23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Of the several bills in dispute, most were paid. I agreed verbally to XXXX XXXX to pay charges of XXXX and XXXX in installments, and did, in fact make payments of {$120.00} and {$170.00}, respectively, on the bill-pay site given to me by this representative. In doing so, I discovered an un-billed amount of {$440.00}, and I contacted her again, by e-mail, asking to have a bill sent, in order to ascertain the nature of this un-billed, and therefore unknown amount. She again agreed to send the bill, but it was not received. I called another time to ask about this amount, and was told I would be receiving a bill. I have yet to receive any bill in the amount of {$440.00}, but have since received a letter from a bill collector, claiming to collect on original amounts of {$920.00} and {$370.00}, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, even after I made the aforementioned payments to XXXX and XXXX on the bill-pay site indicated by XXXX XXXX XXXX asked AGAIN for the {$440.00} bill, and even made another {$100.00} payment on the original {$370.00} amount ( reducing it to {$200.00} ), in a show of good faith- which I so stated to this representative, who on this latest occasion began to talk over me in a fast manner, forcing me to allow her to finish before I could begin to explain that I had already begun making payments AS I HAD AGREED on our previous call. There was no reason to place any of these amounts in collection status because I had already agreed to pay them, they were in active payment status, and I had actually made payments on the amounts for which I had already received bills. The only amount I did not touch was the {$440.00}, but I had never said I would not pay it - only that I had yet to receive any bill in that amount, and would not pay it until I received such a bill- which was promised to me on two occasions, but which never happened.
Product: Checking or savings account

On XX/XX/2018, someone went into a Bank of America ( BOA ) branch in New Jersey and first withdrew {$1500.00} from my checking account then withdrew {$1400.00}, for a total of {$2900.00}. That afternoon I saw the activity, and called BOA immediately to stop the transaction ( at first it looked like they were two checks pending clearance ). I later learned that the person was given cash. BOA froze my account. They are in the process of investigating what happened and say it takes on average 60 business days. Meanwhile, I am out {$2900.00} and have had to operate without a debit card for over two months. 

My case number is XXXX I filed a police report with the District of Columbia Police. I sent the police report along with a letter from my supervisor confirming I was in Washington DC the entire week of XX/XX/XXXX to XXXX to support my case.
Product: Debt collection

On XX/XX/2023 I received results after I disputed the collections account. XXXX updated my account stating it was updated. I requested proof be sent I had legal binding contract. I requested the notice that was sent to me. The demands were ignored. I have no obligation to pay a debt that was bought. The account states its disputed and reinvestagated but is still not conducting this matter by the laws set forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company repeatedly calls me before XXXX XXXX They call from different numbers and do not leave a message. I have yet to receive a debt validation notice via the proper channels i.e. Via mail. I have no idea. Why they are calling and harassing me. I have blocke several numbers and then they call from another number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX If its showing a a charge off it should not show a balance. Also it shouldnt be reporting as a current charge off for XX/XX/XXXX as it was originally charged off XX/XX/XXXX as last payment. Please remove from my credit report as it is not being reported correctly.
Product: Debt collection

The mortgage company that I am dealing with is Specialized Loan Servicing ( SLS ). I am trying to have my home appraised because I believe that it is eligible to have the PMI removed. I faxed over Authorization for Internal Valuation on XX/XX/XXXX. I waited around 3 weeks or so and still didnt receive any phone call/email/mail from SLS regarding the form I faxed over. I called and spoke with a representative and was told that they did receive the fax and that someone would contact me to set up an appraisal. I wait a few more weeks and never hear back from anyone regarding the matter. Over the next few weeks I spoke with multiple representatives who couldnt resolve the issue. I spoke with XXXX on XX/XX/XXXX and was told that someone tried to contact me on XXXX but was unable to contact me and that she would escalate the matter and I should follow up on Friday XX/XX/XXXX. I never received any missed calls or voicemails from anyone on that XXXX. I asked if I could get a contact number to the company that would do the appraisal but I was told that they couldnt do that and that I should keep my phone on me and have the ringer on loud in case that they call. I call and spoke with a representative on XX/XX/XXXX to follow up and they dont have any new information that they can provide me with so I voiced my frustrations and was told that I would receive a supervisor call on Tuesday. I did receive a supervisor call from XXXX on Tuesday XX/XX/XXXX and was told that he would reach out to the company and hopefully they would contact me within 24 hours and that he would follow up the following day. I never received any phone call from an appraiser or the supervisor. I tried calling SLS to follow up again today, Thursday XX/XX/XXXX, and cant get in contact with any representative because of technical difficulties. The representatives were all nice, but nobody could resolve the issue and most of them would tell me to follow up in a few days or the next week. It has been 7 weeks since Ive first sent the form to initiate the evaluation of whether or not I can remove the PMI on my home and nothing has been done. SLS is a joke of a company and I cant believe how inefficiently their processes are. I shouldnt have to waste so much of my time trying to get a hold of a representative who cant even resolve a simple issue. Im honestly considering refinancing with a new company so that I dont have to deal with this incompetence. There is no accountability with this company and this has been an extremely frustrating experience. I 100 % would NOT recommend anyone to use this company to finance their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I have noticed fraud inquiries on my credit profile below is a list of fraud inquiries Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

On XXXX/XXXX/2016, I did a settlement with Wells Fargo Card Services. They told me if I paid the Settlement amount, the will close the account and Delete it off my credit Report. I settled with them on XXXX/XXXX/2016 but I have not see it deleted off my credit History yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My cousin had stolen my credit card and left me responsisle for the balances and for the damage done on cards history. Because of thhis, one of my cards charged off and the other card showed deenquent past due payments which XXXX  XXXX said they would correct. i have pressed ful charges against my cousin but since he has moved out of the country it is difficult to bring him here for face charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  pulled a report from my TransUnion credit report. They determined with that information to close my XXXXXXXX XXXX XXXX. I explained to them it was not correct when they finally explained to me why my account was closed. They stated to few accounts paid as agreed, The length of the loan not enough paid for the timeline ( It was my mortgage ) I have paid the amount we are supposed to for over 4 years. On all my accounts I have paid as agreed and pay more the minimum every time I can. I always at least pay the minimum payments though. There are XXXX situations where I was not able to pay right away on XXXX of my accounts. XXXX of the accounts was 30 days late. The other account was 60 days. Only closed accounts were XXXX XXXX  account and XXXX due to gear return issue but the balance is XXXX and stays on my report. I turned in everything they requested and was already out of the military at that time as well. They then told me I had to turn in gear that I supposed to still have but didnt it was turned in. I have called XXXX XXXX  and TransUnion to try and resolve the issue. They both tell me there is nothing they can do. I have XXXX and have served my country honorably and I feel they are closing accounts that should be still open. I got a letter when I disputed the account being closed. It arrived from XXXX XXXX  telling me their decision still stands. Even after I told them the information they used is incorrect I pay all my account as agreed and on time. The guy I also spoke with just kept asking me what do you want me to do over and over. He said transunion fixes the incorrect information. XXXX XXXX from TransUnion told me they do not fix anything that they can only do credit report in the mail to me. XXXX from TransUnion hung up the phone on me. XXXX was very rude as well she kept interrupting me not letting me fully explain what happened and why I was calling TransUnion. XXXX XXXX  told me I had to call them to dispute the information. I did dispute it and that is when the letter arrived. They closed my account out of the blue then told me to few accounts paid as agreed and not enough paid on the length of the loan which was our mortgage loan for our house. Them closing my account my credit score dropped over 67 points and negatively affected my credit when I did nothing wrong. They refuse to help any further and I feel they are discriminating based on false information. XXXX XXXX  told me they use that information to determine credit worthiness and to see if customers will pay their bills. I explained to him that I do pay on time and the amounts agreed. He stated how do I know that. When clearly that was a lie because they can see I paid mine on time and amounts agreed.
Product: Mortgage

I am facing foreclosure after I have been trying to get a loan modification.
Product: Credit card or prepaid card

Good day. On XX/XX/2018 I made a purchase for {$10000.00}. I was paying off the credit card interest free. I was never late and never missed a payment. The last bill for the balance of {$560.00} I paid by the due date. Unfortunately, in XXXX I got sick with XXXX and was immobile for 3 weeks. Comenity credit card completely ignored all my cries for help and understanding. They ruthlessly slapped with with almost 30 percent interest from day 1. I keep calling them and telling them that credit card companies offer relief and help during hard financial times but they being completely ignorant. 
I was never late. I dont have any balance on any of my credit cards. My husband was sick with XXXX XXXX. I was sick with XXXX and my father is still sick with XXXX XXXX. I am dealing with a lot of stress and they are trying to collect from me money that I do not owe. I paid off everything and do not owe anything. Comenity reported late payment to the credit bureau as well. They are ruining my excellent credit. 
Please, ask them to dismiss the ridiculous interest charge from day 1. 
Account number : XXXX Address : Comenity Capital Bank XXXX. XXXX  XXXX XXXX, Ohio XXXX Thank you.
Product: Credit reporting or other personal consumer reports

My account with ) was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Debt ( XXXX ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX This Debt was included in a Chapter XXXX Bankruptcy as of XXXX of XXXX. Since XXXX XXXX included this Vehicle and Lease with her Chapter XXXX Bankruptcy, by law as co-debtor I am protected with this debt by her Bankruptcy and this debt can no longer be considered late. 

Per the Fair Credit Reporting Act : All debts that were included in your bankruptcy should be reporting with a XXXX balance, show XXXX due, show nothing past due after the date of your bankruptcy filing A XXXX debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those XXXX creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report.

If this information is not removed from my credit report per the Federal Guidelines I will have no recourse but to sue for damages as this incorrect information not only negatively impacts my scores, but the interest rates of the loans and credits cards in my possession.
Product: Mortgage

In XXXX of 2020 I contacted Pentagon Federal Credit Union ( PenFed ) regarding a mortgage loan for a second home. I spoke with XXXX XXXX and I was completely honest about all of my financial information. After all of the financial information was figured out, I was told that I was pre approved for a loan of $ XXXX. Due to the fact that I had been pre approved, I started the process of purchasing a home. Once the home purchase went under contract, I sent the contract to XXXX. PenFed was very sporadic with communication, but at no time during the process did they indicate that there was a problem with the loan. In XXXX PenFed contacted me to set up and pay for an appraisal on the home. I paid that and the appraisal was done on XX/XX/XXXX. Again, no mention of any issues with the loan. The closing for the purchase of the home was scheduled for XX/XX/XXXX. The week prior to closing I started getting emails from the title company saying that PenFed hadnt sent any documentation and refused to reply to any of their inquiries. I contacted XXXX and he referred me to XXXX XXXX. XXXX was difficult to get a hold of and didnt seem to want to respond to me either, but when I did get a hold of him he was very elusive and had a hard time answering some of the questions I had. Two business days before the closing, the title company contacted me again and said they still had not heard from anyone at PenFed. I tried desperately to get into contact with someone at PenFed. I emailed and left phone messages with XXXX, his supervisor XXXX XXXX and her supervisor XXXX XXXX. I got no response at all. On the Sunday before the closing I did get a confusing email from XXXX, which did not mention any problem with our debt ratio, but confirmed that we needed to bring $ XXXX to the closing. The day before the closing I tried to contact all of these people again and again I got no response. Finally around XXXX XXXX  the day of the closing I was able to get a hold of XXXX by phone and she basically told me that we were not going to be able to close, but that the loan was scheduled to close on XX/XX/XXXX. With this information I was able to request an extension from the seller and move the closing date to XX/XX/XXXX. On XX/XX/XXXX, four days before the scheduled closing, I got a call from XXXX saying that our debt ratio was too high and she didnt know if we were going to be able to get the loan approved. I stand to lose over $ XXXX and the house that I am trying to purchase not to mention the time, effort and stress this whole situation has caused me and my family. PenFed obviously knew from day one that they werent going to be able to approve this loan, but they lied and misled me for six months. The lack of professionalism and absolute disregard for honesty and decency that everyone at PenFed has shown here is disturbing and disgraceful. Its no wonder people dont trust any American institutions.
Product: Credit reporting, credit repair services, 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/18, I received a promotional offer via email from CareCredit Rewards. The terms of the offer were as follows : " Spend {$250.00} and Earn a {$25.00} Statement Credit* '' or " Spend {$500.00} and Earn a {$50.00} Statement Credit* '' on purchases now through XX/XX/18 ( *Excludes In-Network Purchases ). After registering for the offer, I spent {$560.00} on out-of-network purchases prior to XX/XX/18. On XX/XX/18 I received a {$25.00} statement credit. When I called CareCredit on XX/XX/18 and asked why I received only a {$25.00} statement credit rather than the {$50.00} statement credit that I had earned under the terms of the promotional offer, I was told that a {$50.00} statement credit would only be earned on a single purchase of {$500.00} or more. When I objected because that condition does not appear in the promotional offer that I received on XX/XX/18, I was told that my complaint would be reviewed by CareCredit 's marketing team ; and I would be notified of its decision within 10 days. As of XX/XX/18 ( i.e., 16 days later ), I had not received a response to my complaint ; so I called CareCredit again and was told that the marketing team had reviewed my complaint and denied it. In summary, I am owed an additional {$25.00} statement credit by CareCredit because I met the terms of its offer by spending more than {$500.00} during the qualifying period after registering for it ; and the offer did NOT indicate that {$500.00} had to be spent on a single purchase to earn a {$50.00} statement credit.
Product: Debt collection

This company is sending me the same debt as two other companies and refuse to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the website to get my entitled free annual report but it was blocked for whatever reason and I was told to " mail in '' my identity and SSN number! Who on earth would be XXXX enough to mail in such private information? What an archaic system! I had no other problems confirming my identity and getting my reports from XXXX and XXXX. Equifax has a system history of problems and information discrimination, I XXXX XXXX HERE DEMAND my entitled free credit report and the data you are collecting about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to correct the original errors made on my credit with the payoff date of an auto loan ( see attached ). I ran my credit on XX/XX/2023 and they made it worse not better. Then they decided to update the last reported date to the date they responded to my dispute in an effort to continue to have the information be incorrect. They've been doing this for anything I dispute that's inaccurate that they create problems on no matter what proof accompanies it. The other 2 bureaus have it reported accurately. Equifax is so incredibly stupid and confused that they can't seem to figure out what is right and what's wrong with the info they have on file. They never bothered to go back to the creditor to figure out what they've done wrong, they just say XXXX you debtor you don't pay us the creditor does and leave it on inaccurate. Therefore this is their last chance to fix it. I'm including the creditor too so they can see what has amassed here and why I'm complaining. Going forward this is exactly what I intend to do with all of these stupid credit bureaus who continue to make errors and CFPB DOES NOTHING TO STOP IT!!!!