23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT 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
Product: Debt collection

Called me more than XXXX times within XXXX consecutive days, Called me within XXXX consecutive days of having had a telephone conversation about the debt, Called me at an inconvenient time before XXXX XXXX  or after XXXX XXXX. I have tried to setup payment plans but financially can't keep up. They call me XXXX times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX - Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Mortgage

I live in XXXX. I own a rental property in XXXX, XXXX. Over a year ago, I was not able to pay the mortgage due to increases to the taxes and insurances. I have tried all that I know to do. 
I tried to get a remod on the house. I have tried to get a deed in lieu. To no avail. every 3 months when I think we are about to resolve the issue, they change representatives and I start all over with getting them information. In the case of the final situation, they seem to have lost my information. When I re-sent the information to them, I did not hear from them so I am at a lost as to what other procedures can I follow. My mortgage is just collecting more and more debt and I need a decision to be made now. It is constantly hurting my credit in more ways than one. I need a path to settle this situation once and for all.
Product: Credit card or prepaid card

I opened a US Bank Business Cash credit card when opening my business checking account. I was shown a pamphlet outlining all the various credit cards the bank has and was asked to pick which one best fit my needs. The credit card I picked had a bonus offer of {$500.00} statement credit after {$4500.00} spend. I asked the banker if I would get the bonus and was assured that I would. This is the standard new card member bonus that is advertised on all US bank credit card material. This material can be found in branch, on the website, on social media. It's literally advertised on every piece of promotional material I've seen about this card. 

Upon meeting the minimum required spending I waited for the statement to close. When the welcome offer was not awarded I called the bank to inquire about the issue, this is when I was informed that this offer was not linked to my account. I asked the bank to please resolve this matter, and was instructed to send in copies of the offer I received and cited during the application process. I faxed those in to card member service and received a latter today XX/XX/30 that they are unable to add the offer due to applying in branch. I spoke with my banker and they escalated the issue up the chain, but I assume this is why I have received this letter. This is not a targeted or special invitation offer, this is the standard welcome offer that is advertised everywhere. 

I have been a US Bank customer for quite some time and have 2 other credit cards open with the bank. Both of those cards were opened in branch with a banker and both of them have had the same type offers advertised. I had no trouble getting the previous welcome bonuses, so I do not understand the issue now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander reported a late payment in XX/XX/2022. In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a report without my written instructions.
Product: Debt or credit management

XX/XX/XXXX i paid off the remainder of my account {$250.00} and something. credit report still showing delinquent. I called them had same problem when paying off account had to stop auto pay wait for mail then they found me. same deal when i called today about saying delinguet account on my credit report. they said sorry sir we have no record of you not even by by ss number!!!
Product: Debt collection

I was sent a collection letter from jefferson capital systems llc, I requested to have more information sent to me about this debt on XX/XX/XXXX at XXXX XXXX. XXXX  is XX/XX/XXXX XXXX XXXX  XXXX. I Have not received any correspondence to my letter requesting more information on this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information to XXXX XXXX. When I log on to Equifax directly to check my credit report it doesn't show any collections. When I log on to XXXX XXXX, the Equifax profile is showing 3 collections on my Equifax profile that is hindering me from establishing new credit with various banks and lenders. I can't submit a dispute through Equifax about the accounts because the accounts not directly on Equifax to dispute. I want the 3 collection accounts removed off of XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX 2021 I applied for a Home Equity Loan at TD Bank in XXXX XXXX with loan officer XXXX. I was approved within days. All paper work was filed, appraisal was completed on my CO-OP, Questioner was sent from my Property Managers office ( I also paid for it out of my own pocket 150. ) Was waiting on a closing date after about three months and then was told second under writer said they don't offer Home Equity Loans on CO-Ops. I was advised not to pay my personal loan during the process cause I would be getting the funds from the Home Equity Loan. So I am now behind on that loan. 
I was told they escalated the situation to the higher names but I still havent heard a response nor its been two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and Equifax has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and Equifax has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC    # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and Equifax has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX , ACC # XXXX High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and Equifax has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another?  This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!
Product: Credit card or prepaid card

Bank of America is stealing money from me they are bringing up claims that were deem permanent and they are also trying to make decisions based on claims that were way pass the 90 day period of hey are trying to stick me with a XXXX claim then came with a XXXX response as to why they denied it the other one all day the same except one and a half and thats another thing how can yall approve held a claim this bank is stealing money in every way possible then the complaint specialicapls ke to ask me to stop calllimg so much but you guys are holding my ki in my are u XXXX t my child needs her medication plus more they dont care but understand that this is my family and I will fight until the the day they take every penny out this bank and shut it down because this os unacceptable they let people steal from me then send me through XXXX then made sure that they did dont giver my temporary credits then the claim that they approved went to the negative balance someone is doing a inside job at Bank of America because how was anyone able to teller withdraw my account make that make sens Bank of America HOW I WANT MY MONEY BACK AMD THE SIMPLE FACT THAT YOU GUYS ARE BEING SUED FOR MONEY LAUNDERING AMD HELPING SOMEONE SCAM MILLIONS TELLS ME ALOT ON TOP OF THE OTHER ISSUES Customers ARE FACING BECAUSE THIS BANK NEEDS TO BE INVESTIGATED OR SHUT DOWN MY FAMILY IS MY LIFE AND IM READY FOR WAR BEHIND THE PAIN YOU CAUSED ME AND MY FAMULY FET READY BECAUSE IM MAKING 10 stops f these today yall stole from the wrong woman then they duplicated claims added someone elses information to my account then they just made adjustments to my account but wen I talk to the rep they says I was denied but Im tellin her Im seeing activity in my account the credited me once and debited twice this is not ok Im in the negative because they dont know how to do their job and doing malicious things to people like me then making me suffer behind their games
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Government Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card

I paid {$1800.00} to my original balance transfer account. I also have {$5300.00} on " Flex Plan '' payments left on my closed account. I had also paid {$200.00} earlier in this billing cycle to satisfy my Flex Pay plan due. 

Options to pay {$1800.00} were explicitly made to pay new balance and would not be applied to future Flex Payments. Copied from screenshot - that option specifically states : {$1800.00} - Remaining Adjusted New Balance + Flex Plan Monthly Payment This is the remaining amount owed to satisfy your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. 

Citibank Reps advised me that the payment would go to the highest Interest Rate- which is technically the Flex Plans at this point.
Product: Mortgage

In XX/XX/XXXX I applied to refinance my first mortgage XXXX ( XXXX ). The process went along smoothly until I needed papers to subordinate my second mortgage with Rushmore Loan Management Services ( XXXX ). 
The request for subordination was sent to Rushmore in the first week of XX/XX/XXXX by XXXX, my refinance company. On XX/XX/XXXX, Rushmore promised the subordination documents in XXXX-5 days. So the title company ( XXXX ) scheduled the closing on XX/XX/XXXX at my XXXX County home. I did not pay my mortgage for the month of XXXX because I was advised the total loan would be paid off in the first week of XX/XX/XXXX. 
The fact is, after promising the paperwork a number of times since, Rushmore did n't send the subordination documents until XX/XX/XXXX. That caused my rate lock to expire costing more money, AND added more money to my mortgage payoff at an interest rate of just over {$81.00} per day. Now I am saddled with having to roll an estimated additional {$3700.00} plus filing fees because my loan rate expired. When you cost that out over a 30 year loan, I will be paying ( a very conservative ) additional {$210000.00}!!!!!!! I spoke with a member of Rushmore 's Consumer Service Department, who agreed I should be reimbursed. But, I received a letter on XX/XX/XXXX stating Rushmore made no error, and my request to be reimbursed was declined.Is there ANY help you can offer?
Product: Debt collection

For the past 2-3 months, Ive been receiving repeated phone calls from Gurstel Law regarding a credit card debt. Ive attempted to block the number and now they call me from various ( XXXX ) area code phone numbers. I received a written notice on XXXX XXXX, XXXX  regarding an attempt to collect a debt. In that notice, it says if you write to us by XX/XX/2022, we must stop any collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents, we accept disputes electronically at XXXX I proceeded to dispute the debt via email on XX/XX/2022. Since then, Ive still received repeated calls. They have violated my right regarding reaching out to family members to discuss my debt. My mother sent me a text message on XX/XX/2022 with their information and the text reading This law office is calling my number for you.
Product: Debt collection

I was notified by Transworld Sys Inc. of their account # XXXX of a debt claimed by XXXX XXXX XXXX for {$760.00}. I have not received any invoice from XXXX XXXX XXXX, and I have requested one several times from Transworld System showing any charge without anyone sending an invoice. There is no proof or basis given for the charges. In addition, medical services will mean that I get a notice from Medicare on what Medicare was charged, permitted, and paid. Medicare will show what I owe. I have not received any information from Medicare regarding  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed Police report with XXXX Police Department and I submitted the police report to Experian Per FCRA 605B and Experian has refused to follow the Identity Theft Law Pursuant To FCRA 605B 15 U.S.C. 1681c-2. I have been a victim of Identity Theft and I requested that this be addressed regarding the listed accounts within the police report.
Product: Credit card

i setup automatic payments with them and they kept saying it was bouncing back and they kept charging me fees for it. i called my bank that they were trying to change my acct at and they said and provided documentation that the credit card company was using the wire routing number which i did not provide to them instead of then electronic. i tried on many occasions to reason with the cc company and sent them a letter from my bank they claimed they could not refund the late payment fees or bounced checks and reiterated that they were using the routing number i provided which was untrue i was looking right at the screen talking to them. they said the would open an investigation which i never heard back about and they said they would halt charges and interest on my account as i did not want to pay it all of since the interest was about to start charging and they said they wouldnt charge anything more until the investigation was complete. now they have doubled my amount due, are harassing me and not acknowledging this. this has ruined my credit and wasted my time.
Product: Mortgage

On XXXX XXXX, 2017 Ditech Financial LLC received ( via certified mail ) a request from me regarding payouts that had been made from my account : # XXXX. It has been 38 days and they have not provided me with the information. They refuse to call me even though they assured me via email that they would.
Product: Credit card

I'm in the process of getting a home so I recently started paying close attention to my credit report and started building my profile as I realize there was a closed credit card on my credit report from well Fargo, but what was strange was not only the account was fraudulent, the account wrote down a fraudulent name, my name is XXXX XXXX but the account is under XXXX XXXX, but my social was used to acquire this credit card and I'm writing this report to have this removed immediately it has caused my financial stress.
Product: Prepaid card

I would like to document a complaint against the American Express Serve XXXX. On XXXX XXXX, 2015, I used the new bill pay service to pay my car note via their website at americanexpressserve.com. I then contacted the Customer Service just prior to completed the bill pay. After I clicked the submit the Representative XXXX ( name unknown ) then told me the payment would not be mailed out as a check. 
The reason this is an issue for me is I was previously told by Representative XXXX ( name unknown ) the payments sent through the American Express Serve bill pay process would be sent out as a check. 
My lien holder for my automobile does not accept American Express. However, my lien holder does accept checks. I need to have this processed in a way which will be received by my lien holder, or I need to know what happens to my money. I have the receipt which I can send to whomever needs it.
Product: Student loan

XX/XX/2022 - Predatory lender. I contacted Sallie Mae to request lower monthly payments. My four student loans have gone from {$87.00} ( XX/XX/2022 ) to {$180.00} ( Due XX/XX/2022 ). The representative said that there is a 15-day grace period and to pay what I can, however, if the full payment has not been received, Sallie Mae will contact me to discuss payment options. I find Sallie Mae 's practice of offering options only after the payments have been missed, unacceptable. Why do I, as a consumer, have to run the risk of damaging my credit scores ( with missed payments ), before being offered more realistic payment options?
Product: Checking or savings account

I had an account with Wise. There is about $ XXXX USD in the locked account. $ XXXX is currently in the balance which I was trying to send to my bank account, from which they took 2 weeks to " review '' the transaction, and then today they closed my account. The other $ XXXX is in the account, but will not show up in my balance due to them not completing their " review '' which is what support told me. So there is $ XXXX in that account which has now been locked with XXXX reasoning. I'd like to get my money out to my bank account.
Product: Debt collection

I contacted Great Lakes ( Dept of Education ) XXXX Wisconsin about Negative info placed on my credit report. I presented my specific financial circumstances also. I also mentioned that they were violating the CARES act related to COVID19 irelated to not reporting negative info on credit bureau reports from XX/XX/2020 to XX/XX/2020. Great Lakes has reported negative info to all three credit bureau instead of indicating that my account current, they have reported it as derogatory which has been devastating to my credit score. 
I was set to make a major purchase at the end of XXXX but now that can not happen. This affects my livelihood significantly because now I wont have transportation for My son to go back and forth to school. He is XXXX XXXX XXXX