23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a supplemental property tax bill that was due XX/XX/2020 that I attempted to send to The Money Source multiple times through their website, mobile app, and email so it could be paid through my escrow account. I have email records proving that I sent it as recently as XX/XX/2020, acknowledged by The Money Source. 

The paper bill contains two bills with different payment dates. One on  XX/XX/2020 for {$2200.00}, and the other on XX/XX/2020 for {$2200.00} The Money Source 's XXXX XXXX told me by email to call the XXXX department directly, which I did. They informed me that the bill would be paid directly by my escrow account and that it was unnecessary to call them. Regardless, they asked me for the XXXX numbers which I provided and said everything was in order, and I didn't need to contact them further. 

On XX/XX/XXXX, I received a delinquent tax bill requiring an additional {$240.00} because The Money Source did not pay the bill yet and it was late. I provided the delinquent bill by the website, mobile app, and email, and then also called them. I spoke with XXXX from the Customer Care Team ( extension XXXX ), who told me I would be called the next morning by XXXX on his team ( extension XXXX ). 

Both parties confirmed that they could see I sent the original bill on XX/XX/XXXX by email, and that my call to The Money Source 's tax department had been logged on XX/XX/XXXX. They confirmed the call had been recorded, and also confirmed that they had a copy of the delinquent bill I had just sent. 

XXXX connected me to the tax department, and confirmed to them that I had definitely sent the original tax bill on time, and spoken with the tax department earlier in XXXX. The tax department said they didn't pay the bill because it was a supplemental tax bill, and that I needed to call the tax department before they would pay it from my escrow account. I confirmed that I had spoken with them, and XXXX could confirm from her records and was able to verify that all the documentation had definitely been sent. The tax department said they would research internally and get back to me. 

However, the next day, they paid the tax bill - but also charged my account anyways for {$240.00}. They have not responded to any inquiries on refunding the excess charges to my account for the late payment that they made and have basically disappeared / are refusing to respond to my inquiries.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

Venmo froze my account for no reason! XX/XX/2022 I received an email saying that my account was frozen and to verify my identity which my identity has already been verified. They then told me that wasnt the problem. That the problem was a series of activities that happened recently with my account which doesnt make sense because I barely use the account! Even while my account is frozen my bank transfer of XXXX was added to my Venmo balance. I already had XXXX dollars in the account when it froze. So now I have XXXX dollars in a frozen account that they refuse to unfreeze. I did not violate any terms of their agreement for my account to end up frozen.
Product: Credit card or prepaid card

XX/XX/XXXX : I received an email from Capital One saying Ive been selected to check if XXXX pre-approved for a card. Since I have a checking account with them for many years, I decided to enter my information, and the system showed that I have been pre-approved for few of their products. Among those cards, I decided to apply for Venture card. And I got approved right away. 
XX/XX/XXXX : I received my credit card. I used it to pay global entry fees {$100.00}, and permit application fees from XXXX XXXX, CA around {$500.00}. 
XX/XX/XXXX : I received a voice message from Capitol One fraud protection, and they restricted my card. 
XX/XX/XXXX : I contacted the customer service several times. Finally, they told me I need to upload my SSN, 3 months bank statements, and my driver license. I did what they wanted me to do right away. Because I would like to remove the restriction, and proof XXXX the account owner. And this is not a fraud. 
XX/XX/XXXX : After reviewing the materials that I uploaded, they decided to close my account without even calling me to explain the reason behind this. 
XX/XX/XXXX : I received a mail telling me that my account has been closed since XX/XX/2023. I contacted customer service many times for membership fee refund. They all stated that the account was closed, so theres nothing they can do to help me with. If the company is not willing to return my annual fee, they need to fulfill their card benefit which is reimburse global entry application fee {$100.00}. Customer service representative told me they can not do that either.
Product: Money transfer, virtual currency, or money service

the date was XX/XX/year> I believe unsure of the time. The total was XXXX. I believed it to be unauthorized because I lost my phone with all my cards inside while I was walking my dog in my apartment complex. And had multiple unauthorized transactions made.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Inquiry is unauthorized according to 15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX dated XXXX, XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  dated XXXX, and XXXX XXXX XXXX dated XXXX
Product: Credit card

I received a Best Buy ( Citibank ) credit card in XX/XX/XXXX and was entered into a non disclosed " debt protection '' service that I did not agree to. I have also never received a mailed statement. I 've been receiving random " thank you for being a Citibank customer '' letters but nothing with a balance until recently. In XXXX, I discovered a balance of over {$900.00} on what was originally about {$1200.00}. I was confused because I 've paid more than {$300.00} in XX/XX/XXXX alone. I contacted Citi, who first informed me of this non disclosed service. I called the third party company but, after XXXX times of calling, I would not receive any proof of signing up for this service. I 've contacted Citi and placed my account into dispute, only to find out I was in the wrong type of dispute ( disputed for fraud ). I attempted to contact Citi and was on the phone for over four hours with them as I was being transferred from XXXX person to the next. It was extremely frustrating because XXXX person was contradicting the other and then I 'd be transferred again. I 've been trying to get a payment history and a balance of what my amount should be, minus the debt protection services. I could not receive an answer. It was my belief the credit card should be paid off or close to and I was prepared to pay the balance. Due to the non disclosed service, I was unable to pay the $ XXXX that was due at that time and was " awarded '' a giant interest charge of over {$1200.00}. I 've tried to work with Citi and it seems I 'm getting nowhere. I googled my problem and found numerous other people had the same issue, including a {$XXXX} XXXX payout to Citibank customers ( https : XXXX ) which I was unaware of. In the end, this dispute has delayed me refinancing my house and if this does not get resolved in my favor I 'm not going to be able to because it 's severely hurt my credit score. I do n't know where else to turn and unsure if I should blame Best Buy, Citibank, or the debt protection company. Please Help me!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed chapter XXXX bankruptcy in XXXX 2013. My house was not included in the chapter XXXX bankruptcy. I have tried multiple times through my attorney and wells Fargo mortgage company. This is not being reported accurately on my credit report. It has brought my credit down and i am not getting credt for my house payment. When I do call the attorney he said there is nothing he can do about it. Wells Fargo also has stated the same thing. I have tried for 31/2 years to get this corrected. I need help so i can refi my home asap. I do not know where to turn at this point.
Product: Debt collection

I am growing extremely frustrated with the daily emails and calls I continue to receive regarding a debt I have repeatedly stated I have no knowledge of. Despite making it clear that I am unaware of the debt in question, they have persisted in contacting me. I have informed them that this constant harassment is unacceptable and highly disruptive to my life, especially as I am dealing with personal matters. I demand that all communications cease immediately, as this behavior is not only unprofessional but intolerable which they refuse
Product: Student loan

Navient is practicing predatory lending with my private school loans which are over 120,000 in debts that continue to grow even though I make payments. These loans are designed so that I can never pay them off. They have created an undue hardship on myself and my family. I have had these loans over ten years and the balance is greater today than when I first took them out. I will never get them paid off at this rate. This is against the law and I want Navient to forgive this debt to avoid a lawsuit.
Product: Credit reporting or other personal consumer reports

Hello I am XXXX XXXX i am reaching out to delete the following information on my credit profile. The items listed in the report are not mine and need to be removed immediately, i am a victim of identity theft. I reported the theft of my identity to the FTC and also have enclosed copies of the Federal Trade Commission identity affidavit. Please delete these items as soon as possible to correct my credit file. Thank you for your time.
Product: Credit card

I have been using apple products since 2006 I purchased the very first XXXX and I am a loyal apple customer For the past 18 years I have consistently been denied any credit whatsoever and every time I apply to XXXX less than XXXX dollars I am denied Apple claims that I have delinquency but I have no debt nor do I have any credit in my accumulated credit in my report my current available credit is XXXX because I have no credit whatsoever How can I build credit if I am constantly denied the opportunity to even initiate credit
Product: Debt collection

My recent credit report shows several accounts that appear to be fraudulent and were included without my awareness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXX/XX/XXXX {$420.00} placed in collection from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$560.00} placed for collection from XXXX XXXX XXXX. XX/XX/XXXX {$770.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX {$1200.00} placed for collection from XXXX XXXX. XX/XX/XXXX {$1500.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I was talked into a commercial savings account and a personal checking account when I had large cash on deposit with M & T Bank. I was informed that I would make more interest earnings this way and that was the best suited for my needs. It turns out that the combination of accounts was best for the bank manager 's bottom line. The " fine print '' was truly fine print that I could not read with reading glasses, but learned over months that the bank did not care about me as a customer. When the cash dwindled, bank treatment of me as an individual also disappeared. Now I do not access to the " secured '' correspondence on their website to prove the agreement I had with a regional vice president that would have solved this entire complaint back in XXXX 2015. This high ranking bank officer would not answer my follow up correspondence, by being absent on the solution, the wrongful fees were turned over to an in-house collection employee in addition to listing me with a banking industry credit " bad list ''. I 've been banking with M & T for close to 50 years and NEVER got such bad treatment or this kind of threatening action that other financial institutions ( if not credit bureaus ) will deny me checking & savings accounts, when they see my name. I want M & T Bank to come back to the agreement reached by the Regional Vice President and me back in XXXX, remove the bank fees that are outlandish by nature of the types of accounts forced into, and the Bank being prohibited from listing me with that all credit bad lists. When evidence is shown that their employees misled me on the advice I sought for following the account rules, I should not have any charges fee against me on the multiple accounts. I would also request that some of bank employees be coached or reprimanded on their mis-information and their non-action on my requests to cancel ACH 's that seem to only benefit the receiving vendors.
Product: Credit reporting, credit repair services, or other personal consumer reports

iaccordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

I AM NOT THE " XXXX '' that owes this debt! How many XXXX times do I have to tell XXXX XXXX XXXX " XXXX '' that I have NEVER in my life lived in XXXX! If anything, I believe that this is a case of credit fraud! XXXX can NEVER EVER prove I lived in XXXX I can sure as XXXX prove I never have!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to unfreeze my credit report. I tried online, it didn't work. I have called 6 times, been hung up on 6 times. Then I finally called the corporate line, got transferred to a person, she said her computer froze and then " transferred '' me but actually hung up on me. I called back again and was told that I failed the questions ( the ones that I didn't answer because her computer froze ). Then was told that there was no way to unfreeze my credit report. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct my disputes with XXXX, XXXX, and equifax. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries from XXXX XXXX on XX/XX/2021 and XX/XX/2021 were supposed to be soft inquiries. I did not apply for a mortgage, Nor do I have a mortgage on my credit report. 

The credit inquiry from XXXX XXXX was supposed to be a soft inquiry. I do not have a credit account with XXXX nor XXXX on my credit report.
Product: Student loan

There are closed Nelnet Accounts from XXXX  on my credit report that still show late payments. Accounts were transferred to new accounts with Nelnet, and I was told that accounts would be removed from credit report as my address & phone number was incorrect when payments were late. Please remove these closed accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  closed account showing as balance. 
XXXX closed account showing as balance. 
XXXX XXXX  closed account showing as balance. 
XXXX XXXXXXXX XXXX XXXX XXXX closed account showing a balance. 

It is against the law to show balances on closed account according to the FCRA. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company negligently stored user data without encryption resulting in my personal information being accessible to anyone online. I am now at a much higher risk of having identity theft in the immediate future, and possibly for my entire life. 

While they did not personally release this information, and the information was obtained through an illegal hack of their website, they had gross negligence when handling my personal information.
Product: Debt collection

My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX for the amount of {$110.00} which XXXX claims to have sold to LVNV Funding, aka Resurgent Capital Services located at XXXX , SC XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They continue to report this on my file with XXXX who have reported this debt as being disputed, but LVNV Funding, aka Resurgent Capital Services has not updated this debt as disputed. Therefore, they have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

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

On or around XX/XX/XXXX I disputed an account on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX the account is noted on my credit report as " consumer disputes this account information '' This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit report still reporting negative. Consumer Adjustment has failed to provide me with supporting documentation that this account is legally my responsibly. The account listed shows the original creditor as being " XXXX XXXX XXXX '' with an amount owed of {$650.00} - date opened XXXX I have personally never held an account with this organization. Consumer Adjustment is reporting this account incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the XXXX year reporting mark as it was originally filed as a XXXX  XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a vehicle before i went to the dealership i went there with a XXXX  XXXX auto  preapproval loan. they told me that they use XXXX XXXXXXXX as a bank lender. when i got there they decided to not even use my XXXX XXXXXXXX auto approval and ran my credit with other companies without my consent. because of the fact they didn't have XXXX XXXX XXXX as a bank that they work with. instead of buying honest just to make a car sale
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXXXXXX XXXX ) XXXX Account XXXX