23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX contacted my phone on a Sat. XXXX, 2017 and a voice mail. I listened to the message. 20 minutes later I called my father in Hawaii, 6 hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I recieved an email from Citi Bank that my Credit Limit was reduced from {$9000.00} to {$1000.00}. Leaving me {$20.00} of credit. I have never been late on any credit cards in my life and have good credit. They did this to me a few months back on XXXX XXXX XXXX  XXXX. A few weeks later XXXX from The Citi Executive Response team called me and apologized and reinstated my {$9000.00} credit. But now the same thing is happening. So I called and spoke to XXXX an Escalation 's Specialist thinking this problem could be resolved again. She was extremely rude and was of no help. My Father just passed away and my mother is on her dying bed literally. I think this is just awful to treat people like this and rip out credit needed. Credit Card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me again. Thank you!
Product: Checking or savings account

I received an email saying my account was closed on XX/XX/year>. I found their number and called and was told they closed my account but could not provide a reason. They sent me an email after asking me to send a picture of my ID. They are holding my money until I send them a picture of my ID or passport. They have every dollar i own. They claim once I send the picture they will review it for XXXX days and then mail my money to my address. They are stealing from me. I will also be seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documentation. XXXX XXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX  FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX
Product: Credit card

I recently filed a complaint about American Express failing to accurately report my credit history. They state the account was transferred to XXXX ; therefore, I need to contact them about the problem. XXXX has clearly stated that American Express is responsible for accurately reporting the credit history while I was a member with them. This issue predates XXXX purchasing the account. So clearly American Express needs to resolve this issue. Please refer to the original complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've tried disputing several unauthorized accounts and inquiries on my credit profile for a while now with both XXXX and Equifax. I've submitted all required documentation such as a valid police report, FTC affidavit along with valid identification in writing. Under the FCRA 605B once all required documentation is provided to the credit reporting agencies, unauthorized/inaccurate accounts must be blocked within 4 business days. I've also called these agencies every day requesting the information be blocked from my credit profile. Please assist me with enforcing my credit reporting statutes. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect information on my credit report. The inaccurate data appears on my report and is negatively impacting my credit score. Specifically, the issue involves incorrect account balance, late payment that was on time. 

I have already taken steps to resolve this matter such as contacting the creditor, submitting a dispute through the credit bureau. However, the issue remains unresolved. 

I am requesting that the company investigate this matter and correct the inaccurate information as soon as possible. I am prepared to provide any necessary documentation to support my claim. Please confirm receipt of this dispute and provide an estimated timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries on my reports, all relating to credit cards I didnt apply for. Ive been so diligent on getting my reports and collections payed and doing the right thing. Its so not fair these inquiries are there when I absolutely did not apply for them.
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost XXXX  of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Credit card or prepaid card

Sir, I was on 0 % interest payment plan on with my above Wayfair account. I paid the monthly amount without any delay till XX/XX/2020. On the month of XXXX I paid the total amount due in full, Unfortunately due to pandemic Comenity bank received the payment after three business days after my payment plan ended. The delay in receiving was due to pandemic reasons. Bank charged me over {$850.00} in interest for the three days delay even in the middle of the pandemic. I talked to the customer service team over 30 times. Every time I talked to the customer service team they agree with me it is unfair to charge this enormous fees for three business day delay and they will say they will speak to the surer wiser and remove the fees. Till now the fees has not been removed and I was getting charges on the late fees. Pls. consider my case and remove the late fees and interest charges charged me for the delay in receiving the payment by three business days. You can be reach me at XXXX for any questions. I expect a fast remediation of this issue.
Product: Student loan

I applied for the IDR save plan and recieved an email that it was approved in XX/XX/XXXX. I did not receive any communication at all until XX/XX/XXXX stating I had missed payments to the new loan servicer. I have never been late or missed payments in over 20 years of these loans. 

Neither the Feds, nor the new company reached out to me in over five months. I believe this was done intentionally to postpone loan forgiveness. Even if it wasn't, this is outrageous and I should not be held responsible or penalized for such negligence. The new loan servicer is Advantage.
Product: Credit card

I was offered a payment deferment with no negative reporting to the credit bureau. I accepted the promotion and received confirmation, which I have attached. I then received an email saying I was past due. I called Avant and they advised me I was past due. I asked why since I was enrolled in this particular promotion and they could not answer. I was transferred to another department who never came to the line. They have now reported the account past due to my bureaus.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft an trying to remove these fraud accounts from my report and the credit reporting agencies keep reporting it! Their response is because a payment was made on the fraud accounts. Im ready to take this legally
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
Product: Credit reporting or other personal consumer reports

Experian has failed to provide the information I requested under 611 ) a ) ( 7 ) B ) ( iii ).

I disputed account XXXX XXXX XXXXXXXX I never gave permission for this account to appear on my consumer report therefore I demand deletion because my privacy rights are being violated by experian. 
I disputed this account on my consumer report in violation of Gramm Leach Billey Act 6801, 6802 and the Fair Credit Reporting Act 604 ( a ) ( 2 ). When my dispute was verified I requested the procedures that were used that led to this account to be verified along with the name ( s ) of the persons address and telephone number ( s ) within 15 days as required under FCRA 611 ( a ) ( 7 ) ( B ) ( iii ). 
Experian sent me NOTHING!!! 
Experian is in violation of this law and that makes me privy to monetary relief! 
I demand again the information requested and that experian delete account immediately.
Product: Debt collection

Equifax is showing a collection on my credit report from XXXX XXXX with XXXX XXXX XXXX as a client. 

I do not have a XXXX XXXX XXXX  account that went into delinquency in 2014 nor at any point within the statute of limitations of the Fair Credit Reporting Act. I have not received any communication from the XXXX XXXX XXXX in over 15 years. 

I contacted Equifax recently, and they claim they verified the debt as mine, which is not possible. Equifax did not send any documentation of this verification, which makes me wonder if their employees are just being lazy and waiting until enough time passes before saying they investigated but found nothing wrong. 

I would like the XXXX XXXX deleted from my Equifax credit report, as the other credit agencies have done. 

The account number I am providing is Equifax 's confirmation number.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I lost access to my account on XXXX.XXXX. 
I have over {$100000.00} in asset and cash and not able to access. Customer service is non-existent and I am not able to view. withdraw, or access my account what's so ever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Case ID : XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX Balance {$120000.00} XXXX XXXX XXXX Balance : {$120000.00}
Product: Checking or savings account

I went into the TD bank XXXX in XXXX fl I went in desperate to get a new bank card due to the fact that there was fraud going on in my account the gentle man was being rude and said oh no I cant give you a card because your Id XXXX XXXX XXXX XXXX XXXX I need to use my money I left very upset told him he was being an XXXX and didnt want to help me I went into the drive thru of the same bank and the gentleman helped me out with my ID expired he still gave me 100 $ out of my account the next day I tried to use my bank account and it was on hold apparently the manager XXXX XXXX had put the hold on my account she took the time to dig into it once I left to get back at me she put a hold on my account and said I had a previous account that I owe XXXX I gave birth XXXX on the XXXX I callled and put my account on a credit status not having a lot of money but had no choice if I didnt pay they wouldnt release the funds its now XX/XX/XXXX still not able to use my money and I allready payed the money I called the branch because the recovery team told me they are the only ones who can remove the hold spoke to XXXX XXXX again and she told me shes the one who put the hold because of how I was rude with teller I said how can you do some like that shes like you want me to help you or not? Over the phone then she stated she will call me back once she found out whats happening now my water has been disconnected due to non payment because Im not able to pay because my account its been on hold this has cause me such a frustration and my kids not having water to shower its been crazy with a new born I dont think this is how people should be treated at all!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I called chase XXXX to dispute a charge. The agent asked me to explain, and I shared that I had paid for a medical test from XXXX XXXX but they provided the wrong test to me. XXXX had promised to refund me and had not done so. The agent insisted on asking me for details about the ets and what it was for. I responded that i did not want to share private health information and he had no right to ask about that. He insisted he needed the details to process the dispute. The agent was based in XXXX and was ignorant about our laws protecting the privacy of health records. I asked for a call back from a manager and no one called.
Product: Debt collection

I have mailed dispute letters to credit bureaus and directly to GLA, which GLA never answered? According to the AG 2015 settlement agreement, all medical collections not updated within 6 months must be deleted. Since this collection has never been updated, this means a real investigation has never happened, so according to FCRA laws, this must be deleted now.
Product: Mortgage

I lost XXXX of 22 years due to the changes in the economy and stop making payments to my Mortgage loan after few moths I was in foreclosure and I hire an Attorney to help me with the foreclosure almost a year later I was inform By the Bank XXXX that if I paid my XXXX mortgage at a reduce amount they will grant a loan Modification. after the payment was made They offer a 6 months trial payment and I proceeded and pay the second mortgage and pay the 6 months Trial period. after the trial period was finished the bank never contact me and I blame the attorney for not working diligent and hire a new Attorney one year pass and I received a Letter from XXXX telling me that will not longer servicing my loan and they will transfer it to Green Tree after the transfer it took Green Tree almost a year to grant the loan modification where my loan was modify at a higherinterest and increase my Principal in {$140.00} to bring the account current. 
I was surprise because the loan was to much for my income but I did not want to loose my home. 
After the loan modification was in place for the amount of {$4100.00} the bank change the payments 3 moths later to {$4200.00} and then to {$4300.00} and in XX/XX/XXXX the payment was increase to {$5400.00} Once more time I contact the bank to understand why the increase was for and they said that the taxes for XX/XX/XXXX and XX/XX/XXXX where not paid that accounts for {$10000.00} and {$11000.00} totaling {$21000.00} but the banks send a bill for 44 payments of $ XXXXWhen I ask the bank to explain all this charges they can get a clear answer and also said that the overcharges will be apply to the principal.
Product: Checking or savings account

I have been banking with Chase bank for many years back when they were Washington Mutual. I work late in the evening so I do most of my banking online and through ATM 's. On Saturday XXXX XXXX. I made a deposit in the lobby of my local Chase bank for {$940.00}. The machine malfunctioned and gave me a receipt saying I deposited {$80.00}!!. I immediately freaked out looking for my money in the return slot and nothing! I immediately called Chase claims and asked what I should do. I did not want to leave the machine for fear my money would come out. The representative assured me they had cameras so if anything like that happened it would be OK. She put a temporary credit on my account and said they would investigate. 2 1/2 weeks later I receive a letter saying they completed the investigation and they would be taking the {$860.00} back out of my account!!! I called claims and they were no help. They just told me the money was not showing in the report. I was furious and so upset. I demanded they check the cameras and give me a copy of the tape. They said they would only do that if I had a subpoena. I went into my local branch and asked for their help. They escalated this to another office who did a review and denied the claim again. I asked for a manager and they said they would have to have one call me back and NO ONE has even had the courtesy to return my call. I have banked here for years. I have a personal account, a youth account for my daughter and a business account. Their customer service is terrible and they have stole my money. I feel so helpless. My money should be safe when I use their ATM but it was n't. They continue to tell me they can not find the money but I feel they are just looking at the report and not going the extra mile to investigate. Did they do another audit of the machine. Did they check the machine again? Did they check the tape? Did they have a recording of the person who took the money out of the machine. I should not be responsible if they stole my money. I work hard for my money and {$860.00} is a lot of money for me. Not only am I out that money but now this threatens to hurt my credit and keep me form opening an account with other banks in the future. Please help me because Chase is doing nothing!!!!
Product: Credit reporting or other personal consumer reports

I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting or other personal consumer reports

I wonder how many more times do I have to send you a complaint for you to finally check what really is going on. I want to have these accounts that are reporting inaccurately on my credit file removed because I am not getting as much chances in getting my loan approvals because of my score.
Product: Bank account or service

My chase bank account was left with no activity for a couple of months and that is because I 'm waiting on my school money to deposit again. I had someone wire money into my account an few days ago and went to the bank today and they told me my account was closed last XXXX with no notice at all no email or anything. I ca n't understand why they can just close your account without any notification at all.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently just obtained a permanent address.
Product: Payday loan, title loan, or personal loan

I have had a number messaging me and threatening to have me arrested for not making a payment through XXXX XXXX or through an XXXX card payment I cant get them to give tell how to pay this o er time with my debit card