23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a gift for someone using my Kohls cash and credit card. It was for a dingle servce blender. I did not send the gift since the person travels for a living to their residence. It was well after the holidays that they were able to receive the gift. Alas, the gift was returned becaUSE OF THE California Warning on the box. When I returned the gift unopened to Kohls they refused because now there is a 90 day return policy. All my years with Kohls the returned policy was unlimited. I think it is horrendous that they can sell an item that clearly has a cancer warning on an item but there is no recourse for compensation if that was an inadvertent purchase over {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I received a loan with a finance company XXXX  XXXX, my loan amount and length of agreement were {$410.00} for 35 months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid
Product: Credit card

I've consistently upheld timely payments on this account, never allowing them to become overdue. The reports of late payment remarks on my accounts are unclear to me, especially considering 15 USC 1666b - Billing Error guidelines.
Product: Credit card

To whom it may concern : On XX/XX/XXXX I paid my bill under the above account number via the website. In my haste to pay my bills, I inadvertently selected the wrong account to pay the bill for XX/XX/XXXX. I was alerted to this minor discrepancy via a letter on XX/XX/XXXX that the payment was returned due to insufficient funds. I quickly got back on the website and set up a new payment with the correct account. The payment was submitted with more than enough time to keep my account in good standing with no late payments. As of XXXX XXXXXX/XX/XXXX, I was alerted to a major decline in my credit score and a repotted bounced check on my score. In looking into this I found my credit limit was decreased well below what the balance is on the account in what I can assume is a punitive measure on the bank 's part for an account that is in good standing and has never been late. Further, this oversight could have been fixed with a phone call or an email given the time frame of the due date. Today I called the customer service line at XXXXXXXX XXXX After a long hold, I talked to the first call taker XXXX XXXX XXXX ) who could offer no rhyme or reason as to why my account was treated in such a fashion. XXXX then put me in touch with XXXX who stated she was a supervisor. XXXX couldn't care less what I had to say and offered nothing but to call the credit department and seek to increase my credit limit which is counter-intuitive to keeping a good credit score. XXXX then hung up on me without even connecting me to the credit department. I then spent the next hours trying to get back in contact with someone that would help me. After XXXX separate attempts with an hour hold and one transfer to the mortgage department, I was connected with XXXX. XXXX unlike XXXX had the decency to listen to what had taken place and at the end of my explanation of what had taken place was baffled as to why the bank and its systems would have taken such a punitive sentence for an account in good standings and that has never been late. XXXX provided me with the format to seek upper management and connected me to the credit department and to XXXX. XXXX, like XXXX, was unprofessional and offered no meaningful customer service. In closing, I hope whoever in upper management can fix this unfair reporting to my credit file and dreadful customer service that cost me XXXX hours of calling time. Now my credit file is dinged XXXX or more points and the bank has turned my credit on this account 109 % over limit for nothing. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Bank account or service

I received an e-mail that there was an e-mail change for my online banking account. Immediately after receiving that, I logged in and noticed that my account was in a suspended state as a transfer had taken place of approx. {$900.00} to an unknown recipient. I received a call from Capital One 360 security and discussed the situation which resulted in my account being completely locked down and I no longer have access. This was on XXXX/XXXX/2016. I have tried calling every day and have been on hold for over 2 hrs several times without reaching a representative.
Product: Credit reporting or other personal consumer reports

I requested by phone to have an old address removed ; because it is not tied to any open accounts in my name. All of the accounts that this address is tied to were closed by original creditor. Credit bureau could not give me a lawful reason why it could not be removed, just that it was associated with accounts on my report.To address the removal of old addresses from your credit report, the following laws and guidelines may help : 1. Fair Credit Reporting Act ( FCRA ) The FCRA ensures the accuracy and privacy of information on your credit report. Under this law : Right to Dispute Inaccurate Information : You can dispute old addresses if they are inaccurate, outdated, or no longer associated with any open accounts. 

Verification Requirement : Credit reporting agencies must verify the accuracy of disputed addresses. If they can not verify the information, it must be removed.
Product: Credit card or prepaid card

Everytime I get over to the customer service department for the Way2go program through XXXX theres a XXXX person on the phone and they allways discriminate against me and block my card. First they were saying I was given them the wrong info in which they blocked the card twice and I had to get them removed. Also I asked for a replacement card and dispute form and it never showed up. The incident happened where I called in to ask for another card and for the fee to be waived and somehow my card thats in the mail got blocked and my account is restricted once again. Its allways a XXXX person doing it. They once gave me the wrong fax number and all. I feel discriminated against and also I feel as if they are trying to block me from recovering my funds back to my card.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Name : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Collection/Charge off XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$55.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to assist me in resolving some credit card debt. This law firm has successfully negotiated and completed payments on settlements with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX. 

Initially, Best Buy refused to negotiate with XXXX XXXX and I had to call into their office to get more information regarding their refusal to negotiate. My understanding through communications with XXXX XXXX is those issues were resolved and Best Buy now has an offer to pay off my credit card, and is refusing to take any action on this offer. Having this credit card debt is impacting my credit card score and Best Buy 's refusal to take action on the offer is furthering that damage to my credit score. Negotiations began in roughly XX/XX/year> as I was trying to resolve the issues with the negotiation beginning in early XX/XX/year>. As soon as a settlement is made, XXXX XXXX is ready to pay off the entire account with XXXX large payment. This truly should be an easy negotiation and Best Buy continues to refuse to respond which continues to damage my credit score and I don't think it's legal for them to refuse payments while my credit score continues to be damaged.
Product: Credit card or prepaid card

Activated a 10 % Cashback offer for XXXX XXXX with my Chase XXXX XXXX card. Made a purchase at a XXXX station with that card on XX/XX/XXXX. It shows in my account as XXXX XXXX XXXX for some reason, but the station is clearly a XXXX. Inquired with chase 's useless outsourced scriptreaders and only received their typical useless canned FAQ responses.
Product: Debt collection

They put debt on my credit and I never had an account with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME. THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED. I HAVE ALSO ASKED THE AGENCIES TO VALIDATE THE INQUIRIES WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT 60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES 7/09/2021,09/27/2021, 10/26/2021 & 12/21/2021
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Product: Checking or savings account

On aroundXX/XX/2019 I spoked with a Bank of America Rep about a {$12.00} maintenance fee or other bank fees. 
He stated that the bank fees and overdraft was going to be credited back to my account as long my new direct deposit from XXXX XXXX XXXX XXXX XXXX XXXX income of {$4300.00} is deposited on XX/XX/2019 at XXXX XXXX. 

Bank of America wasn't going to charge any fees. OnXX/XX/2019 I checked my checking account and I have derogatory fees of {$12.00} and overdraft in which my account is negative XXXX cents.because of the {$12.00} fee and overdrawn fees. 
OnXX/XX/2019at around XXXX XXXX XXXX time I spoke to Bank Of America Rep and she transfer to her Supervisor Mr.XXXX on a recorded log conversation, he was a Supervisor from Bank of America in XXXX XXXX and the time in XXXX was XXXX as he stated. 
Mr.XXXX  couldn't resolve amicably the issues of Bank Fees. 
I am respectfully XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

An overpayment was made by me to XXXX for my mortgage and I requested, and eventually received, a refund by check. They added a remark code to the credit bureaus that says " Account information disputed by customer ''. This has brought my credit score down substantially and it needs to be removed. They do not know what they are doing over there as they are a debt collection agency that started handling mortgages. They have been a nightmare to deal with since my mortgage was bought by them in XXXX! I have never been late as I am on auto pay. I tried to pay extra on my principle and they took out an entire mortgage payment plus the {$1000.00} extra principle payment. This was 2 weeks after my regular monthly payment came out. I simply requested a refund of the {$1000.00} payment. It took over a month and jumping through many hoops to receive that check. Just a nightmare! Now my credit score has been affected with their inaccurate reporting.
Product: Credit card or prepaid card

My XXXX XXXX Credit card ( issued by Popular Credit Services ) charged an annual fee of {$140.00} on XX/XX/2021. Due to the COVID travel restriction, I have not had the chance to travel in the past year and never once get to use the card so I decided to cancel the card. I cancelled the card within 30 days ( cancelled on XX/XX/2021 ) after the Annual Fee was posted to my account, but was informed that I still need to pay for the fee even after the card was cancelled! Tried to work it out with the reprehensive over the phone but they refuse to listen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to violate the FCRA requirements by continuing to report inaccurate address on my credit file. I have never live at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Mass. XXXX. I have provided proof documentation directly from my Massachusetts XXXX XXXX license clearly showing my home address that I have lived at for the pass 25 years. Equifax remove this inaccurate address from my credit report and reinstated without proper notification to me per the FRCA. This is a violation of the FCRA requirements. 

Equifax remove or delete this inaccurate address from my credit file immediately. Please send me a full and complete copy of my credit report showing this inaccurate information removed. I am once again providing proof documentation of my home physical address. Please see attached.
Product: Mortgage

PHH mortgage will not send me my promissary note, and will not comply with the terms of my loan modification, i was to receive a forgiveness for a portion of the loan, they refuse to do so. Charged me fees that was their error, they misused funds send to them.
Product: Student loan

I took out student loans and have been charged absolutely ridiculous fees. 
I was in school 2 years ONLINE and was charged over {$8000.00} for room and board, which I never had. I was an online student. 
School tried to hold my transcripts stating I owed {$3000.00} more dollars to graduate. 
Went to XXXX XXXX  online to get my XXXX of XXXX XXXX XXXXXXXX Graduated in XXXX. 
Loans have been sold multiple times and at one time 2 loans had 12 different companies owning them.
Product: Mortgage

To whom it may concern, Our original servicer had been XXXX. We were asked to submit a modification package and we did that in XXXX of XXXX. After I sent the package off I called to make sure they had a complete package. I was told had that time that our package was indeed complete and we would get there decision in writing. We waited and called asking what the status was and each time we were told it was still in underwriting. XX/XX/XXXX someone came to our home and posted foreclosure papers. We were shocked since we were still awaiting a decision from XXXX. We called XXXX at that time and asked them about our modification package. We weren't really given any explanation. It was almost like they knew that someone had dropped the ball and they didn't know what to say. A woman by the name of XXXX called us late XXXX around XXXX XXXX and asked if we could re submit payroll and they were going to try to figure something out. We resubmitted payroll stubs we waited. we got a letter denying our modification for reasons that did not make sense. They said that we did not see our hardship ending anytime soon and that was not true.My husband was working we wanted to pay our mortgage. We submitted an appeal and we were waiting to hear back from XXXX and they sold our loan to XXXX XXXX at the end of XX/XX/XXXX. We immediately called XXXX XXXX asking what we needed to do. We were told to submit another complete package. We did that and we waited on the 30th day we got a letter stating that they sold our loan to Kondaur Capital. We call Kondaur Capital immediately. We were told for one entire month that our file had not transferred over completely. Once they got our entire file we asked what we should do. They told us to submit of modification package.We have had sale dates on our home since XXXX of XXXX. We have had to file bankruptcy to stop the sales. Our house had a sell date just last week we began calling Kondaur leaving messages and emails our representative XXXX XXXX would not call us back.Finally my husband called Kondaurs main number and told them he wasn't going to hang up until someone could tell him what the status of our loan modification was. our house was up for auction the next day.XXXX finally got on phone he said he been busy. When we asked about our modification he said that they had decided the night before not to approve it. That was on XX/XX/XXXX today is XX/XX/XXXX and we still have not been sent anything with why we were denied. We went and filed a skeletal chapter XXXX to stop sale. This is crazy. We want to pay our mortgage. My husband is back working making more than enough to pay. Why wont they give us the chance. Wont it cost them more to care for home and then have to sale it. We will continue to fight. We understand we are at fault but we have been trying to rectify this situation for several years now. The longer it takes the more behind we get.Please we just want someone to listen to us.This has been our home for 18 years we want to pay for it.
Product: Credit reporting or other personal consumer reports

Recently, I did an invastigation 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 ( in ) 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
Product: Mortgage

Unfortunately I am going through fighting with my mortgage company BSI Financial. Who stated they would pay my property taxes via my escrow. Now I have received a letter from the town tax collector they have put a lien on my home because property taxes were not paid out by BSI. Their excuse was it isnt due until XXXX. The original letter states vey clearly {$780.00} was due XX/XX/2021 for XX/XX/2021taxes. Perhaps a mid year as the total is roughly as much. Im stuck between a rock and a hard place. I was not given a decision of who carries my loan
Product: Credit card

We had a Banana Republic XXXX Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by XXXX representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( XXXX ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time XXXX XXXX XXXX, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and what were fraudulent. We did this because we wanted to get away from this bank and the continuous fraud. We requested and were promised that documentation proving that the account had been paid in full and closed would be sent on XXXX. This information was never sent. In XXXX, we were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion XXXX. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In XXXX we received a check for around $ XXXX {$250.00}, reimbursing us for overpayment from the bank. On XXXX XXXX we received a bill on this closed account telling us we owed close to {$700.00}. When we spoke to a representative on XXXX about this charge they informed us that the amount reimbursed to us in XXXX was doen so in error and that the account had not be paid off or closed on XXXX as we were informed. On XXXX we informed the representative that we should not be held responsible for any charges made after XXXX when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this {$700.00} bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.
Product: Credit reporting or other personal consumer reports

I have some inaccurate names addresses phone numbers on my credit report years back I was XXXX  for XXXX  in my name from identity theft I was detained out of XXXX XXXX XXXX  was done my social and ID were being used Im still seeing my social security on a dark web I made an identify report with law I need these inaccurate information please assistance is needed in removing this inaccurate information Thankyou
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have noticed that inaccurate information continues to be reported by XXXX, Experian, and XXXX, despite my previous disputes. The bureaus have verified the information as accurate, but I have attached proof that clearly demonstrates this is not the case. This repeated verification of inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623, which require credit bureaus and data furnishers to conduct a reasonable investigation when disputes are raised. 

I am attaching supporting documentation to prove that the information being reported is incorrect. As a result, I am requesting the immediate removal of this inaccurate information from my credit report, as continued reporting of false data is a breach of my rights under the FCRA. 

Please address this matter immediately to ensure compliance with federal law and update my credit report accordingly.