23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My complaint is with Citibank/Home Depot credit card services . I am currently making XXXX XXXX payments on a XXXX month promotional balance that is due to expire on XX/XX/year> in the amount of {$7800.00}. 

When you have a promotional ( deferred ) balance with Home Depot, you are allowed to allocate how payments are distributed to current, revolving and promotional purchases made. If your promotional balance is not paid before the expiration date, you will be charged interest. This is something that I continuedly tried to avoid and I tried being very cautious in staying within the term promotional balance agreement. However, in recent months, I've noticed that my past and current payments have not being properly allocated to my balances even though I selected the allocation option in my account. When I noticed that payments were not properly applied I immediately called Home Depot Credit Card Services to speak to a live agent regarding this situation. I explained to numerous customer services agents and allocation XXXX that I've been making regular payments towards all my past and current promotional balances so why am I still been charged hundreds of dollars in interest after making XXXX XXXX payments? Every single person failed to explain that all my payments were not being properly allocated on my past promotional balances and continued to ensure me that the problem was fixed. 


After countless calls week after week explaining this situation and trying to get a resolution, I would always get an apology ensuring that this option has been properly applied to my payments and balances and that everything is fixed on my account. However, I am still being charged interest on previous expired balances on top of what I currently owe. My last call was made on XX/XX/year> and I was told again that my payment allocation it is fixed and that there is nothing that can be done to correct the interest that I have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.
Product: Credit card

On XX/XX/year> I made a payment to Chase credit card of {$200.00} but my payment was not applied correctly and did not reflect in the amount to avoid interest, I called customer service and they did not give an explanation then hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check, nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. 

Accounts : Comenity Bank- XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX COMENITY BANK/XXXX  Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX  XXXX   XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and Equifax.
Product: Checking or savings account

I receive monthly retirement XXXX payments from TIAA acc Number : XXXX For XXXX they never sent a check-they deducted money from my XXXX even the check is marked not cashed My bank XXXX statement shows it was not received -I called them XXXX times and they promised to correct it ( cancel the missing check # XXXX for {$1500.00} ) and send a replacement check. 
I guess they stole my money Also I asked them in writing and also XXXX times by ph to change the sending address from my XXXX bank to my residence -they promised but never did-please
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an account with XXXX with a balance of {$40000.00} since I only see it on XXXX XXXX it does not report an account number. It shows I was an authorized user which I was unaware of anyone placing me on this account. This is not mine and it should not be listed on my credit file.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Incorrect Name - XXXX XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  - showing my account was charged off but that's not true XXXX XXXX XXXXshowing my account was charged off but that's not true XXXX XXXXshowing my account was charged off but that's not true
Product: Debt collection

I was never contacted about a debt collection. A debt collection agency found debt I was unaware of and put it on my credit report. They say they sent mail to an incorrect address and they use a phone number that is blocked by phone carriers, but they tried for 30 days before putting it in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my credit report without any information but the company name and address. After being transferred to XXXX different departments they told me they couldnt help me unless I knew the company ( ie : XXXX, XXXX XXXX, XXXX ) I told them I had no way of knowing that since I was reporting fraud and I didnt apply for the credit card and they told me they couldnt help me until I got that information.
Product: Mortgage

After speaking with a CFPB agent yesterday, XX/XX/2022, I asked the question ; Should I have been offered a formal written Forbearance Agreement in order to negotiate my delinquent mortgage payments instead of a general mutual acknowledgment of intent to sell the property on my own terms? 

The conversation I had with XXXX XXXX XXXX in the loss mitigation Dept @ JB Nutter makes no mention of Forbearance, only relates to a Short Sale that is described in the attached paragraphs. This conversation took place approx 6 months prior to to the litigation filing. 

The CFPB agents answer to me was YES, that should justify the filing of this complaint to the CFPB pertaining to this issue. 

Extensions of time to file for pre trail hearing has delayed the litigation process for one year. I am not clear on exactly why these extensions of time were requested. It occurs to me that this delay is not related to any of my conversations with the bank, or my personal situation.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 days late??? how? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan, title loan, personal loan, or advance loan

Title loan. Car was totalled n Florida. 
They overcharged my payoff... so I didn't finish paying. They kept on billing me and charging me late charges after I told them.
Product: Checking or savings account

Have a copy of CERTIFICATE OF DEPOSIT ( CD ) opened XX/XX/XXXX XXXX XXXX   marked New/Permanent CD for {$45000.00} joint account. XX/XX/XXXX went to Huntington Bank in XXXX, Ohio to check on CD due to the other person on the joint account passed away, XXXX got back with me in 4 days and informed me there was no records on this CD and to check with the Ohio Bureau Of Unclaimed Funds to which myself had done, thus there is nothing on file with the ( OBOUF ). Then I went to Huntington Bank in XXXX Ohio the first week of XX/XX/XXXX to see if someone else could give better answers. Spoke with XXXX XXXX about this CD, she informed me that at this time frame XX/XX/XXXX Huntington Bancshares Acquisitions took over XXXX XXXX and that she knew the person that opened this CD and she did some computer checking and asked the other XXXX XXXX question on this matter to where she researched this matter, thus XXXX XXXX found nothing on this CD and that she would look into further an that it would take more than ten working days. plus she made copies of the CD, so now it's XX/XX/XXXX sent a e-mail to XXXX XXXX on this matter and there is no reply. Ever since this CD was opened all mail and notices should have come to me and not the other name on the CD, thus there has never been nothing sent to me since the opening of this CD. I have this copy an they have no records. If this account was closed/dormant by Huntington Bank. they should have notified me and send a OUF form to the ( OBOUF )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was suppose to handle this situation, but it was never resolved.
Product: Credit reporting or other personal consumer reports

Credit inquiries for XXXX XXXX XXXXXXXX dated XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XXXX XXXX XXXX are the result of identity theft, and They are not belonging to me.
Product: Credit card or prepaid card

On XX/XX/XXXX I had placed and order for a flat iron by accident that I was unable to cancel from XXXX XXXX for the amount of XXXX and I had disputed this charge right away with my capital one Walmart credit card supposedly capital one had told me they would contact XXXX XXXX and get the charges reversed so they did and I guess by time capital one got a hold of XXXX XXXX they sent me the item already anyway So around that time when the dispute was being investigated by capital one I contacted XXXX XXXX and told them that I was trying to cancel the order and that there website didn't give me and Option to cancel the order so XXXX XXXX emailed me a return shipping label in which I had printed out and sent the item back for a refund XXXX XXXX received the item on XX/XX/XXXX at XXXX XXXX. And yet capital one was still investigating the charge I had told capital one that I returned the item and they said they would investigate further and reverse the charge since I sent the item back to XXXX XXXX and they did remove that charge from my credit card balance however today on XX/XX/XXXX. Capital one rebilled me for the charge for the item that was being disputed with XXXX XXXX in which I refuse to pay because I don't have the item I shipped it back to XXXX XXXX with the shipping label XXXX XXXX had emailed me I have he tracking number as proof the item got sent back to XXXX XXXX but yet capital one put the charge back on my credit card balance for me to pay which is wrong because the item is no longer in my possession
Product: Debt collection

collection agency is reporting to all 3 bureaus that i owe this unkown debt i am requesting that the collection agency provides that this debt is owed to them and or that the debt i unpaid .The debt is unknown and I have not recieved any communication from either the original creditor or the collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. As a victim of a data breach, my personal information has been compromised and used to create unauthorized accounts and inquiries.

Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries resulting from identity theft blocked and removed from my credit file.

Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from TranUnion, XXXX, or XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00}.
Product: Student loan

Navient Private Loans : For the last couple of months I have been calling to see if I can lower my payments. This month I go to check my account online and it says my payment is {$85.00}. I called several times and spoke with several different people who all say that my bill is {$110.00}. I have explained that I got multiple emails that say my total amount due for this month is {$85.00} and not {$110.00}, I also explained that I can't pay {$110.00} but I can pay {$85.00} or if there are other lower options. They don't seem helpful and willing on helping me pay a lower amount. I always call to make sure what to pay and if I need my payments lowered for the month. I've never missed a payment and always pay the amount owed.
Product: Credit reporting or other personal consumer reports

Capital One Financial Corp EIN : XXXX Capital One Capital II EIN : XXXX I am writing to formally submit a complaint against Capital One Bank for the following reasons : 1. Inaccurate Reporting The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve Loans I am concerned that Capital One may be abusing loans obtained from the Federal Reserve. It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account.

3. Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. 
This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part.
Product: Debt collection

I received a letter from this company proposing a settlement amount for a debt they allege that I owe. This is the first and only letter I have received from them. I am disputing the debt. I believe this company has violated the terms of the Fair Debt Collection Practices Act because 1 ) They failed to advise me of my right to request validation of the the debt within 30 days ; 2 ) They failed to advise me of my right to dispute the debt within 30 days ; and 3 ) Did not provide validation of the debt within 5 days of their original letter. I have responded with a letter disputing the debt and requesting validation and a request that any future communication be in written form.
Product: Mortgage

Earlier this year, my property was incorrectly listed as being in two counties simultaneously. After waiting over a month for " research '', Freedom Mortgage concluded that this was indeed their fault. Also, during one of my MANY contacts with both your tax department and customer service dept, I was told that XXXX county ( the incorrect county on my escrow ) was erroneously sent a 6 month tax payment amount totaling near {$1500.00} on XX/XX/XXXX. 
In addition to this problem, my payments have fluctuated from {$1300.00} all last year, ballooning to {$1800.00} on XX/XX/XXXX, which I was FORCED to pay, even though Freedom made the error. Fast forward to my last payment, which was {$1400.00}. I called your customer service yesterday, and was told that it increased from {$1300.00} to {$1400.00} because my taxes and insurance increased by nearly {$100.00} eachthe math here DOES NOT add up. 
In addition, I was told by someone in the tax dept that XXXX county was refusing to return the {$1500.00}, and Freedom did not feel that using lawyers to recover that money was going to be in their best interest, so they are eating the {$1500.00} sent to the wrong county from my escrow. 
SO, where do we go from here? 
1. What is my ACTUAL NEW PAYMENT?! I need to know EXACTLY why I have increased from {$1300.00} to {$1400.00}. I understand small yearly changes, but given your companys lack of accountability and errors within this 2+ month ordeal, I need answers! 
2. Where is my overpayment that is sitting in my escrow? I was told by EACH employee in the tax depot that it will be returned to me immediately after this latest escrow analysis. What is the status? Where is this extra money that I was FORCED to pay due to your mistake? 


Calls were made to either the tax dept or general customer service line on the following dates and times XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have noticed that inaccurate information continues to be reported by TransUnion, XXXX, and XXXX, despite my previous disputes. The bureaus have verified the information as accurate, but I have attached proof that clearly demonstrates this is not the case. This repeated verification of inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623, which require credit bureaus and data furnishers to conduct a reasonable investigation when disputes are raised. 

I am attaching supporting documentation to prove that the information being reported is incorrect. As a result, I am requesting the immediate removal of this inaccurate information from my credit report, as continued reporting of false data is a breach of my rights under the FCRA. 

Please address this matter immediately to ensure compliance with federal law and update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached police report and supporting documents