23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Atlantic recovery is contacting me after I requested XXXX XXXX XXXX not to contact me anymore. I am telling the same reason that I am having financial difficulties and I can not pay right now. This is harassment. They cant understand that I cant pay right now. They just keep pushing and pushing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some inaccuracies on my customer report and Equifax refused to investigate the matter per federal law.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account associated with my personal information, which is appearing on my credit report. The account in question is listed under [ Account Number ], and I strongly believe this account is a result of fraud. I have never authorized or opened this account, nor have I received any communication or documentation from your company regarding it. 

NORTH STATE ACCEPTANCE Account number : XXXX Date opened : XX/XX/year> Amount : {$4600.00} The fraudulent activity surrounding this account is not only a violation of my privacy, but it is also a blatant breach of trust and potentially a criminal act. I demand the immediate removal of this fraudulent account from my records and an investigation into how my information was compromised. In accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting the following : Immediate investigation into this fraudulent account. Prompt removal of this account from my credit report. Written confirmation within 30 days that this issue has been resolved and the fraudulent account has been removed. A full explanation of the steps your company will take to prevent such incidents in the future. If this fraudulent account is not removed promptly, I will have no choice but to take further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states attorney generals office.
Product: Mortgage

US Bank has repeatedly been sending us erroneous statements, far too early in the month for our on-time payments to be recognized, with threats about late fees being due and the amount being due being doubled, simply because they printed and mailed the statement less th an two days after the previous payment 's due date. This is moronic and likely intentional, to see just who sends them more money, believing that US Bank never received the previous, on-time payment. We have called US Bank about this *and* we even previously filed a CFPB complaint, # XXXX, about this topic. They finally agreed to generate our statements on the XXXX of the month instead of the XXXX, so that this issue would not recur. They did this for just ONE statement, before now reverting back to sending the statements on the 3rd again, with the same issue - a past due balance, double our monthly payment, ignoring our previous payment, with late fees rolled in! 

Best case scenario, US Bank continues to show their flagrant ineptitude and incompetence in mortgage servicing by not being able to stick to their own commitments in generating accurate statements. Worst case scenario, US Bank is both lying to us *and* the CFPB, which should be a federal offense. 

I encourage the CFPB to review our previous case, XXXX, see that US Bank agreed to move our statement date, and then take appropriate action as it is abundantly clear that US Bank merely says one thing to placate the CFPB and the consumer, and then immediately goes back on their word. This should result in prosecution of the respondent to our previous complaint.
Product: Credit card

In my gold card ending in XXXX I was supposed to get a intro credit of XXXX dollars and a XXXX bonus miles. I met all the criteria for it and did not get it. I was never provided a valid reason as to why I never received it. I continue to pay the XXXX fee for this card annually .... 

Also on my XXXX cash card I recieved a late fee and interest charges for getting to pay one month. That card ends in XXXX, the late fee assessed is more than the current law that was passed by the government.
Product: Debt collection

I continue to receive repeatedly phone calls all through the day from ( Walmart ) calls from different phone numbers such as XXXX XXXX XXXX also phone number XXXX
Product: Credit card

Today XX/XX/ I asked Comenity Bank-AAA Travel Advantage Visa Signature for the {$220.00} available in cash back to redeem. Company was asking all kinds of information to establish my identity, which I provided for their satisfaction. Sent me a validation code via the phone, which I presented to them. They said they can't issue a check and my account is up for further investigation. I asked what further information they are looking for, they answered that I'm up for further investigation. My account is current with XXXX  balance, never been late with payments. 
Why is it so difficult to hold the company to their promise, or it is just a marketing tool for them, never intended to fulfill their promise?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX OF XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  - I filed a dispute with Equifax to correct false information on my credit report. The false information included someone else 's name, alias, date of birth, addresses, employment, mortgage and lines of credit. I provided copies of my personal information as requested by Equifax. 

XX/XX/XXXX  - Equifax closed the dispute and mailed a letter with their corrections. Equifax removed some of the false information, but left a false name, mortgage and lines of credit attached to my credit report. 

XX/XX/XXXX  - I called to speak with a supervisor to remove the false information. I was given a specialty case number. 

Current status - My credit report still contains the false information.
Product: Credit reporting or other personal consumer reports

Fraudulent, and unauthorized hard inquiry dated XX/XX/, needs to be removed and reported back to the credit bureaus for removal from my credit report. I do not recognize any application done with Capital One Bank and its is a case of identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to modify my loan in late XXXX through XXXX XXXX, I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest. XXXX XXXX then since late XXXX has reported XXXX late payments both 30 days late. I have never paid my mortgage more than 30 days late, I did all trial payments on time, I have contacted XXXX XXXX regarding their error and they do not correct the problem, I have also disputed the account with all XXXX CRA but XXXX XXXX continues not fixing their error.
Product: Credit card

I have submitted several complaints through this portal as well as made direct communication to Citi Bank in regards to XXXX card accounts I had opened around the XXXX  season at Wayfair and Bloomingdales. After opening these accounts I was given a digital card number to utilize my credit limit right away. 

I had attempted to use both these store cards to purchase XXXX gifts with that card number. However, after each attempted use, the transaction was canceled by the store merchant with no given reason. No orders were ever shipped to me. It should also be noted I never received any physical card for these accounts in the mail. 

In response to an earlier complaint Citi stated the Bloomingdales account has been closed as I requested. They are still however reporting and trying to collect a past due balance from me, as is the way fair account. 

Please can we have this finally handled properly and have both of these accounts closed and corrected to the {$0.00} balance that they are supposed to be at, as no purchases were ever completed.
Product: Mortgage

I initially purchased my Mortgage through XXXX mortgage and then my Mortgage was transferred to XXXX XXXX, XXXX XXXX, and now currently SN Servicing corporation. When I was paying my mortgage I kept getting wrong amounts due by months.. as a result I have been sent demand letter and the like from SN Servicing.. I believe under title 15 USC-1692a ( 4 ) my rights have been violated including the fact that SN servicing corporation has already been paid by XXXX mortgage but, had unlawfully trying to collect from me adding the amounts that are in fact incorrect.. can this matter be looked into..because SN Servicing Corporation isnt the original creditor which violates my rights as a consumer..
Product: Mortgage

Wells Fargo Mortgage department pulled my husband 's credit score on XX/XX/XXXX and pre-approved us for a home loan of XXXX XXXX. We put an offer on a home XX/XX/XXXX and our offer was accepted. We started the underwriting process and I have previously made the home mortgage department aware that I was seeking a grant through Nevada 's Home is Possible program to assist in buying the home. Wells Fargo told me that we would be closing too soon and HIP takes 45 days to process. We proceeded anyway. We put in our 30 day notice to leave our apartment on XX/XX/XXXX to move out by XX/XX/XXXX. We were scheduled to close XX/XX/XXXX, but the bank extended us, citing the underwriters needed more time. We extended with the seller to the XXXX. On the XXXX we were told the bank STILL needed more time. During this whole time they had requested some of our documents be resubmitted 5 times. We made sure they had them all as quickly as they asked for them. On the XXXX we were asked by the seller who was growing nervous of the sale to release our earnest money in good faith. I asked the bank if we were still good as I did not want to release money only for the bank to say no. The bank assured me that we would be closing and not to worry, to go ahead and release the money to not lose the home. I released it with their advice on the XXXX. On the XXXX, the bank called me as we were moving out of our apartment into storage units that our loan could not be processed as the credit score, pulled on XXXX XXXX was 3 points off. They had the score for nearly two months. We are now XXXX, out of our earnest deposit, appraisal and inspection fees, and forced to pay boarding for our pets and storage fees of {$400.00} a month til we find a home. Wells Fargo has offered no relief in this matter.
Product: Credit reporting

On XX/XX/2017 XXXX received a Letter for dispute via Certified Mail. 
XXXX, as of today, I have not received an answer from Exquifax from them regard my dispute. I requesting Proof of verification from the following Illinois Federal Court Bankruptcy # XXXX-Unverified Account XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late payment. 
I am requesting this information be Permanently Deleted due to untimely respond from Equifax and Inaccurate reporting of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I was checking my credit report and noticed this account was not closed which it should be.
Product: Credit card or prepaid card

They failed to address their No Fee Policies concerning their Fraud Prevention efforts. They failed to address the discrimination against my XXXX XXXXXXXX. They failed to address the invisible rounding down pennies of available credit below {$.00}. They failed to address the mockery and XXXX XXXX against my XXXX name XXXX. They failed to honor the cease and desist by continuing to attempt to collect the debt by offering a 60 % settlement offer. They failed to build the bridge between their departments and their Senior Leadership Team and Board including the CEO. They failed to build the direct and immediate bridge between their Advocacy departments, executive office/case specialists and their Senior Leadership Team and board including the CEO. They failed at addressing ALL of my concerns, delays and confusion caused by their behavior. They say they do business by the law. But then they wouldnt have had so many telebankers committing fraud by stealing social security numbers to increase their commissions ever since 2014. They failed to address that de facto structure of their business. They failed to address the maybe monitored bot prompts. They failed to address their dated glitchy computer phone answering bot who sends calls to random departments even when confirming I have asked to talk with the Fraud dept. They have failed to address the fact i had to be told by the fraud dept to ask the executive office to ask the credit services dept for the audit to fulfill the no fee policy. Instead of having a secure internal chain of communication to that effect. They failed to address anything of my concerns with this account. They failed everything. Total failure. They failed to address the fact Ive asked for the one and only person allowed to contact me to be their Chief Auditor since this entire fiasco is centered around the need and lack of an audit to assure and assist the fraud dept in fulfilling the no Fee policies and their instruction to me to stop making payments so as to keep the audit math as simple as possible for them for them to math the fees out and make sure all of the fraud is mathed out before reflecting an actual true debt amount. They failed to address the 60 % settlement offer being fraudulent bc the fees and possible fraud pennies might be mixed in with that math. MATH. THEY FAILED MATH. THEY FAILED THE FRAUD DEPT. THEY FAILED THE TEAM. THEY TOTALLY KEEP FAILING AT BANKING AND CLIENT SERVICES. TOTAL % 100 FAILURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized CRTFD CRDT XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Product: Credit card or prepaid card

I have been receiving child support payments since XXXX of XXXX. ReliaCard from US bank has been refusing to assist me. I called several times over the year of XXXX trying to figure out where the child support payments have been going with no help from customer service reliacard. Every time they said I didnt have an account but I do, I just found out today that I do have another account and the rep told me that I had a balance but then put me on hold and cane back saying her supervisor said she can not help me any further. After giving me the wrong number, I feel there may be inequities with the ReliaCard system because Ive been on hold now for nearly 2 hours and money held for going on a year. That is highly highly unacceptable.
Product: Mortgage

We were approved for a HAMP permanent modification and then my father ( the only borrower ) passed away. Ocwen informed me that they would have to revoke the HAMP while they process the Loan Assumption to me. After Ocwen approved the assumption, they now are informing me that I will have to reapply even though HAMP has expired.
Product: Credit reporting or other personal consumer reports

Macy 's credit card is still showing on my credit report. It's now 7 yrs old and should have been removed now. I've tried disputing it on the credit bureau 's but they refuse to remove it.
Product: Bank account or service

On three ( 3 ) separate occasions over the past 2 years, a charge has appeared on my Chase Freedom credit card account of {$16.00} from a company I have no knowledge of, and have never done business with ( XXXX & XXXX # XXXX ). When I complained to Chase about the erroneous charge, they removed it and closed the account. They then issued me a new account number, which meant I had to wait for the arrival of the new card, and then take the time to notify all my reoccurring charge accounts of the new number. I can understand how a scam company might somehow get a false charge posted to my account, but you can not make me believe it can happen 3 times, with XXXX separate account numbers without collusion with Chase. In all the many, many years I have had credit cards with various banks, this is the only time it has ever happened, and it was with Chase, and three times.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I have no information about them, and the company acted without my permission.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX  My information was sold and bought illegally because I was a victimof the XXXX data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has wipe my credit clean of this wrong doing to my credit. I will attached that as well. 

I'm asking for a deletion of these illegal accounts from my credit reports from XXXX and Transunion. 

As follower : XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance {$700.00} XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} XXXX XXXX XXXX Balance {$4000.00}