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

XX/XX/2019 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN. XXXX XXXX : The Home Depot Account Ending in XXXX To Whom May Concern : The reason for filing this complaint with your agency is due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusing to set up a payment arrangement on my Home Depot account ending in XXXX. 



Most importantly ; the customer service representative that I spoke with told me the account needs to go into default before they would consider any workout plan. I firmly believe, this plan is irresponsible for XXXX XXXX XXXX XXXX XXXX to offer that a customer account be reported delinquent instead of working out a payment plan. I am extremely disappointed in the way your company policy continually handles business. Not to mention the fact ; I even offered to pay {$120.00} a month payment plan and they referred me to an outside agency. 




Furthermore, I am requesting to have this complaint investigated thoroughly. I would like to thank you in advance for your prompt response and assistance in this urgent matter. 



Respectfully, XXXX XXXX
Product: Debt collection

I received a medical treatment at the XXXX Hospital in XXXX XXXX CA back in XX/XX/2017, All the bills were submitted to my medical insurance XXXX which processed the claims and paid what was allowed. 
Months later, I started receiving collections calls from CMRE. XXXX stating that XXXX XXXX XXXX XXXX of the XXXX XXXX Hospital has a bill of {$1200.00} that I need to pay. The same bill has already been processed by my insurance and said the charge was too high but only {$200.00} should be the allowed amount. 

I tried getting more information from the CMRE collection agency but they referred me to talk to the hospital instead ; I then called the hospital which insisted my account has a {$0.00} balance due, all my bills have been paid but asked me to check with XXXX XXXX XXXX personal office about any outstanding bills. I called the Dr office and the assistance told me there was nothing in the system referring to any amount of money owed to them. 

Therefore I called CMRE back again to request the immediate removal of the collection on my account which they refused. 
This false collection has been on my account since XX/XX/2017 and  hampering my ability to maintain a good Credit Score for a loan. 

I need this mater taken care of as soon as possible so I can focus on other aspects of my daily life and future. 

Thank you http : //www.cmrefsi.com/ NameCMRE. XXXX Phone ( XXXX ) XXXX Business TypeYC Street AddressXXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateXXXX ZipXXXX https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't believe what I selected describes my problem, but I thought it was the closest. Any how I submitted a complaint with Cfpb regarding credit report with Experian that on the report were accounts not mine. Complaint # XXXX. The one was deleted XXXX XXXX XXXX and the other was not XXXX XXXX. You gave me a new report showing that XXXX XXXX XXXX was not on the report, but XXXX XXXX was still on. You also on the first page of this report list : XXXX XXXX XXXX IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY- OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT. 

I want the above statement removed from my report. It is a stupid thing to state about XXXX   XXXX. You know that I called them repeatedly at different locations and numbers to tell them that it is not my account. They even verified that it is not mine. So. I want this whole statement removed along with the account XXXX XXXX. 


On page four at the top of new report. I want this statement removed, because I did not give it to you. Never gave this statement, so I don't know where you came up with this. Want this removed : " ID SECURITY ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME ( This absolutely does not make sense ) OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINING XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$64000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$8100.00}XXXX XXXX XXXXXXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continue to violate the FCRA requirements with my dispute with XXXX XXXX account XXXX. This account has been Re-Aged from XXXX to XXXX. Re-aged account is a serious violation of the Fair Credit Reporting Act requirements by Experian. This violation by Experian is causing harm and injury to me preventing me from obtain financing.
Product: Mortgage

In XX/XX/2020, my wife and I met with a loan specialist at Fifth Third bank in XXXX XXXX Ohio. The gentleman promised us a new mortgage rate of 3.89 % if we refinanced our loan with him. 

We submitted all information requested including paying our HOA a fee for documents requested. We were told that we had been approved, but the process was delayed by underwriting. For five months we waited.

The branch manager apologized and told us that the rates had actually dropped so we'd be getting a better rate, just to be patient. At the end of XX/XX/2020, the loan specialist called to notify me that we had moved to closing. But when I asked about the lower rate we had been promised. He told me that the rate had actually increased to 4.29 %.

When I questioned this with the branch manager he made multiple excuses and was rude. 

I believe this to be bait and switch tactics and will never consider doing business with Fifth Third in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXXXXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on  numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
Product: Payday loan, title loan, or personal loan

I was approved for a loan on XX/XX/XXXX. They sent me an email asking me to upload my ID and utility bill. I followed the directions. I hadnt heard back from them, and I noticed it was taking a while, so I called them in the middle of XXXX. The woman on the phone asked me about a confirmation code, which I could not find ( I am not sure if I received one and/or recorded it ). She said she had an alternative method for me to upload the documents. She explained it to me. I uploaded a new bill and ID. I recorded the confirmation number. 
I called on the evening of XX/XX/XXXX but didnt get through. Then I called again the next day. The woman I talked to said my application was closed because it was more than 30 days old at this point. I explained that I did exactly what I was supposed to do, and in fact, I did it twice. She said that the other representative should have made sure I got a reference number ( different from a confirmation number and given by a representative ) so they could attach my documents to the file. It was a Friday when I called, so that wouldnt be done right away, and unfortunately the paperwork wasnt put together on time, she explained. I asked to speak to a supervisor. The woman said that she would say the same thing, but I asked anyway. I explained the situation. The supervisor said she would escalate it, and have a senior lender take this into consideration. Two days later, I received a letter dated XX/XX/XXXX stating that I was denied. 
I called and spoke to a man who said he would have to put me through to sales. The woman I spoke with said I was denied because the credit check was more than 30 days old. My issue is that I sent in the paperwork in a timely fashion, and I was approved, only to be denied due to their negligence. Here are the confirmations for the second upload on XX/XX/XXXX : ID XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this info by phone and by certified mail last year. The last time I disputed inaccurate information was in XX/XX/2018. I received correspondence soon after that. They gave me a credit file number of # XXXX and a credit report with many inaccurate accounts and address. I resent all the items out today with the FCRA violations, my police report, and my FTC report. There are many items that should not be on my credit report. 

They even have my old two work address as a home address. One was a temp agency. I never ever received mail at these address with further let me know that someone has my information. I know Equifax has had a data breach but they are not taking my dispute serious.
Product: Money transfer, virtual currency, or money service

I authorized a money transfer of {$5500.00} from my HSBC Premier checking account XXXX to the account of my relative in XXXX on XX/XX/18. This money was never sent, nor did it reappear in my checking account.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our numerous previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to remove the accounts : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things maXXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, CXXXX/XXXX, XXXX/XXXX XXXX , XXXX/XXXX   XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid the car note on XX/XX/2021 {$470.00} then I waited 4 days until the payment was cleared then payment was cleared not this finance company is saying they did not receive the payment that I was returned I feel they got the payment but is trying to collect an additional payment from me because this happens so often as if I don't keep up with the car notes I pay to them this needs to be investigated thoroughly been having a lot of issues with this company Ally Financial.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On my XXXX XXXX credit card account with XXXX XXXX they reported late payments for XX/XX/2022 and XXXX of 2022 each showing 30 days late. These late payments are incorrect I made minimum payments of the amounts requested and the dates requested. When I referred back to the billing statements it shows the payments were made. 
Due to code 15 usc 1666 ( 2 ) ( b ) they need to correct this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Speedy Cash keeps calling me. I have blocked speedy cash but they find a way to my voice mail and leave a message saying " This is a courtesy call from speedy cash ''. 
I have contacted them numerous times and explained that they have the wrong person and phone number. I have never been nor will ever be a customer of speedy cash. they say they will stop calling me then in a month start calling again. I have filed complaints with the do not call list and FCC. this never stops with these XXXX.
Product: Checking or savings account

Every time that I deposit money because my account got overdraft, they always have an excuse to charge a overdraft fee, even if it was during a holiday day, some transactions can take longer but not their overdraft fees. Customer service acts like you are asking them a favor, if you hang up and call back, the next customer service answering the call, tell you a different history
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 ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 file 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 item ( s ) from my report, immediately : Account : # XXXX XXXX XXXX of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I disputed school loans identity theft, XXXX, XXXX, deleted school loans but Trans union, did not delete, even though identity theft report was sent to them and they claim not to receive it even though USPS says it was delivered on the XXXX of XXXX. I also had other items and inquiries needed to be deleted due to Fraud. I sent a document of Identity Theft report and USPS RECEIPT with tracking number on it
Product: Debt collection

EOS CCA was assigned to collect on an alleged final bill from XXXX XXXX. They never sent any communication or a dunning notice to me. The address in the bill was incorrect even though both EoS CCA and XXXX XXXX had my correct address ( see attachments ). Additionally, although by their own admission the debt is from XX/XX/XXXX, they have incorrectly reported it on my credit report as XX/XX/XXXX, which will make it stay on my report an additional XXXX years. I never became aware of this debt until I saw it on my credit report. Even though they have violated the rules set to protect consumers like me, they have refused to do anything about it. I had no problem paying it, if it was legitimately owed, even though in all the years of having national grid I have never been made aware of it, if they would remove it from my credit report. They have refused to do anything to make up for their own mistakes and I am left with a wrongfully placed collection on my account. I would like this item removed from my credit report as it should never have been placed there.