23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Message sent to CMRE : I had received a call from CMRE and missed the call. I returned the call and got on the call with an EXTREMELY rude person who insisted that I need to pay bills for XXXX of my family members from as far back as 4 years ago. She continued to interrupt me when I tried asking what the bills were for and why I was just now hearing about them missing payment. I asked several times for her to send me documentation as to what the bills were for and from what doctors, so I could do my research and confirm that they had not already been paid. She told me I could refer to my EOB ( remind you some of these were from 4 years ago ). The most recent charge was from XXXX 2015, which I explained was currently under " audit '' from XXXX XXXX XXXX and I would not be paying that since we had already reached our " out of pocket maximum '' and that I could not pay that until the audit is complete. I feel as though I was being BULLIED to make a payment with no further explanation or back up information. 

If I was one of the doctors offices that you were representing and this had been outstanding for 4 years, I would not be impressed since this is the 1st time that I recall having received a call from this company. I have never had an issue with paying my bills, but I will not just arbitrarily pay something that someone " SAYS '' I owe without any documentation/information. 

I understand that you have a tough business, but rather than treat every person that you call like a POS and try to bully them into paying you and making you go away, you might want to consider trying the kind ( you get further with honey than you do with vinegar ) approach. Maybe I just received a call from someone that was having a bad day or that was not properly trained, in that case please feel free to have SOMEONE ELSE call me back to further discuss. Or, if this is your common way of handling business, please be sure to understand that I WILL find out what doctors use your service and make a formal complaint about the way that you " handle '' your customer service, by not making contact for 4 years and then when you do finally make contact, you try to bully them into immediate payment without providing further information.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Date XX/XX/year> I was trying to deposit a check into my account which I had for over 28 years. The check was from chase bank going into another chase account, the amount was XXXX and was told that I couldnt cash it or deposit XXXX and withdraw XXXX. 
I am from the XXXX XXXX and been discriminated against before with same establishment before. 
Manager and 2 tellers that helped me were completely XXXX They lied to me and said they couldnt access the account on the check. 
I asked them to cash the check and forget that I am also use chase, they said its too late because I filled out a deposit slip already. 
As soon as I left the branch I called the XXXX number and asked if I can go back and reverse the deposit and get the check back and ask the issuer for a different method of payment credit card or even a cashier check I was told no.
Product: Checking or savings account

In my previous complaint, XXXX, I specified that I wanted to know why Chase Bank did not respond to our customer 's bank, XXXX XXXX, when the request was allegedly made by our customer through XXXX XXXX in XXXX of XXXX. Chase responded to that complaint stating that the responded to XXXX XXXX that the account had no funds in it, and the response was made XX/XX/XXXX of this year, 8 days prior to filing my complaint. I was told that XXXX XXXX had made more than 1 request and XX/XX/XXXX was just the last time. However, The response letter I received stated, XXXX : " We confirmed that XXXX XXXX sent a recall request for the funds, but there were no funds available for return. We shared this information with them on XX/XX/XXXX. '' This letter is indicating that they shared the information on XX/XX/XXXX, no mention of any previous requests and responses dating back to XXXX of XXXX. I spoke to XXXX from Chase Bank who is the executive office person who handled our previous complaint and she indicated she could provide me with the dates, via email, of all the requests and their response prior to XX/XX/XXXX, going back to late XXXX of XXXX. She told me she could respond by email within a couple of days of releasing the investigation letter in response to my complain ; XXXX. However I did not receive that information and now over a week later I have made several attempts to contact her to request that feedback and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/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 : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

Dear Consumer Financial Protection Bureau ; I had 15 months of unemployment from XXXX XXXX until late XXXX XXXX. During that time I had a period when my unemployment ran out. We contacted our mortgage lender Wells Fargo. They offered us a hardship and told us to pay {$25.00} a month ; when I got back to work, they said they would work with us to modify the loan. Late XXXX XXXX, I went back to work. When I started to receive paychecks, my wife tried to make a house payment. We were locked out. We could not make any payments. My wife contacted Wells Fargo. They said we had to wait for them to re-assess us. We were told to keep paying the {$25.00} a month until that assessment was completed. We did as they instructed us to do. Once the re-assessment was done, we were told to pay {$18000.00} or the house goes into foreclosure. We appealed and were denied. With this process, XXXX times we were required to fax in my pay stubs. 
I make {$42.00} per hour. If I only worked 40 hours a week, I would gross {$6700.00} in a month. Their calculation came back with my monthly gross being only {$3400.00}. They said I do n't have enough income. That 's not true, besides the fact that I have been working a lot of overtime. I do n't have {$18000.00}, but if they would take a reasonable sum, I would do it. 
They wo n't work with me. They have taken over a week to get correspondance to me that would help us apply for a loan with our credit union, and still can not tell me when to expect those necessary documents. We were not properly informed that at the end of the hardship, they would be foreclosing on our home. 
We are a family of XXXX. We have XXXX little boys ranging in ages XXXX to XXXX. XXXX of our sons is XXXX. We do n't want our sons to lose their home and leave their school. 
We just need Wells Fargo to work with us. We have about {$120000.00} of equity in our home. I 'd refinance out of this, but during the hardship I have marks against me that I 've missed payments and my credit has fallen to XXXX. My wife 's credit is better, but she does n't have any current income. 
I can pay extra on my house payments. I could give them a lump sum of {$5000.00}, as well. If doing the hardship they offered means automatic foreclosure, I think they should have made that clear. I want to pay on my mortgage and get caught back up, but they wo n't accept anything except the {$18000.00}. That 's a lot of money for someone who had been off work for so long. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of items on my credit report. Upon contacting the companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the items would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the items from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , I began communicati ng to CitiMortgage via web interface, email, and US Postal Service that sale of my home was imminent. I asked multiple times for them to respond in writing to my requests and to acknowledge receipt of information. They did not on any occasion communicate with me, though they DID communicate a payoff amou nt to  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX .  Two mo nths payments were missed during this process, as I was unable to make the payments.     On  XXXX   XXXX ,  XXXX , payoff of the mortgage was made in full. Proof of rec eipt by CitiMortgage w as obtained on  XXXX   XXXX ,  XXXX . Nonetheless, foreclosure proceedings were started on  XXXX   XXXX ,  XXXX .  CitiMortgage had  previously used the excuse that their computer systems do n't talk to each other well, so this del ay may have been due to that issue. Despite their internal problem, my credit report has been marred  for nearly 7 years with, " Foreclosure process started. '' The foreclosure service even indicated by phone on  XXXX / XXXX / XXXX  that they were not going to do anything because the account had been closed.     I have tried several times since then to have  CitiMortgage remov e that note, beginning on  XXXX   XXXX ,  XXXX . I have never received any correspondence  from CitiMortage even so much as acknowledging receipt of letters, or answering any of my inquiries. This problem has continued to affect my credit report and score, and needs to be eliminated from my credit report. My   XXXX   child will be starting college in the fall, and I need the credit report to be corrected NOW to prevent it from hampering the student loan process, as it has every year for the past four years.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I was tricked by the company Acima into believing I was receiving credit when it was actually a lease. On XX/XX/year>, I purchased a microwave from XXXX XXXX for {$220.00}, but later learned through ACIMS it would cost me {$580.00}. I also purchased a XXXX XXXX from XXXX XXXX for {$950.00} but later learned it would cost me {$2700.00}. I would like any money that I paid returned because I wasn't informed about hidden fees, interest, liability, XXXX fees that I never asked for and I wasn't informed this was a lease but believed it was credit. I was tricked into these high cost agreements. Acima Digital misled me by the nature of these agreements and key terms and false marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX XXXX XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Product: Mortgage

This is an issue that has stemmed from XXXX and the covid suspension payments where I was offered a forbearance and the payments owed would go to the back of the account. In XXXX of XXXX once the suspension was over, oddly the forbearance option no longer existed and all the money was due upfront. Wells fargo then offered me a loan modification and a much lower payment option. Which i agreed to and was approved. after 4 months of making my new payments on time, a payment glitched on their end and they canceled my loan modification. I was not aware until I called in and realized my payment was still in my bank. I had to start over, they offered to re-do and go again, the entire time I had offered to keep paying, but wells fargo advised that i wait for the new number and I was not incurring late fees. Long story short, we did this 3 times and I was canceled again without notification and my house is now in foreclosure.
Product: Credit card or prepaid card

IacceptedapromotionalofferonmyChaseSapphirecreditcard.Theofferwasfor15%creditbackifIusedmySapphirecreditcardonXXXXbyXX/XX/19.IbookedmyreservationonmySapphirecardandthetransactionfor{$840.00}postedonXX/XX/19.Icalledtofindoutwhenthecreditwouldpostandwastolditwouldtakeseveralbusinessdaysforthecredittopost.Icalledbackagainandadifferentrepresentativetoldmeitwouldtakeupto14businessdaystopost.Icalledafterthe14businessdayandtherepresentativeconfirmedImetthecriteriafortheofferandopenedanescalationticket.SheadvisedIcallbackin2-3businessdaystogetthefinalresolution.Icalledbackwithinthattimeframeandwastoldescalationtakeupto7businessdays.IcalledbackattheendoftheXX/XX/XXXXbusinessday(XX/XX/0219)andwastoldbytherepresentativetheescalationcouldtakeupto4weeks.Irequestedtospeakwithasupervisor.Thesupervisorstatedtheescalationshouldhavebeencompletedwithin7businessdays.Hecouldnotprovidemewitharesolutionand/ortimeframeforresolution.HecouldnottransfermetotheExecutiveofficeforfurtherreview.IcalledonXX/XX/19tospeakwiththeExecutiveOfficebutwastransferredmultipletimesandwasunsuccessfulinreachingtheExecutiveOffice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached complaint which includes my identity verification documents and all other supporting documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account.

I request the following information : Proof that I owe the stated amount of {$1000.00} to your agency.

Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In my mortgage application ( separate ), I noticed an account with Citi that I did not recognize and could not locate. 

I called on XX/XX/2019 and it took me about 30 minutes to get on the line with a representative. The call was unclear, but what was clear was the incompetence of the representative as he just sent me back to the automated messenger. 

I called again XX/XX/2019 and got in touch with a representative who was slightly more competent and could not identify an account with using my name, social security number, or the partial account number. 

As far as I know the card does not belong to me and I would like it removed from my account so that it does not influence my mortgage or credit.
Product: Credit card

On XX/XX/XXXX, I was looking for a credit card with a signup bonus and rewards and I found a few cards, among them was Capital One Quick Silver. I went to their website and saw there was a promotion of receiving XXXX $ upon spending XXXX $ in 3 months, therefore I signed up and provided my information and got my account opened. I spent more than XXXX $ in 3 months and today I called Capital One about the signup bonus and the operator told me that they have a system that automatically approves or declines XXXX $ signup reward based on unknown criteria. I asked the operator to provide me the information where it states that, and she told me that it is just in their system and unable to provide me the source. After 50 minutes of conversation and waiting, she told me that she was redirecting me to the supervisor, and then after waiting for a few more minutes, she told me that the supervisor was not available, instead I can send them a mail to their mailing address, which will take forever to get reply and is very exhausting for many customers. 

I would like to complain about how it's very fraudulent and deceiving to show appealing offers on their website 's homepage, and once a user signup and provides all the information, and gets a hard inquiry on the credit history, and spends extra money to become eligible for the offer, then when it's time to get rewards, Capital One denies it based on the unknown eligibility criteria. 

Link of their credit card I signed up for, which is still offering XXXX $ signup bonus. 
https : //www.capitalone.com/credit-cards/quicksilver/ Important Information : Capital One card signup page link I signup from : https : //www.capitalone.com/credit-cards/quicksilver/ Signup Date : XXXX Conversation about this issue with Capital One : XXXX Time : XXXX XXXX XXXX  XXXX  Capital One Operator Information : Name : XXXX, Employee ID : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a voluntary freeze on my Equifax credit data back in 2020. Since then I have tried several times unsuccessfully to get this freeze lifted. All attempts to resolve this via the Equifax automated system and customer service personal have failed. Every time I speak with a representative my case gets " escalated '' but there is never any follow up or follow through. 

As every credit provider utilizes Equifax I'm essential unable to utilize any form of new credit.
Product: Debt collection

Men are calling my brothers business phone to collect an alleged credit card debt of mine from XX/XX/XXXX. They left messages stating they were from the " fraud investigations unit '' at XXXX and XXXX XXXX , XXXX. They are using two different names when attempting contact. They have my current address and telephone number. My brother received the most recent call on XX/XX/XXXX at approximately XXXX. They gave him the number XXXX and name of XXXX XXXX. I called them back at the same number at XXXX and asked for XXXX XXXX XXXX The male receptionist said he didn't have that name attributed to my case and asked for my account number. I explained I had only a reference number # XXXX and he transferred me to another male. This man asked me for my social security number. I told him I was uncomfortable giving my social security number out, he stated he had to verify who I was before telling me why he is calling and that he had my full social security number already, he then hung up. I immediately called back, asked the receptionist what the company name was, why they were contacting me, who did he transfer me to and why they are contacting my family members. The receptionist told me my name and address and explained he would transfer me to XXXX XXXX - the man handling my case. I was again transferred to the same man - now identified as XXXX XXXX. I asked him why they are contacting me and my family members, why I need to provide my social security number before he tells me what these calls are about and that his receptionist already has my name and contact information, he responded, " I have all of your information here, I just need you to verify the last four digits of your social security number to disclose why we are contacting you. '' I agreed to the last four digits only, gave him my last four digits and he told me this was a {$9600.00} credit card debt from XX/XX/XXXX with Chase Visa. I told him I did not have a Chase credit card then, now or ever - to which he said, he would send me the information in the mail and hung up.
Product: Credit reporting or other personal consumer reports

Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not XXXX. 

Many customers are having this issue with this company as they are violating. They are reporting my account XXXX days late and it is incorrect and both XXXX XXXX AND XXXX, XXXX, TRANSUNION IS REFUSING TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED XXXX IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.