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

IN XX/XX/2020, MY UNEMPLOYMENT BENEFITS DEBIT CARD ISSUED BY BANK OF AMERICA WAS MAILED TO THE ADDRESS THAT I HAD ON FILE. AT THE TIME THE CARD WAS DELIVERED, I WAS INCARCERATED AT THE XXXX XXXX XXXX  ADULT DETENTION FACILITY IN XXXX XXXX, CA. THE DEBIT CARD WAS STOLEN AND THE FUNDS WERE WITHDRAWN FROM THE ACCOUNT TOTALING {$15000.00}. UPON RELEASE FROM JAIL I IMMEDIATELY WENT TO THE LOCAL POLICE DEPARTMENT AND FILED A FRAUD REPORT IN REGARDS TO THE STOLEN DEBIT CARD AND FUNDS. I FILED A FRAUD CLAIM WITH BANK OF AMERICA AS WELL. I SUBMITTED ALL THE DOCUMENTS THAT VALIDATED MY CLAIM THAT I WAS INCARCERATED AND THEREFOR COULD NOT HAVE BEEN THE ONE TO RECEIVE THE DEBIT CARD VIA MAIL. DESPITE ALL THE EVIDENCE THAT THE BANK RECEIVED, THE BANK HAS IS REFUSING TO CREDIT ME MY MONEY THAT WAS STOLEN FROM MY ACCOUNT. THE BANK HAS GIVEN ME FALSE INFORMATION SEVERAL TIMES STATING THAT THE CREDIT WAS GOING TO BE APPLIED TO MY NEW DEBIT CARD, HAVING ME WAIT MONTHS FOR MONEY THAT WAS NEVER COMING. DUE TO THIS FRAUDULENT ACTIVITY, I HAVE BECOME HOMELESS AND UNABLE TO FINACIALLY SUPPORT OR CARE FOR MYSELF. HOW CAN THE BANK REFUSE TO GIVE ME MY MONEY WHEN THEY HAVE PROOF THAT IT WAS STOLEN? IS THAT NOT WHAT THE BANKS INSURANCE IS MEANT TO COVER?
Product: Credit card or prepaid card

In XXXX of 2022, I repeatedly attempted to pay my Victorias Secret credit card bill with Comenity bank on their online app/portal. I continued to get an error, and therefore was unable to pay my bill. I have screenshots to back this up. I then attempted to use the online chat, which also did not work. 
I was charged a {$30.00} late fee, with other interest. I always pay all my bills on time and IN FULL. The companys faulty system made it unable to do so this time. 
I emailed repeatedly, and never received a response. I filled out a XXXX  complaint, and was told that the business will mail me a letter with their findings. I have still yet to receive such letter. Note that XXXX has NUMEROUS complaints on XXXX  website, and all responses I see claim that they will mail a letter. I wonder how many consumers actually received a letter? 
XXXX  should not ignore their customers and charge them for their failures. It should be very simple to reverse a late fee that was their own fault instead of claiming theyll mail a letter that never gets sent.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove accounts : cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX - eq XXXX INQUIRIES : XXXX  XX/XX/year> XXXX XXXX I XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : CAPITAL ONE XXXX Balance Owed : {$1100.00} ; CAPITAL ONE XXXX Balance Owed : {$7400.00}
Product: Debt collection

This company left a voicemail on my phone, my Mom 's phone, my Grandmother 's phone, and my Sister 's phone ... It's the same voicemail.

I got a call from this XXXX number today, XXXX The message is automated and does not state who they are or that they are " attempting to collect a debt. '' They call repeatedly from other phone numbers, XXXX XXXX and when you call back it goes to the voicemail of XXXX XXXX. WHO IS XXXX XXXX?

This is a confidential message for ** if you are not ** you must hang up now. Hello, this is XXXX  ( I can't make out the last name ) and your account has been audited internally and you do need to call our office before scheduled advancement of your account. This will be the final call the phone number is XXXX we do have authorization to offer the following below blanket settlement on your balance of XXXX  a 40 % settlement of XXXX  a 60 % settlement in 3 payments a 80 % settlement in 12 payments of XXXX. Settlements must be setup within the next two days please call XXXX  again it is important to put a hold on your file today thank you to pay online go to XXXX and click on the login you will need your account number and zip code your account number is XXXX and your zip code is XXXX.

Have never received anything in writing and they are leaving these voicemails with my personal information on other 's phones. The first call I received was XX/XX/XXXX from XXXX and I have not received any written information about this supposed " debt. '' Direct Recovery Services is the supposed name of this company. When you log into that website, it asks you for the account number and zip code and then provides my name and last four of my ssn, so anyone could login and get my personal information.
Product: Credit card or prepaid card

I purchased a refrigerator at a Best Buy store for {$2100.00} and in the process was offered a Best Buy/Citi credit card. I was told by the sales rep that the card offered 10 % cash back and a 0 % introductory interest rate. I agreed to apply for the card, but, as I was completing the transaction and application, a manager showed up to assist the sales rep and said that actually the card offered 10 % cash back OR a 0 % introductory interest rate. I was a little frustrated but proceeded to open the card and chose 10 % cash back. At no time was I provided a brochure with the terms of the card. 

When the card arrived in the mail, I registered the card online and discovered that the actual rewards were 5 % back in Best Buy reward certificates that could only be used in store or online. Because of my significant purchase, I was expecting {$210.00} in cash rewards but instead received what was actually a {$95.00} Best Buy certificate ( online account indicates that rewards accrue in increments of {$5.00} and I guess the calculation for the points excludes tax, but I am unsure ). 

Misrepresenting terms to customers to sell credit cards is plain wrong. I closed the card but am out the expected cash rewards and have had my credit score impacted.
Product: Debt collection

Keynote Consulting calls me repeatedly, multiple times a day. Im working to try to figure out my debts and challenge those I didnt have information about. Im currently unemployed with XXXX XXXX children. I agreed to a settlement and a payment plan once I knew the debt was legitimate. The agent who called demanded XXXX a month. When I said we might be able to do XXXX he got aggressive and rude and cancelled my settlement and began harassing me. I tried to ease the conversation and tried to tell him when I would be able to make a payment and for how much. He immediately lost his mind and began cursing and yelling and threatening me. Saying he was going to take further action against my family. He was horrible and derogatory. He kept threatening to make my credit worse and made me upset and scared. He screamed he was done talking to me and yelled over me and then hung up after finishing threatening me. 
I am also struggling with XXXX, physically and mentally. Ive been in and out of treatment for a while and can not handle this kind of treatment as it takes me back to really bad times of my life. The stress landed me in the XXXX  for a XXXX XXXX.
Product: Mortgage

We carried a mortgage with another company and then found out that our mortgage had been sold to a company called Freedom Mortgage. We hit hard times when my husband lost his job after XXXX years. We went to our mortgage company and tried to modify our loan until we could get back on our feet, sent us paperwork to fill out and send back in which we did with our documents, we faxed them continuously and we mailed them, each time they told us they never received our documents. We in return resent documents time and time again and with no fail was told they did not receive them. We then had to go through mediations and worked with a lady named XXXX and explained to her what was going on, she also faxed the documents to the company and once again they said they did not receive them. Now we have to go through loss medigations because our home was being foreclosed on. We went to Save the Dream for help and sent in paperwork and was told that they could not help us because we were in foreclosure, this was XX/XX/XXXX, come to find out that they said we did not submit documents to them either. After doing some research I discovered that Freedom Mortgage was a preditory lending company with XXXX XXXX attached to them of course this was after my home, my family home that my parents had built XX/XX/XXXX had been foreclosed on and sold in a sheriffs sell. I feel as though we were set up for failure from the very begining of trying to save our home, we tried to get help in every way we knew how to. Freedom Mortgage never had any intentions in working with us to save our home. We fought with everything we had to save our home just to have it taken away from us. I am XXXX and had told them that and it still did not matter to them. No one should have to go through this even though there are so many families out there that are loosing there homes to companies such as this. We even had to file bankruptcy to stop foreclosure to work on getting help.
Product: Checking or savings account

I was supposed to receive {$300.00} for depositing {$200.00} a month for 3 months. I met the promotional terms but th the {$300.00} was never credited to my account.
Product: Mortgage

To Whom this may Concern .... my wife and I have a mortgage through a company called Ditech. Around XX/XX/2015 I was released from my job, at the time I was making around {$48000.00} a year. Immediately after I was released I contacted Ditech to keep the communication line open just in case I fell behind with the payments they would know why. To make a long story short this company has been harassing us to no end, when I tried to make the past due payment last year around XX/XX/XXXX one of the customer service reps told me that I did n't have a payment due at that time and I was told to make my regular payment on another date. NOTE : THIS IS ONE TIME THAT I WHISH THE PHONE CALLS WERE RECORDED LIKE THEY SAY THEY ARE BECAUSE THEY WOULD CLEARLY HEAR THAT CONVERSATION AND HOW I WAS GIVEN THE WRONG INFO. So with all that being said I never lost communication with Ditech and I 've been trying my best to work this situation out with them. Then I 'm told that I qualify for a modification, so my wife and I submit all the documents that they asked for at least three times and every time they kept telling us that we did n't submit the proper paperwork in time. After communicating with these people on a regular basis they still sent someone out to post notices on our door and when I asked the rep Why were they doing that? he told me that they do that to make sure the property is being occupied so I tell him is all they have to do is ring the doorbell because we 're home each time they do it, it 's embarrassing.Finally I work out an agreement to pay an additional {$600.00} to my regular mortgage payments to try to catch up on the past due payment and these payments are set up to come out of my account automatically but do the harassment stop ... .no it gets worst now they are sending us certified forclosure letters and to make matters worst the letters are going to our neighbors houses. Please is there anything that can be done to stop this harassment, I can see if I had n't been communicating with these people but I have been up front with them since last year and they still are harassing me over one payment and some late charges. Now I 'm making {$52000.00} a year and have been trying my hardest to catch up not just with my mortgage but with other bills also. It 's seems to me that they do n't want to work this out
Product: Debt collection

I am writing to demand the immediate removal of fraudulent accounts from my credit report. It has come to my attention that there are unauthorized accounts listed under my name, which I believe are the result of fraudulent activity. 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
Product: Debt collection

They have been harassing me for two years. Over a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX that I can not pay because I am XXXX. They have asked me questions/said comments such as where does your money come from? Cant you ask a family member or friend to pay it? How do you pay your bills if you are XXXX? Can you take out a loan or sell something of value? Thats just a few of the unlawful things they have said to me. 

They have called me up to 8 times a day sometimes, sometimes at XXXX, sometimes in the middle of the day, and sometimes late at night around XXXX. 

THE BIGGEST COMPLAINT : they have for the last 6-8 months removed the debt from my credit report and then move it to my husbands credit report ( which I NEVER gave them his info! ). Then they will take it off his and move it back to mine. MANY TIMES! I have proof of this! 

YOU HAVE TO STOP THEM! They are abusive and harassing and should be shut down. I have contacted the original biller at XXXX XXXX XXXX XXXX XXXX and they said they can not help me. 

PLEASE STOP THEM! They are ruining my credit and my husbands ( which they were NEVER GIVEN PERMISSION TO DO & I NEVER GAVE THEM HIS INFO! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and fraudulent loan made in XX/XX/2018. I identified this at the end of XXXX, filed a police report. I Spoke with the loan agency ( XXXX XXXX ) who agreed this was fraud. I filed a dispute with Expirian, and XXXX. ( XXXX required the police report which took a few days to receive ). Expirian then asked for the police report which i furnished through their online portal at the end of XXXX. 

Expirian, then reported that this was not identity fraud and the transaction should stay. XXXX   investigated and determined this was fraud and removed the transaction. i then asked expirian again to dispute. I called experian several times asking what documentation was needed from them to remove this transaction. First i was told they never received the police report. so i uploaded another copy. then i called back to confirm that they had received the copy. Then they said the police report was NOT valid because the name of the police officer had been blacked out. I confirmed with the police department that this was protocol since the officer was undercover, part of the gang unit. They also suggested that XXXX   XXXX did not consider this fraud. XXXX XXXX had been in regular contact with me. i had signed and affidavit and they had confirmed it was fraud as demonstrated by transunion which also confirmed XXXX   XXXX knew this was fraud. I offered to furnish expirian with both the phone number for the police department working on the case AND the number for the XXXX XXXX fraud investigator who could confirm it was fraud ( i offered to call both while on the phone with the experian rep ). THey declined both offers. they suggested i get a letter from XXXX  XXXX stating this was fraud, which i am willing to get, but i asked them for what specific criteria needed to be included in the letter for them to accept this document. They had no predefined criteria that would guarantee that they would even accept this letter. Everytime i called Experian they gave me a different reason why they could not resolve this dispute. They put the blame on XXXX XXXX, but as mentioned when i offered to call my contact at XXXX XXXX they declined. XXXX  contacted XXXX XXXX and XXXX XXXX confirmed this as fraud. I also asked experian who they were contacting at XXXX  XXXX ( so that i could have the XXXX XXXX  fraud investigator call the appropriate division at XXXX XXXX ). They said they could not furnish this information. This involved multiple called with multiple people at Experian giving me different answers each time as above. All while still keeping a fraudulent transaction affecting my credit score.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or GOLDMAN SACHS AND CO XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Checking or savings account

At approximately XXXX I was awakened by emails indicating that someone was attempting to open banking accounts in my name
Product: Credit reporting or other personal consumer reports

I contacted Equifax to see why Child support is on my consumer report when I no longer owe a balance on that child support order. This account is reporting in accurately according to the FCRA all accounts must be reported correctly and accurately. Please remove this account from my consumer profile to prevent future litigation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXXXXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( XXXXILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In Cortez v. Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.