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

I returned all the items on one of my XXXX XXXX orders purchased using my Bank of America credit card. However, I have not received credit from the merchant and thus I'm trying to dispute the charges with Bank of America. However, I can never get the dispute to go through on the Bank of America website. Also the texts that get sent are so slow that it always falls out of the 10 minute range. 

The charges that I am trying to dispute are : XX/XX/2020 {$58.00} XXXX XXXX XXXX TX XX/XX/2020 {$470.00} XXXX XXXX XXXX TX XX/XX/2020 {$26.00} XXXX XXXX XXXX TX XX/XX/2020 {$510.00} XXXX XXXX XXXX TX XX/XX/2020 {$130.00} XXXX XXXX XXXX TX XX/XX/2020 {$38.00} XXXX XXXX XXXX TX XX/XX/2020 {$140.00} XXXX XXXX XXXX TX XX/XX/2020 {$110.00} XXXX XXXX  XXXX TX XX/XX/2020 {$110.00} XXXX XXXX XXXX TX XX/XX/2020 {$53.00} XXXX XXXX XXXX TX
Product: Credit reporting, credit repair services, or other personal consumer reports

Got an email from XXXX XXXX with XXXX rewards, saying " my application has been received ''. The inquiry showed up on my XXXX XXXX as a hard inquiry from XX/XX/XXXX.I did not apply for this credit card. I contacted Barclays bank today XX/XX/XXXX spoke to XXXX. she check their database with my social and name, said it was the only way to check. said there was no application. Told me to contact the credit bureau that it was the only way to resolve the issue. XXXX XXXX says I can use you to try to resolve. I have worked very hard on my credit, and I am concerned that my personal information is out there somewhere. Please help me clear this up.
Product: Mortgage

My father passed away and left me his home. my mother was also on the loan. We were banking with Everhome mortgage, my mother lost her job because of injury and was unable to pay. They were going to do a modification ( supposedly to assist her ) I came forward and paid {$10000.00} towards the mortgage on the same day to assist my mother. They decided that because I put {$10000.00} down that she was no longer in a hardship. 
To top things off they were reporting late payments under my SSN and I have never even signed a mortgage for this home. When I confronted the issue they decided to Transfer the loan XXXX, and sent incomplete paperwork because XXXX is telling me they have no proof that my mom was ever on the loan. And advise us that we may have to go to probate court. The Balance on the account to pay off the home is {$6000.00}. why would I get into a 30 yr refinance.
Product: Checking or savings account

Citibank froze my account that contained {$20000.00} at the time when I had to make a college tuition payment for my daughter for no reason. 

As a result, I was forced to make this payment and incur a {$490.00} processing fee from the college because it was paid with a credit card instead of a transfer from a checking account.
Product: Vehicle loan or lease

Iwent to the XXXX and XXXX XXXX in XXXX, TN on XX/XX/2022 to look at possible purchasing a XXXX XXXX XXXX. They said they would run the numbers and let me know what the monthly cost would be. I agreeed to let them run my credit 1 time. I get home to find out that it that had been run 5 times as a hard check through 5 different banks and companys.I did not authorize it through thses companys listed below ( 1 ). Huntington Nal. XXXX  ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX I was told by XXXX and XXXX that if i purchased a vehicle that thses credit inquries would fall off, and not to worry about it. My credit has droped XXXX XXXX and will cast me money if I wantd to buy something. My credit is not theirs to use as they see fit. They need to be held accounable for what they have done to my hard earned credit. I did " not authorize '' them to run my credit 4 times with out my consent.
Product: Credit reporting or other personal consumer reports

attached identity theft report please remove XXXX  account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Product: Debt collection

I am filing this complaint because ALLY FINANCIAL ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting or other personal consumer reports

I listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report from deletion. I am Requesting Transunion to mark these iquiries fraudulent and remove from my Credit Report.
Product: Credit card

Discover Card They close my card with out telling me they was closing it. I have had Discover Card from XXXX XXXX XXXX 
I never had late payments or never overcharged! They have my email and would send me alerts, if there was any alerts to my credit. 
I get a email saying my alerts are turned off. ( Why is this ). I call card service and ask them what is going on. Told me they sent letter that I need to use card or they close it. I did not get any letter in mail. Why did they not email me telling me this? I would of used card to keep it open. Told me card is closed can not open it back up I would have to get a new one. This is not right! 
They are more then willing to let you know if you don't make a payment!
Product: Debt collection

Postmarked XX/XX/year>. I received a letter from NES of Ohio debt collector requesting I pay {$860.00} and {$2100.00} from XXXX  XXXX XXXX. I am writing to dispute this debt that they claim that I owe. I have never heard from this collector before, and they have not provided me with any supporting information for verification. Under the Fair Debt Collection Practices Act ( FDCPA ), it is my right to request this verification via a written letter sent to NES within 30 days of receiving the notice. I did ; on XX/XX/year>, I sent a written Debt Verification letter via certified mail requesting the following information in writing only, at my mailing the address listed on my document : 1. The name and address of the original creditor.

2. The account number of the alleged debt.

3. The amount of the debt, including an itemized list of any fees or charges added.

4. The date the debt was incurred.

5. Documentation that verifies the debt is valid and that I am legally obligated to pay it. 
6. Proof that you are authorized to collect this debt on behalf of the original creditor.

7. Additionally, please provide me with a copy of any judgment, if applicable. 

As of today, XXXX, ( well past the 30 day window ) NES has not contacted me or verified any of this debt. This is in accordance with my legal rights under the Fair Debt Collection Practices Act ( FDCPA ) and the CFPB XXXX rights under federal law. This debt needs to be erased from my credit reports. I have documentation of my certified mail receipt as well as the XXXX postage receipt with the tracking information that shows NES received my letter on XX/XX/year> and neglected to verify these amounts owed.
Product: Debt collection

Indiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX I have no idea what this is. I was not in Indiana in 2015
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cashapp ( Block.Inc ) due to indequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Futhermore
Product: Debt collection

I was never late with this account and I have the proof and the letter from them and still the credit bureaus hasn't fixed this. is very frustrated to not have this resolved.
Product: Debt collection

In XX/XX/year> Credence Resource Management, XXXX XXXX was notified via certified mail requesting signature of an agreement or contract per Arkansas Statue of Frauds XXXX ( a ) ( XXXX ). Credence Resource Management, XXXX XXXX has failed to provide the requested documentation and continues to report the alleged debt to consumer report. In addition Credence Resource Management, XXXX XXXX has and continues to violate the CFPB proposed rule under director XXXX XXXX which prevents medical debt from being reported to any consumer reporting agency. Credence Resource Management, XXXX XXXX violated 1692g of the FDCPA failing to mark the debt as disputed
Product: Debt collection

Midland Credit Management has much of our old credit card debt. I am an XXXX survivor with XXXX and sadly had to stop working after I ended up in a XXXX   program for a major setback due to a triggering event at work regarding a member of the management team being arrested for XXXX XXXX  XXXX  of XXXX  and yet still being allowed to work at the same establishment. 

In the last few years, we have sent countless letters sent by standard mail, certified mail, email and have had direct phone conversations with Midland Credit Management explaining that the only income acquired is our SSDI ( XXXX ) and that we can not pay the debt. 

Despite us following their instructions completely for the last two years, they have kept calling, sending letters and summoning us to court. As both my husband I and suffer extreme XXXX and XXXX  XXXX  this is adding quite a bit more to the already fragile situation we live in. 

We sent the documentation to the court and they do acknowledge that as SSDI recipients they can't collect, but the company does not stop the attempts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - XXXX XXXX. Opened XX/XX/XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX XXXXXXXX. Opened XX/XX/XXXX Balance : {$20000.00} -Barclays Bank Delaware XXXX Opened XX/XX/XXXX Balance {$14000.00} appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Product: Credit card or prepaid card

Bank Of America XXXX Closed XX/XX/2022 i called XX/XX/2022 Closed my B of A credit card due to a XXXX I paid XXXX i was XXXX was Due in XX/XX/2022. 
I Missed XXXX Payment I Missed XXXX Payment please with XXXX XXXX and XXXX XXXX XXXX and i was XXXX I call both credit card companies to correct the payments arrangements I never received and written statement stated that i was 30 day behind to my Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts listed on my XXXX and Equifax credit report are fraudulent and not my accounts : XXXX XXXX XXXX XXXX  XXXX {$100.00}, XXXX, {$0.00}, XXXX, {$4.00}, XXXX, XXXX {$170.00}, XXXX XXXX XXXX XXXX {$340.00} and XXXX XXXX XXXX XXXX {$250.00}. I never applied for any of the accounts listed. The accounts dont belong to me and they are all fraudulent accounts.
Product: Mortgage

PHH mortgage service is trying to shorten my forbearance terms by overlapping three month periods. I made XXXX payment in XXXX and then at the end of XXXX I called to get a three month forbearance starting in XXXX. Yet they are counting my forbearance as starting in XXXX because thats when I happened to place the phone call. Even though I already gave them marches payment. And I didnt apply for the forbearance until after I made that payment. 

This is all pandemic related and Im at the end of my fourth three month forbearance period. 

So before my next extension I should owe my next payment starting XX/XX/XXXX. But they show me as two months late as if I owed for XXXX and XXXX. 

When I talked to them on the phone they mentioned apparently sometime at the end of my second three month extension in XXXX I had called at the end of the month to extend starting the following month, and they did the same thing. Overlapping it again. 

Their fuzzy math allows them to provide the obligatory 18 month period in less than 18 months. In fact if I had called at the end of the last month in each three month period, to set up another extension, I could wind up being as much as four months short based on their math. 

XXXX XXXX says I can get up to 18 months, and with PHhs creative mathematics they can potentially squeeze that 18 months into a 12 month period. 

When this pandemic is over and the country starts re-opening, Im still going be one of the last people to resume work based on the kind of work that I do. So Im going to probably need the entire 18 months
Product: Credit card

Capital One has for quite awhile allowed its customers to pay their Credit Card Balances with their Capital One Debit Cards. This payment method is effective, and quick with the payment posting instantly. Now they have removed that option in an antiquated move back to the outdated ACH system. Payments that previously posted instantly now take 5-10 business days to post, For many people who struggle financially, a payment taking 5 days to come out of your account means that the money is not going to be there when they finally process the payment. Since this change in XXXX, I have had numerous payments bounce as they do not process them quickly enough. This is outrageous. No transaction in the modern world should take more than 15 minutes to process. I don't even understand why ACH must be used when paying a credit card with the checking account at the same bank. Why can't they just process it instantly. This move is clearly an effort by capital one to push their customers into financial hardship so they can close accounts that they approved previously and are looking for a reason to close. Make the payments harder and have more hoops to jump through and then penalize customers when they have trouble paying.
Product: Credit reporting or other personal consumer reports

i been disputing this account with this company for over 1 year that account is not mine XXXX XXXX  account XXXX XXXXXXXX
Product: Debt collection

I have been working tirelessly on bettering my credit. I have had confirmation from debt collection agencies that some collections were falsely added to my report. I continue to get collections placed on my reports without any knowledge of them what so ever. No communication has been made, and I have not been made aware of any amounts or debt that I owe. I have not given a chance to pay anything, I do not know what they are for. Some are buying my debt from other places and saying I owe them. I have gone back and forth with the bureas they have removed the collections and confirmed that I was correct but then re instate it in my report after getting my results from them. I feel like I am getting scammed or it's fraudulent. Why am I not being notified and getting sent straight to collections. Most of them do not have my correct demographics or information. I am completely distrusted in everyone, I do not know what is happening and this is very unfair.
Product: Mortgage

I had processed a payment through my bank 's bill pay function to Freedom Mortgage ( as I have done for all the previous {$1500.00} monthly payments ) in the amount of {$27000.00} to pay down the balance. Nine days later the amount had still not been withdrawn from the account, so I registered a call to inquire. Was told that anything over {$10000.00} has to come as a certified check and that they would be sending back the {$27000.00} payment. I then asked for the payoff balance and was told it would cost {$30.00} and take three days. Don't know if this is typical, but I recently sold another property and the payoff balance was available online instantly and at no cost. Now, not only will I have the {$30.00} expense for information that should be readily available for free, but also a stop payment expense from my bank since they could not confirm receipt or mail back of the {$27000.00} payment. I supposedly do not have a payoff penalty with this mortgage, but it sure seems like they are doing everything in the power to prevent an early payoff.
Product: Credit reporting or other personal consumer reports

XXXX has reported an auto loan on my credit which i provided that don't belongs to to me and now XXXX sold the account to united auto and it shows 2 open accounts under one auto loan which is against the law and should be remove from my credit ASAP
Product: Checking or savings account

On XX/XX/2022, I used a chimney repair service, XXXX XXXX Chimney Sweeping ( https : //avantchimney-alhambra-chimney-sweeping.business.site/ ). They sent a chimney sweep XXXX XXXX to my house. After completing the work, he refused payment by check and demanded payment through Zelle. I paid him {$1500.00} for chimney cleaning/brick repair and an additional {$200.00} deposit for a cap and damper both through Zelle. The brick work he performed was subpar and fell apart within 10 minutes of him leaving my house. He returned and attempted to repair it but made it look much worse. He also did not put down any plastic sheeting and mixed mortar in my living room leaving a mess. I spoke to his boss " XXXX '' who said he would refund me the {$200.00} deposit ( since we cancelled the cap and damper work ) and {$400.00} towards cleaning my house. I called Zelle and they refunded me the money subject to an investigation. A few days later, the money was removed from my XXXX checking account and I was told to resolve the issue with the business directly. Since then I have tried to call and email XXXX. The phone number listed on the website no longer works. XXXX, the XXXX refuses to answer my calls to his cell phone ( although I have texted him photos ), and it turns out the chimney sweep is an unlicensed contractor ( after checking with XXXX XXXX ) and perhaps works at a company called XXXX XXXX XXXX XXXX. XXXX is actually an answering service called XXXX XXXX XXXX. I would sue them in small claims court but have been unable to find an address for any of the companies involved and believe the setup to be fraudulent. I have repeatedly requested my {$200.00} deposit back plus the {$400.00} for the cleaning fee but my repeated attempts at resolution have gone nowhere.
Product: Mortgage

I paid {$2100.00} ( Cash ) to specialized loan servicing due to the fact it was due on the XXXX of XXXX ( Had the bill for a month ) & i had already rec 'd a transfer of servicing my loan to XXXX, XXXX  XXXX  XXXX, whose transfer notice had no information about my loan or an amount to pay on the payslip. I didn't want my FICO score to fall so i sent the above mentioned Amount by XXXX XXXX on XX/XX/XXXX ID # XXXX, XXXX AM payment {$2100.00} assuming they would send it over to the new server. ( That wasn't The case ) Evidently, it had not reached them until the afternoon, because they told me they would not accept the payment when it was wired to them. The woman was adamant about them not accepting it. ( So i assumed XXXX XXXX would get it back & inform me ) At lunch i checked the Tracker on XXXX XXXX & it showed accepted/delivered, the confirmation number is XXXX. That afternoon, I spoke to a man named XXXX & he checked my information & confirmed. He said a dept. called the Resolution group had it & didn't know how long it would take to be released. This morning they closed all of my accounts on all 3 credit agencies. They all dropped XXXX points because XXXX wasn't on the reports with my Mortgage Transfer amount. I would like my money back since SLS had no account to appy it to. Timing is kind of funny that they closed it the day after i spoke to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter onXXXX XXXX, 2022 to CREDIT bureaus to removeXXXX XXXX XXXX XXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any ITEMS or information not later than XXXX business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

A business account XXXX XXXX card was compromised and changed to a fraudulent address, fraud and unauthorized charges were made on the account i reported it and the account was closed from XX/XX/2017, now after 6 months they put the fraudulent charges on my personal credit report with a balance of XXXX. i do not owe them any funds, the account had a -- {$5000.00} credit balance in XX/XX/2017 and the account have been closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Services has agreed to remove the late payment and it will reflect on my credit report within 15 days, we have this in writing. It was removed immediately the next day from all 3 credit bureaus after they agreed. But then the late payment reappeared again in a few days. This is causing a major dip and confusion on my credit report and goes against what was agreed. Today makes 15 days and the late payment is still on my report.