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

Received statement XXXX with a charge made XXXX XX/XX/2020, {$110.00}, @ XXXX XXXX  XXXX XXXX  XXXX GA, I have made no such charge, ( I haven't been 30 miles from home since XXXX, COVID ) I called, they " investigated '' said the charge was valid, it is NOT. I again attempted a resolution ( with assistance from local branch manager ) but ran into " circular logic '', can't rebut because the " investigation result '', which is the very thing I rebut. CASE # XXXX XXXX
Product: Debt collection

I submitted a validation letter for this debt, when there was no response from the company, submitted a complaint here at CFPB. The company responded they would remove this from my credit report but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXXXX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered XXXX payments and still is reporting this account as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with TransUnion. Consequently, it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan from the company called XXXX ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
Product: Credit card

I  XXXX   XXXX  filled for bankruptcy  XXXX   XXXX   XXXX   discover  card cancelled account no problem they did not notify me when I called about card they told me I asked about cash back reward they said they would mail it to me now it is  XXXX  sent a demand letter 30 days late dated  XXXX   XXXX  still no reply my records indicate they owe me over 100 dollars
Product: Mortgage

We have tried to get them to fix they way they are serving our loan and sending us documents like request for insurance for a condo policy when the original loan is a VA XXXX XXXX loan. We were contacted in XXXX of, XXXX, XXXX of XXXX and XXXX of XXXX a notice of insurance for a condo. 

XXXX year in a row. This policy is not a condo policy nor is there any HOA. XXXX  auto EDI  flagstar bank XXXX XXXX XXXX XXXX XXXX phones az XXXX a copy of the current declaration page on XXXX to Flagstar bank and I have emailed them year after year as well as called with no resolution. 

This loan now purchased by Flagstar was never in its entirety a condo policy. 

This is unacceptable that I have waisted time and money off work to deal with this. There is Never a call back from a supervisor since the call center wait times are 3 plus hrs and the online, chat function is a joke with no service Representatives available in my area. Attached is a copy of my call timer on hold for XXXX mins and XXXX seconds with no answer and upon a call back a second time it took another 30 + mins to get through.
Product: Debt collection

I worked out a paying plan with original debtor in the understanding that it will not affect my credit, but my name was sent to a secondary debt collector and that led to the damage of my credit report. I have being making my payment plan without defaulting.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive and unfair practices of the FCDPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of this. More so the didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA im entitled to {$1000.00} per violations and clearly they have violated my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was business owner of XXXX XXXX. 
I had a business account in Citi Bank. 
This bank account was actively used to pay out my suppliers. I Can n't access to the online bank account, so I can not make payments. 
I had communicated with Citi Bank ( XXXX XXXX XXXX ) for nearly a month to set up a new online id for online transactions and close the old ones at the same time, but nothing was done so far. 
I had called citi and talked to them for more than 20 times. 
I followed the employee of citi 's direction and confirmed with them that the forms were filled in correctly by email multiple times, and they confirmed in writing that it was done right before I mailed a signed document from U.S. to XXXX. 
I received no feedback until I asked and asked again after I mailed out the signed document through XXXX. But finally, they said they could not process my forms and there was no solution provided. 
Everyday, my suppliers called to checkout when I can make payment. I asked Citi to give a person that's responsible for this, I asked Citi to give a solution and timeline, but there was no answer at all. 
I want to make a complaint to Citi bank, but there was no-one in citi that takes such complaint and as a small business owner, I don't have access to anyone that's taking care of a complaint.
Product: Debt collection

Upon applying for mortgage credit, I became aware that my credit score was about 100 points lower than the credit monitoring at popular credit cards and monitoring services has been showing me. I was turned away from the mortgage. 

I asked to receive a copy of my credit report. On the credit report, there was an adverse summary from " SW CRDT SYS '' for {$92.00} from an original " creditor '' of XXXX. This organization apparently opened the line on XX/XX/2020 and reported delinquent on XXXX2020, according to my credit report. 

I called " SW CRDT SYS '' immediately to understand. They shared that they had called my phone number, though they have a policy to not leave a message and did not send any written communication to me, or attempt to do so. As a result, I had no ability to know that I had an outstanding " debt '' owed to them, how to validate it, or how to communicate with the original " creditor ''. They shared that during their " validation period '' of 30 days, if I were to pay the {$92.00} then they would not report to the credit bureaus. However, I could not have paid because perhaps I missed a phone call from an unknown number that did not leave a message. If I were to pay {$92.00} to every missed call on my phone in 2020 ( amid the election spam season and every other phone call ), I would be broke! 

I offered to pay the debt in full to make it go away, but they said they have no policy to request deleting the record from the credit bureaus. Because of that, there is no possible manner for me ~100 point credit score to be repaired as if they had appropriately contacted me in the month following XXXX/XXXX/2020. 

I find this practice to be deceptive and abusive. There was no possible way for me to validate, communicate and pay off the debt in a timely manner without affecting my credit score. And now that I proactively obtained my credit report, proactively called the debt collector and proactively offered full payment if they deleted the record, I still have no way of repairing my credit from their abusive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF

15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card

Capital One has made repeated inquires on my credit report. The did this without my knowledge or consent. They even sent me a credit card that I did n't ask for on XXXX XXXX, 2016. The current problem, though, lies with their unwillingness to remove their latest inquiry from my XXXX and XXXX credit reports or to explain why they made the inquiry.. This inquiry appeared on XXXX XXXX, 2016. Since then, I have called more than a dozen times asking them to fix this. Recently I was hung up on 8 times in the same afternoon. Letters are ignored, and no action is taken to make the necessary corrections. I have no idea if they have issued credit to an identity thief using the information they got without my permission or if Capitol One again opened an account somewhere in my name without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper Nation Star has incorrectly reported several months on my credit report as late. I have disputed the late payments and they have since then been corrected for some but not all. My mortgage payments are still showing late for XX/XX/2022, XX/XX/2022, and XX/XX/2022. XXXX had fixed the issue and took the late payments away but they popped back up. I put in several disputes for all 3 bureaus and they told me they would be corrected however they are still reflecting on my credit report. I have also been told that I would get calls back within 48 hours and have not received any calls back and have had to call back each time being told that I have to start restart the process because they couldn't find the information in the system. Currently, I am needing XXXX and XXXX reporting to be corrected. There seems to be no stream line for effective communication and this is affecting my credit report/score. The costumer service as been awful & exhausting.
Product: Debt collection

XXXX from Asset Recovery Bureau LLC ( ARB ) services XXXX is contacting my previous employer obsessively calling at least once if not several times per day despite being told I no longer work there and claiming I listed the phone number as contact. 
He is also calling my brother in law - no idea why he'd even have that phone number. I've never shared it. 
No idea how many other family members or people he has called - these are just the calls people have told me about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an error in my credit report. I notified the credit card company ( Citizens Bank ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). Also That an attempt to collect payment was not successful and the transaction was reversed. Therefore after being called by their collections office, that is when the payment was completed and that constitutes a late payment. ( This statement not being true ) I attempted to set up autopay that would not work and had to call Citizens to set it up because it was obvious that the website has technical issues. ( This was another technical issue besides the payment process ) According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Between the years XXXX and XX/XX/XXXX, I received a direct deposit of {$450.00} into my account on a weekly basis. However, in XXXX, the amount was increased and changed to a biweekly direct deposit. As per my account type, I am exempt from all fees as long as I maintain a monthly direct deposit of more than {$250.00}. Despite this, the bank has been charging me a monthly fee of {$4.00} since XXXX. 

I have reached out to the bank to request a refund of all the fees that have been charged to my account. Initially, I was informed that only XXXX of the fees could be refunded. Subsequently, I escalated the matter and was assured by the escalation department that the back office would process a refund of all the fees within XXXX to XXXX hours. However, it has now been XXXX days since this conversation, and I have not received any refund or communication from the bank. 

I believe that these practices employed by the financial institution are unfair and deceptive. There was no need for these fees to be charged to my account in the first place. I kindly request your urgent attention to this matter and expect a prompt resolution, including a full refund of all the fees that have been unjustifiably charged to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Debt collection

My daughter and three roommates were tenants in a building managed by XXXX XXXX XXXX for 3 years ( they were all XXXX students ). When they moved out, XXXX charged each tenant for various items. The charges were around {$450.00} per person. I paid most of my daughter 's charges as the guarantor on the lease, but disputed two of them : ( 1 ) for painting her room because of thumbtack holes in the wall and ( 2 ) cleaning and/or replacing the main living area carpet. I disputed them because both are routine maintenance and would be undertaken for any incoming tenant/these are the landlord 's cost of doing business. The two disputed items were about {$130.00}. XXXX cashed my check for about {$320.00}, and has now referred the remainder to Collection Bureau Inc. in XXXX, Idaho. I've contested the debt with both XXXX and the collection folks, but continue to receive harassing letters demanding payment. 

As you'll see from the attached emails, the landlord claimed the carpet was " stained. '' Not surprising when four college students live in an apartment for 3 years. Later they claimed there was " pet damage. '' I don't know about the others, but my daughter didn't have a pet so even if there was pet damage so I'm certainly not responsible for that.