23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A Bank of America representative called me in early XXXX for the purpose of collecting a debt owed on credit card number XXXX. The representative offered to settle the amount owed for a payment of {$9400.00}. I told the representative that I needed to think about the offer and was told that the offer was good through the end of the month. I was also told that I should make a payment before the due date on the account and that anything I paid would be applied to the settlement if I decided to settle before the end of the month. I made an electronic payment of {$3000.00} a few days later and called BoA on or about XXXX XXXX to finalize the settlement. During the call it was determined it the Bank of America representative needed to speak with my wife, the co-account holder. At the time I was away from home so speaking with my wife was not possible. However, I told the representative that I would at home in approximately 10 days and could call back at that time. The representative said that would be acceptable but informed me that I had to conclude the settlement prior to the end of XXXX. On XXXX XXXX at approximately XXXX XXXX CT, I called Bank of America Collections Department to conclude the settlement. The representative with whom I spoke said that even though I had made a payment of {$3000.00}, the settlement amount would be the entire {$9400.00} instead of {$6400.00} ( $ XXXX {$3000.00} ) as earlier stated. I asked the representative if there was documentation in my account file supporting my claim that only {$6400.00} was needed to settle. The rep acknowledged that there was such documentation but that BoA was no longer honoring the offer. I told the rep that this constituted trickery by BoA and that I would file a complaint with the FTC unless BoA honored it 's offer. The rep declined to honor the offer. I request that my account file be subpoenaed as well as the audio recording of the call ( the rep informed me that the call was being recorded ). I consider this to be the ultimate in deceptive banking practices and find it unimaginable that bank of the stature of Bank of America would engage in such practices. Further, I suggest that BoA be investigated for engaging in this practice as a regular collection procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX PL XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GAXXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$7500.00} ; ( Original Creditor : XXXX XXXX AP ) XXXX XXXX XXXX {$2600.00} ; 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 disputed an accounts balanced owed amount, because it says Im behind but the account is paid off. I will attach a screenshot of the account in my app. I want this removed it is causing harm to my credit. Experian said the account and its information is accurate. Well it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things that were 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. and according to 15 USC 1681s-2 they are sup
pose 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to formally request the removal of the debt collection account associated with I.C Systems INC,04/03/2019 in the amount of {$800.00} from my credit report. After reviewing my credit report, I noticed that this account was added in error, and I would like to resolve this matter as soon as possible. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any information that I believe to be inaccurate or incomplete. To ensure that I am fully informed about this debt, I kindly request that you provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The account number associated with this debt. 
XXXX. The amount of the debt, including any interest, fees, or other charges. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Copies of any documents that show I agreed to pay the debt. 
XXXX. Proof that you are legally authorized to collect this debt. 
Please note that until I receive this information, I do not acknowledge or accept responsibility for this debt. I kindly ask that you investigate this matter and provide written confirmation of the removal of this account from my credit report. Additionally, please cease all further communication with me regarding this account, as required by the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated by law.
Product: Credit reporting or other personal consumer reports

I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX  account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. 

Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.
Product: Mortgage

Had home mortgage through US Bank. Wife got injured on job in XX/XX/2014, could n't make house payments. Tried selling house since then. Found job in another state and had to up and move for better job. Have been trying to do short sale since XX/XX/2014, with US Bank giving us the run around ( never calling us, never telling us the short sale expired ) and this has been going on from XX/XX/2014 to now. We 've actually had to let buyers go several times because US Bank has been dragging their feet on the short sale. As a matter of fact, we now have an offer again on the house but our realtor ca n't do anything because US Bank is saying once again that our application has expired so we are in the process of starting over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX and XXXX XXXX
Product: Debt collection

In the past month, I've been receiving phone calls on my cell phone from various phone numbers, all starting with XXXX. So far, there is XXXX ; XXXX ; XXXX ; XXXX ; XXXX. All starting with XXXX area code. I took one of the calls and individual addressed me by my maiden name, which I haven't used in 25 years. He insisted on me giving him information, though when I asked him from what company he would not tell me, only that it was regarding an outstanding debt. I told him I have no outstanding debt & that I have excellent credit, always have. I ended up hanging up on him since he was really pushing for me to provide information. I would not! The calls have not stopped. I looked up the phone number and the company name is Diversified Consultants , Inc . There are many negative reviews on this company stating they are scams and DO NOT provide any information. They do, however, manage to ruin credit for people. This is my great concern. As of last week, I ran my credit report and it is still excellent and no debt appearing.
Product: Mortgage

Bank of America continues to erroneously report a mortgage payment made in XXXX XXXX as being 30 days late. I have submitted letters with a bank statement ( the latest letter was sent on XXXX/XXXX/XXXX and BOA acknowledged they received it ) showing the payment was made on XXXX/XXXX/XXXX and cleared a BOA checking account on XXXX/XXXX/XXXX. I have made numerous calls where I am promised someone will look into it and get back to me.. and I hear absolutely nothing. The latest call was on XXXX XXXX, I spoke to a supervisor in XXXX, Az who gave me his contact info and said I would be hearing back in 3 days. Never heard a word, called and left several messages. To date still nothing. Every rep I spoke to acknowledges that the payment was made within 30 days, then transfers me to another department, who then transfers me to yet another XXXX and no one can seem to rectify the issue. Bank of America 's lack of customer service and trained employees is toxic to their customers financial well-being. I have also tried to resolve this through Experian, but was told I shoudl contact the bank,. I need this resolve ASAP as it is affecting my credit rating.
Product: Vehicle loan or lease

Made contact with XXXX XXXX XXXX XXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX and XX/XX/2023 about the inaccuracies on my credit report and the creditor and bureaus have failed to abide by the Fair Lending Laws and Regulations.
Product: Credit card or prepaid card

I have been receiving call from Citi Bank claiming my XXXX XXXX account is part due. I have received at last count XXXX calls. They always leave messages stating that my account is past due and to call then immediately. I did answer XXXX call and told them their information was incorrect and they hung up as I was speaking. I have blocked numbers XXXX ( XXXX and XXXX ). The calls have continued. I did contact XXXX XXXX and they said my card had been compromised and they canceled that card and are issuing me a new card. 
I don't know how to stop this.
Product: Debt collection

I asked them to send me proof that I owe them and the only thing they sent me It was a paper that said " Balance Due '', that does not prove anything, the authorization of the HIPPA is expired because it is from 2013, I do not understand why they are charging me interest on a medical debt.
Product: Credit card or prepaid card

On XX/XX/XXXX my son was in a horrible accident ; resulting in XXXX XXXX XXXX over XXXX XXXX XXXX XXXX XXXX. This was immediately on the heels of my employer ( XXXX XXXX ) laying my off while on disability/FMLA for XXXX XXXX. 

As a result I struggled most of XXXX to keep up with my bills, but I was able to make minimum payments until I was able to get back to work in XX/XX/XXXX. Unfortunately getting back to work did not help much as it required me to work out of state for nearly a year. The added expense meant I was no longer able to make my minimum payments on my Walmart credit card. 

So I contacted their customer service department and advised them I was paying for protection against this very issue. I advised I wanted to take advantage of the Debt Forgiveness program ; for which I was paying, and requested the paperwork to apply for Debt Forgiveness. I was advised the paperwork would be sent to my billing address. 

The requested paperwork was never sent/received. The next thing I knew Walmart had, instead, sold that debt to a bill collector. Instead of the debt forgiveness, for which I paid and qualified to use, I now have TWO companies hitting my credit report for THE SAME debt. ( Walmart and XXXX XXXX XXXX  )
Product: Debt collection

I have dealt with this on my other credit reports. They have an account showing with sprint, that is fraudulent. It has been removed off of all other reports, except XXXX. 

The account was never mine, and now its causing me issues with a home mortgage. They offered to let me pay for an account that was not mine, and they would remove it. With me paying off a debt that is not mine!!! I will not, and I refuse to pay something I do not owe!
Product: Credit reporting or other personal consumer reports

on XX/XX/2024, I submitted a dispute to Equifax stating that in XX/XX/2024 I was only XXXX  days late but they have me as a XXXX  day late and that is a violation and can not be there. I would like a proper reinvestigation of this dispute and If anything is inaccurate, incomplete and consistent or unverifiable in anyway they must update the account. I do not believe they did a complete investigation for one it took less than a day and everything came back verified which I know for a fact, all they did was run it through the system, and it connected me to an address and just automatically verified it. im tired of these credit reporting agencies constantly, and repeatedly breaking the law just so they dont have to do the work. According to 15 USC 1681 If my report is not 100 % accurate that they must update or remove that item. So lets actually do an investigation so I dont have to keep doing this over and over and over again.
Product: Credit reporting or other personal consumer reports

I have contacted fortive and informed them that I have no knowledge to the account, and I did not give them a written consent to report extend for the letter with my name on it for authorization nothing was given XXXX/FORTIVA 120 DAYS LATE Credit Cards {$1400.00} Status Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$130.00} Account Details Account Type Credit Card Responsibility Individual Credit Limit {$2000.00} Credit Used 71 % Highest Balance {$1800.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$130.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$22.00} Payment Frequency Not Reported On Time Payments 91 % Lender Info XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Remarks
Product: Debt collection

Ive already put in a complaint with the XXXX about 21st mortgage trying to collect a full payment of XXXX for XXXX mortgage payment. They had already received a. Default payment of XXXX and have cashed the check. They receive payments by check in mail and cash every single one. No notice my payment was short XXXX dollars before sending a notice about repossession of my home. I have no issue paying the amount I was short but they want the full payment for the month. When confronted with this issue through the XXXX  they closed all contact with me through them. I had to put to complaints in for them to finally respond to the second and sent proof of them cashing the check for my mortgage payment. I am in the process of finding a lawyer for their illegal activities. The attached files are from my mothers checking account. I dont have checks so she sends them in for me.
Product: Checking or savings account

I opened the Citibank checking account with a specific promotion. Both the banker and the main brochure confirm that I am eligible to receive the promotion bonus of {$700.00} once I put new money of >= $ XXXX and keep them in the account for 60 days. 
When I opened the checking account 3-4 months ago, the banker double confirmed that as long as I put over $ XXXX in the new opened account and keep them for the required period, I would receive the {$700.00} bonus. 
However, everything looks to be cheating customers. After the completion of the program, I only received {$300.00} bonus instead of {$700.00}. Citibank says that only certain methods of deposit are allowed, and the XXXX transfer of just a few thousands dollars are not counted. 

It's really a behavior to cheat customers. Because the banker who opened the account for me emphasized and confirmed that the only requirement is to keep >= $ XXXX balance in the account for 2 months. However, after everything completes, Citibank says that a few thousands of deposit are not counted but the banker confirmed that there was no requirement on the deposit methods. 

I think Citibank is doing this to cheat customer. They hide the information to be not obvious at all and the banker mislead you on purpose. As a result, they can defend themselves that you keeping the $ XXXX balance in account for months does not meet the requirement so they DONT need to pay you the deserved bonus. 

It's the worst banking experience I have ever had. I put the $ XXXX in the account for almost 4 months but ended up NOT earning the bonus I deserve. All the misleading information is cheating customers on purpose to do things in the wrong way to avoid paying out bonus as much as possible. 
I just CAN NOT understand why the requirement confirmed by Banker ( holding $ XXXX balance in account for 2 months ) ended up to be not working.
Product: Mortgage

I requested for mortgage assistance with Chase several times and only qualified for the program short sale or deed in lieu of a foreclosure. I accepted the fact that I had only the option of the short sale. In XX/XX/2016 the house was placed on the market as a short sale. The house had a offer within two weeks of being placed on the market. I contacted Chase to see if I qualified for the HAFA/Relocation assistance. The Chase representative looked into my account and told me I was eligible for the HAFA assistance at the full amount of {$10000.00}. My realtor has been very timely in sending Chase all documents needed for the short sale. Since the offer has been submitted in XX/XX/2016 Chase has been dragging their feet in this process. Now the HAFA/relocation program has expired XX/XX/2016 and Chase is telling me I no longer qualify for relocation assistance, even when my home was listed and going through the process prior to the XX/XX/2016 expiration date. I feel my account and loan should still be honored for the relocation assistance. I 'm making sure the property is being taken care of and has not been abandoned through this process and feel Chase should grant me the relocation assistance that I originally qualified for.
Product: Checking or savings account

On XX/XX/year> I was contacted by Marcus by Goldman Sachs regarding a transfer I made from my Marcus savings account to my XXXX  savings account. I authorized the transaction, but received no explanation of why I was being contacted. I made plenty of transfers in the past completely online and without need for any kind of additional verification or inconvenience, which was never explained to me. I only got a phone call for a transfer that I had made without explanation as to why I got the call. On XX/XX/year> I got an email from XXXX  saying the transaction was reversed even though I had already authorized a transaction yesterday by phone with Marcus. I then spend over 17 minutes with Marcus reverifying information I already verified the previous day and then had to verify it with three more people just to find out that I could not make the transfer to XXXX  but I could to XXXX. I asked for explanation none was given. As a result, my time was wasted by this unprofessional financial institution, I suffered loss of financial interest, and much frustration.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.