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

Nordstrom offered A {$60.00} CREDIT IF YOU WERE APPROVED, I WAS AND CHARGED SOMETHING ON THAT APPROVED CARD THE DAY YOU WERE APPROVED. 
I SPOKE TO XXXX FROM TDBANK AFTER TRYING TO DO THE EXACT OFFER ON A XXXX XXXX {$140.00} XXXX XXXX AND SHE SAID THAT I WAS NOT APPROVED BECAUSE 2 PEOPLE WERE USING MY SS NUMBER, I SAID LIKELY MY MARRIED NAME, XXXX AGREED BUT STILL DENIED THE OFFER OF {$60.00} CREDIT ON ORDER I HAVE XXXX XXXX. NO ONE ELSE IS USING MY SS #. XXXX LIED TO ME TO NOT GIVE ME THE {$60.00} CREDIT
Product: Credit card or prepaid card

In   XXXX   I cancelled a  XXXX  music charge on my account. The lady a t Capital One  got  XXXX  on the phone so we had a  three way  conversation. I cancelled the  XXXX  charge and also closed the account. Since then I still receive the monthly bill with the  XXXX  charge added. I called  Capital One but t he young lady seemed confused but said everything was taken care of. This month,  XXXX , I received an additional charge on my account that was supposed to be closed in  XXXX . I can not get through to  Capital One that I want no more charges I did not make to an account that was closed months ago. Please help.
Product: Credit card or prepaid card

In late XX/XX/2020, I received emails from Citi with the offer of 5 % cash back on up to {$500.00} of online purchases from the day of enrollment through XX/XX/XXXX XXXX XXXX Monday XXXX. I clicked through the link to enroll three of my Citi credit cards in this offer. 

On each of these cards, I made the following online purchases : Card ending in XXXX .. purchases from XXXX XXXX {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$500.00} These purchases are all labeled as XXXX in my XXXX, making it clear that they are indeed online purchases that should qualify for the offer. All purchases were within the correct time window. However, I received the following cash back bonuses XXXX XXXX : {$2.00} ; XXXX : {$3.00} ; XXXX : {$5.00} XXXX instead of the correct amounts, which would have been {$15.00}, {$15.00}, and {$25.00}, respectively. In early XXXX, after the incorrect statement bonus amounts posted, I spoke with Citi chat. The representative I spoke with confirmed that my purchases within the correct time and that my cards were enrolled in the offer as described. They stated that they would escalate my issue to customer service, who could resolve my issue. However, I received a letter within a week denying my request. 

Following receipt of this first denial letter, I called Citi customer service in late XXXX to clarify the reason my request was denied. The kind representative I spoke with agreed with my confusion and stated that the credit bonus amount should have been as I have described above. She stated that she would escalate the issue and submit a dispute on my behalf for the additional bonuses to be credited. However, at this point, I have now received a second letter from Citi denying my request for a second time. This is false advertising, as Citi is not fulfilling their offer as promised.
Product: Mortgage

I cancelled a no cash out, refi of my primary residence with : Finance of America Mortgage LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX # XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Notification was sent the day after closing. They have not returned my funds. They do n't answer my attempts to contact. I 'd like all my money back. How do I get it? Thanks. 

Best Regards, -XXXX XXXX XXXX XXXX
Product: Debt collection

Bank of America Home Loans sold my mortgage loan to XXXX XXXX XXXX. The initial date of non payment was XXXX. XXXX companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt
Product: Credit reporting or other personal consumer reports

always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. '' My account with this XXXX XXXX XXXXis being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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. This 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: Mortgage

I had a mortgage with XXXX which was open XX/XX/XXXX and was a XXXX XXXX mortgage. XXXX of XXXX NewRez bought the servicing of my mortgage and this is were things went down hill. My mortgage payment was only XXXX XXXX XXXX and I paid my own taxes and insurance on my own. XXXX was trying to collect for an escrow account. They even paid my taxes XXXX time and I paid them at the same time so they were paid XXXX It took me XXXX XXXX to get my tax money back. I talked to the head of XXXX customer service and they straighten this issue out. They promised me I would not have escrow and I would not ever have a XXXX XXXX  late payment on my credit because I was making my XXXX XXXX XXXX  payment of XXXX and they were looking for {$1600.00} to cover the escrow money. I paid the loan in full XX/XX/XXXX and just ran my credit and they put a XXXX XXXX mortgage late on my credit for XX/XX/XXXX. I called them and emailed them like they asked me to do and they say I was late and there is noting I they can do about the XXXX XXXX late. It was there error and now I suffer. I know what happen. For XX/XX/XXXX payment they were looking for {$1600.00} and I only paid them my XXXX XXXX XXXX payment of {$1000.00} which is the correct payment. Because I did not make the escrow payment in XX/XX/XXXX they said I did not make a full payment and mark me XXXX XXXX late. I paid the loan in full in XX/XX/XXXX and I have a letter from them it is paid in full without lates. I need this XXXX XXXX mortgage late taken off my credit. I have been in the mortgage business for XXXX XXXX and own many homes and this is the worst mortgage company I have ever work with. I have NEVER made a late mortgage payment. I think they do not care about me anymore because I am not their customer any more. I am looking to get a heloc with another company and this late payment is stopping me from getting the loan. For XXXX XXXX I made XXXX payments on time with this loan. Why would I make the XXXX payment late. This is so wrong and I need action taken for the horrible customer service this company gave me over the XXXX XXXX they had my loan. PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX number = XXXX Company = XXXX
Product: Student loan

I sent a letter to Navient explaining the reason that my Private student loans should be discharged and it was received on XX/XX/2024. They have not taken this matter seriously. They still keep harassing me and my wife and they will not address the issue. I know that there is an application for school misconduct discharge but they won't send it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting an official complaint in hopes of having paid collections account deleted from my credit report. 
Mistakes I made in my youth have led to me having over {$9000.00} in collections. Over the past years, I have learned a lot and made several life changing decisions. However, in order to rent a new space. Every landlord checks the credit reports and it is truly harming my future goals of finding a better place to rent. 
I made several financial sacrifices to settle all the accounts that were in collections and used all my savings. All other companies were kind enough to compromise or give me additional options for deletion eligibility. 
I truly hope this complaint submission can help me delete the other paid collection account from the credit report. Please help me improve my credit score and repair past mistakes from my youth. I was unable to get additional help from the representative that I spoke to on the call and no other form of deletion eligibility. I was only able to make the settlement payment. 

Proof of payment to National Credit XXXX, XXXX XXXX, on XX/XX/2021 for {$1100.00} has been attached to this complaint. 

My contact information : XXXX XXXX XXXX XXXX XXXX Floor XXXX, NY XXXX Company Information : NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX
Product: Debt collection

I have received many calls from Premium Receivables ( XXXX ) in the last few weeks. They call while I 'm at work and unable to answer and leave threatening voicemails on my cell phone. They say that I owe money and if I do n't call back within XXXX hours they are going to sue me. I did return their call, and they refused to tell me who the creditor was or what the supposed debt was for. I asked them to send me a statement in the mail so I could verify and they refused to do that as well. They continue to call me almost every day, and now they are calling family members at locations I have never lived. They have told my parents that they will sue me if I do n't pay them within XXXX hours. They also told my parents that this debt was for a property I previously rented. They disclosed more information to third parties than they would even tell me when I talked to them. I have no outstanding debt relating to that property, so I do n't believe this is even a valid debt, but since they refuse to send me any form of verification, I have no idea what it is for. They are threatening and harassing not only myself, but also my family while refusing to provide any information that I could use to verify the debt and resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/2024 Dear Credit Reporting companies, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my Consumer report with your bureau. The following item is fraudulent, I have NEVER opened a leasing agreement with Preserve at XXXX XXXX XXXX : {$4600.00} Account # : XXXX REPORTED FOR PAST DUE BALANCE I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted from my Consumer report. Enclosed is additional evidence to support my claim including a police report from the XXXX Police Department and the FTC.
Product: Credit card or prepaid card

Fortiva credit card/ was called back in XXXX of 2021, regarding the account being closed and consumer explain the reason for the request to close account, I asked for a close out letter explaining my options and amount owed, instead the account was still open to allowing the Fortiva to access the auto payment system of {$55.00} withdrawal from my checking account with XXXX XXXX  XXXX this went unnoticed for several months, until I called customer service regarding the auto payments, and the maintenance fees attached to this account each month.. again I requested the stop payment on the account and the maintenance fees, I left several emails to the customer service/ disputing the charges... I specifically asked in my correspondence that I wasn't happy or satisfied with the services provided, this account was in good standing prior years, now its in default with a negative impact on my credit report..
Product: Mortgage

This complaint is about Chase Bank and what we believe is their violation of UDAAP, among other errors and issues, in the process of obtaining the mortgage for our home. 

Chase Bank has admitted that they failed to disclose important tax information related to our property. Because of their failure to disclose to us, or update the closing paperwork that they provided to us, regarding how much our mortgage and monthly payments would be we are now being subject to a paying a short of $ XXXX, and they are increasing our monthly payment by over {$700.00}. 

It is important to note here that on multiple calls with Chase they have ADMITTED to having this important information prior to closing, and they admit to failing to disclose this information to us. They never made this information known to us nor did they update any paperwork to reflect a new amount. Thus we closed on a home without Chase providing us with financial information that they had and we needed to make an informed decision. 

The company involved is Chase Bank. 

The people involved are our loan officer from Chase and his supervisor at Chase Bank who admitted to receiving the financial information and failing to provide it to us prior to closing. We also have confirmation of Chase 's failure to disclose this information from the title company, XXXX XXXX, that serviced our account.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXX XXXX. 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years.
Product: Credit reporting

I have repeatedly asked for validation of this debt from XXXX yet never received paper work showing that I had a signed contract with them as well as what all the charges are for. When view results keep saying that it remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Transunion showed a 101 credit point drop yesterday. I filled out a Deferrement and payment based on my income request from FAFSA Dept of Education for my student loans. I did not see this at all on my credit report and needs to be there. 
It should also show on XXXX and Transunion. 

In the past months I have paid off or down several accounts to bring my credit up in order to qualify for an FHA home loan. It was at XXXX and I feel this horrendous drop is not correct at all. 

Please help me get this repaired! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX Last 4 of soc sec XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit inquiries on the report that were not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX
Product: Debt collection

Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this.
Product: Payday loan, title loan, or personal loan

I took this loan out in XXXX and they have always given me an issue! I have had a hardship with bills increasing! They make threats and harrass people unprofessionally! I will sue them for illegal practices!
Product: Credit reporting or other personal consumer reports

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from XXXX XXXX and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.
Product: Debt collection

XXXX continues to collect a debt that has been Discharged in Bankruptcy # XXXX. 
The court and legal counsel has continued to advise this and AMSHER COLLECTION SERVICES, XXXX. THAT the balance of {$78.00} is in permanent " DISPUTE ''. 
ATTORNEY GENERAL has been advised of these harassing collection practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$32000.00}
Product: Mortgage

Subject : Notice of Error I am writing to formally address the numerous issues I have encountered with my mortgage account 1. Unjustified Increase in Monthly Payment o My monthly mortgage payment was increased from {$1300.00} to {$1900.00} without prior notice. These amounts were debited from my account on XX/XX/XXXX and XX/XX/XXXX. 
o After numerous calls, Newrez representative informed me this increase was due to lender-placed insurance of {$610.00} per month, which was applied despite my own insurance coverage being effective from XX/XX/XXXX to XX/XX/XXXX and renewed for XX/XX/XXXX to XX/XX/XXXX. 
o This action was taken in error, as proven by Newrez letter dated XX/XX/XXXX, which confirmed the removal of the lender-placed insurance. 
2. Mishandling of Payments o Starting XX/XX/XXXX, I resumed making my regular monthly payments of {$1300.00} via manual payments instead of automatic withdrawals. Instead of applying these payments to my account, Newrez retained the funds and marked my account as past due at {$1900.00} each month. 
o This error has caused my account to be reported as delinquent to major credit bureaus, significantly impacting my credit score.

3. Excessive Payment Made Under Duress o On XX/XX/XXXX, I made a payment of {$3900.00} upon the recommendation of Newrez representative, XXXX XXXX, in an attempt to mitigate further damage to my credit. This amount was excessive, as I have consistently made my correct loan payments on time every month. 
4. Credit Damage and Financial Impact o Due to Newrez errors, my credit score has dropped from XXXX to XXXX, which has severely affected my ability to secure a new loan for a significant investment opportunity, resulting in substantial financial loss. 
XXXX. Emotional and Physical Toll o Over the past several months, I have spent countless hourseach call lasting one to two hoursattempting to resolve these issues. The prolonged stress and inconvenience have taken a considerable physical and mental toll on me.

6. Acknowledgment of Newrez Mistake o Newrez letter dated XX/XX/XXXX acknowledges that the lender-placed insurance was applied in error. Despite this admission, I have had to endure unnecessary hardship due to Newrez erroneous actions. 
Requested Resolution Sincerely,
Product: Debt collection

XXXX from Ally financial continuously calls throughout the day without leaving messages. 5-6 times daily to me and my spouse. No written notices or voicemails. Now they have started calling family members outside of what is on our agreement. We were told by XXXX that he found the numbers through public record to include calling XXXX XXXX XXXX XXXX while XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.