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

For many years I was a responsible XXXX XXXX XXXX XXXX member. I made payments on time and went so far as to put my card on a HOLD until I had the balance paid in full. I paid the balance in full on XX/XX/22 in the amount of {$150.00} with check # XXXX. That month XXXX XXXX was bought out by Marcus : by Goldman Sachs card. I received a bill for {$9.00} for XX/XX/22 and {$9.00} for XX/XX/22 for charges from a company that was able to bill the Marcus : by Goldman Sachs card. That company was XXXX. I called XXXX and learned that my account with them was canceled and that the bills to the Marcus card were made in error. I called and asked Marcus : by Goldman Sachs to open a case investigation into my account. I spoke to XXXX on XX/XX/22, then XXXX on XX/XX/22, and then XXXX also on XX/XX/22, from the Specialist department, XXXX, who stated that a credit would be applied in the next 2 billing cycles and that Marcus would call if they needed further information. I received letters with Dispute ID # XXXX and # XXXX informing me that the card disputes for {$9.00} and {$9.00} were credited to my account. However, the interest charges and late fees were NOT credited. I asked for disputes to be placed on the late fees and interest charges. Only the interest charge of {$0.00} was credited back. The {$40.00} late fees were NOT credited back. I called and spoke to XXXX on XX/XX/22 and then spoke to XXXX and XXXX on XX/XX/22. I was told by XXXX that the late fees were not reversed because the department that deals with late fees found that no error occurred. The Specialist XXXX said that she would put in another dispute for the {$40.00} late fees, however, she did not feel that they would get refunded because they had deemed it as no error occurring. XXXX did admit that the HOLD that I placed on the account when it was owned by XXXX XXXX was lifted during the conversion to Marcus : Goldman Sachs. I never authorized the hold to be lifted. I should not have a balance at all with Marcus : Goldman Sachs. I never made charges on the account. I was told by XXXX that I would need to make payments on the account anyway. I was told by XXXX that this was not an escalated complaint and there was no one else I could speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my Equifax credit report its showing that I was 60 days late & XXXX its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but Equifax is still reporting this account as negative & XXXX as well as XXXX are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted
Product: Student loan

This account is too old to be on my credit report. It has an open date of XX/XX/XXXX. It was closed and was transferred to another lender. My loans are all consolidated under one lender now. It is too old to be on my credit report. We are in XX/XX/XXXX! Almost in XX/XX/XXXX. It was removed from my reports in XX/XX/XXXX and now it is suddenly showing again. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX This company is reporting DIFFERENT DATES OF LAST ACTIVITY. 

XXXX XXXX XXXX This company is also reporting DIFFERENT DATES OF LAST ACTIVITY.
Product: Credit card or prepaid card

I applied for a Capital-One " Quicksilver '' credit card on XXXX through a secure online link XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After meeting the {$500.00} spending threshold advertised for a {$200.00} bonus, Capital-One advises that I am not eligible for the offer. I verified tonight ( XXXX ) that this {$200.00} incentive remains advertised on the first page of the Capital-One website that I used for my application.

This {$200.00} bonus offer appears twice to the applicant - first when the initial quicksilver incentives are displayed ( as shown in the attached file ) and then again when the applicant continues with the application reaching the personal information page where the {$200.00} bonus incentive is even more prominently and singularly shown right beside the data entry location.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # 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: Mortgage

XX/XX/XXXX US bank raised my mortgage due to Escrow shortages. They didnt call or email they just sent a letter in the mail. Honestly looked just like my statement. Called them we basically split the difference really silly. It's all recorded I was asked to pay XXXX different amounts. I asked for a supervisor back in XXXX still to this day XX/XX/XXXX still have yet to speak with supervisor. My payments started out at XXXX in XXXX by XXXX I am at XXXX I get the tax and stuff. My Escrow account is alway XXXX because they move things around saying that I owed them from past years. The company stated that I have to have a Escrow balance of XXXX to start every year. But I always am short so I have to pay back the Escrow shortages and my payments go up. My credit score was a XXXX in XXXX now I'm having trouble getting it back up. I have almost XXXX in equity in my house but I cant refinance it due to the one missed payment and I cant catch up due to the Company wanting to break that one payment up over 3 months so I would have to pay almost XXXX a month which is not happening. If yall can pull the calls and just listen to what they said and how they are screwing me over. 

Also they sent me a project Escrow payment for the year which was XXXX. But for the whole year of XXXX I payed XXXX a month just in Escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Today, XX/XX/2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and XXXX.
Product: Credit reporting

All address ' listed except XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Are not mine
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts listed on my credit report that are inaccurate and unverifiable, stemming from the Equifax data breach. These accounts are not mine, and under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, they must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on rectifying my credit report after my accounts have been entered and used off and on since XXXX. The most recent hack was with my XXXX XXXX Charge account last XXXX XXXX XXXX XXXX When gift cards were purchase on my account with out my knowing, I reported it to the Police in XXXX Mass and I reported it to XXXX XXXX and the bureaus. I can not understand how these bureaus can have so much control of our lives when the Police told me that this kind of thing is happening everywhere. 
The police contacted XXXX XXXX about the fraud but they did not shut down the account take the report seriously and then open a new account. They wrote to the bureaus that I owe over XXXX to XXXX XXXX. They would not take this as fraud and this was during the recession even though is was not during XXXX the recovery was continuing. 
My complaint is with XXXX XXXX taking advantage of a XXXX women 's tough situation and the bureaus not willing to really do the right thing but instead made my score so low that I have not been able to be treated any more than a criminal. I have taken a company public but I could not buy insurance due to pre-existing conditions and have had 28 XXXX But this complaint is about the need to get justice for me and I bet many XXXX people but also to redo the power of the credit bureaus. These companies control our lives with the FICA scores even in an environment where millions of people have had their information from companies like XXXX nd all of the retail companies and tech companies like XXXX. Information is stolen, accounts will be hurt and should not the credit bureaus be altered to be able to be attuned to the problems vs. treat real people who are responsible with heavy handedness and cruelty, The credit card companies like XXXX XXXX do very well. They did not need to take over a year to then decide that they still would not address the fraud done on me and they still would not give me a new card. Instead they not only made me responsible for something I was not responsible for but they then penalized me in rejecting me with re-opening my account. Even the Police asked for my account to be reopened because I actually paid before the bill was issued. I am XXXX. If my car gets a flat tire and I have not enough left on my ssi to pay for the help, I am now at risk that I will be stuck without help. It is time to take care of stopping the powerful from hurting the not powerful but responsible people. Thank you, XXXX XXXX
Product: Student loan

On XX/XX/2019 I applied for a program with SALLIE MAE to lower the payments of my student loans due to changes in life circumstances. They told me I would make three qualifying payments of {$32.00} for three months and then qualify for the program. The next month, I get notice that my loan is delinquent and will be reported to the credit agencies. When speaking to a representative, I was told that they made a mistake and that the qualifying payments should have been {$50.00} for three months to qualify, so I made arrangements to pay the difference on XX/XX/2019. Then I was told that my loan actually didnt qualify for the  program and then I was told that I could do three qualifying payments to tack them on to the end of my loan so I wouldnt be delinquent, even though I wasnt delinquent and had followed all the details of the plan they put in place. 
I was affected by the hurricane that caused us to evacuate, so XX/XX/2019 was granted a hurricane/ disaster forbearance. XX/XX/XXXX the dented {$120.00} from my account from the last plan they had put me on, even though I was on forbearance and told nothing was due. They refunded the money, but when they did it canceled my qualifying payment and put my account as delinquent, even though I was told the forbearance wouldnt affect this plan I was forced into because of their mistake. Sallie Mae has deceptive practices. As a teacher is would be nice if the public service forgiveness was eligible for these loans.
Product: Mortgage

I had a foreclosure sale date scheduled for XX/XX/XXXX, 2017. I have Loan Modification with my servicer NATIONSTAR MORTGAGE, LLC and they have violated my CALIFORNIA HOMEOWNERS BILL OF RIGHTS including SECTION 362 ( A ) OF THE BANKRUPTCY CODE.
Hi, my name is XXXX XXXX and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGAGE, LLC. I have mailed and faxed over all documents for a loan modification but they still proceeded with the foreclosure sale scheduled for XX/XX/2017.. I 've been trying with them for a long time.
Couples days ago I woke up in the morning and saw that there is a sign stuck into the ground of my property from a real estate agent company saying that the home is For Sale. I was really shocked to see this. We contacted the real estate agent XXXX XXXX ( XXXX # XXXX ) with XXXX XXXX XXXX Team Partner with XXXX XXXX  in XXXX, CA. I asked him why he put up a For Sale sign on my property he replied saying that he listed the property for sale. When I attempted to ask him more question about it he said dont worry about it, its none of your concern. I explained to him that im under an active Federal Bankruptcy he replied saying I dont care not my problem.
I requested him to stop all these transaction under the Section 362 ( a ) of the Bankruptcy code and remove the home from listing and remove the signs he denied. XXXX XXXX ( XXXX # XXXX ) with The XXXX XXXX Team Partner with XXXX XXXX are in violation of SECTION 362 ( A ) OF THE BANKRUPTCY CODE : Section 362 of the Bankruptcy code requires all collection efforts to cease immediately upon the filing of a voluntary or involuntary bankruptcy petition. Section 362 ( a ) of the Bankruptcy Code provides that the filing of a bankruptcy petition operates as a stay against the following activities : ( 1 ) the commencement or continuation, including the issuance or employment of process, of a judicial, administrative, or other action or proceeding against the debtor that was or could have been commenced before the commencement of the case under this title, or to recover a claim against the debtor that arose before the commencement of the case under this title ; ( 2 ) the enforcement, against the debtor or against property of the estate, of a judgment obtained before the commencement of the case under this title ; ( 3 ) any act to obtain possession of property of the estate or of property from the estate or to exercise control over property of the estate ; ( 4 ) any act to create, perfect, or enforce any lien against property of the estate ; ( 5 ) any act to create, perfect, or enforce against property of the debtor any lien to the extent that such lien secures a claim that arose before the commencement of the case under this title ; ( 6 ) any act to collect, assess, or recover a claim against the debtor that arose before the commencement of the case under this title ; ( 7 ) the setoff of any debt owing to the debtor that arose before the commencement of the case under this title against any claim against the debtor ; and ( 8 ) the commencement or continuation of a proceeding before the United States.
Product: Debt collection

Jefferson Capital Systems is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with Jefferson Capital Systems and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the XXXX laws!. **This collection account is not accurate, verifiable, nor is it compliant to XXXX or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory XXXX XXXX Compliance standards. As you are aware, these standards are clearly outlined in the XXXX XXXX  nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. 


Please DELETE ASAP!
Product: Credit card

I paid Citi XXXX {$3700.00} after they closed my credit card account. XXXX and XXXX XXXX confirmed I paid off the card and the balance is not XXXX. I called XXXX personally and they confirmed Citi confirmed the balance was XXXX and the card was paid off. 
Now Citi Card online on their website is stating they didn't get the money and want me to pay payments as they claim there is a balance on the card. 

I have called them repeatedly, emailed them and my email comes back undeliverable, talked to their XXXX XXXX  representative and they still claim they didnt get the payment and I own them the full amount or a payment. 

My FICO score at XXXX is XXXX so I am not a XXXX XXXX  person reporting on them for no reason. 

They want money in XXXX days or they will destroy my credit rating and turn me over to collection for a bill that XXXX confirmed Citi received my payment in full and there is a {$0.00} balance. 

Citi refuses to contact XXXX to get the confirmation from Citi saying it was paid in full. Their right hand doesn't know what their left hand is doing and it is causing me great stress. Please contact XXXX and have them tell Citi that they were paid in full like XXXX by email and phone told me. They closed the account as they refused payments many times. Finally, XXXX went through and XXXX confirmed that Citi confirmed the payment in full.
Product: Credit reporting or other personal consumer reports

These are my disputes for Experian as they havent responded to fix some of the issues with my credit report. see attached
Product: Debt collection

I am writing to formally complain against Meridian Financial Services for ignoring my repeated attempts to dispute a debt. 

On XX/XX/2004, we entered a timeshare contract with XXXX. Due to unforeseen circumstances, we could not maintain the financial obligations tied to this contract. As such, we started the process of canceling my membership with XXXX. 

During this period, the debt associated with my timeshare was passed onto Meridian Financial Services. Since then, we have made numerous written attempts to communicate with Meridian Financial Services to dispute the debt. Regrettably, all these attempts have been ignored by the company. 

The debt needs to be returned to XXXX, the original creditor, so I can continue the cancellation process. The lack of response and cooperation from Meridian Financial Services has created unnecessary complications and stress. 

We have been mistreated, and my rights as a consumer have been violated. This unresponsiveness is unprofessional and impedes my ability to resolve the situation. 

We request the intervention of the Consumer Financial Protection Bureau in this matter. With your assistance, we can rectify this situation and ensure that the debt is returned to XXXX so we can continue with the cancellation process. 

Thank you in advance for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries on report need to be removed immediately from credit file Equifax is reporting I have attached identity theft report along with License with my current address XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX