23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This all started when I was granted a deferment/forbearance with my Mortgage company ( Lower Mortgage ) back in XXXX XXXX XXXX. This was due to medical issues and was to defer 4 months of payments ( XX/XX/XXXX through XX/XX/XXXX ) and would be added to the back end of the Mortgage loan. Each month I would receive a statement, the statement for XXXX stated I was past due, so I called the loss mitigation department at Lower ( the department that granted the deferment ). Every time I called they said that it was a mistake and that they would take care of it. This happened for the next couple of months until the reinstatement process happened and when I made my normal mortgage payment in XX/XX/XXXX the XXXX statement showed current. I then checked my credit report and noticed that it dropped nearly XXXX points due to the fact that Lower collections department sent in to the credit bureaus that I was past due. I called Lower, they admitted the mistake but said there was nothing that they could do and I would have to straighten it out with the credit bureaus which I did. I filed disputes with all 3 agencies ( XX/XX/XXXX ) and was able to get my credit back to close to where it was prior. Now in XX/XX/XXXX I checked credit report again and noticed a XXXX drop. This was again due to Lower submitting a report of missed payments to the credit bureaus. I tried to login to my account and am unable to, a notification comes up " please contact support your account status is limiting your access to additional information ''. I called the number XX/XX/XXXX ( collections department ) they stated that they were showing that I had not made a payment since XXXX XXXX  XXXX which they again admitted an error. Also had a representative from Lower show up to my house on XX/XX/XXXX to verify that I lived there. I have contacted Lower just about everyday since XX/XX/XXXX to see if they have rectified their error and every time they don't know why it is taking so long and that they email their manager. Every time that I ask to speak to a Supervisor or Manager they are either " too busy '' or " are only going to tell you the same thing that I am telling you ''. I have not received any emails or phone calls from them stating that my account is past due and all of the mailed statements from Lower show that I am current. Don't know how they make an error like this and why it takes so long for them to correct it.
Product: Credit card or prepaid card

XXXX XXXX Rewards XXXX # XXXX issued by Elan Financial Services. 

I have filed a dispute on one of the charges on my credit card. The charge is as follows : Merchant : XXXX XXXX IL Transaction Date : XX/XX/2020 Posting Date : XX/XX/2020 The purchase was for a digital product, that I was supposed to receive within 24 hours after the purchase via email. The product, however, was never received. I tried contacting the merchant using the provided email address XXXX for a refund or the product itself, however, I never received a response. I opened a dispute with the bank regarding this charge, the bank gave me provisional credit and then reversed it, since I had to fill some paperwork which I never received in the mail. I finally got the paperwork after they had already reversed the credit on my account and sent it back to the bank, requesting the dispute to be reopened. However, I am not hearing a clear answer regarding this charge, every time I contact customer service. And no new credit is being posted onto my account. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have about {$XXXX} in federal student loan debt which was initially serviced by XXXX. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an XXXX  background check which showed about {$XXXX in federal student loan debt. XXXX is counting my loan balance twice, once with XXXX and once with XXXX. I submitted a dispute with XXXX for each XXXX loan on the credit report. Im unsure if this is an error by XXXX, or by XXXX or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.
Product: Credit card

We had a chargeback going back to XX/XX/year> for a hotel ( XXXX ) that states it offers parking but did not. The adjustment was made to the account for {$220.00} upon completion of the charge back process. I called the same day to confirm no further information was needed. 

I had closed the account due to ongoing issues with service at USAA on XXXX XXXX. 

As of today XX/XX/year> I now understand that on XX/XX/year> ( same day of closure / same day of the call to close the account ) a chargeback was returned to the account incomplete. Nothing was ever asked of me at that time and I was not informed of any additional information being required. 

on XX/XX/year> on a call the CSR 's at USAA would not admit to me the charge back wasn't put forward to XXXX to review. Only that someone from another department would need to handle the request and they could only call back. 

On XX/XX/year> I received a voicemail from XXXX in the disputes dept. I called back per the request and was told they could not transfer me. Upon digging in and speaking to 3 reps I was informed that I was correct that no charge back was ever processed. This was admitted by USAA to me after having to go to XXXX to find out if the chargeback was ever sent to them. It was not. 

I had spoken to USAA on Various dates to understand the process and situation and no one ever told me the charge back had never been processed or sent to the vendoXXXX XXXX  On XX/XX/year> this was verbally communicated by 2 Customer Service reps. The last being XXXX in the customer resolutions team. XXXX processed internal forms about the transaction. He asked if I was seeking refunds or credits. I am not. I simply want the lates removed from my account. They are neither fair or accurate.
Product: Debt collection

I have a a unverified account from Law Offices of Timothy M. Sullivan # XXXXXXXX.I have never done business with this company. I had previously disputed this account as it was under dispute for fraudulent fee and breach of contract I have also file a complaint with the Attorney Generals Office for misrepresentation. I have never done business with HS Financial Group , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Timothy M. Sullivan Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Timothy M. Sullivan Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Received a letter from a Debt Collector named Jonathan Neil & Associates , Inc threatening to report me or the vehicle owner to the appropriate State Agency as being XXXX if I dont give them my car insurance information. 

I have already been to court for this incident and the count has found me NOT GUILTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I am victim of identity theft and I do not want to see in my credit report information that does not belong to me. I do not know this item and ask you to remove it as soon as possible because its killing my score and report. Thank you for understanding
Product: Checking or savings account

Simple bank was sold to BBVA and our accounts were transferred to BBVA on XX/XX/XXXX at night. 
We have received letter and explanation about the process. And we as customers could choose if we want to close the account or remain on the new bank. My husband and I have a shared account and we decided to remain with our bank account. 
However, On XX/XX/XXXX I tried to access my account via BBVA mobile app and there is a system error preventing us to access our account. I have called all phone numbers provided from Simple and BBVA, and all messages are the same : we are closed on the weekend, we only have customer services from Monday to Friday. 

Now what I am supposed to do to access my bank account and savings? I have checks out and I need to make sure they were cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to the company and explained to them I was going through a hardship at the time and thats why I made a late payment one time only and it was XX/XX/2018 on my Discount Tire card by Synchrony Bank. I have never been late before. And they said they will remove the late payment since it was only one time. And I see the late payment still on my credit
Product: Credit reporting or other personal consumer reports

I am submitting in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX Date Opened : XX/XX/2019 XXXX Balance Owed : {$11000.00}. Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, update the account and maintain your help in attempting to resolve the current issue.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally request that certain fraudulent items be blocked from my credit report under Section 605 of the Fair Credit Reporting Act ( FCRA ). I have identified hard inquiries that have been reported as a result of identity theft, and as such, I believe these entries must be removed from my credit file. I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appeal on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These inquiries were previously disputed by the CFPB file number XXXX and file number XXXX and were previously removed per your investigation but were never blocked and removed per your results.These fraudulent hard inquiries are as follows : Previously deleted per your reinvestigation item has now reappeared hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. As stipulated by FCRA Section 605B, you are required to block fraudulent information from my credit report within XXXX business days of receiving this request and all necessary documentation. Please confirm in writing that the requested items have been blocked within the required timeframe. If any additional information is required to process this request, please notify me promptly so that I can provide it without delay. I appreciate your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these fraudulent accounts from my credit report. I have attached supporting documentation, including Identity Theft Report that verifies the fraudulent nature of these accounts, as required by the FCRA. Additionally, I have enclosed copies of my government-issued ID, proof of address, and any other documents necessary to validate my claim. In accordance with the FCRA, I respectfully request that you block this fraudulent information from my credit report and notify all relevant parties of the action taken. I understand that you have a limited time frame to process this request and to confirm that the fraudulent information has been blocked. Please confirm the successful completion of this action in writing. Thank you for your prompt attention to this matter. I look forward to your response and the removal of these fraudulent entries from my credit file. Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Debt collection

XXXX XXXX, branded as XXXX, wrongfully sent the collection of debt, for equipment that was confirmed received by XXXX. 

Evidence of XXXX confirming receipt attached. 

Debt collection sent to MRS Associates.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX Account XXXX # XXXX has violated my rights.

15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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 any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX  and Equifax. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY BANK CREDIT CARD -- CHEVRON/TEXACO GAS CARD ACCOUNT XXXX ONCE AGAIN SYNCHRONY BANK HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... .IN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX XXXX  I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the 30-day timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Product: Money transfer, virtual currency, or money service

So I posted two transactions through venmo, it was payment for a rental beach property. 
The first payment was for {$1500.00} on XXXX XXXX to a XXXX XXXX 's and the second payment was sent on XXXX XXXX in the amount of {$300.00}. I was given this information from the contact person, XXXX XXXX, phone number XXXX, email XXXX, this person was the one stating was the owner of the property or manager. When it came to the day of check in XXXX told me to call and he would meet me at said property, but when I called he did not answer. When I got to the property it was already occupied. When I figured out that this was a scam, I filed a police report and filed a report with my bank and canceled the card. I also filed a dispute with venmo stating that this was a fraudulent charge, and then today o got a response from venmo stating that they closed my dispute without asking for supporting documents or questioning me.
Product: Checking or savings account

On XX/XX/XXXX, I checked my US Bank XXXX app. I noted that there were two sizable withdrawals that I did not authorize from my checking account XXXX account number ending in XXXX ). One was in the amount of {$10000.00} and the other was in the amount of {$7500.00}. I called the XXXX number on the back of my US Bank debit card and spoke with a representative. The representative told me that she would make notes and start an investigation but I would need to call the US Bank fraud liaison department ( XXXX ) the next morning ( XX/XX/XXXX ). The following day I called the US Bank fraud liaison number and was on hold for almost 45 minutes and did not speak with anyone. I drove to one of the local US Bank branches located at XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX. I met with worker XXXX XXXX and explained my situation. XXXX XXXX had my wife and I sign affidavits attesting that neither of us authorized anyone to withdraw these sums of money. XXXX XXXX also had my wife and I sign a customer statement. The branch manager told us that she received information that the US Bank location where the withdrawals occurred was in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX ). 

My wife and I have called and spoken with the US Bank Fraud Liaison center almost ten times and we keep getting the runaround and different answers about the circumstances of what happened, how long investigation with take, whether a provisional credit for our funds can be issued, what documents my wife and I need to submit to US Bank to assist investigation, etc. 

On the day that the withdrawals were made, I was working in XXXX, Oklahoma and my wife was working at her job in XXXX, Missouri. Apparently the person or persons who withdrew the money used an identification in the name of " XXXX XXXX. '' XXXX was my spouse 's maiden name, but she has not used that last name or identification with that last name since XXXX of XXXX, which is when we became married. 

On XX/XX/XXXX, my wife and I also filed a police report with the XXXX Police Department ( Case Number XXXX, report taken by Police XXXX XXXX, XXXX XXXX, XXXX, extension XXXX, XXXX XXXX. 

To this date, the funds have not been returned to my account by US Bank. 

Any assistance would be greatly appreciated.
Product: Debt collection

XXXX XXXX XXXX  is trying to collect a debt from me on behalf of Cashnet USA. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.
Product: Debt collection

Check into Cash states that I owe them {$1100.00}. At the time the dates are listed, my bank account information was stolen. I honestly do not remember this transaction.