23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

H&R accounts was contacted for a bill of $XXXX that XXXX XXXX XXXX XXXX XXXX   says I owe.Statement date:XX/XX/2019, that they mailed to me on behalf of them. With this bill I cannot read the bottom of the paper as it is too small to see to what number to call. But I called XXXX  and made a payment today on this amount oweing.  At the Emergency room I agreed Agreed to make monthly payments as I had a part time job AT THE TIME, but there was no set amount.  I do have existing medical coverage with my husband's employer XXXX XXXX, and did then.  There was no set date for the monthly payment as it was not offered to me before  I left the hospital that I remember as I was being treated for XXXX XXXX and was trying to keep from passing out.I have a job at XXXX XXXX XXXX XXXX XXXX  and make more money with more consistent hours. I have made a payment today for XXXX XXXX XXXX. I received this collections statement unduly to me as I was unaware that a specific day of the month needed to be made. I am on XXXX DAILY now as I had to get a family Dr. And I'm trying to get better . ALSO I was charged from XXXX XXXX XXXX   their expensive room E.R. without me knowing it until after the fact.
Product: Checking or savings account

I had an account with Navy Federal Credit Union in XXXX which was a back up account that I had minimal funds in. A fraudulent charge was made on the account and I was not aware of the charge until XXXX when I attempted to open up a second checking account and savings account. I was told that I would have to pay {$430.00} since the account was overdrawn at the time of closure because of bank fees and the fraudulent charge which was about $ XXXXThe bank could not tell me if the charge was a debit card charge or a check because the records are no longer available but based on the amount of {$29.00} returned check fees and NSF fees it may have been a fraudulent check. 

I attempted to dispute the charges to no avail and it appeared that my affidavit that I filed fell on deaf ears with the charge off department. I have two new accounts that are open but I cant use them because the charge off department will not deal with my old account fairly and in accordance with their fraud policies. Additionally, the fees they are attempting to extort me in paying are illegal under the terms of the Federal Reserve Regulations passed in XXXX and they are breaking the rules that are in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is report

ing Unknown unauthorized and Unrecognized items and disallowing me to submit disputes for unknown items causing irreparable harm and damage to my credit report. I have disputed the items on my report as they do not belong to me and I have no knowledge and yet they are still there. Other items are inaccurate.This dropped my credit score across all 3 credit bureaus  XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation Federal No Surprise law Act violation by XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Balance Date Opened Collection {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Typ Date Opened Status Collection XXXX XXXX XXXX Collection account. {$700.00} past due as of XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$480.00}
Product: Credit card or prepaid card

re : direct expressdebit card. on XX/XX/2019 iwas charges $ XXXX.on XX/XX/2019 iwas charged {$2500.00}. I reported these fraudulent charges. on XX/XX/2019 I received a credit of {$2500.00} leaving a balance due me of $ XXXX.i have called and written numerous times with no results. please help XXXX XXXX
Product: Credit card

In early XX/XX/2023, I made a purchase on the XXXX website. While completing this purchase I signed up for the NFL Extra Points Visa card which is issued by Comenity Capital Bank. I was particularly persuaded by an offer of a {$100.00} statement credit after spending {$500.00} outside of the XXXX. I received the card within XXXX days and immediately began using it. I met the {$500.00} spending requirement on or about XX/XX/2023. 

Since that time, I have made countless calls to Comenity Bank 's customer service department and they have failed on multiple occasions to resolve this issue. Initially, I was told during a call in XX/XX/2023 that I had to wait 90 days after opening the account to receive the {$100.00} statement credit. I waited 90 days and called Comenity Bank customer service again in XX/XX/2023 to inquire about the {$100.00} statement credit. I was told at that time that I couldn't receive the statement credit because I had a {$0.00} balance. I was told to spend at least {$100.00} on the card and that I would immediately receive the credit. I followed through on this advice and spent over {$100.00}. 

After not seeing an immediate credit, I called Comenity Bank yet again on XX/XX/2023 and spoke to an representative named XXXX. XXXX informed me that the information provided by the prior representatives was totally incorrect and she opened an investigation into the matter. XXXX confirmed I met the promotional requirements and assured me the issue would be resolved within XXXX XXXX 

Today is the XXXX day so I called about XXXX minutes ago to get the status of XXXX 's investigation. I was told by a phone representative that they had a " system issue '' that affected a large number of customers and that there is " no timeframe '' for when it will be resolved. After escalating my complaint to a supervisor named " XXXX XXXX '', I was told that I " should '' see the {$100.00} statement credit on my next billing statement. My experience with this bank has made me very skeptical that I will receive anything. 

Every representative I have spoken to has confirmed that I met the criteria for the promotional offer back on XX/XX/2023. It's been over 6 months and I have not received the {$100.00} statement credit. XXXX Bank continues to advertise the {$100.00} statement credit promotion via XXXX games and the XXXX XXXX website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the FTC and a police report for identity theft and sent it to Equifax along with the acct from the ID theft and a copy of my Id and social. 
XXXX XXXX  XXXX and required by law it must be removed and it hasnt been.
Product: Credit reporting or other personal consumer reports

After opening a secured card with XXXX, XXXX XXXX revealed on XX/XX/year>, my credit score dropped by a surprising XXXX points. I contacted XXXX  investigation office, and they assured me they would look into the situation and correct it if necessary. Since then, Ive been in touch with a representative, XXXX, who recently sent me a letter advising that I contact TransUnion directly, as there was nothing further she could do. Unfortunately, when I reached out to TransUnion, I was informed that the issue appears to be on XXXX  end. 

Although my score has since recovered by XXXX points on XX/XX/year>, it still remains extremely low. Both TransUnion and XXXX have been unable and unwilling to explicitly state what factors impacted my score and have been sending me back and forth to each other with no resolution or transparency. I went from a score of XXXX to XXXX, and its now at XXXX. This has significantly impacted my ability to search for an apartment and has caused me considerable stress. If I can not secure an apartment, I am in danger of facing homelessness.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. if in fact you believe I have receive proper notification please provide the certified mail receipt with my signature on it stating that I have received it.
Product: Mortgage

I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau was sent a letter requesting verification according to FRCA 611 ( method of verification ) of several items on my credit report. You want sufficient proof FCRA procedures were followed and proper steps were taken to verify the dispute as accurate. I have not received the written verification. I would like to see a complete list of all documents and correspondence with. The 15-day window has expired.
Product: Debt collection

Forgot to submit info from credit report of cap one reinsting an account that was discharged in bankruptcy in 2017, not sure why they r doing this,
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX  | XX/XX/2023 : Account number : N/A, Wrong account. Investigate, delete or fix date of last payments. 

XXXX  : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX  : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Mortgage

In regards to my loan that has recently been transferred to SN Servicing Corporation. 

Further, we are requesting and have not received a QWR. There are also irregularities in the modification for {$220000.00} forgiveness amount. Please see modification attached. 

Account number : XXXX Thank you, XXXX XXXX
Product: Mortgage

This is my second request to CFPB to help us with a loan that was submitted and in underwriting with Bank of America. Their response to our first complaint submission was that we were restricted in XXXX of XXXX  over one of us ( Married/Mortgage held together ). We were not given a reason then, but they closed our checking account. They did keep our Bank of America Mortgage and our Bank of America HELOC in place. It now has been 2 1/2 years later and we were solicited by a Bank of America loan person to lower our rate. We discussed the situation from XX/XX/year> and were told " this won't be a problem as you have existing loans with us today and we are just refinancing those existing loans ''. She also mentioned because of our excellent credit and Diamond status with Bank of America we are entitled to even a lower rate. 

We spent countless hours putting together the documentation needed for this loan and was told that everything looks good. We were also advised if we could deposit {$250000.00} in a XXXX XXXX account we would be entitled to a even lower rate. 

After not hearing back I called the Loan consultant and the underwriter and both said they have no idea what happened and Bank of America canceled our loan for no reason they could think of. 

We still have two loans with Banks
Product: Credit card or prepaid card

Since opening this credit card from Citibank through Best Buy, I have made numerous on-time, over the minimum due payments. Now, Citibank is refusing to issue my credit immediately to bring my account current-they will " credit my account in 1-2 billing cycles ''. This is unacceptable. I discussed with them online via secured email, customer service and finally with XXXX XXXX with escalation services to resolve the matter to immediately issue the credit to my account. I can not trust them to issue my credit in 1-2 billing cycles. This is my first experience with CitiBank and will be seeking other companies to do my business with.
Product: Debt collection

Based on the information provided in this complaint, this collection agency can cease and desist contacting me. In fact, this agency initiated phone calls, prior to sending any type of verification/disclosure in the mail of an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

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 I want these inquiries deleted immediately as they are in violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 log onto XXXX XXXX to find that my credit score dropped due to a collection. I never received any letter about any collections or any emails. I also never spoke to anyone from the debt collectors. I did not receive any information regarding this account that is said to have a collection.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding my credit card account ( account number ending in XXXX ). From XXXX to XXXX [ year ], I was XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) due to a XXXX XXXX XXXX During this period, I was XXXX  unable to manage my financial obligations, resulting in missed payments on my XXXX account. 

I have been a responsible and diligent customer of XXXX for many years, maintaining a positive payment history prior to this XXXX XXXX However, due to my unforeseen and unavoidable XXXX XXXX I was unable to make timely payments. 

I am requesting a goodwill adjustment from XXXX to remove the late payment marks from my credit report, considering the extraordinary circumstances of my XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unfair reporting of their credit information. While the FCRA does not specifically address XXXX XXXX, it does emphasize the importance of accuracy and fairness in credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below: XX/XX/2018XX/XX/2018I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Original Creditor- XXXXXXXX XXXX Account # XXXX Amount- {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX ( XXXX XXXX XXXX Original CreditorXXXX Account # XXXX Amount {$520.00} Both companies has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE PROVIDE ME WITH PROOF THAT I WAS OCCUPYING THE APARTMENT AT THE XXXX XXXX  IN XXXX OF XXXX. JUST SHOW ME PROOF PLEASE!!! I will prove otherwise. I disputed a collection effort by the XXXX XXXX. First the XXXX XXXX  accused me of breaking the lease. That is how they justified all of the charges that were tacked on to the attempt to collect false charges. I provided a long paper trial that PROVED the XXXX Apartments version couldn't have been true. We submitted a " notice to vacate '' form on XX/XX/XXXX and I have proof of this. After reviewing my proof, the XXXX XXXX   CHANGED THEIR STORY!!! Now they are saying that they acknowledge our " notice to vacate '' in XXXX of XXXX. But the XXXX XXXX  is now saying that we stayed in the month of XXXX of XXXX as well- WHERE IS THE PROOF??? I am demanding proof that I stayed there in XXXX of XXXX. My husband underwent total left XXXX XXXX On XX/XX/XXXX. This was one of the determining factors as to why we moved out. We were completely vacated by XX/XX/XXXX. I got married on XX/XX/XXXX, went to Hawaii on our honeymoon, returned on the XXXX of XXXX, WE HAD ALREADY MOVED IN WITH MY PARENTS IN XXXX WA!!!! We never returned to the apartment after XX/XX/XXXX. WHERE IS THE PROOF THAT WE WERE OCCUPYING THE APARTMENT IN THE MONTH OF XX/XX/XXXX??????? The XXXX XXXX has XXXX proof that I was there during the month of XXXX. My request is this- PROVIDE PROOF THAT I WAS IN THE APARTMENT IN XXXX OF XXXX??? Utility usage report, video surveillance ANYTHING AT ALL?????? Because I can prove I was living somewhere else during that time. I have proof. I was living at my parents home in XXXX WA with my husband while he recovered from total XXXX XXXX on XXXX. I am asking for proof of the fact that we were there during the month of XX/XX/XXXX. I will show otherwise. Lies can not be tolerated and I will not stop until this is taken off of my credit!!!!!