23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted " XXXX '' for pest control services for mites that are in my house. For about 3-4 years I have had problems with these insects and used various pest control companies. to apply chemical application, which did not rid the house of this pest. Tech from " XXXX '' came by and performed inspection and sold me the idea of " Thermal Heating '' a service that was " Guaranteed '' to kill all nuisance ( mites ) insects in the entire house.. The price for this service was expensive, but for the results guaranteed, I was willing to spend the money required : {$1000.00}. Note : This insect has caused me and others ( validated by medical records and individuals that have visited my home ) health problems and over the years had to stay in hotels at various times to regain my health to go back to my home. In paying for this transaction, I used my DISCOVER card to pay for this service. In retrospect the " Thermal Heating '' did not work, resulting in me going to hospital for XXXX and hotel stay. Contacted the company " XXXX '' immediately on problems and for several days did not respond. I had asked prior to service the warranty and was told they warrantied there service and guaranteed their work. Finally they sent a Field Manager out to review the property and I met with her and offered her a bug glue trap to take and have it looked at by an scientist of insects to perhaps validate the bugs on the trap. The trap was taken and to date have not gotten any results of the trap, followup call on warranty service ( re-do ) or any plan of action for resolving this matter. So after the first week of contacting said above company on this matter, I contacted Discover to dispute this charge. I sent Discover pages of documents per the ( FCBA ) to validate charges for goods or services not delivered as agreed, services not given as described and finally " Warranty '' for services promised but not delivered. Discover sent a vague letter XX/XX/XXXX, that they could no longer continue this dispute, unless I had additional information. XX/XX/XXXX, I sent additional information, disputing this charge. In validating legally the infractions this company made per this service I contacted the State of Georgia Agriculture Department who licenses this service, who reviewed the file per my case and wrote up XXXX violations by " XXXX. '' In the meantime, I received another note from Discover ( in my account file ) that in turn stated that they would not reverse the charge. I called Discover and told them of the State findings of violations and would it make a difference to send it to them and would they re-review the case and the agent stated yes. To Date, they have not and still are demanding a payment on this account immediately. Discover has not to date disclosed " why they will not reverse the charge '' specifically in writing ; nor given me any documents validating their decision,.,
Product: Mortgage

" I am submitting another complaint because I could not upload all the documents ''. 

This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX. 

ATTACHMENTS Image ( 12 ) .jpg ( 418.3 KB ) Image ( 13 ) .jpg ( 373.4 KB )
Product: Checking or savings account

The CitiBank fraudulently kept charging my accoount monthy service bogus charge fees that has never been disclosed to me upon opening my account in person at the branch. Few times I asked the branch assistant manager about possible recurring account monthly charges every month, she stated ''NO '', moreover she rest assured me about free of charge type of the account the way it was set up. The bank deceived and defrauded me by committing evident consumer fraud. I am surprised on most of banks and creditors predatory practices that are literally operating out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX  XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
Product: Mortgage

when covid hit i was approved for mortgage forbearance from XX/XX/XXXX to XXXX XXXX i started making payment in XX/XX/XXXX, and was approved for the balance due on my loan to be put on the end of the loan. I started the process in XX/XX/XXXX and was approved in XX/XX/XXXX. I was at that time told it would take 4 to 6 weeks to process my paper work. it is now XX/XX/XXXX and every time i call Citizens One, which is my mortgage company they tell me it is in process and should only take a week or so, it is now 5 months later. every time i call is sounds like the clerk is reading from a script and nothing is being done to process my loan as they have told me was going to be done. i have asked to speak with a supervisor and they will not transfer me. i want to refinance my loan and i can not because Citizens is showing me past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank # XXXX First XXXX Bank # XXXX XXXX XXXX Collection # XXXX XXXX XXXX XXXXXXXXXXXX XXXX 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.

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 XXXX noght 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: Credit reporting or other personal consumer reports

A former room mate of mine has used my credit without my permission to get accounts. I have completed the dispute paperwork for these accounts. I know there is a lawsuit right now saying that the bureaus are not completing the disputes correctly. I want to make sure my dispute is done properly since I have completed the proper forms.
Product: Checking or savings account

I was advised by a Amegy Bank Customer Service Agent on XXXX 2023 that there was no time limit on Business Accounts to file a dispute, ** ( Business Account Ending in XXXX ) filed a dispute on XX/XX/2023 on 2 amounts from the same merchant one for {$4800.00} and one for {$3900.00} on XX/XX/2023 I emailed all documents concerning the transactions including a receipt showing that I paid the {$4800.00} transaction by other means which should not have been billed to my card, I was granted a temporary credit on the {$3900.00} amount and was informed that the {$4800.00} was denied by XXXX  due to the time limit of 120 days had expired to file a dispute, informed the bank that I filed the dispute past the time limit because the agent informed me on XX/XX/2023 that business accounts had no time limit to file disputes, bank 's the bank is saying that they can see the call I placed and the notes put hey are unable to access the actual recorded conversation with the agent any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported on HireRight that I had a " Backing  '', " accident/incident '', that was " preventable '', in XXXX NC, on XX/XX/2019. 
This is a lie. 
1 ) The only thing that was preventable was ; XXXX sent me there. They didn't have to. The facility itself admitted that insurance fraud is a bad problem there. 
2 ) There was no backing  incident. 
3 ) This was attempted insurance fraud. Period. 
4 ) XXXX 's dash cam shows the driver wasn't even there when I showed up. No truck was backed up to that trailer when I showed up to back in. He showed up when I was mostly backed in. ... The guy shot his mouth off to the cops about him being there the whole time. Backed up to his trailer. Honking his horn. Yelling at me. It's all a lie and XXXX 's dash cam proves it. 
5 ) I have already provided plenty of pictures of both his trailer and mine. No way my trailer  could have caused the damage he had on the side of his trailer. And existing damage does not match up. XXXX knows this. They have the pictures. Also there is no way the flat side of a trailer door could have done the damage he had on his trailer period. 
6 ) This is nothing but libel. Safety Department trying to get back at me. I was requested to issue a letter after I quit. I told them that XXXX is a XXXX XXXX. He refused to give me the dash cam video from a wrongful ticket. I had to prove my innocence with that judge. He wouldn't give in otherwise. That's why I quit.
Product: Debt collection

I was reviewing my credit report and Portfolio Recovery ASSOC account was listed on my report and I reached out to this company to provide me details on this account and they were unable to verify my information and I never received any notice from this company. 

I do not have any contracts with this company they should not be reporting on my credit file without verifying that the account and balance is accurate and is truly mine! 

I share same exact name as my father and son and they were unable to verify my information correctly via telephone and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information and I have no contract with this company and they are on my credit report and they didn't even send out any notices pertaining to this account. 
Unfair! 
Against the law! During a global pandemic even worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a mortgage with XXXX XXXX XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because XXXX XXXX placed derogatory credit information with Trans Union. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to XXXX XXXX during the time reported to TransUnion, I found that XXXX XXXX was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with Transunion in XX/XX/XXXX. 

On XX/XX/XXXX Transunion returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, Transunion updated the information on my credit report, pertaining to XXXX XXXX account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting Transunion 's disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to XXXX XXXX is not in service. 

XXXX XXXX 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when XXXX XXXX increased the amount of months reported past due to Trans Union. My credit score has substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.
Product: Credit card or prepaid card

For at least 7 days now, Comenity has been down. I ( and most others ) have been unable to access our account. I can not download statements, make payments, etc. Comenity has not reached out to any customers. They are tweeting the same regurgitated responses about a system update. They claim that the phone number on the back of the card works, when it doesnt. There are technical difficulties. They are also only waiving fees for late payments due on XX/XX/XXXX & XX/XX/XXXX, when the system has been down longer than that.
Product: Debt collection

Im working with a debt resolution company called XXXX XXXX XXXX XXXXXXXX. Citi card is one of my debts I have enrolled to pay off. Ive been enrolled in this program for over 6 months & I make monthly payments to them. Citi calls me multiple times a day and leaves voicemails. Citi calls me 7 days a week from different phone numbers which Ive blocked. Ive contacted Citi multiple times & explained my financial situation and Im working towards paying them off. Ive given the ACCS phone number to verify my enrollment in the company, yet the calls continue. I called Citi again yesterday XX/XX/XXXX & reiterated my situation and a representative told me to get a power of attorney statement & send it to them. I told the representative that if I could afford an attorney I wouldnt be in a debt resolution program. Ive been dealing with Citi never ending harassment for over 6 months. It is nerve wracking at this point. Im a senior on a fixed income and Im doing my best to resolve my debts. I simply want the volume of phone calls and voicemails to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I have disputed the late payments XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate bankruptcy report immediately.
Product: Credit card or prepaid card

RE : Discover Credit Card acct ending in XXXX ; with unauthorized uses, requested a " cease and desist '' Discover refuses and continues to call me 3-4 times every day. 
Summary of facts : - I opened a Discover card in XX/XX/XXXX account ending in XXXX, - I used this card one time in the first month i received it -This account was paid off completely and never used by me or anyone I authorized. 
- I had actually forgotten I even had the card But then : - a month or so ago I began receiving collection calls from Discover, I informed them this was not my charges to please stop calling, - Discover never stopped calling, they call me 3 to 4 times every day - I am not home, due to work from XXXX to XXXX - I am XXXX yrs old, with a XXXX XXXX among other illnesses and exhausted - On XX/XX/XXXX ( Saturday ) after receiving more calls that day, talked to Discover, the representative said I owe over {$5000.00}, I again informed the representative these charges were not mine. 
-I was transfered to someone else, I believe from fraud dept. 
- NOTE : the Discover rep never asked me verifying information - We went over charges and they informed me which accounts have been used to make or attempt to make payments _I was very surprised I was able to obtain all this information without providing the necessary information to identify who i am. So i am thinking, maybe this is how whoever did use my Discover account was able to put on this charade for so long. 
- PLEASE : I implore you to listen to the call on XX/XX/XXXX- It was record and incase Discover tries to claim they do not have this recording. I did record most of it myself and would be happy to give anyone access. 
- What surprised me more was although I informed Discover these charges were fraud or ID Theft. They never considered filing a report. 
- Discover rep even admitted to me mistakes they made - I have disputed this account as part of ID Theft and requested it this trade-line to be deleted or blocked from my credit report -Discover has refused to do any of this or anything they a required to do under the law. 
-Discover is reporting the account as negative on all my credit reports - I am again demanding a CEASE and DESIST with this account and Demanding it be removed from my Credit reports. 
- Having negative information on my credit report jeopardizes my employment. My employer pulls my credit report at least 2x every year and always near the end of the year. Therefore, I am in immediate risk of losing my job and at my age that would destroy my life. 
-I Must work 4-5 more years to have enough to live on through retirement. 
- I have never missed a payment on any account that is mine in my life. 
THESE CHARGES DO NOT BELONG TO ME AND DISCOVER WILL NOT STOP HARASSING ME AND IT IS HAVING AN IMPACT ON MY PHYSICAL HEALTH. 
I just do n't understand why Discover will not follow the law, they know what the law requires.
Product: Checking or savings account

XXXX XX/XX/2022, is when the charges began on the checking account in the amount of XXXX dollars. Unfortunately I did not notice the money was gone as we were visiting family in Missouri. the charges were completed and authorized in the state of New York. I have provided Plane tickets with time/dates with both my wife and myself stating we were in MO at the time of these transactions. once the official fraud claim was denied I then went to headquarters to file an appeal and the paperwork was routed incorrectly which put the a appeal another 10 days past. Navy Federal has been unprofessional from the start, I have called numerous times to get a status or to have the appeal worked and they only tell me to wait longer as I'm in que. Once again the claim is black and white I have never used XXXX XXXX XXXX. This money is used yearly for my daughters daycare enrollment fee. Someone committed fraud on my bank card but i feel as navy federal is not protecting me as my bank. I had a similar situation with XXXX a few years ago and it was handled within the week. I have already moved my direct deposit but now currently waiting for the funds to be reversed. Please help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I believe that my mortgage and Note ( debt ) was purchased from XXXX XXXX XXXX XXXX XXXX by XXXXeopold & Associates, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Leopold is a debt collector. 

My foreclosure case, Index XXXX, in Supreme Court, XXXX County New York, was Voluntarily Discontinued in XX/XX/XXXX. In XX/XX/XXXX, I was served with a second attempt at foreclosure by Leopold & Associates, who was listed as the Attorney of Record, not the Plaintiff. XXXX XXXX XXXX XXXX XXXX was listed again as Plaintiff. They had to be since it was a continuance of the first foreclosure attempt, but I have reason to believe that, at that time, Leopold had bought my debt/mortgage and Note. I would like a simple " yes '' or " no '' from Leopold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
XXXX XXXX XXXXXXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXX XXXX XXXX, Account # XXXX, date opened XXXX XXXX h

as 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.