23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my 30 year fixed harp mortgage changed from {$750.00} monthly to over {$2000.00}. I was sent a higher mortgage payment in XX/XX/XXXX and when i called, they said that my insurance or taxes must have gone up, raising my escrow but after checking with both i was told no, the escrow was to remain the same. I continue to receive 2 phone calls a day from Nationstar mortgage, continue to receive letters with increased monthly mortgage payments plus late fees and have attempted to speak with them on the phone to no avail. One person whom I spoke with said that the mortgage company must have applied a mortgage i sent in in XX/XX/XXXX to principle rather than a payment and I tried to tell her that I did not intend this to happen and no one contacted me. This phone call took place inXX/XX/XXXX. I get phone calls at XXXX XXXX every XXXX ( I work XXXX until after XXXX so this is early for me and wakes me up every XXXX ) then they call me again in the afternoon when I am work and ca n't talk to them ... ..customer service is manned by " English as a second language '' people and ca n't understand the issue, reading me a script which does n't help. I have been working on this for over a year ... .please help.
Product: Debt collection

I disputed the following accounts on XX/XX/year> XXXX XXXX XXXX account # XXXX balance {$610.00} Citicards CBNA Secured credit card account # XXXX balance {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX balance {$0.00}
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX Took {$1300.00} from my checking. They had claimed I had an account with them From XX/XX/XXXX. They started calling myself in XX/XX/XXXX to see if I wanted to keep there service. I said no. They were giving myself the run about cancelling. I had opened my banking account with them on line with my laptop. That is when they took the money out of my checking. Now they are saying if I do not cancel the service with them. They will take {$6800.00} out of my account. I have talked to a lawyer about this. Was told by the lawyer that is a scam and not to talk with them. In XXXX the lawyer got them on the line. So it was a XXXX way call.The lawyer had said that this was a scam. The person from XXXX XXXX said it was not a scam.They always use phone numbers that can not be traces. The last call i got was XXXX. XXXX XXXX XXXX XXXX ext XXXX. That was XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX XXXX credit card on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my XXXX credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXXXXXX XXXX and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.
Product: Credit reporting or other personal consumer reports

Transunion shows a hard credit inquiry from XXXXXXXX  XXXX  in XXXX. I did not apply for credit. Transunion does not allow disputing of hard inquiries. I called the number from XXXX XXXX and they said theyd remove it but it hasn't corrected.
Product: Debt collection

LVNV FUNDING LLC ... 
{$410.00} {$450.00} {$580.00} On XX/XX/2019 I sent a debt validation letter to LVNV FUNDING LLC which clearly states I am requesting the documents that they have that are supposedly tying me to the accounts they are saying belong to me.i sent the letter via certified mail, it was signed for and I have not heard back from them.at all.
Product: Credit card or prepaid card

To whom it may concern I want to raise this compliant to American Express Membership Reward program. I will need help to lift the freezing account so I can transfer my points. 
I were trying to transfer my American Express membership reward points to my two authorized user linked to my account ( employees, redeem points for Company travel. ) I was able to transfer points to first account. However, yesterday, XX/XX/2019 I tried to transfer second account, the website give me error. code # XXXX. Contact AMEX staff online chat, they ask me to call Membership reward program. Called the reward program and then they ask me to talk to Fraud department. This morning, XX/XX/2019, called fraud department and clear my identity, they send me back to Membership reward program. Staff in the reward program still have trouble to transfer my points. According to what he tell me, my account is under review. My account is currently freeze for any transfer points. It is very frustrated. All my points are ligament and through normal purchase. 

Thank you very much. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some fraudulently obtained information from my credit report, however, there is still information that has been forwarded to me that needs to be deleted or blocked. According to FCRA section 605, credit bureaus are required to delete any records listed on an ID THEFT REPORT. I am including this item again since I proactively remembered it from an earlier correspondence. My attorney is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I paid off my loan for a XXXX XXXX. However, I never received the XXXX release or title and only received a letter about XXXX release recently after I requested these documents to be resent. When I called the XXXX, the XXXX representative informed me on the phone that since my title is an electronic title ( XXXX ), Westlake Financial ( Westlake ) was supposed to send the XXXX XXXX electronically to the XXXX, and that the letter I received from Westlake is only for my record and does not substitute the direct notification of XXXX XXXX necessary for me to obtain my title. The XXXX also confirmed that the XXXX has not been released. 

I was on the phone with Westlake on multiple occasions ( XX/XX/year> and XX/XX/year> ), and have received pushback on this. In particular, when I requested multiple times for the direct XXXX XXXX to the XXXX, I was told : XXXX. By XXXX representative that Westlake sent the title to me on XX/XX/XXXX. ( Call on XX/XX/year> ) XXXX. By her supervisor that Westlake never had the title because it was a new car ( I did pay it off before the first payment was due ). This supervisor also mentioned that the dealership has the title. ( The dealership when I called said they did not have my title ) XXXX. Someone from Westlake then in a different phone call insisted they sent the XXXX XXXX to me. and when I informed them of the XXXX instructions followed by my request for them to send it to the XXXX and not me, they told me XXXX more time they resent the XXXX XXXX to me, then hung up the phone. 

XXXX. I spoke to the supervisor on this next call- I think it was XXXX that I spoke to. She said she Westlake has no way of sending the XXXX  release electronically and directly to the XXXX. Then, after more conversations, she mentioned actually the only way for Westlake to send the XXXX release to the XXXX is for the XXXX to call Westlake to request it, since Westlake can only send XXXX release to account holders in their system. She mentioned all her customers bring the XXXX release letter that they send out to the XXXX and they all can get their title, which the XXXX representative inform me was not the case with my title since it is and electronic title ).
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX  balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.
Product: Credit reporting or other personal consumer reports

This company make a big mistake with my credit report they said I have missed payments! But, its no true! Only thing I did was delay payment for a couple days.
Product: Debt collection

XXXX XXXX XXXX XXXX dba Attorney for Glasser and Glasser P.L.C. is attaching me to debt because my name is on the deed of the property. Glasser and Glasser purchased a debt from XXXX XXXX XXXX XXXX and is alleging I owe a debt when I have no contract with Glasser and Glasser P.L.C. Glasser and Glasser was notified multiple times first starting on XX/XX/2023 via Certified mail that there was a billing dispute between XXXX XXXX XXXX XXXX and the person on the Note. 
The multiple notices have been ignored by XXXX XXXX XXXX XXXX dba Attorney and agents of Glasser and Glasser P.L.C. 
The original mortgage has been bifurcated. This is likely due to the closing Attorney, XXXX XXXX XXXX, XXXX, who was assigned by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX license to practice law was suspended approximately 6 months after our closing due to making false statements on XXXX XXXX matters to XXXX agents. Then, 7 months after that, his license to practice law was revoked for misconduct. A notice has been sent to XXXX XXXX XXXX XXXX and Principal for Glasser and Glasser P.L.C. via Certified mail regarding this matter. 

XXXX XXXX has been noticed of the error at closing via XXXX Mail. 

This complaint is being provided so that XXXX XXXX XXXX XXXX doing business as Attorney and any other agents of Glasser and Glasser P.L.C. CEASE and DESIST collection efforts and threats to foreclose on the property. In addition, Glasser and Glasser and its agents must CEASE and DESIST attaching me to an alleged debt for which I am not responsible. 
Glasser and Glasser has been notified via Registered Mail that this debt has been discharged per the original note holder. 
Notices to XXXX XXXX XXXX XXXX have been ignored and now he is threatening to foreclose on this property using deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following 3 companies have fraudulent information, wrong personal information : XXXX : NAME should be " XXXX XXXX '' PREVIOUS ADDRESSES : I do not recognize those addresses EMPLOYERS : XXXX XXXX is not correct Experian : ALSO KNOWN AS : I am not known by any other names other than my actual Name which is " XXXX XXXX XXXX XXXX I am NOT " XXXX XXXX XXXX '' or " XXXX XXXX '' DATE OF BIRTH : should be XX/XX/1995, not just " XXXX '' PREVIOUS ADDRESSES : I do not recognize any of those addresses Equifax : NAME : should be " XXXX XXXX XXXX FORMER : i have no former names EMPLOYERS : XXXX XXXX is not correct All of this incorrect/fraudulent information is hurting my credit report and not allowing me to qualify for mortgages or anything. This false information also is making Charge-Off accounts to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with CITI. CITI decided to convert the card months ago from a VISA to a Mastercard. I just found out that the conversion is still not complete and that they have been showing a balance on the account as twice the actual balance - as if the old card and the new converted card both hold my balance. This has negatively affected my ability to get additional credit from another company. I discussed this with CITI twice and they have confirmed that my balance on my credit score shows up as twice the actual balance and will continue to show up that way until they finish the card conversion I never requested. If this is affecting me, just think of the number of unknowing customers this is affecting. I am in the process of trying to move my balance off of a CITI account and close the account, but I can not make this happen immediately. Help. I have no idea how to stop this mismanagement of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX O XXXX, IL XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Contacted TSI after realizing they placed a debt on my credit reports ( XXXX ) of a balance {$10000.00} from my past landlord XXXX XXXX XXXX / XXXX XXXX XXXX XXXX This was paid in full through Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is now fraud, due to XXXX XXXX XXXX ( landlord ) not crediting the full payments to my account.
Product: Debt collection

I have received no less than XXXX calls since XXXX XXXX from this company stating there is a matter they need to discuss with me. I have contacted an attorney as they recommended and they gave her no information as well. I would like this harrassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit card

I have tried multiple times contacting Citi for help with my credit card account, each time has been unsuccessful. The first time I waited for 30 minutes and hung up. Second time I waited for an hour before hanging up. An email to customer service yielded a generic apology and reference to how I could not receive a refund of my annual fee.
Product: Debt collection

This company started calling me on XXXX/XXXX/15. Since then I have received XXXX more calls. 

On XXXX/XXXX/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy XXXX accent. 
Asked for me to verify my personal info. 

I do not have any outstanding debts, and believe this is a scam.
Product: Checking or savings account

On the XXXX of XXXX, XXXX. I deposited a check in the amount of {$400.00} to my chase account. My deposit cleared 48 hours later to which my account was randomly restricted. I was told by the fraud retention group, after 7 days this account restriction would be removed. They were hoping during this time, the check would return. But, a legitimate check has no reason to return. They have me in financial strife currently due to me being unable to access completely cleared funds that I am entitled to. As of XX/XX/XXXX my deposit has still not returned and I am unable to access my account. I have no online access to my account either. Chase Bank has tried to reach out to the check maker, and still will not kindly release my funds after promising a release date of 7 business days from my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX  XXXX. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX.
Product: Credit card or prepaid card

Numerous correspondence back and from Barclays Bank of Delaware ( my credit card company ), indicates they could have reversed the charges for : Airline tickets CANCELLED by the airline Timeline : XXXX- Barclays spoke to airline, XXXX, whom agreed " over phone '' to reimburse me per submitting my checking acct. information through a responding email. Although I was told this was not legally necessary because they could have reimbursed me through original method of payment- my Barclays credit card- I STILL COMPLIED TO SUBMIT MY CHECKING ACCOUNT INFORMATION. 

From XXXX to XXXX ; continuously advised Barclays that XXXX was not responding to my request for refund. Due to XXXX XXXX change in Personnel, every time I called for follow up, they could not locate the reimbursement request with my checking account information that " I had already submitted '' to the prior employee. I was told to resubmit again to the new employee. This was done 3 plus times ; emailed to : XXXX, XXXX, XXXX, and their legal department as well at : XXXX, ALL OF WHOM HAVE NEVER RESPONDED. 

In XXXX, I wrote to Barclays indicating the issue I was having with this company. 
I was told by Barclays to " wait '' and follow their instructions of waiting 60 days. 

Between XXXX & XXXX ( 2020 ) and my numerous attempts to collect on my refund, I contacted Barclays again in XX/XX/2020, and requested they re-open my claim. I was told they would do so but no response. I contacted Barclays again in XX/XX/2020 and finally they really did reopen my claim and later in XXXX, they sent me a denial indicating my time frame had lapsed and they could no longer collect or reverse the charges. 

Only reason I have attached a consumer complaint database info is to show Barclays does not assist in disputes -- over 1200 recent complaints regarding same issue.
Product: Checking or savings account

On XX/XX/XXXX, I received a call at noon saying it was from Citibank and asking if I had made purchases with my card in the state of XXXX. I said no because I live in XXXX XXXX. Then the person who said it was from the bank said that I would have to change my card. Then the person asked me my mother 's name and the name of the school I attended. I think these were the names I entered when I opened the bank account. Then the person asked me for a code that he sent in my voicemail and then said that the new card would arrive at my house in XXXX days. On the XXXX at XXXX I got home from work, accessed my account through the app and saw that a transaction of {$9200.00} had been made to the name of XXXX XXXX XXXX I went to the bank in the morning and someone from the bank helped me make the report, 10 days later I called the bank to find out about the situation and they told me that the case was closed because I provided my bank details, can you help me?