23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I engaged with my current loan servicer for a refinance because I was led to believe that I would be able to skip two mortgage payments. I did everything that was asked of me, and a closing date was set ( XX/XX/XXXX ). The day after signing all the documentation at closing, I was told that the loan would not actually close until a week later ( XX/XX/XXXX ), thus making me late for my current mortgage ( XXXX XX/XX/XXXX ). This puts me in the position of paying a three thousand-plus dollar mortgage payment or having a late payment go against my credit report ( plus fee ). I was misled and it feels like I am now being held hostage. 

I asked via email a number of times to ensure that I would not be late on this payment, and every time they said " if we close before the payment is due, you should be fine. '' And only after I signed the closing docs did I find out that the closing date was a week later than I was told it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.

Per settlement, All U.S. consumers can now get 7 free Equifax credit reports per year through 2026 by visiting  XXXX. 

I visited the above website to request my free credit report from Equifax, and was presented with 4 questions to verify my identity.

The answers to all 4 questions were not applicable to me, so I answered " none of the above '' for all 4, and was denied the report.

I thought maybe the computer had a glitch, so I tried again an hour later, and was presented with 4 bogus questions again. 
My wife also tried with her info, and also got 4 bogus questions. 
The questions appear to be randomly generated and don't apply to me, hence it is impossible to provide correct answers. 
For example, I was asked about my student loan even though I have been out of college for over 30 years, and never had a student loan. Most college students didn't need student loan in the XXXX. 
I was asked about my car loan from last year, even though I have not purchased a car in the past 10 years. None of these alleged accounts existed on my credit report, issued by Equifax electronic from 2 years ago. 

I suspect that Equifax is shying away from their responsibility to provide " 7 free Equifax credit reports per year '' by deliberately causing identity verification errors for the requester. 

From the same website, I passed identity verification from XXXX XXXX and XXXX very time. But failed with Equifax every time, after multiple tries. This is very suspicious.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

The AAFES Military Star Card account in question has been assigned to XXXX XXXX XXXX ( XXXX ) for collection. I have made multiple good-faith attempts to communicate with both AAFES and XXXX regarding the resolution and accuracy of this account. 

XXXX XXXX has explicitly stated that only AAFES is authorized to negotiate, validate, or settle the debt, while AAFES has refused to engage or take any action until after XX/XX/year> per TSI. This has created a deadlock in violation of federal consumer protection laws, where neither party is accepting responsibility for debt resolution, correction, or validation.

Additionally, the information being reported to the credit bureaus by AAFES and/or XXXX appears to be materially inaccurate, including discrepancies in balances, charge-off dates, and payment history. These errors have not been corrected despite disputes and repeated requests, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and failure to conduct a reasonable investigation.

No proper validation of the debt has been provided as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and credit reporting continues despite these unresolved disputes. 

The ongoing refusal to negotiate or correct reporting errors, combined with misleading and contradictory responses from AAFES and XXXX, demonstrates a lack of good faith and potential violations of the FDCPA, FCRA, and XXXX XXXX compliance standards.
Product: Debt collection

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX
Product: Credit card

Ive been communicating with Chase since XX/XX/XXXX when the new offer is XXXX points for XXXX spend USD. The old offer being XXXX points for XXXX USD spend. The card was opened XX/XX/XXXX. On XX/XX/XXXX the rep said they noted on my account XXXX points for XXXX USD spend and I spend an additional XXXX USD to meet the sign up offer. Its deceptive practice to deny the new offer when XXXX XXXX XXXX contacted them over XXXX  times as described below, including sending them a picture of me holding up the physical offer of XXXX points for XXXX spend. I am willing to accept the different of XXXX chase ultimate reward points if the offer can not be XXXX hotel points. 

XX/XX/XXXX ( Not XX/XX/XXXX as confirmed by XXXX XXXX today XX/XX/XXXX ) I spoke to the representative who stated they noted on my account that I will be able to spend {$4000.00} and received XXXX points the current going offer XX/XX/XXXX l received the credit card. I contacted customer service before I even received the credit card received card XX/XX/XXXX XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Spoke to a Customer service Rep who does not understand or was unable to see I sent a secure message with the physical mail in letter, the website promotion proof, and email showing proof of the offer. 

XX/XX/XXXX, XXXX contacted them only to be told the account couldnt receive nights. When the offer is for points not nights Attachments sent XX/XX/2024 below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX which is a branch of XXXX took over this debt in 2006 and because XXXX was not able to collect on the debt has now contacted Central Credit Services LLC to collect the debt that is too old to be on my credit file and was due to be taken off last year. Central Credit Services LLC is now contacting me to collect on the debt because XXXX has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.
Product: Debt collection

This company ( CBC ) repeatedly calls our business looking for people. We have told them that we are a school district and demanded they stop calling. Also reported them to the XXXX  last month. They are still continuing to call.
Product: Credit reporting or other personal consumer reports

I paid this account off and then closed it. They report the account closed but show a balance of {$980.00}. I disputed this with XXXX on XX/XX/XXXX, and on XX/XX/XXXX I receive an email that they investigated and found the account to be accurate.
Product: Debt collection

This is a catalog of women 's clothing and they issued me a credit card which I did not want. Then they kept hounding me with their catalogs so I broke down and ordered XXXX items, which when they arrived were the wrong size and cheap material, so I returned them using their instructions as to how to do it. I received an email from them stating they had received the items back, but instead of writing off the charge ( {$63.00} ) they issued a credit for me to use at any of their other companies, which I did not want and have not used. However they continued to leave the charge on their billing and have now added late fees and interest bringing it upto {$17000.00}! Comenity Bank took it over and have filed DELINQUENT notices on my credit reports! No money ever changed hands in this and I do not owe anything as I have no merchandise from them!
Product: Credit card

We attempted to rent a property from XXXX XXXX for a family vacation and paid in full upfront. We rented the property on XX/XX/XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. The full cost of the rental was {$3100.00}. After making the payment, the merchant required that we send copies of our personal credit cards and identification to an unsecured third-party platform for identity verification. This request raised concerns about sharing our Personal Identifiable Information ( PII ) with a startup that failed to provide a privacy policy or any information on how they would securely store and protect our data. 

On XX/XX/XXXX, they shared information about their check-in process. We immediately expressed our discomfort with this approach and offered alternative solutions for identity verification. However, the merchant rejected our suggestions, refused us access to the property, and would not refund our payment. At no point in the purchase process were we made aware that this questionable verification process was part of their business model, nor were we given an option to opt out. After multiple attempts to resolve the issue, the merchant stopped responding to our emails and calls, instead sending generic reminders to " check in '' for our stay. 

Below is a summary of our communication with the merchant, including key dates and exchanges : XX/XX/XXXX We called and spoke with a representative, who assured us that they would look into the matter. 

XXXX After not hearing back, we called twice and received an email instead. The email reiterated the same identity verification process we had already expressed discomfort with. In response, we reiterated our concerns via email, stating that we would not proceed with that process and suggesting alternative verification methods that would allow our PII to remain secure. Despite our efforts, the emails continued to follow an unresponsive toneencouraging us to upload our personal information, offering vague assurances about security, and refusing to address our concerns or compromise in any way. 

XXXX After receiving no resolution via email, we called the merchant twice but received no response. 

XXXX In an attempt to resolve the situation before escalating the issue, we called the merchant one last time before contacting our credit card company for a purchase dispute. Once again, we were unable to reach anyone. 

Given the lack of communication and resolution, we initiated a chargeback with our credit card provider. When we contacted Citi regarding the disputed transaction, they did not request any supporting information from us. Furthermore, we were not provided with any explanation for their decision to side with the merchant. We were neither given the opportunity to present evidence of the merchants wrongdoing nor any visibility into the inaccurate information the merchant may have provided to justify keeping our funds.
Product: Credit card or prepaid card

Bank of America is a predatory institution that lies, frauds, and deceives consumers. I have been trying to resolve this with the bank for over a year ( including in a phone call today ), but the bank is adept at wasting time, giving false information, and charging exorbitant fees from consumers. 

They said they reviewed my complaint, but have not provided the phone call records. Obtaining the phone records is essential in this case. 

In XXXX 2020, I made a call to the Bank of America Customer Service and was redirected to different departments, including the Credit Card Department XXXX I was calling to complaint that an automatic payment of my credit card bill was not setup by a local representative, although I had paid a visit to setup automatic payment. After reviewing my complaint and putting me on the phone line for about 2 hours, the people looking into my issue assured me that they would refund me the late payment fees and other fees charged because of the Bank 's mistake. I was told in the last few minutes of the call that in the next few working days, the refund would be made into my account. I called in again today to ask about why no such refund was made. Since XXXX till today, the bank has been still deducting fees from my account, which is contrary to what was assured to me in XXXX. Moreover, no refund has been made, and as a result, my credit card bill has kept increasing since XXXX. I called for more than an hour and asked the representative to go back and check the last few minutes of conversation from XXXX. But my request was refused. I was told that no assurance of refund was made, and that no refund would be made. I find this a gross violation of contract and trust. I have had to follow up for lengthy ( more than a couple of hours ) conversations, and have been lied to by the bank. I would like to request you to kindly investigate this issue, and compensate me for the loss.
Product: Student loan

To whom it may concern, I have been trying to set up automatic payments with XXXX  Heartland for two months now. I have been reliable on my payments now for nearly two years but when they switched to  a new website they keep " losing '' my information. I tried to set up automatic payments in XX/XX/XXXX and I received an email confirmation stating the following. 

Below is confirmation that your recurring payment has been scheduled/edited. Transaction Date : XX/XX/2017 Heartland ID : XXXX Organization Name : XXXX XXXX XXXX XXXX XXXX Product : Student Loans & Receivables Routing/ABA Number : XXXX Account Number : XXXX Account Type : C Total Scheduled Payment Amount : {$830.00} Scheduled Payment Date : XXXX of Every Month ( Starting on XXXX ) However, I recently received a letter from the company stating that I was 45 days late on my payments. I contacted customer service and they gave me the run around and said my XX/XX/XXXX information " did not save '' and offered me the option of a one time payment, which by the way comes with fees of up to 3.95 % of the loan balance. Why did they send me a confirmation email if my payment " did not save ''? 

I am getting nowhere with this company and I am not going to pay fees that are a result of their negligence not mine. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX 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. INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX Please XXXX this inaccurate information from my credit report. ACCOUNTS : XXXX BANK, XXXX XXXX XXXX. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX REMOVE ANYTHING ELSE THAT ISNT THAT.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 law, credit reporting agency violated my rights as consumer by using and disseminating my credit information without my written consent before certain information is disclosed. 

I have never provided written consent or permission for credit reporting agency to furnish and disclose my information for the following accounts : - XXXX XXXX XXXX : XXXX - Auto Lease opened on XX/XX/XXXX - XXXX XXXX XXXX : XXXX - Auto Lease opened on XX/XX/XXXX
Product: Debt collection

I was paid an odd amount from my employer. Initially confused, i reported to work and check my paycheck stub online. There i discovered that there was a case filed and a wage garnishment had occurred. Checking my spam mailbox i see a message from payroll explaining the deduction. At this point, I knew something was amiss. I have recently discovered how to keep track of my credit online. to my dismay there are several instances on my credit report that are erroneous. The company in question has since removed the item from my credit report " XXXX '' after i filed a dispute on the credit item. They have since re-added this information. This is regards to a bank account closed in 2009. I also live in nebraksa where Nebraska Revised Statute XXXX stipulates a 5year SoL on written contracts. I do not understatnd why now of all times to pusue the debt or the errant disregard of the statutes of the state of Nebraska. I have not been contacted in any way by this company to date and have just acquired their phone number from our payroll department
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX the primary cardholder XXXX XXXX add XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( Transunion, XXXX and XXXX ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, as a result my FICO Score drop from XXXX to XXXX this is a pattern with XXXX XXXX XXXX XXXX on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact XXXX XXXX XXXX XXXX on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to 12 CFR 1026.12 Special credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly States that 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 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Transunion XX/XX/2022 to update this doubtful information. I think you have not authenticated this account 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 XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received mail telling me about a credit card that I did not open. The card was issued by genesisfs card services in XXXX, 2023. 
I called but could not get to speak to a person. 
Looking at my credit report I see that the card is listed. I have not signed up for this card. I have never received this card. I do not want this card. 
I want this card abolished and removed from my credit record.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX