23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I disputed a charge on my account. That dispute was concluded in my favor. I closed my account fully paid off. 
Long after the account was closed ( like 5 months ) I recieved a bill for a rebill on my account. Upon calling Barclays, I was told they could not reverse the charge over the phone. They told me that I was expected to pay the amount billed and that I had authorized this charge. 
I had not authorized this charge. I asked them to read back the transcript of an earlier call. This transcript does not reflect the conversation I had with their dispute specialist. I did not give permission for a rebill.
Product: Mortgage

Bank of America has caused to be recorded with the XXXX XXXX County Recorders Office a defective Notice of Default with form entitled California Declaration in violation of California Civil Code of Procedure Statute 2015.5 and California Civil Code Section 2923 - 2944.10. Bank of America knows or should know the laws of the state of California where they do business. I believe this is an intentional act meant to coerce, harass and cause me extreme disstress in on-going attempts by Bank of America to separate me from my home. 
The form is the fourth page of the recorded Notice of Default ( NOD ) and Election to Sell. Because of the form 's defect, the whole NOD is void and voidable.
Product: Credit reporting or other personal consumer reports

I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent XXXX  a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). XXXX sent a response to me stating that these accounts were verified and accurate when they are not. I sent XXXX  another dispute on XX/XX/XXXX XXXX XXXX Number : XXXX in regards to the investigation results still having inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX BANK # XXXX XXXX XXXX XXXX SERVICES # XXXX, XXXX XXXX # XXXX, are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all 3 credit bureaus. Also, according to 15 USC 1681s-2, 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. Please refer to the attachments.
Product: Mortgage

Closed loan ok n XX/XX/XXXX, as of XX/XX/XXXX they have not paid my home owners insurance.
Product: Debt collection

On XXXX XXXX, XXXX I got a credit alert from my credit monitoring service that there was a change in my credit bureau. I went online and looked at it and saw simply a reference to a collection from a company called National Credit Systems. I had never received a phone call or letter or any other communication from this company. 

I called their offices as soon as it opened, inquired about the debt they were collecting on, and realized it was related to an early termination fee from an apartment I was renting in XXXX! I do n't dispute the amount, but I was never billed for the early termination fee and did n't know it was outstanding. 

So, I informed the agent that I had never received notice from the apartment company or from the collection agency that anyone was trying to collect. I told him I would pay the debt that day, which I did, if he could ensure that it would be expunged from my credit bureau because I 've never gotten any phone calls or letters from anyone. The agent said " absolutely ''. He suggested that they did n't have any contact information for me even though I kept the same mailing address and phone number before, during and after the time I lived in the apartment. Surely the apartment complex had all that information from my initial application. Even so, a simple google search could have easily found me. 

I paid the bill that day and continued to follow up with the company about expunging the collection from my record because they had n't provided any notification or made any effort to notify me about collecting a debt. My bureaus show the credit as paid off, but its still on there as a derogatory, negatively impacting my credit score. 

I have no way to contact the prior apartment management as the complex was sold. And my attempts to resolve this with the collection agency have obviously yielded little result. 

I believe that a collection agency, as a furnisher of information to the credit bureaus, is required to Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. I received no such notification from the time I vacated the apartment ( XXXX XXXX ) until the time I got the alert from my credit monitoring ( XXXX XXXX )!!! 

Thanks for your help.
Product: Checking or savings account

Today I am writing to file a complaint against Navy Federal Credit Union because of multiple overdraft fees that I have incurred. Despite having sufficient funds in my account when transactions have been authorized, I was charged fees due to lagged posting of charges and credits. This put me in a lot of unfortunate financial situations. This issue that keeps happening aligns with the recent CFPB findings against Navy Federal for similar practices where transactions were settled with insufficient balances despite initial available funds. This is entirely unfair and I request an investigation to my transactions.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 , I signe d up ( o n-line ) to join the  XXXX   XXXX   XXXX   XXXX . I was expecting a bill and a membership card in the mail. Instead, I was signed up for a credit card with Comenity Bank. In  XXXX , I started getting collection calls from Comenity bank. They told me to contact  XXXX   XXXX , who told me to contact Comenity Bank and round and round about  XXXX  times.     Next, I asked the collection callers to open a dispute. They said the form would come in the mail. It did not. I asked them again and they emailed it to me. I kept them on the phone while I filled it out and mailed it. Now the dispute is closed and they ca n't seem to explain why, except they still want money from me and the collection is still on my credit report.     They have wasted hours and hours of my life. I have attached the initial emails from the club, welcoming me as a member and giving me a membership card. No mention of a credit card ... I 've also attached the first emailed notice from Comenity bank, just sent yesterday. All other contact from the bank has been by phone.
Product: Mortgage

I was laid off from the XXXX XXXX XXXX for 17 months and got behind on my payments. My loan was with XXXX XXXX XXXX until XX/XX/XXXX. They sold my loan to XXXX a company out of Virginia. 
I've tried numerous times to do a loss mitigation or a restructuring of my loan but each time I was told that documents were missing. I am currently working now in the oilfield and my pay is reduced but I can pay my mortgage if they will work with me. Again I submitted all docs via XXXX  and received a phone call from XXXX stating all papers were received. Yet two days later I received an Email saying it's incomplete. Missing were 30 days of my pay stubs which I sent. I Emailed them my response got no reply, so I Emailed pay stubs and also XXXX my pay stubs to a XXXX XXXX and XXXX XXXX ( my Point of Contact ). I feel this is a stall tactic to foreclose because of the " missing '' docs. and also I received a letter from an atty representing XXXX that im in default and have 30 days to respond. 
I am frustrated and depressed over this process and have filed this complaint about the handling of my mortgage and in my opinion unfair business practice that needs to be looked into. I've also looked at their online reviews and it's not just me with complaints. 
Please look into this XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed my credit report and was shocked by my finding. I found several account that are not mines. XXXX XXXX Open on XXXX. I have no recall ever opening of this account. in the amount of XXXX is charged off. This account is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX XXXX XXXX Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/XXXX  ( current/past ). I actually applied and was invited via my Experian membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies.

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.
Product: Debt collection

XXXX XXXX XXXX has acquired fraudulent accounts from XX/XX/XXXX-XX/XX/XXXX, and will not look into the validity of the accounts or stop collection efforts. I have previously retained a lawyer and gotten one case/account closed, and myself dismissed from financial obligation due to the account being fraudulent/identity theft. There are three accounts acquired by MCM with the following amount : XXXX XXXX- {$1900.00} XXXX- {$3300.00} XXXX XXXX {$1400.00} These accounts are the result of Identity theft and I would like them to close the accounts/dismiss collection efforts and stop contacting me for payment. 
Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to delete an account that the original creditor has requested to have deleted XXXX different times. I have called transunion and tried to get them to delete the account as it should have been and they refuse to delete meanwhile i have a confirmation code from original creditor requesting deletion.
Product: Debt collection

For the last two to three months I have been getting phone calls from CITIBanks office in XXXX, Telling me that IF do not pay them {$2000.00} they are going to put me in jail, take my home, and take my XXXX and XXXX checks!!!!! And they would also take faimly member to court and put them in jail! 

Starting in XX/XX/XXXX after CITIBank added 0s to my check that I sent them, changing them {$50.00} to {$500.00} and started moving funds in and out of my account to one of their fake accounts. I canceled their Credit card And paid them OFF! 

According to CITIBank in XX/XX/XXXX I was not a crad holder and there for did not get paid damages that they agreed to pay! Consumer Financial Protection Bureau ( CFPB ) Administrative Proceeding File No. XXXX,! 

In XX/XX/XXXX and XX/XX/XXXX I started getting calls for CITIBanks XXXX office demanding {$2000.00} OR they would put my in jail! They stop after I receive a latter from the local court! Cast No. XXXX. I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXXto when CFPB stop them in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy petition in XXXX 2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 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 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

I do not consent to e-OSCAR and want a human to read this complaint. I have tried multiple occasions to get my compensation in reference to the XXXX removal from my consumer report by TRANSUNION. TRANSUNION removed this account because of the dispute I made due to many federal consumer rights violations. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but TRANSUNION has not yet compensated me for federal consumer rights violations and damages/emotional stressed/finical hardship caused. I will have proof of my claims attached and I will have my Pre-Arbitration attached. Also, an invoice will be attached below with the original report marked up showing the violations. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.
Product: Credit card

XXXX Amex repeatedly sends me unwanted and needed offers of credit. Have repeatedly asked to NOT be contacted with junk. Prior CFPB complaints have temporarily resolved the mailers, though they always start up again a few months later. Please cease mailing me, please cease mailing my girlfriend. Latest mailer is attached.
Product: Credit card or prepaid card

Good Morning - I called Kohl 's ( XXXX ) XX/XX/2019 at XXXX XXXX. I was on the phone for 32 minutes and 19 seconds about my credit interest. I spoke to one man who couldn't explain to me why I was being charge interest twice. He said if you pay your balance off each month you won't be charged interest. I told him I was VERY aware of this, however, when I carry a balance why was I being charged twice. He couldn't answer so I spoke to a manager. He couldn't answer the question either. This is VERY bothersome because I work for XXXX XXXX as a XXXX XXXX. My statement shows I'm being charged " Interest on Protected Balance '' and " Interest Charge on Purchases ''. My questions is what is the difference and neither of them could tell me. There is not explanation of the difference on my statement or on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND SAW A XXXX BILL. THIS ACCOUNT IS NOT MINE NOR DID I BENEFIT FROM THIS ACCOUNT IN ANYWAY.
Product: Debt collection

NO KNOWLEDGE of this account never reciecve notice or gave this account to report this on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

I was overcharged for fees and interest. It will take me 6 or 7 years to repay this loan. Didnt know that until after I had signed the agreement. Cancel my loan
Product: Debt collection

XX/XX/2021, the account number XXXX was created with the amount of {$2800.00} in my name without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Product: Mortgage

I was initially preapproved with Lennar Mortgage. I was given communication stating that I needed to payoff debt in order to bring my Debt to Income in line and I would be able to close. However once I paid off $ XXXX in debt I was still told that I wasnt fully approved. I was told that I would be refunded my {$7500.00} earnest money and after three weeks of terminating my contract I havent received my earnest money back. I am concerned with the misleading sales tactics by the home loan consultants and them not providing the sales contract addendum disclosures. This was obviously a tactic used to hide additional fees being charged by the builder and unethical business practices. I am also disappointed in the poor communication and delay in refund of my earnest money. I feel that I was XXXX because of my XXXX.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

On XX/XX/2023 I deposited a client 's ck ( I'm a XXXX ). Same thing I've done for XXXX yrs & NEVER had a problem. On XX/XX/XXXX my bank mgr told me the Fraud Dept was opening an investigation. I got the client 's XXXX of XXXX on a 3 way call ( twice ) but obviously did no good. I made numerous calls to the dept still w/ no explanation. Within a few weeks of the ck dep they closed my business acct. As I spoke w/ different people in the Fraud Dept I was told once a decision was made they won't override it. Sounds like an Autocracy to me. When they closed that acct because I owed the State of CA some taxes ( corporation is not good standing as a result ) & now I can not open another corporate bank acct anywhere ( obviously I was fine in my prior checking acct ). Then they turned to my personal checking acct. My acct got hacked in XXXX. The Fraud Dept gave me {$2500.00} to offset my loss but backed that out shortly afterwards thinking I had something to do with that hacking. Because this has been the worst yr of my career ( & relying on friends & family for survival ) I didn't have the {$2500.00} to repay the debt till last month. Now both accts have been closed ( business acct for 4.5 mos & personal acct for 3.5 mos & had to rely on prepaid debit cards. I have another 30-60 days according to the Bank Mgr . I have to pay over {$100.00} to cash my Social Security cks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Sent an Ability to Benefit application to Navient on XX/XX/2020. Navient has not responded with a conclusion until this very date, and has not kept me inform of any updates or changes they may have done, besides a letter stating that they are investigating, which has been quite some time. The address of the school in question was included along with other documentation in the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$50.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I sent a validation letter to XXXX XXXX XXXX for them to verify this alleged debt in the amount of {$290.00} from XXXX per their correspondence. This letter was mailed to them on XX/XX/2024. 

I received a letter from Jefferson Capital Systems dated XX/XX/2024 acknowledging receipt of my letter for validation. the letter stated that they would cease collection activity until verification of the debt was provided to me. Also, that they request the consumer reporting agencies to delete this account from my credit file. 

As of today, XX/XX/2024, I have not received validation of this debt from XXXX XXXX XXXX  and the debt is still being reported by XXXX. XXXX XXXX has violated my rights under FCRA, due to them not ensuring this debt is not being reported by all of the credit bureaus they submitted it to.
Product: Credit reporting

I have XXXX hard inquirings from XXXX/2015. It has been over a year now. Should these inquirings be taken off my report? All of these were concerning an auto loan, which was financed through another company not listed.