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

On XX/XX/2019 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Product: Mortgage

THIS IS NOT A DUPLICATE OR A TRIPLICATE THIS IS A NEW COMPLAINT ABOUT ONGOING ISSUES THAT HAVE GONE UNRESOLVED. RECENTLY, I HAD TO HIRE AN ACCOUNTING FIRM TO CONFIRM MY SUSPICIONS AND THEY DID. I NEED ALL MY PAYMENTS APPLIED AS WELL AS MISSING FUNDS. I HAVE ALWAYS BELIEVED THAT I WAS BEING PUSHED TOWARDS FORECLOSURE AND ASKED SELENE TO SELL MY NOT AND IT SEEMS THAT IS WHAT IS TAKING PLACE. HOWEVER, I DO NOT WANT TO MOVE TO THE NEXT COMPANY WITHOUT RESOLUTIONS TO WHAT THEY HAVE DONE. I NEED THE XX/XX/XXXX PAYMENT APPLIED, THE XX/XX/XXXX MONEY ORDERS APPLIED AND THE MISSING FUNDS APPLIED WHICH EQUALS THREE PAYMENTS. I OWE FOR XX/XX/XXXX BUT THEY HAVE NOT ALLOWED ME TO MAKE THIS PAYMENT, ALL I GET IS THREATENING LETTERS LETTING ME KNOW THAT I AM IN DANGER OF LOSING MY HOME. THIS NEEDS RESOLUTIONS PRIOR TO MY MOVE OVER!!!!!
Product: Checking or savings account

I am filing a complaint against Bank of America due to a Freeze on My Business, Personal, and Saving accounts at BOA. I have never had any issues with payments from XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX and was told the account payment was in FACT FREE and CLEAR. The hold on my account was issued by BOA not XXXX XXXX XXXX XXXX. 
I feel like this is racially motivated and biased against my business XXXX -OWNED. 
I have a payment on hold for XXXX deposits {$70000.00} + {$45000.00} I received a letter dated XX/XX/2023 Claim XXXX. 
MY CHECKING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get XXXX XXXX XXXX to correct the principal balance for several weeks. The servicing was transferred in XX/XX/2024 and the principal balance was updated on XX/XX/XXXX to reflect a {$300000.00} principal payment. 

As of today/s date, the principal balance still reflects {$30000.00} too much. 

I did file a dispute with the credit agencies, but because I have had so much trouble with this servicer, I feel there will be no resolution. 

This has been a nightmare from day one for us, I just want the credit balance correct. This affects our debt-to-income ratio. 

Please assist with this issue and have it resolved in a timely fashion. 

I have all kinds of supporting documentation if needed. 

Warm regards, XXXX XXXX
Product: Debt collection

I had a collection with EOS CCA from XXXX XXXX XXXX. At the time I received a call from the collection company I advised not to call me anymore unless they would do a pay for remova from my credit reports to which they agreed on XX/XX/XXXX for an amount of {$260.00}. Fast forward to XX/XX/XXXX after numerous calls and emails to supervisors and managers to tell me they dont do that which sounds like a complete lie. It is a breach of contract and I will pursue legal action if they do not uphold our verbal contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Wells Fargo on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX  XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with Wells Fargo because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future
Product: Credit card or prepaid card

Bank of America has made a decision to close the XXXX credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the following accounts and the credit agencies, Transunion, XXXX, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX ( XX/XX/2016 )
Product: Credit reporting or other personal consumer reports

I started a dispute because i did not give any permission for any company to share or sell my information. i asked multiple times for proof of purchase agreement on confidental information and still nothing back.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX 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 CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Personal Information Also Known as : XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Late Close : XXXX XXXX XXXXXXXX Balance : {$0.00} ; 10/15-30days Charge off : XXXX XXXX XXXXXXXX XXXX XXXX : {$330.00} New Inquiry : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXX. Inquiries : XXXX { XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX'./XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I opened a loan with XXXX in the year XXXX, but the information was only being reported to XXXX and XXXX which was no big deal. But when Tranunion renewed its contract with XXXX the information began to report to Transunin as well, but with errors. So I contacted XXXX and they sent an update to Transunion to have the month of XX/XX/XXXX resolved, Transunion has yet to correct the error. So I was told by the creditor to file a dispute with Transunion so that Transunion can fix the delinquent reporting for XX/XX/XXXX.
Product: Debt collection

Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XX/XX/XXXX.

The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX XXXX saying they want to resolve an account with ( Why Not Lease It ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX  in XX/XX/XXXX/XX/XX/XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently XXXX XXXX XXXX ( XXXX XXXX ). In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " XXXX  '' that the collections pertains to a company called " XXXX XXXX '' whom I have never done business with.
Product: Mortgage

On XX/XX/XXXX my lender SLS grant me a forbearance plan under the COVID-19 guideline. The forbearance period end on XX/XX/XXXX since then I have been trying to obtain help with my lender I requested a loan modification or a repayment plan however lender refused any help instead they approved me for a short sale and that is not an option for me. How can they offer short sale when my loan amount is much less than my property value, something doesnt seem right. Please help or advise me where can I seek for help. Lender sent me a letter that they will soon initiate foreclosure activities
Product: Checking or savings account

I am writing this complaint with great disappointment and frustration regarding the recent events that have transpired with my Citizens Bank checking account. I believe it is imperative for you to address the severe misinformation and incompetence exhibited by your staff, which has led to significant XXXX XXXX for me. 

On Tuesday, XXXX XXXX XXXX XXXX XXXX XXXX, I contacted the Citizens Bank XXXX and spoke with a representative named XXXX. I sought guidance on the clearance time for a business check amounting to {$7200.00}. XXXX assured me that if I deposited the check early that day, the funds would be available by the following day. He even went as far as suggesting that if any issues arose and the funds not available the next business day, I should contact the banks XXXX phone number again for assistance. 

Following XXXX 's advice, I visited the Citizens Bank branch in XXXX, NY, in XXXX XXXX, around XXXX XXXX, where I confirmed the information with the bank teller named XXXX. He reiterated that the funds should be available the next day or, in the worst case, a partial amount would be accessible. 

To my shock and dismay, on Wednesday, XXXX XXXX XXXX, I discovered that only {$250.00} of the {$7200.00} check had been made available in my account. Upon contacting Citizens Bank at XXXX XXXX I was told by a representative that the remaining funds would be deposited the following morning. However, later that day, my account unexpectedly reflected a balance of - {$12.00}, and my debit card was declined when I tried to make a coffee purchase. 

Subsequent to contacting Citizens Bank once again, Supervisor XXXX from the XXXX Department callously informed me that the check would not clear until XX/XX/XXXX, and the {$250.00} deposit made that day by the bank had been withdrawn without notice. This sudden and drastic change in information, coupled with the lack of care, apology, or remorse on behalf of your representative, has left me in financial turmoil. 

I was compelled to borrow money from my daughter and am currently seeking financial assistance from my mother to cover immediate expenses. It is disheartening that Citizens Bank, a financial institution trusted by many, would allow its representatives to provide misleading information that has resulted in such a dire situation for a customer. 

I insist that Citizens Bank rectify this situation promptly by : XXXX. Ensuring the immediate deposit of the remaining funds from the business check into my account. 

XXXX. Providing a detailed explanation and investigation into the misinformation provided by your representatives. 

XXXX. Offering a sincere apology for the distress and inconvenience caused by this incident. 

I urge you to take immediate action to address these issues and prevent such occurrences in the future. Your prompt attention to this matter is crucial in restoring my faith in Citizens Bank as a reliable and customer-oriented financial institution. 

I expect a swift resolution to this matter and appreciate your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$59.00} {$59.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Inactive account Account has been closed due to inactivity. 
Closed or paid account/XXXX  XXXX Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Debt collection

I was notified by phone back in XXXX by a collection representative with Lendumo about a pass due payment from XXXX. I advised the representative that my monthly payment was made on their website online by my son in the amount owe of {$310.00} on my due date XXXX. Because I had fraud issue on my bank account and I knew the payment wouldn't go though I had my son to make the payment for me so I thought the issue was resolved. I called them on XXXX but was advised it was too late for them to stop the payment because they have a 3 day notice to make changes to automictic payments. I continued to receive collection calls trying to collect on a payment that was made on time for my XXXX payment online. I sent a written notice to the lender on XXXX again advising them that I didn't owe the a payment from XXXX since it was paid by my son on time. I received an email response from Lendumo stating that the account was pass due to the return payment and once again I explained to them what happen and they acknowledge they di receive the payment for {$310.00} back in XXXX which was the exact amount payment due to {$310.00} on XXXX. But because their system shows pass due they still have to collect. I tried again to get them to update their system and correct this matter because the pass due payment amount of {$310.00} was not pass due, it was just a system issue on their end but they have refused to correct this issue and have continued to harass me over and over again. The harassment calls haven't stopped on them trying to collect on a payment that is clearly not owed to them.
Product: Vehicle loan or lease

On XX/XX/2022 i informed Automotive Finance Services that i was officially rescinding the Retail Installment Service Contract made in XXXX XXXX on the basis of fraud. It came to my attention that contract 's finance charge had been fraudulently manipulated. Automotive Finance Services has been uncooperative and it has passed the 20 days and they have yet to refund the downpayment and monthly payments received
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX Credit Bureau : Name : XXXX  Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : Equifax Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX  Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made.

I contacted XXXX & Equifax, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX & Equifax inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, & XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

I submitted a PSLF form in XX/XX/XXXX I called XX/XX/XXXX Fedloan said they were still processing and were waiting from Federal Student Aid for Employment certification. I contacted the Federal Student Aid and was told that was not true in fact Fedloan handles all ends of the certifications. 

This created distress and further anxiety as I never know what form will work for them.
Product: Debt collection

I called this agency in XX/XX/2019. I thought my insurance had paid ( {$160.00} ) after our talk. I never spoke with them again until today. They sent bill ( s ) to wrong address. I NEVER received a bill from them. They said they never received the mail back. I explained to them that it I am not responsible for my neighbor 's actions. They did not take responsibility for sending them information to the wrong address. They will not remove the collection notice from my credit. My credit was excellent with XXXX  before their submission.
Product: Bank account or service

I lost my card. Somebody had deposited fruadulent checks and cashed them in a different state fifth third bank stated they would fix the problem. they sold my account to a collection agency and the thief also took XXXX out of my savings
Product: Mortgage

My mortgage account has shown multiple 30-day lates on my credit report. Upon researching, I found that the issue was due to a payment from the previous servicer that was never applied to the new servicer. I contacted the previous servicer who provided the tracking # ( I can not located but I provided the tracking # to the current servicer so they have it ) and confirmed the package with the forwarded payment was received by the new servicer. The payment is from XXXX of XXXX. I have contacted the new servicer multiple times since XXXX of XXXX and to this day my account still shows as behind. I have provided them with a check for every month that cleared my bank account to prove I've never been behind 30 days as well. There is no sense of urgency and I have been trying to refinance my home since XXXX but I can not due to the late payments bein accurately reported which the current servicer should face repercussions for holding my account hostage as again - I have provided the tracking #. In every case that I called they requested me to provide documentation when they could've easily called the servicer who transferred the loan and settled the misunderstanding directly with them.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX XXXX  account on my credit report, which incorrectly lists a charge-off of {$480.00} as of XX/XX/XXXX. The account was opened in XX/XX/XXXXXXXX  with a credit limit of {$300.00}. In XX/XX/XXXX, the account was reported as charged off, but I dispute the accuracy of this information. 

I filed a dispute in XX/XX/XXXX, requesting a reinvestigation. Despite this, the account remains listed as charged off, and no proper verification or documentation has been provided to substantiate the charge-off. The information continues to negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added on a credit card as a authorized user without my consent. The account belong to my deceased mother XXXX XXXX XXXX. When I found this on my credit report I contacted Bank of America and gave them the information and sent them a death certificate. I was assured that they would remove me from this account. But instead they wrote it off as a bad debt on my account. I contacted them again and they told me to take it up with the credit bureau that they could do nothing else for me. They also have me listed at an address but I have never lived that it is my mothers address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington