23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a house in XXXX, my first payment was due XX/XX/XXXX i made my payment on time to the bank that initially started my loan. I did not receive a notice of transfer and began receiving calls from XXXX XXXX about a missed payment. I called XXXX XXXX to find out what happened and learned that my loan had been sold in bulk. On XX/XX/XXXX the money was removed from my account, according to XXXX XXXX the money was forwarded to ARC home loans and recieved by them on XX/XX/XXXX. 
I have attempted multiple times to get in contact with ARC and each time was forwarded to XXXX XXXX. I did finaly get in contact with a loan officer from ARC and he said he would look into the matter, i have not heard from him since. I spoke with a manager from XXXX about the matter but lost phone connection when he attempted to do a 3 way call with ARC. 
At this point 2 months have gone by since i made that payment and ARC has still not registered it as recieved. However the money was removed from my account and i have been on time with all of my payments.
Product: Credit reporting or other personal consumer reports

1. Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) Credit bureaus must investigate and correct inaccurate or incomplete information within 30 days ( or 45 days in some cases ).

2. Right to Verification ( 15 U.S.C. 1681s-2 ) If an item is disputed, the credit bureau must verify the accuracy of the information with the original creditor or data furnisher. If they can not verify it, the information must be removed.

3. Right to a Free Corrected Credit Report ( 15 U.S.C. 1681i ( d ) ) If a correction is made due to your dispute, the bureau must provide you with a free updated credit report.

4. Right to Add a Consumer Statement ( 15 U.S.C. 1681i ( b ) ) If the bureau refuses to correct the information, you have the right to add a written statement explaining your dispute.

5. Right to Sue for Violations ( 15 U.S.C. 1681n and 1681o ) If a credit bureau or creditor fails to correct inaccurate information or violates your rights under the FCRA, you may have legal grounds to sue for damages.
Product: Credit card

I am writing in regard to a recent purchase experience that occurred on XX/XX/2023 : I went to the XXXX XXXX and purchased a pet with a salesperson named XXXX for {$4500.00} at the time of purchase I was advised that I would have 48 hours to make a return no questions asked and at no charge to me if it didnt work out due to my schedule as I was hesitant to make the purchase with my long work hours. I came back to the store less then 48 hours on XX/XX/XXXX and reluctantly returned the pet to the store and at that time I was given a release letter and in this letter it stated that the return amount was {$330000.00} as a store credit I wont be using the store credit. 

I called the XXXX  comenity bank and I explained them the situation the store charged me {$4500.00} and the store credit is {$33000.00} which is a discrepancy of {$1100.00} according to comenity bank, they want me to make payments for something that was returned to the store I believe comenity bank needs to dispute directly with XXXX  store not with me, because I have proof that the dog was return to the store. 

I feel very disappointed that they are not working with me I called several times and nothing has been done I dont want to be reported it to the credit company for not making payments. 

I would like to dispute this charge and hopefully the situation can be resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Experian Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 17 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report.

The inquires and their dates in question are below. 

XXXX XXXX XXXX XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 XXXX XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 FXXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX   XX/XX/2019 Also my ID, SSN Card, and Proof Of Address is attached to this letter. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Requested early PMI Cancellation Forms on XXXX XXXX, 2015. After a month, I still did not receive the documents requested. Called on XXXX XXXX, 2015 and I was told they held it up to investigate if I qualified ( but I was never informed of this ). They said the information would be emailed to me by end of day ( or someone would reach out if I did not qualify ). Neither of those two things happened. 

Called again on XXXX XXXX, 2015 and was told the requests were not submitted correctly and the rep would have to put in a new request. I was told documents are to be mailed out Monday XXXX XXXX, 2015. 

The delays have now cost me {$100.00} to date, with a high probability of costing me another {$100.00} this month.
Product: Credit reporting or other personal consumer reports

My information was leaked in a breach and I filed a lawsuit and received {$27.00}, and I still have all these unrecognizable items on my credit report! Evertime I work on my credit, new inquiries keep coming. This is unacceptable!
Product: Debt collection

I was contacted by XXXX XXXX XXXX, whom represented Speedy Cash of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX XXXX was not the original third party collector and not the most current but still contacted me as a collector. XXXX XXXX, aka Speedy Cash hired XXXX XXXX XXXX. 
This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :
Product: Credit reporting or other personal consumer reports

I have canceled debt that are showing as CHARGE OFF but did not receive a 1099-C form.
Product: Debt collection

I signed up for a specific XXXX XXXX cable service many years ago. In order to receive this service I needed a specific cable box. The cable box took three months to arrive at my property and was told repeatedly by their customer service agents that may account would be credited for the charges up to when I received the cable box. I did not pay the charges because I was suspicious that I would actually receive the credit. When the cable box finally arrived my account was not credited ( attempting to get the credit was a long and excruciating process as well. XXXX was very rude, and it took multiple hours of my time ). This debt was actually posted on my credit report, and I disputed it through the credit reporting agencies. The debt was then removed from my credit report. However, XXXX continues to provide my information to debt collectors to attempt to collect this debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I called and went to the branch to inquire why they deny the promised bonus, but they keep denying giving what they promised originally.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting a bankruptcy on my report. Please have them removed I didn't authorize anyone to add this to my report I spoke with the bankruptcy court & they stated they didn't release my information so it was obtained fraudulently.
Product: Mortgage

For over a month Ive been trying to get my pay off mortgage amount from Freedom mortgage company. We sent total of four requests and every single one has been ignored. Today is XX/XX/20 I spoke on the phone with XXXX # XXXX, and she told me I can get it 3-5 business days ( Which they promised before, and ignored my requests ). And my closing is on XX/XX/20, I asked you o speak to supervisor and XXXX told me 24-48 hours a supervisor will call me back. Can you please help me get the pay off quote for my mortgage asap because these people are obviously corrupt. My loan number is XXXX at freedom mortgage. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to gain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX and also XXXX XXXX XXXX inquiry XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( s ). The credit card company ( XXXX XXXX ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.
Product: Credit reporting or other personal consumer reports

Bank of America Credit reporting issues. When I used my Bank Of America Master credit card they report to the credit bureaus within 3 days if the account is over 30 percent card usage. However, payments were made on time. I have automatic payments set up through an personal bank of America account. I have to pay attention to Bank Of America payment system very unprofessional staff. My payments were made on time but my credit score went below XXXX and dropped it again as I paid the balance down. Although I made payment the bank Of America credit card section never reported it after 3 days just as they report card usage after 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting

Wrongful unauthorized account collections and inquiries for over 10 years and recent unauthorize credit inquiries and collections. 
I have been disputing for many years such as XXXX XXXX XXXX XXXX and negatives reportings. 
But Equifax XXXX allows companies to cement back permanently on my credit report and damaging opportunity to get credit approval for my daughters college funds support through a loan lender for their education. 
I can not prosper in life with bad credit. 
I am on XXXX and on Permanent XXXX Lifetime and Retired as of XXXX XXXX. 
I retired from XXXX XXXX XXXX XXXX XXXX of employment XXXX till XXXX on Permanent XXXX Lifetime. 
Please remove California XXXX XXXX XXXX XXXX XXXX XXXX employer.that 's incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a non profit organization.and no pay. 
Credit report of collections will be sent by email to Consumer Finance Agency by my email XXXXXXXXXXXX Government Investigations can pull my credit for verification of evidence of collections and inquiries and negatives on my credit report. 
Urgent matters.
Product: Checking or savings account

Bank of America/ Merrill failed to honor their cash offer which I signed up for ( see offer enrollment letter ). The offer states that it is valid for new and existing individual Merrill IRA or Cash Management Accounts ( CMA ). My XXXX account was opened on XX/XX/scrub>/24. The offer fine print lists 5 steps under How It Works for getting the cash reward. Step 1- enroll in the offer, which I did. Step 2- fund your account with at least {$20000.00} in qualifying net new assets within 45 days of account opening. I funded it with {$140000.00} on XX/XX/scrub>/24. Step 3- enroll in Preferred Rewards, which I did on XXXX/XXXX/24. See attached email from Bank of America. Step 4- After 90 days from meeting the funding criteria of Step 2, your cash reward will be determined by the qualifying net new assets in your account. My account balance on XX/XX/scrub>/24, the XXXX day after funding was {$250000.00} ( see XXXX statement ). According to the offer, I should be getting {$1000.00} in cash reward. Step 5- Your one-time cash reward will be credited to your CMA within XXXX XXXX following the end of the 90 day period. After getting nothing and inquiring about my reward, a Merrill agent told me that I am not qualified. I am filing this complaint to request Bank of America/ Merrill to honor their commitment because I have completed all of the steps listed in the offer.
Product: Bank account or service

Yesterday, XXXX XXXX i received my direct deposit at XXXX XXXX and tried to access the funds at XXXX XXXX and could not. When i called the customer service phone number i was on hold for over an hour. The agent told me that there was a problem with the direct deposit file and that all funds were reversed and would be re-deposited in about 1-2 hours. Today, XXXX XXXX as of XXXX XXXX, i still do not have my direct deposit funds and today is the actually payday. I called customer service again and they say they are working on the issue and i would receive a text once the funds become available.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and natural disasters. There are late payments that should be deleted and it was not looked into prolly because all the information was furnished
Product: Credit card

In XXXX 2023 received an unsolicited credit card offer to open an account with Regions ( regions.com/preselectcash use promo code XXXX ). The solicitation simply states, '' Get a {$250.00} Cash Rewards bonus when you spend {$1000.00}. in the first 90 days '' Per their promotion there were no other stipulations to receive this reward. The credit card was approved and issued on XXXX XXXX in my name, card # XXXX XXXX XXXX XXXX. 
Per the promotion and within 60 days I charged in excess of {$1500.00}. to this card and have since paid all charges owing them in full. All paid on or before the due date. I want the {$250.00}. bonus credited to my account to offset future charges. Today I called their customer service number XXXX XXXX XXXX XXXX and spoke with an agent explaining i wanted the {$250.00}. reward added to my card. He verified I had met the {$1000.00}. charge requirement but said 90 days have to expire before the reward is credit to my account. Just by chance the 90 day requirement he referenced was satisfied today! Pointing this out to him he then said regardless of that at least two more statement cycles must expire before they would credit the account the {$250.00}. He furthur stated there were no exceptions to this even though I pointed out to him the promotion mentioned no such thing. He said he would open a complaint on my behalf.
Product: Credit card

I was told, essentially, that my account was closed because of returned payments. Returned payments at the past had been at Wells Fargo own direction. I said that I made a mistake, and they told me to cal my bank and stop payment. I was simply following Well 's Fargo directions. Then this month I had a returned payment while I was overseas and in the hospital. I had no idea there was an issue with my payment and bank account. I want my account reopened. I do not want to apply for a new card. My account never should have been closed. I am disgusted with how I have been treated by your company. I have called multiple times to have this resolved, but your bankers have been completely unable to help me. In addition, I am willing to pay off the balance in full on the condition that my account is reopened or a new account is immediately reopened in my name. I will not reapply again, because my account should never have been closed. And please don't hide behind the excuse that " Wells Fargo can close an account for any reason ''. I don't care. I've spent thousands on this card and made many successful payments. I can pay off the balance in full, but my credit card or a new credit card better be reopened. To be treated this way, it is clear to me why so many people avoid well Fargo.
Product: Debt collection

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for National Credit Systems , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
National Credit Systems , Inc., has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Product: Debt collection

I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX XXXX XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.