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

I made a purchase on my Best Buy credit card in XX/XX/XXXX. On XX/XX/XXXX, I received an email alert that I had a payment due in 5 days. When I called in I was told I was automatically enrolled in paperless billing and that no statements are even emailed out and I have to log into my account to see my statement. I was also informed that the normal promotional financing of 90 days no payments or interests now only applied to purchases of {$190.00} or more ( my purchase was {$190.00} before taxes ). I was never notified that the promotion had changed. 
It appears as if Citibank is fraudulently conducting themselves in order to get people to be late on their payments and collect late fees and void any promotions
Product: Debt collection

Back in XX/XX/XXXX, I received a notification my credit score dropped due to a collections account with Penn Credit Corp ( PCC ) on behalf of XXXX XXXX XXXX ( XXXX ). I have never had XXXX as an electric service provider. I contacted PCC and was instructed to contact XXXX. XXXX told me I needed to file a police report, which I did, then they needed me to fill out a questionnaire and provide documents such as, drivers license from XX/XX/XXXX ( when the fraudulent account was opened ), a utility bill from that time, and my residence history from XX/XX/XXXX to the present showing I never lived at the address where the electric company was servicing somebody using my name and SSN which i completed on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX stating they received enough information to remove the balance of XXXX from my active account ( It was never my account ) and the collections account was removed from my credit report. <P/>This past week, I received another negative collections account on my CR for the same thing! I contacted Penn Credit, they said XXXX is saying they never received a police report. I contacted XXXX and they told me they do n't know why PCC opened up the collections account again because they had everything and the investigation was closed in XX/XX/XXXX. I contacted PCC again, was transferred to the same supervisor twice ( XXXX ) and both times as I started to tell my story was hung up on. PCC shows evidence of weak CMS and furnishing to CRA 's. Furthermore, XXXX removed the negative account the first time and it was through XXXX again that re-opened the collections account on my CR. I provided the letter from XXXX showing the close of the investigation in my favor and a screenshot showing the open collection account from PCC and right below the previous claim for the same account and money being closed! I saved everything from the original investigation, including the police report of stolen identity and the fax transmission pages from the police station to XXXX and from a hotel in XXXX XXXX to XXXX for the additional documents and questionnaire needed to be filled out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached to Thomas Kerns McKnight around XX/XX/XXXX to enquire about their debt consolidation program. 
When I first spoke on the phone with them, they explained that after I make payment to them each month, they would pay my creditors and help me pay off my debts. This would result also in an increased credit score. My first payment was made on XX/XX/XXXX. 
In reality, after being 21 months with them, I ended up canceling the contract on XX/XX/XXXX. They had never paid my creditors, I ended up having XXXX of them take me to XXXX ( XXXX XXXX ). All the other accounts went to collection, or were closed by the creditor, and it was a charge-off. All the balances are now higher, my credit score dropped. I also had to pay a monthly {$49.00} administrative fee ( over 21 months, this amounted to {$1000.00} ) while no service was rendered. This has created a lot of stress and had a very negative emotional impact on me. I still dont know how I am going to resolve the situation with each creditor. I initially trusted them and believed they would help me, I was still current on all my accounts at the time. I only realized after I canceled the contract, that exactly similar complaints had been submitted to the XXXX XXXX XXXX  against that firm.
Product: Mortgage

Hi, I am not sure where to begin. I closed on my house in XXXX 2014. Unfortunately, my real estate taxes were not calculated correctly on my HUD. I just received word that I owe all of 2014 taxes even though I only live in the house for 45 days in 2014. My bank sent a mailing stating that I owe approximately {$10000.00} for all of 2014. I went back to the title company and the company that owned the home before and XXXX are telling me that it is not their fault. I did not understand the HUD well enough to figure out what was happing. I do n't have the money to pay and do n't know where to turn. I am still shaken how unethical the selling company is being. They did not pay their taxes in 2014. I am trying to avoid reaching out to an attorney due to the expense. Is there any help you can provide?
Product: Vehicle loan or lease

Ally bank is showing me As paid late XX/XX/30 and this is not correct ally bank finance rep failed explained that this was an error in the payment processing on ally bank part and they would Assure I wouldnt not occur any late payment and Fees and now my payment shows late as a result of their processing error
Product: Debt collection

I am filing this formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). In this dispute, I specifically requested a detailed timeline and complete procedural documentation of the investigation conducted by Experian on the disputed items on my credit report. Experian has failed to provide the required documentation, which is mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ).

Violations of the FCRA : Failure to Provide Procedural Documentation and Detailed Timeline ( FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) : I demanded a comprehensive report from Experian, detailing : The dates and times of each investigative action. 
Identification of the teams or personnel involved at each stage of the dispute process. 
A full description of the order in which the information was processed and verified. 
Despite this, Experian failed to provide the necessary timeline and procedural documentation, violating FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).

Failure to Correct Inaccuracies in Multiple Accounts ( FCRA Section 611 ( a ) ) : I disputed multiple inaccuracies, including late payments, incorrect account statuses, and unvalidated debts, which Experian did not correct or properly verify. These errors remain on my credit report despite my formal dispute.

Failure to Address Unauthorized Hard Inquiries ( FCRA Section 611 ( a ) ) : Several unauthorized hard inquiries were identified in my dispute. Experian has neither removed these inquiries nor provided any justification for their continued presence, violating FCRA Section 611 ( a ).

Requested Resolution : I request that the CFPB require Experian to : Delete all inaccuracies from my credit report due to their failure to provide proper documentation and reinvestigate the errors.

Provide the detailed timeline and procedural documentation as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). 
Ensure all future responses are sent via certified mail with return receipt requested.
Product: Checking or savings account

XX/XX/XXXX, XXXX Received email : Verify your email address XX/XX/XXXX, XXXX Received email : Online application is in progress XX/XX/XXXX, XXXX Received email : Your new account is open XX/XX/XXXX, XXXX You're enrolled in Online and Mobile Banking These emails were not read and I never verified the email address. These emails were from Bank of America 's servers based on the email header 's and domain name. I believe someone fraudulently opened an account in my name because the emails contained my full legal name. I do not nor have I ever had a Bank of America bank account. 

The emails all stated : If you dont recognize this activity, call us at XXXX. 

When I called I could not speak to anyone or leave a message without an account number. I attempted to call multiple times. 

I forwarded all messages to XXXX and never received a response. 

I thoroughly looked on their website, including using XXXX for the domain name " bankofamerica.com '' and found nowhere to contact them without an account number. 

I proceeded to apply locks to my credit with all three major credit reporting agencies, which were not all free. 

XX/XX/XXXX, XXXX Received email : Your email address was updated I believe now my only other option is to pay a lawyer to draft a cease and desist complaint and deliver it to Bank of America 's corporate headquarters besides filing complaints with the appropriate agencies.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau removed a couple files, that were not mine, that I disputed, but are refusing to take off the remaining collection files. These accounts are not mine and I asked for them to be removed immediately. The company is claiming that the collection accounts are mine and the collection company says they purchased the debt from the original creditor. I asked for them to simply show me proof that the debt is mine and to date, they still have not. Please hold both XXXX, LVNV and XXXX XXXX XXXXResurgent responsible for refusing to follow the laws that protect consumers from having inaccurate information on their credit files, thank you.
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. 

Account name : XXXX XXXX XXXX ( XXXX ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are 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 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed individual about whom the report relates according to 15 USC 1681 ( e ) ( b ), And according to 15 USC 1681i 5 they are supposed 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 ( i ) 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 supposed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there is information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any 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 : {$6400.00}
Product: Credit reporting or other personal consumer reports

I was having difficulties paying off my loan due to being laid off in my previous role. I then contacted XXXX XXXX and set up my account for an extended payment, which reduced the monthly amount due. However, the auto-pay method that was implemented before was removed, and I was not completely aware of it. I then attempted to make an emergency payment, which was unfortunately reversed due to inadequate funds. I was informed that I needed to make a payment before XX/XX/2024, for my account to reflect paid/good standing. 

I was then informed that there was a cutoff of 4 months for inactivity that would report the account as 'Charged Off '. The indicated cutoff was XX/XX/XXXX, which contradicts the previous indication of the monthly payment received by XX/XX/XXXX. I paid the monthly balance, and the payment was cleared on XX/XX/XXXX. I have a record of the bank statements attempting payment each month that indicated there was inactivity and a partial payment before the Monthly payment cleared on XX/XX/XXXX, which also contradicts the 'inactivity ' over four months that pushed the account to be charged off. 

I am requesting that XXXX XXXX change/report to the credit bureaus that my account is in good standing since I am still making direct payments to XXXX XXXX XXXX The account was never sold to a collector. In my dispute attempts with the bureaus directly, it was not updated either. Please assist, as this is hindering my credit score and limiting my ability to obtain a new home/rental, and I have just had a XXXX. Please advise, and thank you for your time!
Product: Credit card or prepaid card

Giving a complaint to credit card companies that dont charge me too much interested fees and too much money for a XXXX XXXX  and not listening to them when when they explaining that they understand the rules about charges and credit cards and paying lots of money and store credit cards and Walmart credit cards store credit cards in charging me lots of money and Walmart credit card Im not listening to me that I have XXXX XXXX XXXX XXXXAnd getting my money back I have {$700.00} or {$800.00} back for a complaint I want my money back to me by Chack by mail XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX
Product: Checking or savings account

Capital One went down Wednesday night, I was due to receive my paycheck through the early pay system with Capital One on Thursday. Upon opening my account my check was not deposited and a message displayed at the top that they were experiencing a technical difficulty. I called with no information other than They are trying to have the issue resolved as soon as possible, we are sorry for any inconvenience this may have caused. I am a single mother of XXXX children, they need food, my child has XXXX medicine I need to pay for, daycare costs, bills. I can not do any of this with the Capital One outage. I have my checking, savings, credit card, and auto loan through Capital One. ALL OF MY ACCESS TO FINANCES IS NOT WORKING due to a technical issue with a third party vendor. It is now Friday afternoon with no update or correction of the issue. I am extremely disappointed as I am sure many others are feeling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a dispute to TransUnion about the following accounts listed below with a follow up on XX/XX/XXXX for no response, on XX/XX/XXXX they responded with just a summary of their method of verification but no information on the investigating items. 

XXXX  XXXX  XXXX  {$430.00} This account is questionable. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion there is no date of last payment with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX This account is inaccurate showing a High balance of {$460.00} on TransUnion but on XXXX  shows {$420.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX {$11000.00} This account is inaccurate showing a High balance of {$12000.00} on TransUnion but on XXXX  shows {$11000.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can the last payment be after the date of last activity. This date should reflect the FCRA compliance date which should not be changed. 

XXXX  {$1600.00} This account is inaccurate showing a High balance of {$1500.00} on TransUnion but on XXXX  shows {$1600.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can this information be different if they come from the same creditor? This date should reflect the FCRA compliance date which should not be changed.
Product: Mortgage

My roof was damaged in a storm on XXXX XXXX XXXX. My insurance XXXX sent me a check to have it fixed. I sent it to my mortgage company which was XXXX XXXX XXXX, certified mail only to find out I was no longer with XXXX and that Shellpoint Mortgage was now serving my loan. I have been in bankruptcy for the past 2 years and was never notified this change that took place. Which in fact is the mortgage companies responsibility to let the insurance company know of the change. I had my roof repaired on XX/XX/XXXX and sent the check out certified to XXXX XXXX where XXXX XXXX  was located not yet aware of the change The check was than forwarded 2 times in XXXX AZ, 2 more times in XXXX XXXX XXXX and then 1 more time to Ohio where Shellpoint is located. After all of that they could not endorse the check due to their name not being on it and sent it back to me with the wrong return address on it and it ended at a lawyers office in XXXX and they in turn forwarded it to me. This took about 2 plus weeks. 
How could my NEW mortgage company not know my address. I recently sent the re-issued check and I need it signed immediately so I can pay the contractor that fixed my roof. This has been 6 weeks this man has been waiting to be paid. Everyone is experiencing difficulties at this time and he sure could use this money I owe him. Shellpoint is pathetic and I would like some help if possible. I have contacted the XXXX and I have read complaints regarding similar things that other people have experienced with them also. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Student loan

between XX/XX/XXXX until XXXX XXXX the FedLoan.org has been mis-managing my payments. The interest was not applied correctly to my balance. As a result my $ XXXX loan is at $ XXXX after 7 years of payments. 

I have not been able to get a reasonable explanation from them after several attempts. 

Furthermore, in XXXX XXXX, when my loan was paid off due to re-fi, the FedLoan.org was overpaid by {$980.00}. Since XXXX. I have not had luck getting them to refund this overpayment.
Product: Checking or savings account

On XX/XX/year>, my phone went missing in XXXX XXXX XXXXXXXX. It is unclear whether it was stolen or misplaced. Subsequently, on XX/XX/year>, my XXXX account was charged over {$2000.00}. This amount is highly inconsistent with my usual spending patterns, as my account history shows that I typically spend between {$5.00} and {$10.00}, and I have never exceeded {$20.00} per transaction on XXXX. 

I reported the unauthorized charges to Chase Bank, explaining the discrepancy and requesting a refund. However, my claim was denied, with Chase requesting additional supporting documentation. In response, I submitted both a receipt for the replacement phone I purchased on XX/XX/year>, and a police report filed documenting the loss of my phone. 

I believe this documentation, combined with my consistent spending history, demonstrates that the charges in question were unauthorized and not made by me. I respectfully request that my case be reevaluated in light of this evidence.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report and discovered fraudulent accounts listed on it. XXXX XXXX, the company, has faced numerous government court cases for alleged unlawful practices, resulting in losses for the company. As a victim, these accounts are now impeding my ability to access credit. Therefore, I kindly request the immediate removal of these fraudulent accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I've been trying to get these fraudulent inquiries removed from my credit report for a while now. I told them that i didnt authorize any transactions from these businesses. One of those inquiries is for a gas station... i would never apply forb a gas card because my credit bureau already gives me 3 % cash back plus a whole lot more than some gas card! I also tried to explain to experian that i dont have an account with first XXXX XXXX XXXX but they said they wont fix it because im an authorized user? But they are playing games with me because everyone knows that authorized are not to have their files pulled because ita a breach of private. Im not sure why they are being difficult but I'd appreciate it if you can help me get them removed because i dont want them on my credit report.. then i can move on. Thanks you *** i just remembered that I also have a late payment on my credit report by XXXX XXXX XXXX i just forgot about it after a while because they kept playing games. I paid the account on time... it was just on a holiday ( XX/XX/XXXX ) and i was informed that no late payment would be given. Years later, when i got serious about my credit, i saw the late payment but i already had paid the loan off. SEVERAL times, I've informed the credit bureaus that I was never late but they keep saying that the account was verified? How does that even make sense when im the one who had the car and i know i was never late? Moreover, they cant even get their lies straight! XXXX says i was late on 1 month but then XXXX says another? Please help me with this situation as well so i can finally relax. Thank you