23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I made a payment on my Citi XXXX XXXX XXXX XXXX. The payment was deducted from my bank account on XX/XX/XXXX in the amount of {$450.00}. My Citi card is usually credited right away when I make a payment. However, on XX/XX/XXXX I noticed my payment had still not been credited. I contacted Citi through their app and was told my payment was on hold for security concerns. I was transferred to another representative who told me my payment was under review because it was a large payment. My request for documents to show how they can withhold crediting my account was ignored. I have elevated this because as of today, XX/XX/XXXX, my payment still has not been credited and I was told the review would finish on XX/XX/XXXX. This was not the first time Ive made a large payment on this card. This is however, the first time cl my account has not been credited. I have bills that get paid with this card since it is a rewards card. Those bills can not be paid since Citi is withholding my payment. The chatbot even shows my account to be credited. I feel this is fraud by Citi and a direct violation of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous times. I have filed ftc reports and this item is still reporting on my credit report. This company has never validated this debt. This debt is not mines. They have never provided me with written proof with my signature on the original contract to validate this debt. They are in violation of 15 USC 1692gSec.809 ( b ). This company is also in violation of FDCPA sec 807 misleading and false reporting. This company continues to report inaccurate and false information which is ruining my life. I am in the process of getting a home and this item on my credit report is affecting me. It is false information and I will seek litigation if it removed immediately.
Product: Mortgage

I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, XXXX finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with Dyck O'neal. Dyke O'neal provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. XXXX, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from Dyck Oneal ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when XXXX XXXX XXXX Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage XXXX # XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX loan number, but Foreclosure Case # XXXX
Product: Mortgage

I had a home equity line of credit with XXXX XXXX. After XXXX filed for bankruptcy, my account was transferred to Specialized Loan Servicing ( SLS ). In XXXX 2015, SLS offered me a loan modification with a fixed monthly payment to include principal and interest. I accepted the offer and paid the loan modification fee. Then SLS began sending me a monthly statement showing a monthly payment amount that was much higher than what the loan modification called for. I contacted them and was instructed to pay the agreed upon amount, they said that it was an error in their system and they would correct it. Every month thereafter, I would receive a statement from them for a higher amount. Every month I would call them and they would instruct me to pay the agreed upon amount, which I have. I have always made my payment prior to the due date and have never been late or missed a payment. After many months of this, I finally received a statement for the correct amount, but it indicated that I was a month behind. Again, I called and was told that his is a system error and it would be corrected. It has been over a year and this is still not corrected. In addition, I was issued a XXXX interest statement that is not correct since my payments have n't been credited correctly. I receive phone calls from their collection department almost weekly, and this is bordering on harassment. Again, I have made all of my payments early, have never missed a payment or been late. I 've talked to their customer service department dozens of times and each time I get the same response that they will " open a ticket '' but nothing ever gets done and no one ever fallows up with me as promised. This is the worst customer service that I have ever experienced. Can you please help facilitate this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card paid off as soon as I got unemployment from the Covid epidemic XXXX XXXXXXXX Sold my debt apparently according to credit report Also this was all during Covid epidemic
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my credit report, which I initially brought to the attention of TransUnion on XX/XX/XXXX. Despite the considerable time that has passed, TransUnion has failed to respond or rectify the following discrepancies. I kindly request your intervention in addressing this matter. 


XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$4000.00} TransUnion is reporting inaccurate information for the XXXX XXXX XXXX account. The original creditor for this account is XXXX XXXX XXXX XXXX not XXXX XXXX XXXX I have never had any contractual relationship with XXXX XXXX XXXX  nor been contacted by them. Furthermore, the reported balance of {$4000.00} is higher than I believe it to be. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 

XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$3800.00} The information presented for the XXXX XXXX XXXX  account is also incorrect. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX TransUnion provides erroneous information about the balance, reporting it as {$3800.00}, which is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$4000.00} TransUnion inaccurately reports data for the XXXX account. I am uncertain about the accuracy of the reported balance of {$4000.00}, as it exceeds the amount I recall owing. The account is indicated as closed and charged-off, and therefore the Past Due amount should not be provided. I will clarify this matter with the creditor. Meanwhile, I request that TransUnion mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX  XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The XXXX XXXX XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} The XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against Credence Resource Management , LLC ( CRM ) and XXXX XXXX XXXX XXXX regarding their unlawful debt collection practices and violation of my consumer rights. 
On XX/XX/year>, XXXX wrongfully forwarded my alleged debt of {$360.00} to CRM, an unbonded collection agency, to collect on their behalf. This action by XXXX was irresponsible and potentially illegal, as they should have ensured CRM was properly licensed and bonded before assigning my account. 
CRM then engaged in deceptive and unlawful practices : -Lack of Consent : I never gave direct consent for CRM to contact me regarding this alleged debt. 
-Unlicensed Collection Activities : Through my own research, I discovered that while CRM may be licensed, they are not bonded as required by New York State law for debt collectors operating in certain municipalities, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Each of these areas requires a specific type of surety bond known as a collection agency bond in a specific amount. 
Improper Credit Reporting : CRM reported the alleged debt to credit bureaus without proper validation or my agreement to its legitimacy. 

I reported CRM 's shady practices to the New York State Division of Consumer Protection. Only after being contacted by this regulatory body did CRM recall the debt to XXXX, as evidenced by the attached letter dated XX/XX/year>. This action clearly admits guilt and demonstrates an attempt to relinquish responsibility for their unlawful practices. 
I am requesting that the Consumer Financial Protection Bureau investigate both CRM and XXXX for these violations of consumer protection laws. I seek the following remedies : -Removal of all negative credit reporting related to this alleged debt. 
-Confirmation that the debt has been permanently recalled and will not be reassigned to another collection agency. 
-A formal apology from both CRM and XXXX for their mishandling of this matter. 
-Monetary damages to compensate for the negative impact this unlawful reporting has had on my credit score and my ability to obtain credit. 
-Any applicable fines or penalties to be levied against these companies for their unlawful practices.
Product: Checking or savings account

Fraudulent purchases on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX to XXXX in the amount of {$570.00}. I filed a dispute and was denied. Contacted the West Virgina Attorney General 's office, XXXX and other entities to no avail. Chime would not tell me how my complaint was investigated. Also, my account was closed without my authorization.
Product: Debt collection

I have been up to the actual XXXX store MULTIPLE times as well as called in and have RECORDED conversations where they told me I owed nothing and would get a refund now its on my credit report. This is illegal and I want it removed immediately or Ill get an attorney involved.
Product: Credit reporting

Equifax did not properly " reinvestigate '' the false item on my credit report that does not belong to me. It did n't not tell the method it used and did not provide me with copies of her supprporting documents to support its conclusion. And, most importantly, it did not remove the erroneous item.
Product: Debt collection

I called the law firm to provide me wet signature between me and the original creditor also to verify the account and to send me original statements from the creditors
Product: Credit card

Bank Of America applied {$51.00} in interest charges to my credit card account. The Credit card had a balance transfer with separate terms and agreement, and at the time of accepting the balance terms and agreement it was explained to me that as long as I have available credit line and I make purchases and pay off those purchases within the due date that no interest will be charged. 
I contacted Bank Of America on XX/XX/XXXX and XXXX of XXXX and both employees that spoke with explained that was their understanding as well. The new charges which generated the interest was paid off way before the due date so those employees that I spoke escalated the issue to their back office as they called it for review because they did not understand either why the interest was applied to my account. The back office sent me an email XX/XX/2024 denying my request to reverse the interest charges and they did not give an explanation. 
When I call back the representative, explain that I would need to pay off the total new balance to avoid any interest charges. Otherwise any payments made would first apply to the minimum balance on the low interest rate, which would be my balance transfer and then to the new purchase, which has the higher interest rate, and the interest rate for the new purchases would apply immediately not like other credit cards where you have a grace period without interest and a due date. 
The wording in the terms on the conditions included with my statement, says that no interest would be applied to any new total balance generated from month-to-month if its paid off within the grace period. The Bank Of America customer service representative my statement with the new charges, resulted in a new total balance, and it meant that I would have to pay off that new total balance. This goes against the point of having a balance transfer and the availability of a credit line to make purchases and pay those purchases off. in essence, Bank Of America saying if you have a balance transfer and you make any new purchases, even if you pay those purchases off before the due date, you will still be charged on those new purchases because your new total now includes the balance transfer. 
This is a deceptive and manipulative practice for taking advantage of customers trying to follow the rules and do the right thing.
Product: Debt collection

They sent a text message but no proof we're it was investigated nor verified.. nothing written frm the original creditor or their investigation team..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1, XXXXXXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 1681c. ( 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX has sent numerous notices for servicing a " new loan '' that does not exist. The loan they are referencing was paid off in 2023. XXXX XXXX  is currently sending me random bills that say I owe {$270.00} ( payment of {$75.00} for XXXX ) -- I have no idea what this could be in regard to. My mortgage is currently paid through XXXX. This bank has really gone downhill, and I've had serious billing issues with them in the past. Deplorable.
Product: Debt collection

I would like to file a complaint against Kenoshian & Mielle LLP and XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX bought a credit card balance of mine from XXXX from XXXXXXXX XXXX, the balance I defaulted on was less than {$1000.00}. I was told they bought a ghost account. Im not sure what that means. 

They attached my paychecks back XXXX for a total of {$6000.00} paid in full. That was the amount they said I owed. I assumed I had paid that debt in full 20 years later. 

On XX/XX/XXXX, I received another letter from them and a court judgment for another {$5200.00}. This came 3 years after I paid them {$6000.00}. They wont stop coming after me. It is a racket and I want to file a complaint for them to stop. I feel like this will never end. Ive attached the papers sent to me. 

Thank you for your help.
Product: Payday loan

I received a payday loan and when working out payment they continually attempted to take funds from my account. When I hired a debt consolidation company to help Castlepayday would not speak to them and repeatedly called my work and family members, harassing them and cussing out the office manager at my office. They have called no less than XXXX times a day and have been very threatening to people at my office and family, I did not give them these numbers, they somehow acquired them without my knowledge and have harassed them all everyday even after I have asked them to stop.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/year>
Product: Credit card

I 've been a Best Buy card member since XXXX. I always pay my bills on time and even pay more than minimum monthly payment. As of XXXX/XXXX/XXXX they reduced my credit limit from {$2100.00} to {$1300.00}. When I called to inquiry about the recent change XXXX XXXX, new applicant specialist, informed me due my credit report the company must reduce my credit limit. I explained to her the items are currently being disputed and her response was that does not matter. Best buy can not reverse decisions made. This is poor customer service and demonstrates best buy do not value good card members. Furthermore Best buy has failed to inform me of changes to conditions and terms.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX