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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

I have a line of credit with Care Credit for a XXXX bill years ago. I was not told at XXXX office I would be charged 26.99 % interest after their promotion ended. I have paid {$110.00} last month and {$63.00} of that payment went toward interest. Therefore my balance is staying the same year after year. I am at poverty level of income and can not afford to pay anymore than what I currently pay every month.
Product: Debt collection

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Checking or savings account

I opened a Rewards Checking account along with a personal credit line with Upgrade, after clicking through to this offer from XXXX XXXX : https : //www.upgrade.com/funnel/pcl/preapproved? utm_source=credit_karma_card & utm_medium=partners_linking & utm_campaign=ita & utm_content=rcwb500 I completed all the requirements ( including the three debit card transactions ) on XX/XX/XXXX, but did not receive the {$500.00} bonus. 

I finally emailed on XX/XX/XXXX to ask when I would be receiving my {$500.00} bonus. After not hearing anything for 11 days I emailed again on XX/XX/XXXX. 

A customer service rep named XXXX XXXX  from Upgrade responded that I would have to phone " Due to the nature of your request and for the security of your account ''. 

I phoned and spoke with another customer service rep on XX/XX/XXXX. 

I was told that the {$500.00} bonus offer was " not guaranteed '' and that " not everybody who fulfills the requirements will earn it ''. 

He confirmed that I had indeed opened the XXXX  Checking account and performed 3 debit transactions and was eligible for the bonus but there was " nothing he could do '', and " no way to run this up the chain ''. Despite my following all the steps and fulfilling the requirements that I would not receive the bonus and that I had no recourse. 

He directed me to the www.upgrade.com home page and told me to read the fine print on the bottom. He said it was all laid out there that this was " only an offer '' and that " not everybody who completed it would get it ''. He said it was " a XX/XX/XXXX chance '' whether or not you received the bonus. 

I read through all the fine print and nowhere does it state that once the requirements are met that there was still some arbitrary process of approval or non-approval. It states the following : " ** To qualify for the welcome bonus, you must open and fund a new XXXX  Checking account and make 3 qualifying debit card transactions from your XXXX  Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade XXXX  Debit Card Agreement and Disclosures for more information. Your Upgrade Card and XXXX  Checking account must be open and in good standing to receive a bonus. If you have previously opened a XXXX  Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers can not be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the XXXX qualifying card purchase. '' I emailed XXXX XXXX again on XX/XX/XXXX asking if the information I'd been given over the phone was accurate, as it felt like a bait-and-switch given that I had complied with all requirements and was then denied the bonus for no reason. 

I have heard nothing further from Upgrade.
Product: Credit reporting or other personal consumer reports

About a year ago, I discovered that I am a victim of identity theft again. I found out that someone unknown to me somehow, they found my personal information and had used it by changing my address and phone number to get a few credit cards, including the one from WF/XXXX XXXX. I immediately filed a report on identitytheft.gov and sent a copy to all the major credit bureaus and I also sent a copy to the original creditors. They took the items off and then back on again. I sent a letter to WFXXXX XXXX and requested again this item does not belong to me and close the account and remove it from my credit report. As of this day, I have not received anything back. That is what brought me here today. Please help me to resolve this stressful situation.
Product: Credit reporting or other personal consumer reports

I closed on my primary home located in XXXX XXXX XXXX XXXX, XXXX TX XXXX. My original lender is ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX. On XX/XX/XXXX I recievd a notice stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred, effective XX/XX/2023. This means after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX is now collecting your payments. XXXXXXXX XXXX XXXX XXXX XXXXXXXX will stop accepting payments received from you after XX/XX/2023. 
XXXX XXXX XXXX  will collect your mortgage payment going forward. Your new servicer will start accepting payments received from you on XX/XX/2023. Please be advised that any optional insurance or ACH drafting will be cancelled as of the transfer date. You may contact XXXXXXXX XXXX XXXX to set up new payment drafts. Please notify any third-party payment agencies or government allotment service of the change in servicer. 
Send all payments due on or after XX/XX/2023 to XXXX XXXX XXXXXXXX at this address :. 

I Contacted XXXX XXXX services to mail my payment and I was informed that they can't find my file in their system so they will not be able to process any payment. 

XX/XX/XXXX I got a call from a company called BSI Financial Services saying my loan payment is 30days past due, prior to XX/XX/XXXX I didn't get any bill statement from these company or knew they existed. I told the customer service rep I didn't get any letter of acknowledgment from their company and she informed me that they sent the letter to my old address and she informed me that they wouldn't report late payment on my credit report since new account has 60days grace period, it turns out that she lied as my credit just got affected drastically due to them reporting late payment on my report about payment I never received a statement for or knew existed with their company. Company like this take advantage of customers and they need to be brought to compliance. I have attached the letter I got from my first lender and the letter from BSI showing they sent the welcome letter to the wrong address and didn't make any attempt to contact me by phone or anything.
Product: Credit card or prepaid card

I sent a letter regarding a debt collection attempt for Comenity Bank/ XXXX XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Comenity Bank.
Product: Checking or savings account

My credit karma card was locked because they suspected fraud nothing that I called in personally something they said I signed up for but I was unaware. I only use my card once a month..on XX/XX/XXXX when my money is normally available on my account I tried using my card at the XXXX  gas station on XXXX in XXXX Virginia it was declined because I entered the wrong pin.I changed my pin thru the app I tried to get gas it declined once again I get an email saying someone was trying to withdraw XXXX $ from my card so I kind of ignored it cause Im standing at the gas pump trying to get gas with my card in hand. I knew that email wont the truth.Next I went to XXXX and try to buy a couple of items my card declined once again thats was the final draw so I called CREDIT KARMA to see what was going on thats when they transferred me to the fraud department Im like fraud so when someone from the fraud department get on the phone she demanded I answer questions about something I knew wont no fraud attempt and treated me as if I was the fraudster. I refused and linked my cashapp card and used that until my card was cleared fast forward to the day b4 my expected deposit which was the XXXX of XXXX I called again to clear the suspected fraud transaction after I cleared them the agent told me she was unlocking my card I hung up phone on her.The XXXX come my account is still locked and no deposits available on my account so I called back they tried telling me three times that my account was unlocked but clearly it wont because I can see from my online account that it wasnt. I informed her I could see that it wont unlocked and I asked to speak with a supervisor she put me on hold as if she was looking for a supervisor she got back on the phone and said there was no supervisor on the floor at the time so she will help me then boom my account is unlocked I said thank you miss but I have one more question? WHEN WILL MY TWO DEPOSITS IM EXPECTING TODAY WILL BE AVAILABLE ON MY ACCOUNT SHE ASKED THE AMOUNT WHICH I TOLD HER SHE SAID YES I SEE THEM IT CAN BE ANYTIME TODAY JUST KEEP CHECKING UNTIL END of day which I did as well as call every two hours just for other reps to tell me they did not see them here it is the XXXX XXXX am and still the same thing.PLS HELP ME WITH THIS SITUATION ITS NOT FAIR IM A SINGLE MOTHER OF XXXX CHILDREN AND ONE ON THE WAY MY TV IS OFF BECAUSE OF THIS MY KIDS HAVENT BEEN ABLE TO DO THEIR SCHOOL ON tHE COMPUTER BECAUSE THERES NO INTERNET I HAVE NO FOOD AND NO HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX av XXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX Received call from someone @ FCB ( XXXX ) saying they're closing my accounts. 
Went to branch, withdrew my money. 
Unable to download account statements, two disputes outstanding. 
Called C/S to ask for help, they've blocked my number. 
Called with *67. first agent kept talking over me, demanded supervisor. Got to supervisor, talked a bit, she hung up on me. 
No longer able to login online.
Product: Mortgage

When COVID happened I was laid off and enrolled in the home loan forbearance plan through new American funding, which was supposed to defer my loan payments and place them at the end of the 30 year fixed term. I am now receiving bills in the tens of thousands of dollars and contacted new American funding. They have stated that I am being charged additional interest per month that I do not make a payment. Approx $ XXXX/day. I was NEVER made aware of this additional interest, and could have borrowed the money from a bank for less than this amount had they been transparent about it when I enrolled in the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to lexis nexis letter regarding a public record error on their report. On XX/XX/XXXX I sent in  documentation via email about the false information they said about calling the court because I called myself and they answer was different from lexis nexis. I was told I would get a response in 24 hours and have not heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Thunderbird Collection Systems and their attorney XXXX XXXX XXXX filed a lawsuit against me for debt to XXXX XXXX XXXX, and never provided any information as to what debt was until ordered by judge. Upon receipt of information ( from court, not collectors ), it was discovered that these charges stemmed from Medicaid and an Industrial accident claim. 

Rather than backing off and fixing it, they have continued to pursue this, offering me to settle for {$1500.00}, unless I force the hospital and insurance company to reconcile it myself. I have lost over {$2000.00} in income from this with constant court appearances.
Product: Mortgage

- My mortgage was transferred from XXXXXXXX XXXX XXXX to Sun trust around XXXX XXXX. 
- I signed up for online account access around XXXX XXXX as well as setting up for automatic payments through the Sun trust Website. I received email confirming this. see attachment - I received a letter Dated XXXX XXXX stating that my auto payment will be processed starting XXXX XXXX on the 1st of each month. - See attachment. 
- on XXXX XXXX i received email from Suntrust specifying that the payment was received, see statement. 
- on XXXX XXXX my bank ( XXXX ) showed a transaction showing an ACH withdrawal to Suntrust for my XXXX payment - see attachment. 
- on XXXX XXXX my mortgage statement showed that the payment was processed on XXXX XXXX. - see attached statement. 
- I stopped payment on check # XXXX from BIll Pay on XX/XX/XXXX from XXXX to XXXX XXXXXXXX XXXX for XXXX payment since this payment was not needed at XXXX. This check is ADDITIONAL to the ACH withdrawal that has cleared since XXXX XXXX - showing on my account on XXXX XXXX. 
- XX/XX/XXXX I received an email from Suntrust that my account is delinquent and i have been assessed a {$55.00} late fee- see attached email. 
- XX/XX/XXXX I have spent over XXXX hours on the phone trying to resolve this situation both with Suntrust and XXXX. XXXX confirmed that my payment via ACH withdrawal has been posted since XXXX XXXX and they have GUARANTEED that a stop payment on a specific check does not affect a previous ACH withdrawal. 
- I have reached a stopping point with no more progress after speaking with 6 representatives at Suntrust that can not fix the issue. I have spent about 3.5 hours just on the phone ( records available upon request ) - I am 10 days from my perfect credit being affected by the negligence of Suntrust.
Product: Credit reporting or other personal consumer reports

I have about XXXX different student loans that is currently with XXXX/Dept of ED ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with XXXX and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I read my consumer report from Equifax, and there was a XXXX on my consumer report. On the report, it states, " the account was open in XX/XX/XXXX the credit limit was {$5300.00}, and the last payment was on XX/XX/XXXX ). In addition on the report, it has an incorrect account number, and the phone number ( XXXX ) is from the XXXX XXXX XXXX ) and the address of XXXXXXXX XXXX is erroneous as well. 

On the same day, I contacted XXXX XXXX to investigate the alleged debt. The customer service rep has informed me that the account was closed on XXXX. I wrote a dispute letter to Equifax to confirm the account was closed due to the statute of limitation in Ohio has passed. The account needs to be removed from my consumer report. I wanted additional information to verify if XXXX had a signed contract with me to furnish any information regarding my Consumer Report of this account. " According to US 6802 ( Obligations with respect to disclosures of personal information ) financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ''. 

The dispute letter came back within 30 days, but Equifax sent another consumer report from XXXX XXXX. Above the report, it stated, " the dispute has been verified as accurate, and the account has not been closed. On XXXX, XXXX XXXX, I called Equifax ( Dispute Division ) and spoke with XXXX. I called to acquire how the account is open when I talked to XXXX XXXX, and they confirmed the account was closed, and I asked him where the document shows XXXX 's has the right to furnish information to my consumer report. According to XXXX, XXXXXXXX XXXX does not need to provide this type of information but requested me to call XXXX XXXX. On the same day, I contacted XXXXXXXX XXXX and spoke with XXXX, and XXXX confirmed that the account was closed and the account number listed was incorrect. Per XXXXXXXX XXXX, there was no line of communication regarding the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with a dispute that I submitted on XX/XX/2022 with Transunion, XXXX, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.
Product: Credit reporting or other personal consumer reports

Hi i wrote each company on my reports asking for a investigation, I also wrote each credit bureau asking them to conduct an investigation. I have hard inquiries, collections, closed and old accounts that I have asked to be removed due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that you all can help me. 

On XX/XX/21 I sent a letter about some inaccurate and Unknown items i seen on my credit report its been all most 30 days later and i haven't heard anything. I feel everyone invloved is taking advantage of me and nobody cares about my disputes. Section 611 ( a ). plainly says that a failure to investigate within 30 days gives a reason to immediately remove the items from my credit report it has been almost 30 days but nobody has updated me so they should be deleted acording to the law. I demand these accounts be deleted immediately or I will have no choice but file to go into litigation due to all of the stress everyone caused me. Completely messed up my credit and i have to pay way more than i should be paying in interest. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.