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

Comenity Bank has taken over account from XXXX  XXXX XXXX for XXXX XXXX. My account was closed with Bank XXXX XXXX so when the transfer happened i was not to be issued a card with Comenity. I have been trying since the conversion to get online access so I can easily monitor and manage my account balance. I have been made numerous calls to Comenity to get online access. They even one time send me an email with to give my my number, but the email was to a secure online portal on my account that I can not acces. I have been given a total of three different account numbers that do not allow me to register for online access. I want to have online access so I can set up automatic payments, monitor my account and make extra payments as I choose. The latest correspondence is a letter dated XX/XX/30 with an account number that I am to use to make payments, again not able to use to set up online access. I called, requested to be transferred to the US and talked to an XXXX who informed me this number is incorrect, the last 4 digits is correct, but the beginning is incorrect. She also informed me that I would never be able to have online access because my account is closed. When I told her that was unfair, she said I can't hear you and the call got disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : TRANSUNION DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet TransUnion still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet TransUnion lists a past due of {$370.00} on this account. How is that accurate?
Product: Credit card or prepaid card

I have been a trusted member with capital one since XXXX. I have always made payments on time and most of the time I have paid in full. I requested an increase in XX/XX/XXXX and did not receive a response as to why my limit has not been increased. Upon submitting my request to increase I explained that I wound be making a major purchase in the future as well as using the card for travel. They have not provided me with a reason why via mail. The increase was never given and has not been reviewed. Today I am traveling and went to rent a vehicle and was turned down because my limit was not enough to be able to rent the vehicle. After being embarrassed I called to ask for a XXXXXXXX XXXX increase to cover the cost and was told there was nothing that could be done on their end. I have been with capital one as a customer since XXXX which is a considerable amount of time with on time payments and an XXXX score with very low debt to income I believe capital one is being bias towards me. I am submitting the complaint and would like an explanation from them regarding this unjust treatment.
Product: Debt collection

XXXX XXXX is trying to collect a debt from me and my daughter.
Product: Checking or savings account

At one point i had thousands of dollars in my account. They froze my account while i was away from home and i had used XXXX to get there. I was then stranded amd forced to walk 7 miles home. Later then it seemed i was getting charged a bunch of fees despite using my account the required number of times to avoid the fees. I then attempted to close the account and they refused. Since i could not close my account, they comtinued to charge me overdraft fees once my money was no longer in the account. I then tried to open a new bank account with another bank. Because they had overcharged my account roughly XXXX dollars in fees, I was forced to give them XXXX dollars in order to finally close the account in order to open a new account with a new bank.
Product: Checking or savings account

I am citibank customer for more than 20 years since we live in Florida i had a fraud case in my account number XXXX beginning of XX/XX/2023 that i call and reported While they deposited back after i issue two more complains with your bureau the fraud money they block my account since mid XXXX In the mean time a failed to pay my mortgages credit cards and destroy my credit after several and many hours speaking to various representative in Citibank a very nice lady agreed to send me the remaining funds in my account thru next day delivery by XXXX and she give o me the tracking number XXXX tracking XXXX This call was XX/XX/XXXX and since then I receive nothing I call again and i spend hours of my working time to tell me that I have to call again Friday I reserved my right for future claims against Citibank for all the hours i spend in the phone the interest rates that i pay in my credit cards the late fees in my mortgage 's and the credit damage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my Equifax credit report that are not mine and I didn't approve them. I have contacted the creditors and equifax about removing them and each one tells me to call the other. 

List of inquiries that do not belong to me : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

On XX/XX/year> a request was submitted to First Community Mortgage ( FCM ) for a mortgage payoff letter. This payoff letter is required to refinance my mortgage with a new lender. This letter was received incorrectly starting an escrow disbursement which exceeded the current escrow balance in the estimated amount of {$5200.00} therefore increasing my total payoff by that amount. I immediately contacted them about this figure, they initially stated it was for a property tax bill. I informed them that we do not owe any property taxes and provided a statement from the county treasurer proving no taxes owed. I was then transferred to several different departments to resolve this issue. No resolution was given. FCM continued to claim it was for property taxes but would not provide proof of this discrepancy. I called no less than 10 different times over the next several weeks trying to resolve this issue, spending several hours on phone calls. I was hung up on several times. My lender and the title company handling the refinance called FCM several times to help resolve the issue, both were hung up on. I missed my first 2 closing dates due to this issue. Finally, during a phone call a representative from FCM admitted it was a mistake on their end but refused to remove that balance from the payoff letter, no explanation was given. On XX/XX/year> I was forced to pay this additional {$5200.00} in order to close the re-finance. This issue has not been resolved and FCM is unwilling to resolve the mistake made on their end. This {$5200.00} has been withdrawn from my account and is being held hostage at the title company waiting for a resolution.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX OF XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I contacted Plaza Home Mortgage to ask for a payment deferral as I had lost my job. Plaza indicated that payment deferral was a loss mitigation option that they offered. On XXXX/XXXX/16 I submitted a loss mitigation application which kicked off a 1 & 1/2 month vortex of Plaza claiming I did not send them various documents and me trying to get them what they needed. It was so frustrating that I filed a CFPB complaint XX/XX/XXXX because it appeared that XXXX was either very incompetent or just giving me the runaround. Nothing became of that CFPB complaint. Finally, on XXXX XXXX I was notified that my file was complete and submitted for review. On XXXX XXXX, I was notified that our loan was selected for servicing transfer and that we would need to contact the new servicer for any information. We contacted the new servicer and they stated that : 1 ) Payment deferral is not an option 2 ) They do not have all of our documentation transferred from Plaza. 
I find it highly suspect that within a week of my file being deemed complete that I get transferred to another servicer who does not offer the loss mitigation solution that we had been assured was an option. I also find it infuriating that they do not have all of our documentation. Finally, I find it very suspect that my loan got transferred after I filed a CFPB complaint against them.
Product: Mortgage

On XXXX XXXX, I received a notice from Bank of America , NA. Attention : Default Servicing, from the XXXX office. In all caps, it used legal titles of the loan successor, etc, and then in the bottom XXXX of the front page - in BOLD and CAPS " IMPORTANT RIGHTS FOR HOMEOWNERS NOTICE OF PRE-FORCLOSURE OPTIONS '' ( and continued with ... ) " You must respond within thirty days of the date of this letter to take advantage of your rights. IF YOU DO NOT RESPOND within thirty days, a notice of default may be issued and you may lose your home in foreclosure. '' ( there is more that follows ). The letter is dated XXXX XXXX - nearly XXXX of the time to respond had already passed by. 
I became panicked but had to wait to the following day to get through to Bank of America 's debt collection office. After review of my home equity line of credit, the agent XXXX ( employee # XXXX ) assured me there is nothing with the account that is cause for alarm or includes a threat of foreclosure. I shared with her my alarm and criticism of the format of the letter. I also thanked her for assuring me that my account was ok. 
Also on XXXX XXXX, I 'd missed a registered mail piece from Bank of America on the same day this letter had arrived. I picked it up at the USPS later on XXXX XXXX and found that this piece, for which I had to drive to the local post office and sign, was the EXACT letter I 'd received the day before.
Product: Credit reporting

i filed chapter XXXX XX/XX/XXXX but dismissed it XX/XX/XXXX XXXX says it stays on 10 years from XX/XX/XXXX but other reports from other agencies says it should go off in 7 years i read on internet also saying 7 years transition and XXXX already took it off what is the law for chapterXXXX
Product: Credit reporting

I have recently checked my transunion credit report and found a collection account listed on my credit report from some company called XXXX XXXX and the supposed creditor is XXXX XXXX. If you google XXXX XXXX this company is a FRAUD. I have had no dealings with such company. I have tried to odispute this with transunion however, they will not allow me to do so online and when I call I first get transferred to some person in XXXX XXXX. When I ask to speak to someone in the US I am left on hold because they claim " they are experiencing higher than normal call volume ''. 

If Transunion is going to allow some company to post a fraudelent account on my credit report they should at least have the decency to give me the opportunity to dispute this incorrect information with someone on the phone or online. They " claim '' that they actually do an investigation but this is a bogus claim. Now I am told by them that I have to file a police report to have this information removed? How about transunion do the right thing and report correct information?
Product: Credit reporting or other personal consumer reports

There is a wrong account showing a late payment payment in my credit report. This is a mistake an i need proof for this account as true XXXX XXXX XXXX with a late paymentI formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ Equifax, XXXX, and XXXX ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. Equifax says I have a 30 day late payment on XX/XX/XXXX, XXXX and XXXX says I have an on time payment.
Product: Credit card or prepaid card

This is the 2nd time I am reporting because I never heard from the company about the 1st time ( I also have called CPFB 3 times as I cant login ) and most importantly I now have all my reciepts, statements and proof of payments I made.

Home depot credit card services has somehow messed up the accounting on my bill adding the same purchase back on my bill after it was paid and then refusing to acknowledge the 2 letters with proof I send certified on XX/XX/XXXX and again in XXXX. I also requested copies of my statements for XXXX - XXXX twice and was sent a home depo ad. I called and got hung up on and then they said they did not recieve my dispute ( they did because they signed for it both times ) On XX/XX/XXXX my balance was {$68.00}. On XX/XX/XXXX I made a purchase of {$330.00} & on XX/XX/XXXX XXXX for XXXX. Total purchases for XXXX and XXXX plus my previous balance {$950.00}. I then returned 7 boxes of vinyl because I over bought too many on XX/XX/XXXX for {$170.00} then XX/XX/XXXX for {$64.00}. On XX/XX/XXXX a return for {$60.00} XX/XX/XXXX, {$60.00}, XXXX {$17.00} & XX/XX/XXXX for {$25.00} Total {$400.00}. 
I made XXXX payments in XXXX and XXXX. XX/XX/XXXX for {$200.00} and XX/XX/XXXX of {$150.00} .total {$350.00}. Take my purchases and previous balance {$950.00} minus refunds {$400.00} minus my payments {$350.00} .leaves me owing home depot card {$200.00}. 
I get my XXXX statement in XXXX of {$1200.00}. 
I had lost my card in XXXX so they issued a new one and put a balance transfer from account XXXX of {$700.00} then charged me again {$550.00} on account XXXX for my purchase in back in XXXX. What happened to all my refunds and payments which i will upload i have every single one. But i had to keep on paying this to avoid collections. I over paid by XXXX because they ignored both billing disputes I made 6 months ago and they are still charging me. What happened to they have to fix the dispute or at least investigate within 2 billing cycles or be fined? Its been 11 billing cycles 4 disputes and i havent got any response personally from them. They now owe me a lot of money since i now can proove it. People save every reciept and payment you make or they will just keep up this scam or whatever you want to call it ignoring a consumer and just keep billing and billing. Its insane how much work and time i have put into this and still no results just bill me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 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 item 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In deciding the outcome of a dispute Bank of American took {$75.00} out of my account triggering consumer protections under regulation E of the CFPB. 

Bank of America has adhered to none of those provisions in this incidence and with the activation of the 5 business day window of being required to honor most incoming charges it would have otherwise honored, it has demonstrated a purposeful disregard for the law. 

Moreover when management XXXX XXXX in Arkansas ) has been confronted with their lack of compliance they plead ignorance. 

In their current, active, and continuing illegal denial of legitimate incoming charges including those from XXXX, XXXX, XXXX, and XXXX Bank of American has caused me injury. 

This is an immediate problem causing me injury now and yet again when confronted, BOA management suggested I write a postal service letter. 

Rights delayed are rights denied and I request immediate and remedial action to fix the problems BOAs reckless disregard for the provisions of regulation E has caused.
Product: Credit card or prepaid card

For over a year now I have been making my payments on time, but for reasons unknown to me those payments would get sent back from Kohls to my bank account. Kohls hasnt been sending me any notices in regards to this issue and I dont find out until I try to make the next payment. At that point they send out a notice that I have late fees After I already spoke with them on the phone. And this happens every time. On XX/XX/XXXX I called and found out my bill due was over {$140.00}, I asked why and they told me late fees. I asked them to remove the fees because this on going issue isnt my fault. They were supposed to wave {$36.00} only and then I made a payment of {$110.00}. Today is XX/XX/XXXX and I went onto Kohls website and tried to make a purchase and I did not work so I called. It was then that I found out that my account was canceled my Kohls. I asked why and they told me late fees and that I could open another account. I asked to speak with a supervisor and have 10 minutes of asking I was finally transferred just to be told the same thing and that nothing can be done. This isnt right because every month I make my payments and neither my bank or Kohls will take any responsibility in the cause of my payments not going through. Its always a back and forth between my bank and Kohls and neither of them can find out the issue is. I honestly dont know what to do at this point besides report it to the CFPB please help me find a solution because I dont want this to mess with my credit when i have done nothing wrong. They should have informed me that they were closing my account when they were taking my payment information. Also I did not receive any notification about my account until Monday XX/XX/XXXX and there were two at once in the mail from a month and two months ago, they always send letters to cover themselves. The reason I so much in the first place is because they refuse to remove the late fees, on an issue thats their fault. Something should be done to find out why payments arent being received and theyre not doing that.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX 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: Mortgage

see # XXXX, base on our last communication with Nation Star dba/Mr. Cooper we regret to inform all parties involved that a resolution as NOT been reached. We have requested an appeal of the interest rate of 6.875 %. As of XX/XX/2018 this company has failed to do anything to assist us, besides answering the complaints. Regarding modifying our mortgage, the past due payments were placed at the end of the mortgage, increasing our loan balance. I received a call from a XXXX on XX/XX/2018 @ XXXX, responding to the modification returned unsigned. We have requested an appeal. This must be acknowledged. This person I spoke with sounded more like a trained collector. Nation Star or Mr. Cooper employees are not properly trained to address the dynamics of a mortgage, escrow, insurance, interest rates, etc. We were told that our interest rate could not be lowered, no explanation was given as to why. Each time we call, we are getting multiple representatives from various backgrounds and skills levels. Our POC is a person whose first language is apparently not XXXX, which is an insult to us. The person calling today name XXXX, did not share with me his position nor provide a last name. We regret being treated as second-class low-income citizens from a third world country. Modification documents were sent back unsigned, this was not a mistake.
Product: Debt collection

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts ASAP.