23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX report a scam or fraud complaint with a transaction with Bank of America. 
They respond that they dont deal with XXXX XXXX, not able to report anything with the scammers. 
The reason I try to contact them with the issue because I have been scammed by a contractor. 
XX/XX/XXXX transfer a {$2000.00} through XXXX with Bank of America to XXXX XXXX XXXX for renovation project deposit. 
I total transfer {$6000.00} to XXXX XXXX XXXX the contractor through check and XXXX. 
XXXX XXXX contact XXXX XXXX XXXX for the project start, he disappear with no response. XX/XX/XXXX contact him finally got response by request more deposit, I send him formal request for cancel the contract refund the deposit, he agreed. 
But 51 days, XX/XX/XXXX he did not refund a single cents to me. 
Already try to results the issues on XX/XX/XXXX with XXXX, XXXX XXXX XXXX did not respond. I also file this with federal trade report, and state attorney general. But the back doesnt try to help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a late payment for XX/XX/2019 on the XXXX - partial account number XXXX ( please see page 4 of the attached credit report. ) We were going to try to start automatic bill pay however the first time we tried to use the bill pay the payment didnt take go through that first month so we went back to manually paying this bill. I thought for sure that the original payment would have gone through in time however it did not. We got worried and paid it again. By this time it was too late and we were reported late in XX/XX/2019. This inaccurate reporting is harming my credit score.
Product: Debt collection

checked my credit report and noticed collections that is not mine ... victim of identity theft!
Product: Mortgage

The lender 's conducted a corporate assignment. Reduced my payment from XXXX to XXXX then initiated foreclosure against me for the shortage it created. My payment was unapplied and my home is scheduled for sale on XX/XX/2023. 

Why did my mortgage payment change? May I receive a copy of the new modification agreement and pay schedule?
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX CRED Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX BANK XXXX Account XXXX : XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from XXXX  and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX XXXX  and have had XXXX XXXX and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX  - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5.  XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2.  XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5.  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX  , XXXX  . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX  XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX/XXXX  Credit Line XX/XX/XXXX ; XXXX  -XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX   XXXX/XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX XX/XX/XXXX ; Trans Union/XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX   XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX dXXXXd now.with no help
Product: Mortgage

Seterus, our current mortgage server is trying to pull a fast XXXX on us. We have a fixed rate mortgage at 2.00 % interest, we received a statement this weekend that now suddenly says 3.00 %!
Product: Mortgage

BBVA Compass bank misled us during the housing crisis in 2011 when we sold our home in XXXX, FL. We sold our home at a lower price than it was worth. We were desperate and sold our home for {$170000.00} to the buyers. There was still a balance of approximately 77,000 dollars after the sale. Instead of a short sale, we have been paying on this balance which shows up as a mortgage on my credit report since 2011. After paying on time for 7 years, we still owe them XXXX ( no late payments ), indicating that we have been paying mostly interest and our loan is set up as a mortgage. We never got any official papers regarding this arrangement, and they still had a lien on the property in question that we sold in XXXX, Florida until we called several times to advise them of this. It is still showing up on my credit report as a primary mortgage. The person that set up the transaction has never returned my phone calls over the past several years since this transaction took place. I am a mother of XXXX young children, my husband is unemployed, and we are sinking under this debt financially. I have never missed a single payment, but we are struggling and would like to be forgiven of this loan which was a true misrepresentation. We did not short sale officially, but in essence, that's what is was. Our family is really struggling to make ends meet. We really need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A subsection2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

My XXXX  loans were transferred from XXXX to XXXX in XXXX of XXXX. A year later, the XXXX accounts are still showing as open on my credit reports resulting in double the amount of loans on my report than I truly have. I have emailed XXXX to get this resolved with no response to them. I filed a dispute with experian regarding the loans on XX/XX/XXXX. However, the disputes were closed on XX/XX/XXXX and the loans left open on my credit report. XXXX has had a year to make this right and they have not. This negatively affects my credit.
Product: Credit reporting or other personal consumer reports

I am formally requesting the REMOVAL OF LATE MARKS ONLY from the following accounts in my credit profile, as they are misleading and erroneous. Under the Fair Credit Reporting Act, 15 USC sections 1681i, you are required to complete your investigation within 30 days ; failure to do so will result in a violation of the Act and potential investigation by the Federal Trade Commission : XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide evidence that these accounts belong on my report and ensure that my rights have not been violated. If no record exists, update the inaccurate account information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I don't have any knowledge regarding this, and the company did it without my consent.
Product: Prepaid card

I loaded {$420.00} cash to my rush card at XXXX XXXX on XXXX and I am still waiting almost 3 weeks later to see the money on my card. I have emailed and called customer service on several occasions but they still have n't resolved this issue. I even mailed the corporate office a letter with a copy on the original receipt from XXXX
Product: Credit reporting or other personal consumer reports

Sent in Disputes for accounts reporting on my consumer report inaccurate information. I requested deletion of each account. These accounts are unverified and are a violation of the FCRA because they are still reporting on my consumer report. ( XXXX and XXXX XXXX ) are the accounts that are inaccurate in reporting and must be deleted immediately.
Product: Checking or savings account

My card was stolen and used from XX/XX/XXXX. XXXX  threw XX/XX/2021 while I was in the hospital and rehabilitation recovery from being attacked and stapped seven times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX  credit bureaus ( XXXX, Equifax, and XXXX ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.
Product: Credit card or prepaid card

Hello, This is about my credit at XXXX XXXX XXXX. I open this account on XX/XX/XXXX for the XXXX of my XXXX year old son that time who's XXXX XXXX  needs to be corrected. That time I really couldn't afford the expenses, they said I have to pay over {$3000.00} to correct his teeth and it would be better to do it while he's still young. They said I can open an account which I can pay interest free for two years, which I agreed. I made every effort to pay this account for 2 years and on XX/XX/XXXX, I received a statement with just a balance of {$200.00}, I made a payment of {$100.00} and on XX/XX/XXXX, made another payment of {$100.00}, I mislooked the XXXX cents. The following statement with the closing date of XX/XX/XXXX- my new balance went up to {$710.00}. They added {$710.00} as " interest charged ''. I was so surprised and called the bank but they said I missed the deadline of the plan expiry date which is XX/XX/XXXX, they said it's a differed interest rate and once I missed the expiry date, all the interest for 2 years will be added to my account. I was really mad, my account has a very low balance and I made it sure that I pay on time and I can finish it on the deadline. I called them XX/XX/XXXX and they said they could't do anything but I have to pay all the interest rate. My balance is just supposed to be only XXXXc which I just mislooked. Please help me, this is a big burden on my family 's finances. Thank you!
Product: Checking or savings account

In XX/XX/XXXX I opened an account with Ally Bank, there was a promotion of 1 %, I put XXXX in the account and never received the {$100.00}. I have been told that they payouts started and mine would be in by XX/XX/XXXX. No payout at this time. Customer service had stated they had issues and since its less than 24 hours with no response to place the bonus in on the money that was kept through the promotion deadline XX/XX/XXXX and still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

amex credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX  XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX  XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and Id along with my ssn card was stolen. I call XXXX TransUnion and XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX that I obtained my identity theft police report from. Unfortunately that wasnt possible after speaking to fraud department agent XXXX team name : XXXX  who became very aggressive belligerent with me during my attempt to dispute my fraudulent inquiries. Which she stated I cant dispute this inquiry because you have an account associated with it but that was a compete lie. So I then asked to speak to a supervisor and she transferred me to supervisor agent XXXX I asked him to provide me with his id number or team name and he refused it stating he cant give that information. I then acknowledged to him that his agent XXXX aka XXXX lied and told me I had an account with XXXX XXXX XXXX  and he admitted I didnt have an account from XXXX XXXX XXXX  and that he apologized for the mistake. I accepted the apology and proceeded to move on with my disputes but he informed me that he couldnt help me moving forward with my disputes so here I am now having to dispute these inquiries with the cfpb. Please delete unauthorized inquiries as follows for I dont have any accounts associated with them nor did I receive any credit from them : 1. XXXX -XX/XX/24 2. XXXX XXXX XXXX XXXX XXXXXX/XX/24 3. XXXX XXXX XXXX- XX/XX/24 4. XXXX XXXXXX/XX/24 5. XXXX  XXXX XX/XX/24, XX/XX/24 6. XXXX  XXXX XXXX XXXX XX/XX/24,XX/XX/246.XXXX XXXX XXXX XX/XX/24,XX/XX/24 7. XXXX XXXX XX/XX/24,XX/XX/24XX/XX/year>
Product: Debt collection

North Eastern Processing XXXX call with a recorded message saying they have made many attempts to contact me and this is their final attempt. They said they have XXXX counts filed against me and they are going to call the county clerk if I do n't call them within 48 hours.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TRANSUNION, XXXX, AND XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to my consumer Credit Report. This action by TRANSUNION, XXXX, AND XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. As custodians of these records, TRANSUNION, XXXX, AND XXXX are bound by FERPA regulations. However, they have egregiously disregarded these regulations by Furnishing/reporting transaction histories to consumer reports without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. XXXX/DEPARTMENT OF EDUCATION 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. Despite my attempts to rectify this matter directly with TRANSUNION, XXXX, AND XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking accountability for Their actions. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Removing All of the Information pertaining to financial transactions that associate with my Education that they furnished upon my report. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.