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

I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on Experian. But on XXXX and XXXX credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With XXXX its listed account was closed XX/XX/XXXX. XXXX date od closer is on XX/XX/XXXX. Experian on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later.

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default.
Product: Credit reporting

I have an account on my Transunion that was removed and has returned. 
XXXX : XXXX XXXX $ XXXX- removed XX/XX/2016
Product: Checking or savings account

I had a fraud amount take out of my account on XX/XX/XXXX. The amount of {$83.00} was taking out unauthorized at non Chase bank. I filled a claim with the bank for fraud two weeks ago. The fraud took place after i pumped gas from a gas station by my house. They told me they looked into it and told me that they couldnt refund my money due to my card being present in time of the transaction. But my card was not present and was with me the whole time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit card or prepaid card

I opened my JCP credit card with {$5500.00} credit line. My payments were between {$25.00} to XXXX XXXX monthly. I always gave JCP {$100.00} every month towards my credit card payment. Last year they had their XXXX stores removed. During XXXX on The months of XXXX, XXXX and XXXX of XXXX I made purchases at XXXX and also made my monthly payment with the XXXX cashier as I was permitted to make XXXX purchases with my JCP credit card and also I thought make payments. Several of my payments were not recorded on my account! I made multiple payments, JCP fraudulently prevents consumers from viewing the cash payments made in the store! It takes up to XXXX business days to reflect! That is one of the problems! Another is I encountered was the customer service reps in their 1800 phone number saying they see the payment but will take some time for the payment to come off the balance! Shortly after I realized my payments were not on my Statement then after disputing with JCP Customer Service then claimed an internal investigation would take place I also called the Store in XXXX Ca. Filed a complaint! I was told JCP was removing all their XXXX XXXX from JCP still my payments were never found I was given the run around and told I should have called the JCP credit card bank that issued my credit! I thought I had been calling them the whole time! I have been fraudulently deceived as JCP stole additional payments through there XXXX XXXX as I also tend to make a cash payment when making a purchase and On XX/XX/XXXX I made my normal {$100.00} through the store to find out my interests rate had Sky rocketed and my minimum payment was now over XXXX XXXX monthly! They flagged my account although I never missed a payment And decreased my credit line to XXXX /and charged me a late fee ; that has since been credited back But did not adjust the inflated interest rate to top off I was being charged XXXX XXXX  monthly in interest And also the JCP Credit Card app the force you to use is useless as you can not view payments instantly nor transactions only statements that do not upload until statement date! I have been a victim of fraud by JCP would them investigated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX  XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Product: Mortgage

We submitted a refi application to Academy Mortgage in XXXX, Texas the beginning of XXXX 2016. To date, the company STILL CAN NOT give us a closing date and said the appraisal company is not being responsive. It has been almost 90 days ... .90 DAYS! As of this writing no one at the mortgage company will give us any information on when. They have had our information all this time, and each month we keep submitting updated statements, payroll stubs and the same paperwork as the original. It 's like they lose it and start all over again each month. All the assistant there is saying now is it is held up in appraisal department. Two appraisals have been done, one wrong and the second right but they have had the last one for nearly a month. The first one was done completely wrong and it took over nearly a month from the time it was ordered to get one done and back to the mortgage company. So they had to order another one. And the second one took two weeks to get to the mortgage company and as of this writing they are still asking the appraiser for more information. Something is wrong because now we can not now get any answers from the mortgage company as to what is really going on or a closing date ... .NOTHING! We were told by the mortgage company a month ago it was already conditionally approved and it was in underwriting. But again no closing date is being given and the story is changing. This is bad. Please Help!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020, my son sent me {$40.00} dollars through Cash Appt. This is a appt own by Square Inc. according to the website. I did not know how to get the money so I called the customer service number from the website. I spoke with someone named XXXX. He said he would help me get the money. Once he got into my account he proceeded to take money and send it to someone named XXXX XXXX. I am a senior and I really don't know a lot about this, but I know they took my money. I reported this to my Bank : XXXX XXXX to investigate. They gave me a credit of {$620.00} dollars the amount they had taken until l my dispute was resolve. Last week they sent me a letter saying the company verify the transactions. I don ' t give a care what they said, I am a retired XXXX XXXX  and I don't have {$620.00} dollars to send to anyone. I questioned XXXX XXXX investigation by sending them a letter expressing my disagreement. I haven't heard back from them, so I'm waiting. Your help is needed in stopping these people from continuing to scam people who are simply living from check to check. I tried reaching out to Cash Appt. and they deleted my account and banned me from ever using the appt again. Your help will be greatly appreciated.
Product: Checking or savings account

On XX/XX/2022 I deposited a check Through Mobile App BANKING after following the same routine for over XXXX XXXX  The funds were being transferred from the same financial institution that i have routinely been transferring into this BOA account every month for the past XXXX XXXX 

On XX/XX/XXXX I took a picture of the check in the correct amount that was supposed to be deposited into the account. ( There is a long history of me making deposits for my monthly bills on the XXXX - XXXX of every month ). 

I MISTAKENLY typed and submitted the incorrect amount on the description tab. But the correct amount was written on the check that i submitted a picture of. 

Once i noticed i typed in an error I RESUBMITTED the typed correct amount. 

I explained and provided DOCUMENTATION to BOA that I HAD JUST HAD XXXX XXXX XXXXXXXX that SAME DAY. otherwise i would have never made this mistake. 

BOA has held my funds that should have been released the next day. causing me a world of financial hardship. I spoke with the institution that the funds were coming from and they assured me that the funds were cleared and approved to be dispersed to my account. 

BOA refused to release THE check and placed me on a 10 day hold causing my monthly bills that come out of that account to bounce. I am also being charged service fees on my end for having insufficient funds. 

After speaking with 4 representatives who forwarded my complaints to upper management I was routinely told that the hold could not be released and that their was nothing that they could do to service me. Considering my history of deposits with BOA. Against DOCTORS ORDERS i was instructed to go into a BOA location to get this resolved. In talking with Management at the BOA location i was not helped at all. They actually told me that i would be responsible for all fees placed on my account and they would not accommodate me in releasing my funds. Not only can i not pay my bills on time I am experiencing anxiety with not being able to trust that i can do earnest business with BOA. After XXXX XXXX
Product: Checking or savings account

FUNDS WERE ILLEGALLY TRANSFERED FROM MY CHASE BANK SAVINGS ACCOUNT TO A THIRD PARTY, XXXX XXXX.
Product: Credit card or prepaid card

Date XXXX XXXX Bank of America send me letter, with information than a someone, for my name- on my name made application for accredit card or loan at Bank of America. I am no longer a member/ user sincXXXX XXXX. I didn't made that application and i sure know that is a theft of my personal information.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) and Navient : Are reporting against my credit in XX/XX/2017, as a combined report. 
I just learned about this and could not dispute this. 

How are two different companies reporting late payments and why wasn't I notified? 

I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually Navient and CES ) - original documents needed for review ). 

( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individually Navient and CES ) - original documents needed for review ). 

( 3 ) I looked online XXXX and Navient are two different companies ; how, are both reporting the same XX/XX/2017 late payment??
Product: Debt collection

These accounts are a violation of 15 U.S. Code 1692c
Product: Debt collection

Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed my collection with XXXX for XXXX XXXX  with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.
Product: Mortgage

I initiated a 15 year fixed with cash out loan with Bank of America around XX/XX/XXXX ( loan/application # XXXX ) with XXXX ( MLS # XXXX ) with initial credit score of XXXX and no mortgage on personal residence. Bank of America failed to close the loan within a reasonable period and had to restart the loan process around XX/XX/XXXX ( loan/application # XXXX ) with both XXXX and XXXX ( MLS # XXXX ). I timely supplied B of A with all requested material and have an exclusive banking relationship with them for over 20 years ( they had multiple information about me at their fingertips ). After endless amounts of delays by B of A, the rate lock expired and the closing costs soared by multiples. At no time, after repeated requests, did B of A offered to absorb the fee due to their delay. By XX/XX/XXXX a third application was submitted by B of A ( # XXXX ). However by XX/XX/XXXX I received a letter with conditional approval for loan # XXXX. I 've lost track of the number of applications/loans this bank started with me for a simple cash out 15 year loan with a customer of 20 years with all my business 's with them ( now former ). Unfortunately, they came back to me and said their credit score they had on me expired and they need to make another HARD inquirey. This knocked my score from XXXX at the start of this to my last score that I recieved to close this loan at XXXX costing me an addtional {$840.00} in closing cost by my closing with XXXX on XX/XX/XXXX since my score was less than XXXX ( premium level ). There was no other credit checks while this was going on. This also created an increase in origination fees from my original loan request back in XX/XX/XXXX with B of A relative to my final closing with XXXX on XX/XX/XXXX. I ask that B of A, one of the architects of the Great Recession reimburse me for the costs associated with their negligence. I have tried to negotiate with their supervisor ( XXXX NMLS ID : XXXX ) and their regional director ( I believe his name is XXXX ) he never returned my numerous phone calls ) to no success. I would like enforcement action for violations of Dodd-Frank laws, Federal Trade Commission, Office of the Comptroller, and any other enforcement agency to correct B of A behavior. It is quiet obvious they are still not taking responsibility for their deceptive practices and the costs it has on consumers like myself. My increased closing cost was near {$4000.00}.
Product: Mortgage

PHH Mortgage ( " PHH '' ) purchased my mortgaged on or about XX/XX/2021. All of my mortgage documents pre-PHH clearly indicate that my home insurance policy is not to be paid out of my mortgage account. The funds in my escrow account are only to be used to pay for property tax. 

On XX/XX/2021 PHH funded a check from my escrow account in the amount of {$1100.00} and sent it to my home insurance company. The amount of this check does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount. On XX/XX/2021 PHH funded another check from my escrow account in the amount of {$810.00} and sent it to my home insurance company. The amount of this check again does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount.

I have contacted PHH on numerous occasions to make it clear that they did not have my authorization or permission to utilize the funds in my escrow account to pay for my home insurance. Beyond that, they made these unauthorized payments to my home insurance company on two separate occasions in amounts that do not even accurately reflect my home insurance premium. 

I have continued to contact PHH and express concern that they will raise my monthly payments because of the deficit in my escrow account -- which they created. 

PHH has failed to return any of my calls or messages in over a month. 

I feel I have no other recourse but to submit a claim that : 1 ) PHH accessed funds in my escrow account without authorization or permission, 2 ) PHH has caused a deficit in my escrow account which will likely increase my monthly payments due to their unauthorized access and through no fault of my own, and 3 ) PHH has failed to address any of the concerned detailed herein.
Product: Mortgage

XXXX of XXXX we applied for and were granted a forbearance on our mortgage. We skipped 5 payments. We have made all the payments on time after the 5 skipped payments. In XX/XX/XXXX Citizens approved the repayment plan to set the past due payments at the end of our current loan ( see attached ). I have had to call and make payments through the loss mitigation department and most of the time I have great difficulty understanding the person I am talking to because the call center is not in the U.S. I have called and asked that our account be moved out of loss mitigation at least 10 times this year. No one has been able to tell me why our account is still in loss mitigation. I was told several different things by every person I have talked to, " your account in under review by our investors '', " our department is behind and we don't have the staff to get caught up '', everyone of the calls I was told that person would expedite our account and I should call back in 2 weeks, the last person I talked to told me it would take at least another 90 days but could not tell me why. Because of this our credit report shows us as delinquent. We are unable to use their website to make payments and I must verify a large amount of information every time I call. We feel like we are being punished by this company.
Product: Credit reporting

Requested credit report from TransUnion. Upon receipt of report, found XXXX items ( i.e., liens ) on the report which did not belong to me. I obtained copies of court records showing that the XXXX liens reported by TransUnion on my credit report were not mine but, rather, they were liens belonging to other individuals. I contacted TransUnion and filed a dispute, file # : XXXX, with them. I also faxed to TransUnion the copies of court records showing that the liens were not mine. Nevertheless, TransUnion removed only XXXX of the XXXX erroneous entries on my report. To make things worse, TransUnion instead deleted a positive record from my record ( a bank loan, " never late '' and paid off ). Are these people idiots?!!!
Product: Credit reporting or other personal consumer reports

Inquiries that I do not recognize and do not authorize
Product: Checking or savings account

I've contacted BOA several times on hold for more than 30 mins just to close a checking account. IN the meantime I was given a XXXX XXXX monthly maintence fee, because I simply can't get through to close my account. I contacted XXXX, their chat bot, she doesnt provide an agent. Shes sent me to several numbers that say they can't assit me, and I'm not calling again on hold for an hour to close an account. I work for a bank - you need better access BOA i've been with you for what 20+ years. This is silly. Please close my checking account after you refund an extraneous maintence fee i ' recieved because I lowered my balance .... TO CLOSE MY ACCOUNT. 

Thank you XXXX XXXX Checking Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$29000.00}
Product: Credit card or prepaid card

I, the natural living person, am notifying the CFPB of the billing error on the accounts I have with Citibank. I received a statement from Citibank stating that if there are any issues with the statement, to notify them within 60 days. I have already requested documentary evidence that I owe Citibank, and they have not provided that. I understand under 12 CFR 1026.13 ( 6 ) that it is in fact a billing error when the consumer requests additional clarification which includes documentary evidence. Citibank is still stating that I owe them, when in fact, they haven't provided any documentary evidence to prove that. I have notified them that I, in fact, am aware of this billing error and it needs to be corrected. I provided them with a billing error notice, explaining to them that I have reasons to believe that there is a billing error, and included the amount of the error that exists. As of right now, this billing error has not been corrected and Citibank continues to create more billing errors on my account. Citibank has also closed the XXXX accounts I have with them due to nonpayment when I have advised them that there is a billing error. Citibank is prohibited from closing accounts or taking adverse action when the consumer notifies them of a billing error, which is also under 12 CFR 1026.13 ( d ) ( 3 ).