23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents. I want you to remove this inquiry as this is not authorize as soon as possible.
Product: Checking or savings account

I was the victim of identity theft but my ChexSystems report was still not fixed and corrected
Product: Debt collection

XX/XX/2020 - debt collector calls and informs me that are sending me the debt collection information to my previous address. I give them my updated address and not to call me again and that I will mail them with my questions, once I receive the letter. 

XX/XX/2020 - debt collector calls and informs me that sent the information to my previous address. They are impersonating a lawyer and that they will be pursuing legal options. I informed them that I have already provided my new address. Debt collector informed me that they are updating the address on their end and will be sending the information out again.
Product: Credit card

In XXXX 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of {$35.00}. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total {$55.00} in fess and interest. My new balance is {$91.00}. Additionally, my most recent statement states that my account is suspended.. I spoke the account representatives and a supervisor by the name of XXXX who stated that since the account still has a balance despite being closed the system reflects it as being suspend. However, I am requesting a review of this account status as a closed account should not be considered suspended. Suspension denotes that the account is active. How can a closed account be considered suspended? My most recent statements reflect I have a credit limit of {$200.00} and a cash advance limit of {$100.00} but no available credit for either. How can I have a credit limit of {$200.00} and a cash advance limit of {$100.00} when the account was closed? Additionally, I am requesting a regulatory review of the fess and interest charged for a closed account and reporting of derogatory information for a closed account to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent Experian a dispute letter for XXXX account from XXXX XXXX and XXXX accounts from XXXX XXXX and XXXX account from XXXX XXXX XXXX that is reporting on my credit report. I didn't receive nothing back, so i disputed it online now. I get my credit report on XXXX from Experian, and now its showing XXXX accounts from XXXX XXXX and XXXX Accounts from XXXX XXXX and XXXX account from XXXX XXXX XXXX ( THESE ACCOUNTS ARE DUPLICATES ). Also all of these so called collection accounts are showing as an open account, and they are not This is a Violation of 15 USC 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information, Also 15 USC 1681n Civil Liability for willful noncompliance and FDCPA section XXXX violation Misleading and false reporting.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was using Zelle attached to my XXXX  bank checking account and the wrong amount was sent and to the wrong. I immediately called the XXXX department called my bank and asked to be transferred to the fraud department but they refused to stop the transaction even though it was still pending and had yet to post to my account. I asked to speak to the supervisor, was transferred multiple times, and even had the call ended on me multiple times forcing me to call back.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My ssn was stolen by XXXX XXXX Ive never taken out any payday loans. I have a credit builder loan with my bank that I pay off and renew every 6 months. I want this removed
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX : Original creditor : XXXX  XXXX XXXX XXXX Account number - XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX  - Account number - XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681IS-2 15 USC 1692g
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX MI XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance XXXX : {$520.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX-***** Balance Owed : {$630.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed XXXX {$330.00} XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX XX/XX/year>
Product: Mortgage

I put in to submit a payment in XX/XX/2020. The payment did not go through and I did not know it until next months payment was due, I made the payment in XXXX and then made XXXX payment two weeks later. I also paid the late fee. Arvest central mortgage would not remove the late fee on my credit report.
Product: Credit reporting or other personal consumer reports

I noticed fraudulent activity when my XXXX XXXX was reduced by XXXX points after an unusual credit card was taken out using my credentials XXXX. The company is XXXX XXXXXXXX. I live in XXXX This company doesnt even have stores close to XXXX XXXX I attempted to cancel this card with the company itself and they could not cancel it since I didnt have the account number. Since this is fraud, I dont have the credit card or the account number information to cancel it. 
I disputed this with TransUnion and they said its all correct and not fraud. 
This is fraud. I can not even cancel this card apparently in my name since I dont even know have access to the account. 
So whomever opened this account and already spent XXXX $ on it gets to continue using this card since this account can not be closed since I dont have access to it but yet everything is in my name.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXXXXXX XXXX XXXXXXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, an account opened at XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account XXXX, an Cell Phone account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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 XXXX 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: Mortgage

1. I had a HELOC from XXXX XXXX XXXX that reached it's end of drawdown period on XX/XX/XXXX. The XXXX account number is XXXX 2. I owe approximately {$20000.00} on the HELOC. 


3. The HELOC was subsequently sold to Specialized Loan Servicing. The account number is XXXX. 


4. The payment amount due after the drawdown period ended ( the Second Payment Stream ) according to the signed Loan Agreement, dated XX/XX/XXXX, and the Transfer Letter from XXXX, dated XX/XX/XXXX, was to be 1.5 % of the outstanding amount per month which includes principal and interest. 


5. I confirmed that the monthly payment of 1.5 % would include principal and interest with a loan servicer at XXXX named XXXX on or about XX/XX/XXXX. She, in turn, confirmed that with XXXX XXXX XXXX 's legal department. 


6. The loan servicer at XXXX XXXX Mortgage also said that XXXX has historically and always calculated the monthly payment due after the drawdown period ends for interest and principal as 1.5 % of the outstanding amount. 


7. Interest on this HELOC is pegged to the prime rate, currently 5.5 % per annum. On the outstanding balance of {$20000.00} that comes to {$3.00} per diem, or {$96.00} on a 31 day month. 


8. At 1.5 %, the monthly payment on {$20000.00} would total {$300.00}. The interest breakout would be {$96.00} and the principal amount would be {$210.00}. 


9. Specialized Loan Servicing, the new owner of the loan, unilaterally changed the terms of the Agreement. 


10. Specialized Loan Servicing is now demanding that I pay 1.5 % of the principal due each month PLUS interest. 


11. Thus, the monthly payment according to Specialized Loan Servicing would be {$300.00} PLUS interest of {$96.00} for a total payment due of {$400.00}. 


12. This would be {$96.00} more per month due, creating an onerous additional payment and abrogating the original signed contract ( the Agreement ) and Transfer Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information by allowing themselves to be hacked ; and according to their website I am at potential risk for my identity being stolen according to their website XXXX.
Product: Credit card or prepaid card

I had a Banana Republic Visa card issued by Synchrony Bank. In a month of high usage, where I need to buy construction materials and make multiple payments to keep my card balance available, Synchrony bank abruptly terminated my account. 

While I do not contest Synchrony Bank had the right to close my account ; Synchrony bank acted in bad faith as my account was terminated right before the XX/XX/2020 statement was generated ; which in turn would have earned me approximately {$200.00} in reward points. 

My approximately {$200.00} points were forfeited with the account closure. This was a bad faith act. I was also not notified electronically about this action until I checked my online account ; this even though all my statements are electronic.
Product: Money transfer, virtual currency, or money service

I use paypal like countless other americans. Everytime I receive a payment though, paypal holds my money from me with no explanation or reason. I call the company and they tell me that all I need to do is link a bank ( which I can not because my account was hacked ) or to get a paypal prepaid card. I have a valid prepaid card in my possession. The card number is XXXX XXXX XXXX XXXX. I received a payment from a regular customer. They are holding my money AGAIN. I'm sick of it and I want something done about it this time. This is at least the 10th time they have done this. With the COVID-19 scare, I need my money. They completely shutdown and do not resopnd to messages for several hours if at all. I am tired of this service but have no choice because thats how my whiny clients want to pay. I need my money to help a loved one affected by the virus and Paypal continues to play games with me. At this point, be warned that I can not be held responsible for what happens if my loved one dies and my money not being accessible was the reason why.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have looked through the copy of my credit report from your bureau recently and noticed that there are five ( 5 ) unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. Each company has received a notice sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. In keeping with the Fair Credit Reporting Act, I am asking that my request to remove these inquiries is to be proceeded with immediate action and any and all unauthorized inquiries removed from my credit report. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my LAST NOTICE. Please remove the inquiries resulting from erroneous credit reporting.
Product: Checking or savings account

Usaa is behaving in a very irresponsible almost vile way. They have caused me to get my one of my credit cards closed as well as a result of their untimely handling of credit card payments. They insist on lowering my XXXX XXXX so they can in turn charge me more for their auto insurance even though I have never had accidents. Recently I took out {$2000.00} from my IRA which they posted immediately. I proceeded to get my money in cash before they would try to scramble their transactions. They saw did so for XXXX XXXX ( they ruined my day with my family ) proceeded to reverse said funds claiming XXXX had taken them. Unfortunately I had no way of contacting them. They wanted me to initiate a dispute which would take days. I want nothing to this with this bank please help me close it. I lost {$2800.00} in overdraft fees and theyre desperate to get more from their members. They deserve nothing but misfortune judging from their business scam.
Product: Credit card or prepaid card

On XX/XX/XXXX upon checking my credit score it was discovered an account I had since XXXX ( CareCredit, Synchrony bank ) was unexpectedly closed. This account was in good standing and had XXXX balance. I made contact with institution and was informed they closed account due to inactivity, high risk, and pulled credit report. My credit is in good standing and activity on account was last used in XX/XX/XXXX and balance was paid in full in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive contacted early warning services about this matter. Its multiple accounts and multiple email addresses, phone number, ssn, that was incorrect on my early warning services report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has been in dispute for over 30 days. I opened this dispute back a few months ago. 

XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX ( XXXX ) XXXX
Product: Mortgage

On or about XX/XX/2021, we sold our home in XXXX, Georgia. I am an XXXX XXXX XXXX XXXX Veteran, so my family has moved around a lot in the past. We moved from XXXX, Georgia, to XXXX, Georgia while I was on XXXX XXXX, but kept and rented out our home in XXXX. Once I got off XXXX XXXX, my family and I moved to XXXX, Ohio and sold our house in XXXX. We never received the escrow money from our mortgage company, Suntrust from the home we sold in XXXX. I did not realize this until we filed taxes this past year and we needed to get a copy of our XXXX. We learned that Suntrust had been bought by Truist, so we called them multiple times to try and get a copy of our XXXX, and I asked them to see if the check from our escrow was cashed. They said they would submit an investigation request on our about XX/XX/XXXX, and that it would be done on or about XX/XX/XXXX. They said they mailed our XXXX on XX/XX/XXXX. We never received our XXXX, and I called back on or about XX/XX/XXXX to ask for an update on the escrow money. They said that the investigation was complete, and we would get a check for about {$2300.00} in the mail. A few more weeks go by and then on or about XX/XX/XXXX, my husband called Truist again, and they said that they had cut and sent a check on XX/XX/XXXX. As of today, XX/XX/XXXX, the check has still not arrived and we are moving again this coming Wednesday. Every time we call, they say there are delays with the mail, but we never received the XXXX and they have told us at least once before the reason we havent got what we requested was because of processing errors. 

My husband just finished XXXX XXXX and I am in XXXX XXXX  We have two day care aged children. {$2300.00} should not mean anything to Truist, but for our family, thats an entire month of daycare tuition. 

The address I included on this complaint is the address well be moving this Wednesday. The address we gave Truist multiple times is XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I tried to sign up for alarm service with XXXX XXXX XXXX in XX/XX/2021. In the process XXXX advised that equipment will be {$1500.00} and will be financed by their " XXXX XXXX  '' Affirm. When we finalized the service arrangement, XXXX advised that it would take them 2 months to provide service and install equipment. I immediately cancelled service and received a XXXX airbill to return the equipment back to XXXX ( when it would arrive ). That equipment was returned via XXXX. I was assured that service would be cancelled and equipment refunded. BUT, XXXX home security did not refund the money back to their " inhouse '' lender Affirm and Affirm started collecting now {$2100.00} for money which is owed to them. I tried to contact with XXXX home security multiple times but they did not respond. Affirm did not respond to my inquiries either. 
I do not owe any money, as I did not keep any equipment and did not receive any service. 
PLEASE HELP