23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A notice was put on my door and I contacted both XXXXXXXX XXXX XXXXXXXX and BOA to try and resolve the issue. BOA referred me back to XXXX XXXX  XXXX several times. I requested documentation from XXXX XXXX XXXX including but not limited to information on the original debt, any terms and conditions I agreed to with BOA, and a payment plan. 

The payment plan was provided several weeks after the initial conversation and was dated 1 week after the initial conversation but was not delivered until 4 weeks later. When I reached out to the via email, they ignored it several times. I then sent them a more demanding email letting them know I would file a complaint against them for bad debt collection practice and once again requesting the terms of service and this time insisting that I have an arbitration clause. XXXX XXXX XXXX has once again ignored my request for documentation. I have an active court date approaching and I am of the belief that they do not have the right to sue me for this. 

By ignoring my requests for documentation, they are forcing me to appear in court to get a default judgement against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We did not even file XXXX XXXX There is another person with my name that did and it was filed under me instead of them. 
Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XXXX so now it shows we filed that as well as chapter XXXX when I didn't! 
Was working to fix my credit and working hard on it! 
Now it's showing that and not allowing me to pay and show my credit cards!
Product: Debt collection

On XX/XX/2022, I contacted National Credit Systems INC. I spoke with XXXX XXXX. I paid the balance in full ( approximately {$2600.00} ) owed on behalf of XXXX XXXX XXXX. I was assured by XXXX once XXXX updated my payment I would receive a paid in full letter ( attached ) and the debt would be removed from my credit report. Until recently, this was true. 

On XX/XX/2022, I submitted a rental application for XXXX XXXX of XXXX XXXX I was denied rent because XXXX XXXX reported the balance of {$2600.00} for XXXX XXXX Apartments was still owed. 

I called XXXX with XXXX XXXX company ( the management company for XXXX XXXX XXXX XXXX on XX/XX/2022 and was advised to contact XXXX as they were reporting the incorrect/negative information. I called all three credit reporting agencies and each one stated that neither XXXX or XXXX XXXX was reporting on my credit report. I can not submit a dispute that does not exist. 

On XX/XX/2022 I contacted XXXX XXXX and spoke with XXXX. XXXX advised he would submit a complaint to XXXX XXXX on my behalf. Reference number XXXX. 

I received a notification today ( XX/XX/XXXX ) my credit reports had been updated by XXXX. All that was done by XXXX was to update my report with " dispute received ; account reporting accurately ''. I am tired of XXXX ' automated system flagging my credit report as disputed without an actual human verifying the information. Especially when a copy of the paid in full letter was submitted. 

Having this debt on my credit report is causing me financial harm. I am scheduled to move from my current residence on the first of XXXX and have no where to live and like many others I can't afford a hotel. If I am not working I will lose my job. I can not simply stay in a woman 's shelter. 

I want the account removed from my credit report as promised by XXXX ( tecorded line ), along with the dispute. I also asked XXXX to follow up with XXXX XXXX as I never received my deposit back from them. To date I have not received a response from XXXX or XXXX. I did contact XXXX XXXX as well, to which was in vain as they never returned my phone calls. I received the same lack of response from their corporate office as well. 

I do not think it is too much to ask to report accurate information and I am tired of XXXX not taking the time to do the research. It's not complicated as they have the information on file. 

I am sincerely hoping that you can expedite my request and have my credit report corrected as soon as possible. If I need to seek legal action I have no problem taking this route as this debt should have been updated and corrected at the beginning of XXXX. 

Thank you for your time and I look forward to hearing from you soon. 

XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I wrote a Bank of America check to my XXXX  for {$40.00}. When I got my statement Bank of America on XXXX I saw they took {$400.00} instead of {$40.00}. I printed up a copy of the check and the Transaction Details which clearly shows a check for {$40.00} and {$400.00} being taken out of the account. I called that day and the representative connected me to another department that was closed. I called again on XXXX and the representative assured me that my account would be credited for {$360.00} on XXXX and gave me a case number. I still did not have it on XXXX so I called again and was assured my account would be credited by the end of the day. Today is XXXX after XXXX and my account has still not been credited.
Product: Credit card or prepaid card

I was stopped at '' XXXX XXXX  '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX on XX/XX/2022. The time was roughly XXXX XXXX. when I arrived, I was stopped by a lady with a XXXX XXXX XXXX column at the mall. I told her I was on my way to XXXX XXXX  which is reputable fragrance store there. She recommended that I look at her selection. After smelling the fragrances there I told her I was uninterested. She asked which colognes I liked, and I described to her the ones I owned. ( Which are all worth over XXXX ) I asked if she had XXXX XXXX lband she stated, '' All we have are cheap colognes. I'm really desperate for sale. Can you please just buy one and I'll give the second half off. '' I was completely uninterested as the clones were cheap and unappealing but as a sympathetic person I made the purchase as the total was cheap ( XXXX ) She swiped my card and handed me the bag and I went to XXXX XXXX like I originally intended. As I was there I noticed the cell phone Capital One notification for {$140.00}. I looked in my bag and noticed they had not given me a receipt. I immediately went back to them to confront them about the charge. When I arrived I was told they would not give me the correct degree-upon price. I told them if they won't I want my money back and to return the items. They denied me completely as it became apparent I was conned. The packages remain unopened to this day in the same condition I received them from less than 2 weeks ago. The going prices for these exact replicas you can find at most retailers for {$17.00} and the other for XXXX or less and I she was " desperate '' ( con artist ) I didn't mind paying XXXX bucks over. But {$110.00} over is ridiculous!! 

I filed a dispute online with Capital One and since exactly what they wanted three times over fax. Spoke to five Representatives thoroughly explaining what happened. Also sent another document with my name case number date and signed through a PDF from my email separately. I realize that my bank is clearly on the merchants side as they've also disregarded completely any information I've sent.
Product: Mortgage

My mortgage lender was XXXXXXXX XXXX They wrongly force opened an escrow account with a balance of {$3700.00}. An additional {$430.00} per month. I had already paid my property taxes to the treasury and had been paying my own home insurance. I told them I had already paid this and to please close the escrow account. They refused until it was paid off. I contacted the state of Arizona and got a refund on the property taxes I paid. Once the escrow account was close to being fully paid off XXXX then sold my loan to Round point Mortgage. Round point mortgage received the escrow account despite it being paid in full and they now refuse to close the account. The escrow account now has a positive balance. All while I still pay my own insurance and property tax. They are stealing $ XXXX from me which is over $ XXXX per year for things that I am currently paying for myself. I filled out a escrow cancellation form with them and they declined it. my mortgage payment is still {$430.00} higher than it should be, and I am STILL paying my own insurance and property taxes. I will seek legal action next.
Product: Credit reporting or other personal consumer reports

**On [ XX/XX/year> ], I noticed that there were unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I did not authorize these inquiries, and I believe they were made in error or fraudulently. As a result, these inquiries are negatively impacting my credit score.

I contacted [ XXXX XXXX XXXX  ] on XX/XX/year> requesting the removal of these unauthorized inquiries, but no resolution was provided. I am now submitting this complaint to request that the company remove these inquiries from my credit report immediately and confirm the correction in writing. **
Product: Credit reporting or other personal consumer reports

The UpLift tradeline contains patently inaccurate information. The tradeline is inaccurate because the CURRENT PAY STATUS shows the debt is a CHARGE OFF. This debt has been paid so the current pay status should indicate that the account has been paid. The tradeline is also inaccurate because I did not open this account and I did not authorize the account to be opened. This account was opened without my knowledge and authorization and should not be on my report because it is not my account. I immediately paid the account when I learned about it because it was destroying my credit, and I was told it would be removed if I paid it. When I disputed the account as being fraudulent, I was told that I would have to prosecute the person who opened the account my wife so I did not purse that.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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, credit repair services, or other personal consumer reports

I discovered these fraudulent inquiries that I did not make on my experian, XXXX, and XXXX credit reports including : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I signed up for The Amex groups card for my business and my personal account the provide me with points and options to pay but during COVID-19 I did not have any other option with them so I am writing you to receive your assistance during these troubling times because only after 2-3 months of non payment they have canceled my card even when I have come from a FEMA disaster area XXXX, NY.
Product: Credit card or prepaid card

Over the past year, I had to change my Citi Prestige credit card number six times due to fraudulent charges, which keep appearing even after changing my physical card number. Every single fraudulent charge is listed as having made using a " Digital Account Number, '' so my guess is that someone somehow was able to my Citi Prestige card to his/her XXXX XXXX or something, and Citi is not revoking virtual credit cards that are linked to my account. For example, I myself have my Citi Prestige card on my XXXX XXXX. Whenever I request a new credit card number, Citi Prestige card on XXXX XXXX  automatically updates to the new card number without any sort of verification. Hence, if a fraudster already has my Citi Prestige card on their XXXX  XXXX, what is to prevent that fraudster from continuing to use my Citi Prestige card even after I get a new physical card number? 

Here are the details on the trouble I have been having over the last year. On XX/XX/XXXX, there was a XXXX charge for {$8.00}, which was made using " Digital Account Number '' ending in XXXX. I promptly requested a new card number. Then on XXXX XXXX, XXXX, I saw a XXXX charge for {$15.00}, again using Digital Account Number ending in XXXX. On XX/XX/XXXX, I saw another XXXX charge for {$8.00}, again using Digital Account Number ending in XXXX. I received a new card number again. Yet, on XX/XX/XXXX, I received another XXXX charge for {$8.00}, which was made using Digital Account Number ending in XXXX. I spoke with Citi and I was told the digital account number was taken care of. Since then I have not seen any fraudulent XXXX charges. 

However, on XX/XX/XXXX, I got a Citi alert for " A {$0.00} international transaction was made at XXXX XXXX on card ending in XXXX. '' That charge never posted. But then the next day on XX/XX/XXXX, a {$20.00} charge was made by " VIU PH '' in XXXX XXXX, using Digital Account Number XXXX. I immediately turned off the Citi Prestige card using Citi app XXXX. Even after I disabled the card, four more {$20.00} charges by XXXX XXXX  were made on the card. I reported the card lost or stolen, and have since received a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX OHIO - {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXXXXXX XXXX XXXX - {$490.00} Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting late notations on my credit file for XX/XX/20 and I ask that they please remove them. During the beginning of Covid my company had a really hard time and we were impacted from start to now. We ended up closing for a few weeks during this time. I went during this time with no pay so once I was finally working, I could pay on my account. I have been current since. I ask that Wells Fargo please make a one time goodwill adjustment to remove the late from my file.
Product: Mortgage

my loans was sold to XXXX XXXX from BANK OF AMERIA ( BOA ) in XX/XX/2018, I was making my monthly payments on time and there is where the problem began. I noticed that on my credit report BOA did not report my payments at all the any credit bureau. I called several time to resolve this issue and was informed that they don't do that at all. then I called XXXX XXXX and informed them of the situation and they were unable to assist me either, I asked if they would report it to XXXX and they informed me they did but could not answer why BOA did not. Also XXXX raised my mortgage payment {$500.00} from one month to the next for a period of 12 months, because they stated that when they bought the loan from BOA they did not inform them that I was {$6000.00} unbeknown to me and that there was nothing they could do. This put me in a financial situation, that I'm just treading above water.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with Unknown XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FINANCIAL SER XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX Experian XXXX BANK XX/XX/XXXX XXXX
Product: Mortgage

The CFPB found that XXXX XXXX  violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Specifically, XXXXXXXX XXXX was : XXXX XXXX XXXX FRAUD AND FORGERY NOW TOLLING CONSUMER PROTECTION -=MY HUSBAND AND MY NAME ARE OWNERS OF HOMES- THEY ARE EXPLOITING IN A SYSTEM WHERE THEY HAVE MY HUSBANDS NAME ON PROPERTY THAT READS IS A HOUSE BUT IS A LOT- YET PAYING TAXES SINCE 2017 - CALLED TAX OFFICE NOW ITS REMOVED- BUT i HAVE THE PICTURES-SO YOUR DOING A GOOD JOB- XXXX XXXX IS DOING ACCOUNTS- THEY ALSO TITLE FLIPPING- AND THEY ARE TOLLING Exploiting personal data without authorization : Failing to provide legally required consumer disclosures : The Truth in LENDING Act requires banks to provide certain disclosures TO A DEAD PERSON WHEN STEALING HIS IDENTITY AND A WIDOWS LIFE ESTATE AND ALL THEY OWN WHEN WE WERE NOT IN DEFAULT
Product: Student loan

XXXX my sophomore year at XXXX my family and I decided to use Salli Mae as a provider to cover my remaining portions of loans I had left over from the stafford loans I received. It was a sum of a little under 8000. During that process I talked to a employee and was assured numerous time that my loan would n't not have to repaid until I was finished with school. However, after the process was done we began getting calls on collections of the bill and were going to begin on the repayment plan. Confused, we called and talked to numerous employees and were told the same thing, what we filled out was not what we thought it was. Me and my father filled out the paperwork with a employee and were assured by her and by slogans on the website that loans would n't have to begin to be repaid until after college. They gave us no options when asked about other methods of repayment and were constantly hounding me and my family about the repayments, even stating we should pay a higher amount to get the loan paid for quicker. After discussing our options, the loan was then consolidated onto my parents so we could begin repaying what we felt was ok. It was one of the most confusing, frustrating, and disappointing process of my life knowing that I signed my parents up with a provider who cares nothing about our lives, but only about making money. They played us and in the process took us as fools.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX continue to report invalidated information on my credit report without sending me doucments to validate the debt or documents that indicate the methods used to verify each account. These companies are using deceptive practices in order to coerce me into paying on debts I do not owe.