23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2018 we signed up for a Heloc with a variable rate of XXXX XXXX rate XXXX XXXX % and discount of .25 % for auto pay. We did not realize until a couple of months ago they never have given us the .25 % for auto pay and Now they have failed to reduce the interest rate employed for calculating are XXXX monthly interest payment by also .25 % reflecting the reduction of XXXX XXXX XXXX 7.75 % in XX/XX/XXXX. Conversations with representatives of Citizens in response to our written inquiries have gotten us no where. 

The information provided by Citizens Bank on monthly statements may or may not be in comformance with " Tila '' I am not an attorney but they are are both vague and incomplete and for sure are the antithisus of the goal of TRANSPARENCY which is at the heart of the the federal law
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted complaint # XXXX-XXXX  to your agency. Please refer to that complaint for history leading up to the closed date of XX/XX/XXXX with reference to the response to my complaint received from Fifth Third Bank XX/XX/XXXX. 

In the letter dated XX/XX/XXXX after a very significant amount of time Fifth Third Bank admitted the errors made within their institution and assured me the resolution was complete and if I concede and accept the resolution to pay {$5400.00} by XX/XX/XXXX all late fees, and ALL LATE PAYMENTS BEGINNING IN XX/XX/XXXX AND THE CHARGE OFF REPORTED TO CREDIT BUREAUS REPORTED IN XX/XX/XXXX WOULD BE REMOVED UPON RECEIPT OF THE PAYMENT. 

I called the proper department named in the letter prior to XX/XX/XXXX to pay the amount due only to learn that they were not able to locate XXXX XXXX ( represents the office of the president department ) and therefore could not accept the payment??? I tried back the following day and after 61. Mins 54 seconds I was finally able to pay via ACH DEBIT. 

I placed multiple calls to the department named above XXXX specifically where I left 4 voicemails from XX/XX/XXXX in order to follow up with the removal of derogatory statements on my credit reporting. To receive a voicemail from XXXX XXXX XXXX at XXXX XXXX  telling me that I now need to make an additional 3 payments prior to XX/XX/XXXX ( statement dates not specified ) instructing me to pay an additional XXXX x 3 by XX/XX/XXXX. Upon receipt of 3 MORE PAYMENTS THEN SHE COULD REMOVE DEROGATORY STATEMENTS ON MY CREDIT REPORT. I paid XXXX XXXX UP UNTIL XX/XX/XXXX an automatic payment every month until this loan transition to FIFTH THIRD. FIFTH THIRD WAS PAID XXXX TO XXXX AND XXXX PAYMENT TO BE WITHDRAWN THE XXXX THE SAME DAY FOR YEARS. At this time my previous complaint is not closed its open with no resolution completed. All I received were words NO ACTION. They have had many month to sort through this issue as it was brought to their attention 3 times per month for 6 months. NONE OF WHAT WAS PROMISED BY FIFTH THIRD BANK WAS COMPLETED WITH THE CREDIT BUREAUS. 

I AM IN THE SAME POSITION AS I WAS XX/XX/XXXX FIGHTING WITH A COMPLETELY DISORGANIZED MALFUNCTIONING INSTITUTION THAT CLEARLY HAD NO BUSINESS TAKING ON THIS MERGER. AGAIN I AM THE INNOCENT VICTIM WITH DESTROYED CREDIT AS A BUSINESS OWNER IT MAKES MY STRUGGLE EVEN HARDER. 

PLEASE HELP ME XXXX
Product: Debt collection

Hello To Whom It May Concern, I have this collection on my transunion report as of XX/XX/year>. I have no idea what in the XXXX XXXX they are talking about. I have received harassing phone calls over the past 6 months. They claim I owe this and that but wouldn't tell me any additional information. I never dealt with this company and have no idea who they are and I do not owe them any money. I have asked to see documents and they have refused. The company name is XXXX XXXX XXXX  for a total of {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - 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 am refilling formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letters to them so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Bank account or service

I cashed a check through the mobile checking app of my bank, Bank of America, on XXXX XXXX of 2015. This was a check written to me, for the sum of {$300.00}. The app recommended i keep the physical check for up to 30 days before destroying it, so I put the check into my filing cabinet. 

At some point my ex-roommate went into the filing cabinet and stole that check ( along with other things ). Unfortunately, i did not notice the check missing. A month after I moved, on XXXX XXXX, 2015, he cashed the check at his bank. After the check cleared, the person who wrote the check to me, noticed the funds deducted from her account, and mentioned it to me. I explained that I had cashed the check back in XX/XX/XXXX. She found that the check had been actually cashed twice, the second time, fraudulently. She called the bank. They investigated the matter, and decided to take the funds from my account. 

After many calls, explaining the situation, the bank has not put the money back into my bank account, ( and i suppose, not to take it from my ex-roommate, who stole the check ). The person who wrote the check and I, even made a 3-way call with the bank, explaining the situation, yet it did not make a difference in the banks decision. 

I have since started a complaint with the XXXX Police Department, who is regarding this as a criminal investigation, against my ex-roommate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted B of A card services by phone on XXXX to inquire about my three charge-off credit cards. 

The customer service representative in the collections department informed me that my accounts were no longer with B of A and that they were " placed '' with XXXX XXXX XXXX. 

According to XXXX, placement is the sale of securities. 

From my understanding, if a charge-off debt was sold, the balance being reported on the account should be {$0.00}. 

So if my debt was " placed '' with XXXX XXXX XXXX, the debt would have then been sold, and the balance reported to the three credit bureaus on my three charge-off debts should be {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous request via U.S. Mail requesting for XXXX and Experian to permanently delete and remove all fraud alerts, Extended Fraud Alerts and File Blocked For Promotional Purposes. The fraud alerts are still showing on my Experian and XXXX credit report. I want the fraud alerts deleted and removed from my XXXX and Experian credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$250.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

I was notified by chase that an account was opened in my name. I have never had a chase account before so this is clearly fraud. My SSN is XXXX. I will be uploading a proof of address and my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been requesting my free credit report from XXXX, XXXX, and TransUnion since last year i havent been able to receive them or no response!
Product: Credit reporting or other personal consumer reports

I was never late on my account. XXXX XXXX  account number # XXXX, please change the the late payment to on time. It is inaccurate, I never miss a payment. I have proof will upload my proof of payment on time.
Product: Debt collection

I am contesting the account with SYNCB/ROOMS TO GO. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/ROOMS TO GO. to correct this account on my XXXX report. I should not owe SYNCB/ROOMS TO GO. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Product: Payday loan, title loan, personal loan, or advance loan

Uprova sent a email stating that I havent contacted them about my account and is stating that if payment is not made by the upcoming due date, the account will be considered in default. I contacted the on XX/XX/year>, the options that was given I couldnt set up at the time and I explained that. Then I was told that phone calls will continue until an arrangement is made. They will use Arbitration and and exercise all rights under the consumer loan. I dont even know what this means. 
The original loan was for {$1600.00}, refinance to make the total of the loan {$1700.00}. I have paid a total of {$1700.00}. They call multiple times a week and email multiple times a week.
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to 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. 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. 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: Debt collection

Quite some time ago I noticed a derogatory note on my credit report. This was being reported by NTL Recovery Agency. The amount was for {$300.00}. When calling the recovery agency I was advised that the collection account was from XXXX XXXX of Massachusetts. I was advised to dispute directly with XXXX XXXX. I downloaded the forms and sent proof of residence as I do not and have never lived in the state of Massachusetts. It has been longer than 2 months and I have never heard back the results of their investigation. No attempts to contact company have been successful
Product: Credit card or prepaid card

I have tried to get back on a hardship plan that had me on and have pain around {$1000.00} and have told them to put that towards the cash advances I did which were never done causing me to get charged an interest fee for it which all I ever pulled out was {$800.00} dollars worth which by me tell them to put in toward the cash advance I should be in the high {$4000.00} range but I still keep getting the max out even though I cut the credit card up so no more transaction will come out. They will not work with me on lowering my interest rate. I am struggling to pay the minimum payment with is almost {$800.00} dollars a month by them rasing so high i might have to file bankruptcy just because of on greedy credit card company.
Product: Credit card

I was charged XXXX and didn't receive goods or services merchant wouldn't reimburse me. Also costco visa from citi wouldn't reimburse for the fraudulent transaction which is a violation of visa terms and agreement. I want full reimbursement from citi visa.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ==========TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Made an American Express purchase XX/XX/XXXX one day before statement closed XX/XX/XXXX. Charged full month of interest before given the opportunity to pay the XX/XX/XXXX bill.
Product: Money transfer, virtual currency, or money service

Dear XXXX, Thank you for your email. 

Naturally, you have the right to cancel your tour with no charges up until XXXX XXXX. 
However, I would like to point out a few things : 1. Coronavirus is not Ebola or anything similar. As a matter of fact, the mortality rate is roughly that of seasonal XXXX ( flu ) : https : XXXX. You would probably agree that if we were to cancel all our tours because of flu danger, we'd run out of business very fast. 

2. So far, there has been no official case registered in XXXX. 

3. If you decide to go ahead with the cancelation, you may understand that we may not accept your booking at a future date. You and me we've gone through quite a few emails before putting all this together. My colleague XXXX had a VERY HARD time securing your accommodation and activities. I will most probably not be willing to take the same chances again. 

In the unlikely eventuality that country travel restrictions will be put into place between XXXX XXXX and XXXX XXXX, I promise you we will keep your deposit and rebook your tour at the dates of your choice in the future. 

Look forward to hearing from you. 

XXXX XXXX  XXXX - XXXX. Untold. 

XXXX Phone : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX received XXXX XXXX XXXX {$100.00} paypal fee, called agent at paypal and told them it was A refund, agent told me to refund back to seller and have them " Refund me the money '' I did that on XX/XX/XXXX. seller contacted me and said he didn't have the means to refund me, only send it back. I called paypal agent again and they told me to have the seller call paypal. I contacted seller via email to have the seller call paypal. I have not received XXXX XXXX so I put a claim in with my XXXX XXXX charge card. response from XXXX card with sellers explanation that he tried and couldn't refund and claim has been denied by XXXX cards
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I have disputed with Equifax a public record ( state tax lien ) on my credit report. I ordered a copy of my credit report and I saw an entry from XXXX court hourse. I contacted the XXXX clerk of courts and there is no state tax lien. The court does not report any information to the credit bureaus or anyone else and is unaware of what information the credit bureaus or anyone else may have obtained from public records which can be inaccurate. Equifax deleted my State Tax Lien and than within 2 days later added it back which is not allowed, and illegal without the credit burea sendiing me something in writing within 5 days. EQUIFAX already has a Federal Class action settlement ( Civil No XXXX MHL XXXX XXXX for this exact same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX  XXXX XXXX # XXXX 
XXXX  XXXX XXXX # XXXX. 
I.C. SYSTEM, INC # XXXX XXXX XXXX XXXX  # XXXX
Product: Debt collection

Because we could n't come to terms, I advised a XXXX costumer service agent that I planned on cancelling my service with them to go with a different carrier since I was within my 15 days to do so with no penalty, then I disconnected our call. The agent went to the lengths to call me back to offer me a " loyalty plan '' to keep me with them, that I later ( now too late ) found out did n't exists. Ironically I tried to call XXXX numerous times in the following months to get them to honor what I was offered or terminate my contract with no penalty, as I planned on doing before being tricked into keeping it past the 15 day period. Ironically, I could n't get a call back from XXXX when I wanted to, but the agent could call me and sell me lies after I hung up on her. After about the XXXX call in I talked to a rep who offered me a new plan, {$50.00} more expensive ( {$120.00} instead of {$70.00} ) than the plan I THOUGHT I agree to, but I was tired of the run around so I agreed. After that, I had to call back again because the rep who offered me the {$120.00} plan did n't switch it over right. By the time I got my next bill it was {$190.00}. SO AGAIN I called, XXXX final time, to tell them I was done and to cancel my contract as I have been requesting. My intention was to go to get bought out of contract by XXXX of the other carriers but the bill had to be current and I refused to be pay XXXX another dollar after over 6 years of being with them and being treated so poorly. It took me some time to figure out a new phone situation, but I ended up doing so. Next thing I knew I got a {$690.00} bill from XXXX and emails from a debt collector on their behalf. I submitted a XXXX complaint and even that turned into a night mare of unanswered VMs and multiple contacts. I was told multiple things by multiple reps. They both made me offers contradicting each other 's and still based off of the wrong information, and when I asked for clarification and then a supervisor, I was denied both. I was tricked into keeping this contract when I made it clear I wanted out, and was within the time frame to do so without penalty. This the is the worst experience I ever had with a service provider, ever.