23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and TransUnion still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and TransUnion and XXXX came back with both credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.
Product: Mortgage

Fay Servicing and or XXXX XXXX, and or XXXX proceeded with foreclosure process in XXXX of XXXX. I was told today by a loan servicer from Fay servicing. XX/XX/XXXX His name is XXXX XXXX. I was not notified prior to this action taken. I paid the balance that was on my statement in XX/XX/XXXX. {$5600.00}. This would have closed the loan. Covid-19 happenend in XXXX I was furloughed from XX/XX/XXXX. I took it upon myself to train for a new career in the medical field in XX/XX/XXXX, So I could help with the pandemic, I took a significant decrease in income. All this time from XXXX XXXX XX/XX/XXXX. I lost my Mom due to Covid 19 in XX/XX/XXXX. She died without someone at her side, this has had a huge emotional impact on myself. On XX/XX/XXXX I lost my job, That I started in XX/XX/XXXX. In the middle of the pandemic. I decided to re enter the workforce. Even though I fight and live with XXXX every single day. Today XXXX XXXX told me " I have no options '' But to pay the balance or " ball park '' he states {$11000.00}. I told him that i was holding a mortgage statement from XX/XX/XXXX, that reflects a total balance of {$6300.00}. He then said he didn't have a payoff amount, on hand. I responded to a summons that I found in the dirt and snow last week after the snow melted, The State Marshall, just left it on my step, I was at work for a couple days, as it snowed, so I found it buried, What a way to serve a court summons. I did not sign for it. The marshall left it on my step and the blizzard proceeded to snow on the papers. They said that they do not have to follow the Covid 19 relief federal laws or bills. I was offered, no forbearance, no mitigation, nothing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for its failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated attempts to resolve these issues, I continue to receive responses within XXXX hours stating that the account is accurate without any evidence of a thorough or complete investigation. This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed information. Additionally, Experian 's actions appear to contradict the Consumer Financial Protection Act ( CFPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceedings addressing similar violations.
Product: Credit reporting or other personal consumer reports

A payment was made to prevent delinquency of 30 days by XX/XX/XXXX PER XXXX XXXX. That payment was made with XXXX XXXX # XXXX in the amount of {$610.00} on XX/XX/XXXX ( Not including fees for over the phone processing ). All other correspondence was deleted from XXXX # XXXX, XXXX and XXXX by securing that payment. ( which were for payments not completed as scheduled earlier in the month of XXXX ) XXXX XXXX XXXX submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30 day delinquency. This was not correct. I contacted the office XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge company error stating the funds were not in the account on XX/XX/XXXX for XXXX XXXX I told the agent I would provide proof that the funds were in the bank and there was a bank error. On XX/XX/XXXX - I contacted the banks and collected proof that the hold was due to a signature issue not that the funds were not deposited. The bank decided to hold them. I contacted XXXX speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from XXXX # XXXX, XXXX and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement this is a high interest loan ). She refused to acknowledge that the payment set by XXXX for XX/XX/XXXX null and voided prior arrangements. I told her this was the bank error as the monies were on hold. She hung up on me and disconnected the call. I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. I requested a supervisor other than XXXX since she hung up on me. She transferred me to the supervisor XXXX. I called again to speak to another agent that would assist and allow me to provide banking proof. I was put on hold for the supervisor XXXX by XXXX before she hung up on me. The length of the calls started at XXXX. No resolution took place.
Product: Credit card

When I originally signed up for XXXX, I intended to use it to get credit card rewards on my Bank XXXX XXXX card account, since thats the point of XXXX. When I tried to use the XXXX provided bank account to avoid the credit card fee, I was still charged on the rent portal. Instead, I decided to try using the XXXX Wells Fargo card in XXXX specifically because they claim to make payments without credit card transaction fees for rent while using funds from a bank account. XXXX times now this failed to happen, leaving me with over a hundred dollars of late rent fees. Attempts to contact XXXX and Wells Fargo had been pointless as I was only been met with automated systems and XXXX minute hold times that led to unresolved issues. XXXX of the times, I was told their online portal was down so nothing could be done. I was only able to close the account on the XXXX phone call, and it was still registered to my rent portal despite being closed. I had to manually disconnect all of my accounts from the rent portal, and now go through the hassle of bringing my rent check in person, even though XXXX was specifically designed to avoid this. I highly recommend avoiding XXXX at all costs, and deleting any open accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Subject : Request for XXXX XXXX XXXX XXXX Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to formally request a proof of standing letter for my account with XXXX XXXX. My account number is XXXX. 
This letter is necessary for my records and may also be required by the credit reporting agencies ( XXXX, Experian, and XXXX ) to confirm the current status of my account. 
Please let me know if you need any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Thank you. 
Sincerely, XXXX XXXX
Product: Debt collection

I moved out of XXXX apartments in XXXX in XXXX of XXXX the property manager sent me an email asking for {$310.00} pro rated move out cost. I submitted payment the very next day. After a month or so I had to email her to ask for any other move out cost including what is the balance that I would get back from my deposit. Then she claimed that she mailed me that information to the same apartment that I moved out from hoping that I had a forwarded mail under USPS. when I signed my move out document, I said I didnt know where I was going to live to please email me any important document. I had to contact a regional manager of hers to claim that she never sent me these documents and on top of that that I would be owing {$1000.00} because of apartment damages when I claimed that I never received notice. She forwarded an email to the regional office that was falsified by adding information that she did not add in the email she sent to me, after many communications back-and-forth with the property management company, they decided to drop any charges because I was able to prove that the damages that were claim were from another unit that I never lived in based on the pictures they added as evidence the pictures did not match my floor plan on top of that I paid and {$970.00} deposit that should cover my damages. They claim that I never paid a deposit although I have the letter requesting a deposit and the two money order that I paid to be able to move. After a year, they send me to collections for a different amount than the one they sent me and I received a year before claiming that I did not pay my prorated rent for the last month, which I also have a receipt I tried to reason with the apartment building up with national credit collection systems, but they denied to receive any evidence claiming that regardless of any evidence I need to pay full amount and before I do this, I wont be able to move Anywhere which is true I was denied a residential application. I have evidence of the payment submitted for the prorate it last month I have evidence of paying my move-in deposit. I have evidence of the wrong amount that they submit it to the credit bureaus comparing the request that they sent to me first to stay amount they reported. And I have evidence of falls, attorney fees that she tried to charge me. I added evidence of the XXXX  XXXX disposition showing a different amount and evidence of me providing a good address for important documents but and claim they sent collection documents to a wrong address. When asked for that evidence they denied it. There is a screenshot of the collection.
Product: Credit reporting or other personal consumer reports

was the victim of an XXXX breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.
Product: Debt collection

Recvd phone call in XX/XX/XXXX from a company called MiraMed Revenue. A man named XXXX called to inform that I owed {$930.00} for a XXXX XXXX procedure done by my XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I told him we have recvd nothing regarding an outstanding debt from our XXXX  or the XXXX XXXX company. I told him then that means if it was owed thennit was also paid already. He assured me it wasnt paid and that it was outstanding and owed. And that he had not the bad debt on my credit report yet. ARE YOU KIDDING ME????? Thats harassment. I told him we have received nothing on this balance!!!! I told him then I would need to check with my doctors billing Dept as well as my husband and would call him back. He proceeded to tell me he would be willing to negotiate the {$930.00} if I was willing to pay today. A red flag went off right there. I did call my doctor and they proceeded to call the XXXX XXXX company and indeed, the bill had long been paid. This is ridiculous. Why are they not required by law to confirm and reconfirm before a single phone call is made that a debt is indeed outstanding?? Unless they are intentionally hoping to scam someone out of money already paid. These are the kind of companies that take advantage of elderly people or non English speaking, or even inexperienced people because of their persistence as well as their lack of desire to check on a balance a customer says has been paid. Why wouldnt they be required then and there to check with company they are collecting for??? Because its just as easy for them, when they get caught collecting again, to just plead ignorance or call it a misunderstanding. Baloney. Stop these companies from being lazy and require them to do their due diligence before placing a single call. It was a waste of two hours out of my day trying to gather information from a year ago to prove to them this balance had been paid. Infuriating. 
XXXX 
XXXX
Product: Credit card or prepaid card

Barclays Bank completely mishandled my account, by placing a decease indicator on my account that rendered me unable to discuss or resolve my account with them. This then led to this account reporting a late payment on my credit report showing for XX/XX/2020, and subsequently a charge - off on my report for this debt. 

The facts are egregious, the mishandling of this is rather silly, and Barclays Bank really does not take any ownership of the mistake they made, nor have they shown any willingness to fairly, amiably, and equitably resolve this matter. 

I understand the confusion that them thinking I am deceased can cause, but once that has been proven to be false, I expected a swift resolution to the delinquent status of the account. However, because of the decease indicator, they refused to accept a payment, ultimately shuffling me between departments for HOURS on ends, from one confused foreign representative to another. Further, I have recently discovered that XXXX had the audacity to place the account with a 3rd party debt collector, further impacting me for something that was NOT MY FAULT.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found significant discrepancies in how this account has been reported : Inconsistent Payment History The report states I have made " XXXX XXXX of payments on time, '' yet also lists only XXXX XXXX late mark. This suggests incomplete or incorrect payment data. 
Incorrect Account Status The account has been charged off and marked derogatory, but it still reflects a balance of {$1500.00}. If the debt was written off as a " Profit and Loss Write-Off, '' it should not still report as an outstanding balance. 
Dispute Handling The report states " Dispute Resolved Reported by Grantor, '' but I was never provided proper documentation verifying the legitimacy of the information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to review how this was verified. 
Requested Action : I am requesting an immediate investigation and correction of the following : Provide verification of the reported balance and delinquency, including a full account payment history. 
Remove or correct the charge-off status if the account has been settled or inaccurately reported. 
Ensure that the balance accurately reflects the actual amount owed if the debt has been sold, settled, or otherwise adjusted. 
Delete the account if it can not be verified, as required under the FCRA.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$72.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This account was paid off and the company did not reflect this on my credit report and it needed to be updated once they have received there payment in full. 

Last Reported XX/XX/XXXXCreditor Name XXXX & XXXXAccount Type Charge AccountAccount Status Closed - DerogatoryOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XX/XX/XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late 0/0/0Remarks Charged off as bad debt
Product: Debt collection

This bill was paid by the insurance company past 12 months ago, now I am being charged again for the same debt. 
The hospital states that payment was recieved.
Product: Credit reporting

I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : XXXX ( Collection ) XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.
Product: Credit reporting or other personal consumer reports

THE NAMES, ADDRESSES, BIRTHDAYS ARE INCORRECT CAN THEY BE REMOVED PLEASE AND THANK YOU BLESSING AND HAPPY HOLIDAYS TO YOU AND YOURS. 
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

ECMC has attempted to contact me and collect on a debt that is not owned to them since XXXX XXXX. They have sent letters, called my cell phone, my family members and my place of business. I disputed the claims that ECMC has placed on all 3 of the credit bureaus under the Fair Credit Reporting Act. ECMC sent a letter to me on XXXX XXXX, XXXX that I owed XXXX in student loans and they would be contacting my employer to garnish my wages. 
I am currently under a payment plan to pay my student loan back and do not owe ECMC. I 've never taking out a loan with ECMC nor given them my information. 
I would like for Educational Credit Management Corporation to not contact me or my place of employment anymore.
Product: Credit reporting or other personal consumer reports

Account # XXXX TransUnion is still reporting one of my XXXXXXXX XXXX XXXX XXXXXXXX loan when all the other credit bureaus have deleted them from my credit report. This account has been reported deleted by the department of education since I applied to their fresh start program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have unauthorized inquiries on my credit reports Experian 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

I am a victim of Identity theft after Resurgence Legal Group ( representing XXXX XXXX XXXX XXXX sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX XXXX XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
I have tried to dispute this ID Theft issue with Resurgence Legal Group and XXXX XXXX, hoping to remove this case .However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted a complaint to CFPB ( Claim # XXXX ) regarding unauthorized accounts, addresses, and inquiries on my Equifax credit report. Equifax responded on XX/XX/year>, claiming the fraudulent items were removed. This is my second complaint with CFPB this month. Despite providing a complete and accurate FTC identity theft report, Equifax falsely asserted that my report was incomplete. This misinformation and mishandling of my case led to continued damage to my credit report, including difficulties obtaining credit and financial stress. Fraudulent accounts and inquiries from multiple entities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, remain on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I demand the immediate and permanent removal of these fraudulent items, a thorough investigation, and financial compensation for the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.