23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in   XXXX   XXXX   we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to   XXXX   XXXX   XXXX  , please see the attached payment history with shows every payment that I have made on this account since   XXXX   XXXX   XXXX  . Unfortunately,   XXXX   XXXX   XXXX   is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on   XXXX   XXXX  . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $   XXXX due  XX/XX/XXXX .  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,   XXXX   XXXX   XXXX   is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
Product: Mortgage

XXXX XXXX hit my family hard and as of today we are still struggling way to much and we got XXXX  again! I have XXXX currently working on paying the back balance that processes they do to get this done takes forever but they are in the 2nd and final stage then paying the back amount will be paid soon! My mortgage company XXXX have been told this already and have been given then account number and they told me awesome great because they know I'm in this program with the XXXX  and XXXX  can't wait they want want want and the hell with that! I'm struggling my husband is still.out of a job 2 kids family of 4 and I'm almost am about to XXXX XXXX XXXX  to become an XXXX and now XXXX are being ridiculous! XXXX  is taking care of this but anything else that can help me get through I will.sign up for!!!!
Product: Checking or savings account

Tried to change account involving XXXX XXXX. As of today XX/XX/2018 no monies that are held have been transferred into my business, since mid, XX/XX/2018. Having made numerous phone call filling out duplicate XXXX forms. Two days ago I spoke with branch mgr to no avail. He was given same runaround. XXXX, XXXX & XXXX are all involved. My monies are being held in " limbo '' as one person stated. Evert time I call I speak to a new person. It appears they haven't a clue and to think of all the money that goes through these people it amazing as to the obvious incompetence. Amount they are holdind is approximately {$5500.00}
Product: Credit reporting or other personal consumer reports

This is regarding an inaccurate entry appearing on my Equifax credit report related to an account with XXXX XXXX. The account in question was charged off and closed in XXXX. However, it is currently being reported as open, with XXXX missed payments and an alleged outstanding balance of {$3000.00}. This information is incorrect and is negatively impacting my credit history. 

Details of the Dispute : Date of Charge-Off and Account Closure : XXXX  Alleged Debt : {$3000.00} Credit Bureau Reporting the Issue : Equifax ( XXXX XXXX is also refusing to resolve and they are reporting the information from XXXX XXXX  and Equifax ) Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX Code XXXX et seq. ), all information provided to credit reporting agencies must be accurate, complete, and verifiable. Since this account was both charged off and closed in XXXX, it should not be reported as open, nor should it reflect any additional missed payments or an outstanding balance. This inaccuracy is harming my credit profile and violates the provisions of the FCRA. XXXX provided no evidence that this debt is valid and that it should legally be reopened out of nowhere. 

I have attempted to resolve this with Equifax and XXXX XXXX, but the account is still being reported inaccurately. As such, I am requesting the CFPBs assistance in investigating this issue. Specifically, I request that XXXX XXXX and/Equifax : XXXX. Investigate the reported error and provide proof that the account was re-opened and that the alleged balance of {$3000.00} is valid. 
XXXX. Correct or remove any inaccurate entries regarding this account from my Equifax credit report. 
XXXX. Confirm in writing that the account remains closed and charged off. 

Thank you for your assistance in ensuring that accurate information is reflected in my credit report.
Product: Debt collection

Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XX/XX/XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

After approximately 15 years of being a customer at Bank of America my account was abruptly closed WITHOUT notice. I went to purchase some, much needed, medicine at the pharmacy and my card did not work. I tried to log in online and my account was locked. 

I called the bank to see what was going on and I was informed that my account was being closed. When I asked why I was told " The bank has the right to terminate its relationship with you at any time and has made a business decision to close your account. '' I asked for a specific reason and that is all that I was told. 

I had about $ XXXX in the account and I was told that it was being mailed to me and that it would take 10 to 15 BUSINESS DAYS. 

I now can not pay my rent which is due on the XX/XX/XXXX. I am going to get charged an approximately {$350.00} to {$500.00} late rent fee because I do not have any access to my money. I am also going to get charged late fees to creditors. I have critical medicine for some VERY SIGNIFICANT medical issues that I now can not pay for, for the next few weeks because I have no access to money. 

I also, have payments from my job that are supposed to hit my account via direct deposit. ON TOP OF ALL OF THAT I CAN NOT OPEN ANOTHER CHECKING ACCOUNT BECAUSE I DO NOT HAVE ACCESS TO MY MONEY AND WONT FOR POTENTIALLY 3 WEEKS. Had I been given even a 24 hour notice I would have been able to pull my money out of my account and take it to another bank. 

This is a COMPLETELY unethical business practice regardless of what the terms in the account agreement state. A bank has captial set aside for unforseen and XXXX business events. Yes, a consumer can close an account with a bank at any time without notice. A bank, however, has funds sitting in an account because this is a XXXX activity. A consumer does not expect a bank to close its account after 15 years WITHOUT NOTICE!!!!! 

I recently entered into a hardship program with my credit cards at Bank of America due to medical issues and I beleive that Bank of America is discriminating against me because I have entered into that program. I think this should be publicly communicated. I do not know what else it could be becaue Bank of America is being very secretive about why they closed my account
Product: Mortgage

I applied with US Bank my current HELOC holder for a subordination related to a refinance. They charged me a {$250.00} up front fee and did not tell me I would need to provide a full appraisal on my property in order to have my request reviewed. If I knew of that requirement I would not have paid the {$250.00} and I would not have submitted the request. I do not have a full appraisal and will not provide one. An appraisal is not necessary and it should not be required for the subordination as my 1st mortgage refinance is not a cash out. My HELOC is also at a XXXX balance. I am a mortgage professional so I know underwriting guidelines and normally lenders do not require an appraisal if my 1st mortgage refinance is not a cash out. I tried calling US Bank today multiple times today to discuss the issue and see if there is a solution. I also wanted to know why they did not tell me the requirements of the subordination before collecting {$250.00}. They refused to put anyone on the phone. They said that department is private and they are not allowed to give out the contact info. They also tried telling me to have my mortgage company call them who was handling the refinance. I told them I am calling from the mortgage company handling the refinance. I actually work for the mortgage company. US Bank collects {$250.00}, does not advise what is required for the process, then cashes the check and denies the request asking for something I can not provide. They do not allow anyone to call and find out how to resolve the denial and refuse to allow both the requestor and customer talk w their underwriting. I would not have paid the {$250.00} if I knew they would require an appraisal. I would not assume it's necessary because in my 30 years of being a mortgage lender I have never seen this requirement unless it is a cash out refinance. US Bank is free to have their own guidelines, even if they make no sense. However, they can not charge {$250.00} and then tell a consumer after the fact they need something the consumer can not provide in order to complete the service they charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} DXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I opened a savings account I deposited a check from a family friend to be able to put in my savings they had my check on hold and ended up putting it into my account so now my available balance is what the balance is and it wouldn't let me transfer to anything so I called and they said I needed to verify who I am but that was after I had called a bunch of times and they never had anyone in the office the lady said I can make the transfer of my remaining balance as soon as I verify my identity I did that and at the end she decided nope we can't do it and that they need someone to call or something I'm still not even sure what needs to be done for me to get my money out they told me my account was being closed it is still not closed it's not being closed I don't know why I want my account closed and my money out of it and they will not help me with anything they keep saying no one 's available no one 's available it's very frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( BOA ) sent credit card bill via email and I missed seeing it in mid XX/XX/XXXX. I also thought I had closed the credit card in XX/XX/2017.

BOA sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XX/XX/XXXX ). The {$12.00} bill was paid and then BOA closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a XXXX  alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this BOA credit card. 

I sent an email to BOA asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at BOA informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask BOA again to remove the reporting of a late payment from my credit report given the small amount. I realize that BOA does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.
Product: Debt collection

I demand LVNV FUNDING LLC to remove the collection that is being reported on my credit report. 

I have made my final payment and I was under the impression that LVNV Funding LLC, would remove and stop reporting the collection on my Credit Report once the last payment was made. 

LVNV is also reporting false information with the balance being incorrect. This is a violation of Federal Law 15 U.S.C. 1601, 15 U.S.C. 1692 and 15 U.S.C. 1681 and demand this information be deleted from my credit report.
Product: Debt collection

I received several phone calls from this collection company along with my mom about this debt. I have a voice message stating that they were contacting my job. I had a loan originally with XXXX XXXX, but they sold my debt to a collection company. I spoke with this collection company and asked for information about this debt, but all they kept telling me was I was going to court. I called a second time and the young lady wouldn't provide me with the name of her company, All she kept saying was the name of this company is called " XXXX '', I asked her for more detailed information and she would not provide it to me. I asked if they could mail me information about this debt to my home and they refused. The young lady even told me that they were no longer interested in payment, but I was confused as to why she was contacting me if you did not want any payment. On XX/XX/2023, I called XXXX XXXX and spoke with a representative who was able to give me that collection company 's real name. The debt collection company 's name is Reel Time Capital, LLC. There is no way you can tell me I owe a debt, but you're not able to provide me with anything in writing. I think this company is committing fraud and using bad collection practices. All I wanted was for them to be honest and provide me with more information, preferably in writing. That is the only method of communication I am open to having with this company if they're legit.
Product: Credit card or prepaid card

I was using a Citi XXXX XXXX card for years. After a horrible 4-month fraud " resolution '' nightmare in XXXX, I decided to start using a different credit card from my main bank, XXXX XXXX XXXX. 

I called Citi to close my account on XX/XX/XXXX to close the card, as I did not want to pay the annual fee that would trigger on XX/XX/XXXX. They said that they would waive the fee for next year, as they would like for me to keep using their product. Except on the next billing cycle, the annual fee was on the bill. I called to say that I was going to cancel the card, as my wishes were not followed, and they said it was too late and started making threats against my credit score for not paying the {$450.00} fee. 

I told them that I wanted to cancel the card. They would not process the cancellation of the card due to the unpaid balance. I will not pay this fee that they specifically told me I wouldn't have to pay. As such, Citi has  been just adding more fees and interest to this {$450.00} ever month since XX/XX/XXXX. I believe the amount is around $ XXXX, and now they are sending debt collectors after me and my credit score. How do I put a stop to Citi Cards? Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX XXXXXXXX {$13000.00}.
Product: Checking or savings account

The original debit card has expired and I have never received the new debit card. I have called twice to resolve the problem and I have gone to a branch that told me to call the customer service number. The monthly service charge seems to now be {$10.00} per month when before it was {$4.00}.
Product: Credit card or prepaid card

I have a Barclays Mastercard credit card with a small limit. Two months ago when I wanted to make a payment I was logged out of my account/ app and could subsequently not making any payment. Since then I have tried at least 20 times to phone to their customer service department. My average holding time is around 30-40 minutes. It is utterly impossible to reach any of their customer support people. Also, because I can not log into my account to do the payments, I have been reported as late payments which are completely messing up my credit score which will take me months to rectify.

I have lodged complaints via Social Media using XXXX  and they have been responsive and apologize, but did not offer additional help to get this resolved. 

How do I get in touch with a bank if the only way is through either their App chat functionality or email or call in to an utterly useless telephone customer service. This bank should not be in business. I have kept screenshots of my last calls as evidence what number I called and how long I was holding on.
Product: Credit card

Current customer of American Express for over 7 years. Continuously spend over XXXX $ monthly, and pay my bills on time. The last few months, something has been happening with my bank, that my payments are a day or two late. I called customer service, asked to speak to supervisor to see if the fees could be credited as a courtesy for being a long-time customer. The first supervisor hung up on me, and when i called back and asked for supervisor, the second supervisor did not even review my account, but told me that he will not credit anything, as people who spend more money than me dont even get credited. He was rude, and not customer oriented, and did n't give my account the time and review I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE
Product: Credit reporting or other personal consumer reports

This is my complaint to XXXX XXXX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me for I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.