23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and i am reaching out to you concerning my credit report. On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes. I feel as though Im being ignored, and my issues aren't being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong people.
Product: Credit card or prepaid card

I tried to make a donation to XXXX a well known XXXX for the total gift card amount of {$50.00} using a gift card from vanillagift.com Card Serial # XXXX XXXX, from Vanilla told me it was impossible to unblock the purchase as it was being flagged as inappropriate. This was after I tried to check my balance online. The online system also failed. 

I have worked in finance and it is my belief that Vanilla ( https : //vanillagift.com ) is purposely making it difficult for people to spend their money. This is a good scam, but should be stopped.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX incorrectly terminated coverage but has since reinstated coverage. During this period they denied payment on several claims. These bills were turned over to APEX ASSET MANAGEMENT XXXX. APEX calls repeatedly and hangs up. This deceptive practice is so that you will call them back and they can demand personal information from you to " verify the account. '' They are extremely abusive when you call back and half the time they hang up on you again. 
Two employees XXXX and XXXX were overtly abusive and rude and informed me that if I did n't verify my personal information with them then the debt would be " referred to legal. '' I attempted to explain the issue with the health insurance and that the claims are being resubmitted by the company for payment of the medical bills. 

The continued to act in an aggressive and abusive manner and continued to inform me the matters would be " referred to legal '' unless I provided my address, date of birth and social security number. 

Despite being told to stop calling, instituting a 10 day bar per the Debt Collection Practices Act, they continue to call multiple times a day and hang up hoping to call back. This harassment must stop. I am very sick and I do have health insurance. They would not listen to the explanation that the health insurance made a mistake. 

They do n't care and continue to threaten " referral to legal. ''
Product: Credit reporting or other personal consumer reports

1. I submitted a request to verify the completeness and accuracy of a tradeline with XXXX XXXX. 

2. XXXX verified the information to Equifax but failed to give account level documentation pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ).

3. Equifax responded to me by sending a copy of the re-investigation report # XXXX dated XX/XX/. Equifax alleged the information was correct, however they failed to mark the account as disputed on my credit report which is a violation of the FCRA.
Product: Checking or savings account

On XX/XX/XXXX VyStar credit Union overhaul their mobile banking it crashed. It is now XX/XX/XXXX Mobile banking is still inoperable. VyStar and any other mobile banking at this point everyday necessity five stars Mobile banking has been down for exactly one month today as myself and anybody else that uses we are hindered severely I understand this is a major glitch I may or may not change credit Unions at this time but mobile is vital. I am hindered because I can not see my account I can not move money properly where I needed to be I have children who do not live with me and pay child support to them I have bills that need to be attended to or monitor and I am just hinder all the way around without It I have been in overdraft in my account several times a the banking new version crashed my worst fear is not being able to pay a bill and or going into default somewhere financially which would definitely affect my credit score!
Product: Credit card or prepaid card

On XX/XX/XXXX the XXXX percent intererst expired on my one of my balances. My balance was {$1100.00}. On XX/XX/XXXX, I paid {$1100.00}. Citi credited the payment to a different balance, under the same account, that has a 0.99 %. The XXXX percent interest that expired on XX/XX/XXXX was raised to 16.74 %. I agree, I would owe this interest rate from XX/XX/XXXX to XX/XX/XXXX, 8 days. Instead, Citi continues to allocate close to 100 % of all my payments to the balance on the 0.99 % balance. 

When I called Citi, the representative assured me the payments are allocated to the highest interest rate balance. For three months running, this is not true. 

From XX/XX/XXXX - XX/XX/XXXX, I have paid {$1500.00} to this credit card account. The balance on the high interest portion has been reduced from {$110000.00} to {$1000.00}. Citi has only applied {$63.00} to the high interest balance. On the high interest balance, I have been charged {$36.00} interest.
Product: Credit card

American Express XXXX XXXX, owed them XXXX, first week of Covid they dropped line of credit to XXXX, couldn't use card until below XXXX. This was impossible so I paid my vendors instead, didn't pay XXXX. Then they worked out payment arrangement, no interest, no late fees, no reporting to credit agencies. We paid the balnce down over XXXX  year period to roughly XXXX, then I noticed my XXXX XXXX drop from XXXX, upon investigation they had wrote off debt and reported to credit agencies, at that time we ceased paying the bill. They show balance XXXX, obviously charged penalties and interest. When I called they said they never told us that, which they recorded the calls. Business is now out of business, and this was suppose to be corporate card, would like it removed from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that the  Collection Agency & Creditor  have also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) : " Up on the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but may file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of   X/XX/2016    . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX   of 2016. Hen ce, if the creditor had indeed fulfilled its obligations under Florida  Statutes  to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in m y USPS change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.
Product: Mortgage

I am making a formal complaint against my mortgage servicer due to the negligent practices in handling my loan. I had a financial hardship about a year ago and fell behind on payments. I called my mortgage servicer numerous times to find out what I could do to help bring the loan current. I was never told about modification options available and I am now facing foreclosure with a pending sale date of XX/XX/18. 

I had one modification done several years back and was completely unaware that I may apply for another one. I believe my mortgage hold intentionally withheld this information until it was too late for me to apply. My property has equity and I am now being told there is nothing I can do to save my home except cure the full past due amount of {$14000.00}. I was never sent any documentation regarding hardship programs. I was not given any helpful information over the phone or offered the time to speak with someone regarding my hardship except to make payments. 

I am now working my regular job and can not afford to loose my home. I am requesting that Ditech Financial stops or postpones the sale date and allow me the opportunity that I was denied to cure my account with a modification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$11000.00} Child support is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. XXXX account number from XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX  XXXX section XXXX XXXX states i have the right to privacy. XXXX XXXX section XXXX section XXXX section XXXX it also states consumer reporting agency can not furnish your account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX CREDIT VOLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account that was Pain in FULL on XXXX XXXX. 

It would assist me tremendously if you could make a goodwill adjustment that removes the negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Product: Mortgage

A loan request was started with USAA. During the wait for closing date, i found a better interest rate which would assist me in the long run. I had paid for a VA appraisal with USAA, this cost me XXXX dollars. Now i am going with XXXX XXXX for financing and i have requested two different times for USAA to transfer my appraisal through the VA portal to the new lender. i a gave them the lender ID and contact information and nothing has happened. 

Could you somehow please help me with getting USAA to transfer My VA appraisal over to new lender?
Product: Credit reporting or other personal consumer reports

I made a payment to XXXX XXXX  on XXXX  XX/XX/year> in the amount of {$790.00}. They are reporting on my XXXX and Transunion reports that I did not make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.
Product: Debt collection

I receive calls around XXXX on a XXXX basis. When I pick up the phone, no one is on the line. When I call the number back, the operator is reluctant to provide their name, the company name and they hang up before I can get the company address.
Product: Bank account or service

On XXXX XXXX, 2016 I opened a account at TD Bank XXXX XXXX XXXX, XXXX, PA XXXX, AND FOR 3 WEEKS NOW I HAVE BEEN BOMBARDED AND THEN REBATED ( -AFTER COMPLAINING - ) WITH OD FEES! And then Bombarded again!!! 3 weeks in a row. ALL with no access to a account statement! On-line or otherwise. 
BUT NEVER FULLY MADE WHOLE BY THIS BANK! AND THEY DO N'T SEEM TO CARE AND JUST PASS THE BUCK!! The Customer service rep XXXX XXXX. I have learned is part time and in college. When I inquired about my Paychecks and availability, I was advised by XXXX that my XXXX check deposits would be available the next business day. NOT 3 BUSINESS DAYS! 
XXXX ALSO did not go over the following items with me when I opened the account : 1 ) XXXX XXXX was not explained nor was I alerted to the policy. 
2 ) Deposits - A Payroll check made on Friday when I asked I was told those funds " would be available " Next business Day and/or Monday ''. - NOT WEDNESDAY of the Following week! As is the case with this bank it appears ... 
3 ) I was told that On-line banking was simple to Set-up, but when I went home and tried to, I had had several " authentication '' problems and long 15 minute waits on the Customer Service HOT-LINE and gave up.Only to find out later that I was given an incorrect Temporary password for setting up my account. Again, when I called the hot-line for assistance, it was impossible to get through. Just a advertising soundtrack that repeated itself many times over and over. I gave up after 15 minutes on hold. 
4 ) OPT in- OPT out was NOT Explained on XXXX, XXXX, but by a Supervisor at a store local to my job in another town - I work XXXX to XXXX at XXXX - when I visited the bank after the trouble started ... Notwithstanding the above, I would like to pursue a remedy to the Overdraft charges that occurred in the first 10 days within opening of this account. 
I feel cheated out of my money because I could not view my on-line statements for the first 3 weeks upon opening this account. I would have been able to take proper action to avoid these overdraft charges. 
After visiting the bank and describing why I felt something was wrong with my account - I was {$110.00} in the negative at this time.- to a XXXX XXXX XXXX XXXX Supervisor. She rebated me XXXX or {$70.00} in overdraft fees. I still had not seen a statement of my account, nor been able to set-up on-line banking. She advised me to call a NEW number. This did work and I spoke to a man named XXXX. He apologised for all the inconvenience and advised me he would further rebate a additional OD fee that XXXX XXXX had overlooked. 
Finally after going on line and reviewing my account, it became apparent to me that " next business day '' did not apply to this account!! And I was being penalized to the tune of {$35.00} a pop for {$7.00} worth of coffee and cigs, when in reality the funds were sitting right there in my account BUT NOT CLEARED BY TD BANK as I was advised upon opening the account.
Product: Credit card or prepaid card

On XXXX XXXX, 2020, we charged a hotel reservation @ {$580.00}, non-cancellable, for travel to XXXX  in early XXXX. It was charged to our CapitalOne Visa credit card, through XXXX. The XXXX offered us a credit for a later use within a very limited time. We rejected the offer because 1 ) we chose to do so and it was not required of us by the contract, 2 ) we are XXXX years old with health conditions and are susceptible to a life threatening response to viral exposure, and 3 ) my wife has developed a XXXX XXXX and can no longer travel abroad. 

Prior to the payment due date, we advised CapitalOne that we were not paying because all hotels in XXXX  were closed by the government because of the pandemic ; the vendor was therefore unable to provide the services for which we were charged. CapitalOne initially removed the charge and contacted the vendor, who advised that they made a credit offer to us. CapitalOne therefore re-charged us despite the fact that we can not use it and have no contractual obligation to accept it. 

We have advised them that we do not have to pay for something that the vendor could not provide per the contract. The non-cancellable contract was between two parties and the hotel/vendor defaulted, regardless of the fact that they had no other option, just as we had no option to travel there at the time and can not do so now or hereafter. 

CapitalOne has refused to remove the charge and has since charged us interest charges and now has begun monthly late payment fees. I was advised by phone onXX/XX/XXXX by the representatives of CapitalOne that they are sympathetic to our situation and are sorry, but the company [ CapitalOne ] policy under the pandemic requires acceptance of an offer for a credit for later use. 

I asked about dispute arbitration and broached the idea of a settlement. I was advised they do not use an arbitrator and do not settle : Have a nice day. 

The dispute is no longer with the vendor, but with CapitalOne about a policy that they chose on their own to put into effect at the onset of the pandemic without notice to their customers, regardless of the illegitimacy of such charges as in this situation. This is not misbehavior by an individual vendor, it is predatory misbehavior by a major bank and credit card company. We need it to be resolved but they advise that the case is closed. I have retained all correspondence, which was primarily in writing per their policies. All other legitimate charges were paid and our account with CapitalOne was closed as a result of their irrational and unethical intransigence. 

We therefore have no option other than to lodge a consumer complaint and request your assistance. 


XXXX XXXX cc : XXXX XXXX XXXX, XXXX, CapitalOne Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Credit reporting

I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from experian, yet after requesting them to be removed from equifax and transition they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP
Product: Debt or credit management

XXXX is the complaint. 

They are charging too much interest rate at XXXX XXXX 
I owe XXXX  estimate {$54000.00}. I called them to let them know I would like to do a partial payment and they said it would cost me {$500.00} additional dollars. 
I do not think this is fair. They charge XXXX XXXX  and if i want to do partial payments it will cost me an additional {$500.00}. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX  ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX  XXXX ( XXXX   : XXXX ).
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2500.00}
Product: Credit reporting or other personal consumer reports

PLEASE SUBMIT THIS TO THE CFPB FOR REVIEW. ALSO ATTACHED ARE ALL THE FCRA VIOLATIONS COMMITTED NY EQUIFAX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account 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. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX : {$110.00}