent in all of the documents necessary to complete a loan modification or trial forbearance review. I then followed this up with a phone call to a Rushmore representative in their loss mitigation department and was orally informed by a representative that I, had indeed, sent in all of the needed documents to allow for a review of a loan modification. Then, in late XXXX, Rushmore changed its mind and decided that it did not have enough documents and promptly demanded more, going back on its oral and written word to me that the document gathering process had been completed. A representative by the name of XXXX XXXX also informed me by phone that more documents were needed. I have now sent in yet more documents to Rushmore in this simply never ending document gathering process in an attempt just to get to the review part of the loan modification process. In summation, as I have pointed out in the past, Rushmore Servicing continues to be dishonest and untruthful in this process and is purposely continuing to demand that I provide documents. As many mortgage service companies are know to do, Rushmore is illegally dragging out the loan modification process with no intention to actually review my documents that I have submitted, much less grant me a loan modification or trial forbearance. I have done everything asked of me by this company and still I have been stonewalled by Rushmore. The government should investigate Rushmore and other loan servicers who engage in this sort of illegal conduct and take appropriate action against them.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing to formally raise my complaint regarding the inaccurate credit information present on my credit file. These inaccuracies not only cause embarrassment but also hinder my ability to access the credit I rightfully deserve. It is well-established by law that credit bureaus must report only precise credit information. It is evident that the inclusion of this erroneous information is either a mistake on your part or on the part of the reporting creditor. It is disconcerting to find that the following information has been included in my credit report : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please delete these fraudulent accounts in my credit ASAP.