23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.
Product: Checking or savings account

I created a new account with Cash App after losing access to many accounts that I have previously had with Cash App. I have been a documented victim of identity theft for the past year. 

After creating a new account with Cash app, in documented written requests with there customer service department, I asked them to transfer any remaining funds from my previous accounts to my new account, which at first they agreed to do so. They then refused to do so stating that it was there policy and that they would be keeping the funds and that there was nothing that they could do about it. 

I informed them that there was an active identity theft investigation regarding my accounts, which has been reported to the IC3, FBI and Secret Service. 
Screenshots of communication with Cash App available apon request.
Product: Debt collection

Westlake Portfolio Management XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This collection is from XXXX to which I was paying on time until they added an extra payment to my agreed term. After phone calls and emails to which the issue was not resolved, I expressed to them that I was not going to pay until they got the issue fixed. They made no effort to do so, and so I stopped paying. I've already been over this with Westlake Portfolio. 

The 15 USC 1692c clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. '' Reporting to my consumer report, calling, and emailing are all forms of communication that need to be stopped immediately according to the law
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXXXXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Product: Credit card or prepaid card

Throughout the course of XX/XX/XXXXand XX/XX/XXXXmy wife and I opened some Citi AAdvantage Platinum Select cards through legitimate promotional offers and honest credit applications. The terms on these promotional offers were clear and applicable to us on every occasion, and through them we were able to earn a substantial American Airlines AAdvantage mileage balance through bonus offers. In essence, we had entered into legitimate contracts with Citi and earned legitimate promotional bonuses through legitimate spending. In short - we had earned these miles fair and square.Two weeks ago American Airlines closed my AAdvantage account without notice and refused to provide any communication with me. Similarly, my wife's AAdvantage account has been locked and unable to use. I contacted their phone line, their AAdvantage email support, and their executive office to no avail. Not a single person returned my calls or emails. It was not until I filed a complaint with the XXXX XXXX XXXX that I received an email from the company's corporate security department, who merely provided me a boilerplate email claiming I had engaged in abuse of their program. I asked for specifics, because I know we have never engaged in abuse with their program. To this day I have not received any specific details about why my account was terminated, though the suspicion is that I had earned too many miles (through legitimate promotions and offers from Citi) and they did not want me to spend them. Since then I have done some research and discovered hundreds - perhaps thousands - of other AAdvantage members facing a similar issue. Accounts shut down, reservations cancelled, and no communication directly from the organization in advance of these events. The airline is acting in a dictator-like fashion and shutting down users for no apparent reason. The sentiment of many of these people mirrors mine - which is that American Airlines is punishing members who utilized credit card bonus offers provided by Citi. The simple fact is that we applied for a financial product under certain terms and conditions and went through a full background credit check and approval process before being approved for this product. We then went through a specific spending process which was reviewed by the bank and was fairly awarded my miles. At no point in this process did we participate in abuse, fraud, or misuse. We entered into a contract with Citi, was awarded miles for meeting certain terms and conditions, and now American Airlines has decided they can take these miles from us.However, because of American Airlines's recent uncouth business practices, we have had the miles we fairly earned taken away from us without due process or explanation. Because of this, it no longer makes sense for us to keep any actives AAdvantage credit cards open as we will be earning miles into an account we can no longer utilize.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 at XXXX I called XXXX to asked to speak to the fraud department. Once connected I explained how XXXX is reporting inaccurate information on my file and how it's fraudulent. I explained to the agent that I have already had the Public Record removed from XXXX and XXXX and the documents that I sent them. I explained that I have also provided the same documentation to XXXX as the other agencies and the Public Record has since been removed. The agent at XXXX proceeded to tell me that I needed to go to the court and ask to have the public record expunged. I proceeded to ask the agent how can I get a letter for a Public Record for a bankruptcy that does belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/23 XXXX ID security alert/ XXXX XXXX XXXX : Fraudulent application may be submitted in or my identity may have been used without my consent to fraudulently obtain goods or services. Someone write " I am currently on XXXX XXXX XXXX do not extend credit without first verifying the identity of the applicant. I can be reached at XXXX XXXX XXXX .this alert will be maintained on file for 1 year beginning XX/XX/23. 
They used my name, and my phone number.
Product: Mortgage

My XXXX XXXXXXXX XXXX XXXX, and I, XXXX XXXX were forced into foreclosure in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Mortgage XXXX is XXXX XXXXXXXX. 

As of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX made us aware that Wells Fargo submitted an insurance claim on the property due to fire damage. They submitted the claim on their own accord and our short sale team has been unable to locate the claim or when it was processed. 

We have been instructed receive the insurance check and sign it over to Wells Fargo and mail it back to them. Wells Fargo will then process the check to go along with the short sale. 

I think it is fraudulent of Wells Fargo to submit a claim on a home for fire damage when XXXX nor XXXX XXXX have been made aware of any recent incidents on the property. XXXX of both owners visits the house and neighborhood regularly. I do not trust the intent of this foreclosure and would like Wells Fargo to be investigated for fraudulent activity within this XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

I am a XXXX XXXX veteran who served my country proudly for 26 years. At the time I purchased my home with a VA loan I had steady employment with the same XXXX company for 18 years and felt secure that I would have no issues affording my home. Unfortunately 3 months after the deal closed I was laid off and for a period of 6 months only had limited income. As a result I struggled financially and defaulted on my mortgage payment. My issue is that my current servicer Stearns is not giving me any options to resolve my delinquency. My hardship was temporary and I am employed again and receiving military pension as well as SSI. I can afford a reasonable payment. However, Stearns has given me the runaround during the last 18 months that I have fought to solve this problem and now I face a foreclosure sale date on XX/XX/XXXX. This is wrong. 

I was a XXXX XXXX XXXX in the XXXX for 26 years. After getting out of the XXXX. I found work as a XXXX XXXX for an XXXX company and worked there for 18 years. We moved to the Florida area in XX/XX/XXXX and I was happy to be able to purchase a home with a VA loan in XX/XX/XXXX. As mentioned, when I closed the deal everything was fine at work, and I was shocked when I was laid off 3 months later after 18 years. I spent a lot of time looking for a new job and finally found work as a XXXX  XXXX about 6  months later. During that time period the only income came from my pension and we struggled financially and fell behind on our bills. I reached out to our servicer at the time XXXX XXXX to attempt to get some assistance through modification or forbearance or repayment plan. We started going through a very laborious process where our documents were continually misplaced, there was no assigned point of contact and a very confusing period with little to no communication. Eventually a review was conducted and I was told we were denied because I made too much money? I then tried to make a lump sum payment of {$6000.00} in order to get back in good standing but Stearns refused to accept this payment. To date they have continued to demand full reinstatement of the whole past due amount. My financial circumstances have changed, I now receive SSI along with my pension and my full time work. I can easily afford a reasonable mortgage payment. The problem is that Stearns is telling me I make too much money so they wo n't give me any choices except pay it all back. However, I do n't have the resources to pay it all back. 

I firmly believe that Stearns is denying access to government programs that should be made available to a homeowner with a VA loan. I am hopeful that your office can intervene on my behalf and help with this matter. I am facing an upcoming sale date and need to save my home, it is the right and fair thing to do.
Product: Debt collection

The collection company is continually calling my home for a debt that belongs to my son after I informed them that my son died this year XXXX/XXXX/XXXX. My son was only XXXX in XXXX when he passed away suddenly. He had just turned XXXX in XXXX of XXXX. What type of contract could they have with a minor child that allows them to call my house when my son died before he became an adult? They told me I have to send them a death certificate before they will stop calling my phone. My son does n't live anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1682 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit card or prepaid card

This is the second time Comenity bank has taken too long to process a payment that was sent to them with more than sufficient time to be processed before it became overdue. Their representatives all give the same excuses, but no helpfulness. XXXX took over my credit card account from XXXX XXXX XXXX and I have had nothing but trouble since, from setting up automatic payments to having payments processed in a timely fashion. When the exact same problem occurs more than one time that is two times too many. The delay in processing of course generates interest charges in their favor of course. The latest problem is XXXX  XXXX XXXX sending XXXX a check on XX/XX/2023 and it is now XX/XX/2023 and it has not processed. I checked with Bank XXXX XXXX, the XXXX account number on the check was correct, it was sent to the correct address and the amount was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX, Equifax, and XXXX have not complied to my investigation and unauthorized inquiries to my credit report. I have provided proof of certified mail receipts and there past the 30 day response time. I request all unauthorized inquires removed off of my credit report. This is a fraudulent matter that they are refusing to remove. Attached is the proof of identity that was also sent to each of the credit bureaus when the original request was mailed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Made payment on XX/XX/15 account showing over 30 days late. Made payment on XXXX before and was never reported late.
Product: Credit card or prepaid card

I received the promotional offer {$150.00} last year for spending {$1000.00} and now I received an email on XX/XX/23 stating that Amex will charge {$150.00} back because I downgraded my credit card account. This was not how the offer advertised and if I have known this I would not have accepted this offer because the annual fee is {$99.00} and offset the promotional offer.
Product: Mortgage

My loan was sold by XXXX XXXX to M & T Bank during the month of XX/XX/XXXX. A mortgage payment was processed by XXXX in the month of XXXX. M & T claims I did not make my XXXX payment so they contacted me to rectify. I agreed to process a 2nd XXXX payment to M & T while XXXX researched my XXXX payment intended to be forwarded to M & T. 
That 2nd XXXX payment was inaccurately processed due to a communication issue between myself and the M & T rep. No further communication has been received by self from M & T indicating my 2nd attempted XXXX payment was not properly processed. M & T then reported a late payment to the Credit bureus. I contacted the M & T call center and spoke with sitting supervisor. He was not helpful and stated the late payment is solely my fault and was not willing to resolve the inaccurately reported late payment. His name is XXXX and his number is XXXX XXXX XXXX. I have a letter from M & T thanking me for my XXXX payment.
Product: Debt collection

XXXX from model finance company called and hurassed my mother about a XXXX XXXX and said he will take me to jail. Guy wouldnt let me get a word out and he yelled at my mother over the phone saying she is going to get arrested as well
Product: Student loan

Aidvantage is my loan servicer. They emailed me stating my repayment date is a week after I graduate this XXXX. I know I am entitled to, per my agreement, to a XXXX to XXXX  month grace period before repayment of my loan. My XXXX XXXX with the federal government account states my first repayment isn't until XX/XX/25. 

Also, Aidvantage will not let me access my online account to contact them or change anything. It recognizes my email but won't send me any credentials to re-set my password or anything. This is completely unacceptable. I've already issued a complaint with the DOE and XXXX XXXX to get this resolved. I've heard nothing from Aidvantage at all. 

I am considering taking legal action if my loans become late or negatively impact either my credit or good standing to keep my loans current and not in default, etc.
Product: Student loan

I have n't been able to get lower payments upon even requesting I 'm paying XXXX plus dollars a month for my student loan for many years with no decrease in the amount still almost {$90000.00}
Product: Debt collection

We had an alarm system with XXXX and we had a dispute with XXXX and they said that they were apart of XXXX and that we had to pay our XXXX XXXX bill that they wrongfully billed us for and threaten to close my account and charge me as if I left my contract which is untrue because i tried to pay them the money but they would not take it and said they would have to turn my alarm system off. Which is unfair because when we signed a contract they had nothing to do with our separate dispute with XXXX XXXX. We did not inter our contract with the alarm with XXXX XXXX   it was with XXXX and they are trying to collect something that has nothing to do with them. So we tried to pay them as I said but they did not take our money and I feel like how you gon na charge us to cancel the contract when you guys cancelled our contract without our permission so that is they fault because I cant make they take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I instantly called Experian the moment I received the copy of my report that I purchased with XXXX dated XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying IdentityIQ to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these items listed below, so please help me remove this CHARGE OFF, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

Barclay bank has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX  because of their failure to verify this with Barclay. They did not attempt to contact Barclay. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.
Product: Credit card or prepaid card

I have a QuickSilver Capital One Credit Card Account and a Spark Business Capital One account. On XX/XX/23, I attempted to pay the full balance of these two credit cards from my Capital One Checking account. However, both payments were rejected by Capital One and sent back to my checking account. I called Capital One and they were not able to provide me with an answer as to why these payments kept getting sent back to my Checking account. Capital One is still charging me 31 % interest on two credit cards that they are refusing to let me pay off. This feels illegal and unfair. I would like to be able to pay off these credit cards and close these Credit card accounts.
Product: Debt collection

Merchants called me in order to settle a collection account that was referred to them from my medical provider. When they called, they refer to themselves as a CREDIT BUREAU. As far as I know there are only XXXX national credit bureaus ( XXXX, XXXX, XXXX and XXXX ). When I questioned them about who they really are, they insisted that they are a credit bureau when in fact they are a credit collection agency. Their name is misleading and so is their representation to people they speak to. They try to intimidate me even when I kept questioning them. I believe they are fraudulently mis-representing themselves to the public in order to get clients to pay their debt.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated
Product: Credit reporting

XXXX XXXX has reported me as charged-off, even though I have settled the debt for {$850.00} with XXXX. The account was not a charge off, but rather a settlement and I have attached all the cleared checks to show the total of {$850.00} was paid to settle the debt in full.