23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was declined for a department store credit card because of conflicting address information between my application and the credit-reporting agency, even though my XXXXredit score at that time was XXXX. This rejection notice was received at my home address, the one on the credit card application. I sent a reply to Comenity Bank of XXXX Ohio, the bank that manages this particular credit card, with my return address on the envelope. I waited for a statement and when no statement showed up in my mailbox after XXXX months I went to the store where the purchase was made and made a payment in full to the XXXX on duty and thought that I had fulfilled my obligation. Comenity Bank was, I believe, intentionally send the billing statements to the wrong address that was provided by the credit-reporting agency even though Comenity Bank had my correct address and had corresponded with me and received a response from me with my correct address. I had moved and changed my address more than XXXX years before I applied for the credit card. The Postal Service will only forward mail to a new address for a period of XXXX year after the change was made. This time was long up. I apparently was, and still am, being charged for non-payment fees and interest on an account that I believed was paid of in full. Comenity Bank attempted to communicate with me with recorded messages and phone trees and rarely a human being. when I did return a call and talked to a human, ( XXXX ID # XXXX ), all he wanted was an address update which I gave him. Then I received a bill in the mail that was over XXXX XXXX dollars with no explanation o what the charges were for. I did n't pay this bill. I received a second bill and this bill showed a charge for non-payment and interest on the unpaid balance. I will not pay this XXXX either. 

I would like to add that during the time of this dispute that I had changed my phone number, for reasons not concerning this dispute, and Comenity Bank was able to discover this new number and begin sending messages to it. They should have been able to find my correct mailing address too and not keep sending billing statements to the wrong address to intentionally charge me fines and interest on an account that they denied in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan was previously serviced by XXXX. They fraudulently assessed fees on to our account and did not apply payments to our account. We went to court about all of this and the fees were removed but the credit report was never updated. In XXXX of XXXX, XXXX took over the loan. At the time they took over the loan XXXX records showed the account was 2 months behind. So every payment they received from us, they would apply to the previous month because their records showed we were behind. The account was not 2 months behind. They never applied our XX/XX/XXXX and XX/XX/XXXX payment to the account. We have been trying to refinance our mortgage and take cash out to remodel our 2nd floor. We have been trying since XX/XX/XXXX. Every mortgage company that says they can help us, ends up not being able to proceed because of all the late marks on my credit report. On XX/XX/XXXX, I had a conversation with a supervisor from XXXX who did in fact confirm she sees all the fees assessed to the account and then months later they were removed because we took them to court. The supervisor explained to me that they were only responsible for the loan from XX/XX/XXXX through the present. She said if I submitted paperwork showing that the payments were on time they should be able to correct the late marks on their end. She sent me the full mortgage history document and I went through and compared all the payments with the mortgage history. The XX/XX/XXXX and XX/XX/XXXX payments were never applied to the account as a regular payment which is what made the account 2 months behind. I provided XXXX with copies of my bank statement showing the payments were in fact deducted. I submitted an online dispute with all 3 credit bureaus and submitted the information for their review. Not to mention the credit reports are not even up to date. They only show payments through XXXX of XXXX. I need the report updated through XX/XX/XXXX so that my account can reflect 12 months of on time payments and I can refinance and get away from this nightmare. No one will help me. I don't know what else I can do to get this updated or to get the late marks removed from the credit report.
Product: Credit reporting or other personal consumer reports

I have been monitoring XXXX for years preparing for a home purchase. I am able to log in, my info is accurate, and my score is excellent. There is no freeze or fraud alert on it that I can see in my portal. But, when factual data goes to pull it so I can buy my house, XXXX refuses to comply and indicates I need to give a global release. I called XXXX. That doesnt exist. They wont let me lift any freeze, it shows there isnt one, and they stated the only way to get them documents is to snail mail it. This is outrageous. Its not my fault their system wont work. Theyre costing me a house! They couldnt tell me what was wrong. They just told me to mail it. It was a middle finger at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

My loan with Ocwen was transferred to PHH Mortgage. Their loan servicing website is called ( strangely ), " mortgagequestions.com ''. 

I was able to log into this website in the past, although it was very bad and hardly functional ; the registration process was full of errors and took me months of work with PHH just to get my account working. 

Now, for the past several months, the website has been inaccessible due to a bad security certificate. Any web browser will give a message like this one and block access to PHH 's " mortgagequestions '' website : " Attackers might be trying to steal your information from www.mortgagequestions.com ( for example, passwords, messages, or credit cards ). Learn more NET : :ERR_CERT_AUTHORITY_INVALID '' In case you're thinking this is a user error, please note that I have a XXXX. in XXXX XXXX and used to work at XXXX as a XXXX XXXX. The problem is the website, not me. 

Please require PHH to hire an IT team to bring their website online again so I can check on my mortgage balance, make payments, etc etc. I don't think it's acceptable for a servicing company 's website to be inaccessible for many months in a row. 

And of course, I don't have a choice here as to who services my loan, so I have zero leverage with this terrible company.
Product: Credit card or prepaid card

I purchased a Frontier plane ticket using my Frontier Airlines XXXX XXXX on Saturday, XX/XX/2022, from XXXX, WI to XXXX XXXX for XX/XX/2022 - XX/XX/2022 ( Confirmation Number XXXX {$230.00} ). On Sunday, XX/XX/2022, I realized that I booked my plane ticket for the wrong dates. I called Frontier Customer Service and was told since I booked the flight less than 24 hours ago, I could rebook the flight with the correct date using the Confirmation Number XXXX to cover the cost of the flight and not be subject to a change fee. 
After my phone call to Frontier Customer Service, I rebooked my flight for the correct date XX/XX/2022 - XX/XX/2022, using my original Confirmation Number XXXX. After rebooking my flight, I received a new Confirmation Number XXXX & the plane ticket cost me {$200.00}. 
I received my Frontier Airlines XXXX XXXX statement with both airline tickets on my statement. I called Frontier Airlines XXXX XXXX to dispute the first airline ticket ( Confirmation Number XXXX {$230.00} ) since that was the flight I never took. Frontier Airlines XXXX XXXX sent me a letter stating that they finished with the investigation & I just received my Frontier charge card statement stating that my bill is {$200.00} ( the cost of the rebook Frontier plane ticket ). 
Why is Frontier charging me for 2 plane tickets & I only took 1 flight? I paid the {$200.00} for my flight.
Product: Debt collection

THIS COMPANY IS ASSISTING IN FRAUD. sent company documents attached as a response The Company did send me a itemized letter that was not a VALID PROOF OF DEBT OF VALIDATION and VERIFICATION... .I was SENT A BILL WHICH IS NOT LAWFUL TO THE FCRA. THE COMPANY COMPLETELY LIED WITH FASLE STATEMENT OF MY ADDRESS NOT BEING DELIEVERABLE BECAUSE I HAVE A LETTER FROM COMPANY on XX/XX/2022 of a BILL NOT Wet ink Signature Proofing debt and I recieved a BILL that violates my HIPPA RIGHTS. I WANT REMOVED IMMEDIATELY OR LEGAL ACTIONS WILL BE TAKEN. CURRENTLY BECAUSE YOUR COMPANY CONTINUE TO REPORT FALSE DEBT WITHOUT PROOFING AUTHORIZATION OF DEBT ALONG WITH VIOLATING OF MY HIPPA PRIVACY RIGHTS, YOUR COMPANY IS CURRENTLY ASSISTING AND ABIDDING IN FRAUDULENT ACTIVITES AGAINST MY CHARACTER/ AND MY CREDIT REPORT AFTER PROOFING AND SENDING DOCS ATTACHED STATED VICTIM OF IDENTITY FRAUD WITH POLICE REPORT STILL COMPANY TRIES TO PROVE LAWFUL TO OBTAIN FALSE FRAUDULENT DEBT EVEN WHEN VIOLATING MY HIPPA RIGHTS AND NO PROOF OF WET SIGNATURE JUST BILL THAT ANYONE CAN DO FRAUD IN MY NAME TO GET.
Product: Credit reporting or other personal consumer reports

I would like to dispute off these negative accounts on my credit report. 

EXPERIAN : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX BANK SS Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX of XXXX : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX XXXX  acct # : XXXX
Product: Debt collection

Portfolio Recovery is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several  accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to XXXX XXXX was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXXXXXX XXXX : {$20000.00}
Product: Credit reporting

Experian keeps reducing my score by XXXX points due to a late payment and I have no recent late payments I have to spend an hour on the phone once a week to get them to correct they keep doing this because I am disputing an item that they should was late almost 2 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. XXXX failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with XXXX. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two inaccurate accounts listed on my credit report : XXXX XXXX XXXX Account Number with a balance of {$21000.00} I am not the owner or personal guarantor of this account. 
XXXX  Account Number : XXXX This account is inaccurately associated with me. 
I have already filed an FTC Identity Theft Report, which I am including as supporting evidence. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], you are required to block these accounts from my credit file within four business days of receiving this report and my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud accounts on my credit report and I informed Transunion several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX # XXXX XXXX XXXX : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX  and they informed me not to make a payment till the dispute is in progress for XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress foXXXX XXXXXXXX XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account.
Product: Debt collection

On XX/XX/2022 I spoke with XXXX XXXX of National Credit Systems and requested a debt validation letter for an account in collections for {$530.00} for XXXX Apartments by mail or email. The debt validation letter was never received by mail or email.
Product: Mortgage

I found out my house is set for a property foreclosure sale XX/XX/2020 recently by someone coming to my house asking to buy my house. I filed bankruptcy to keep my house from being foreclosed a few months ago. I did not get a foreclosure letter from the Foreclosure attorney XXXX XXXX XXXX or Rushmore. I sent documents and request for mortgage modification to Rushmore my mortgage servicer. Contacted Rushmore XX/XX/2020 spoke to XXXX, ID # XXXX asked what was the status of the modification that was submitted. He said that the file was reviewed on the XXXX of XX/XX/2020 and a letter had gone out to me. He said they received a call from me XX/XX/2020 and I was told verbally what they needed. He said it has been 37 days and the file would not be reviewed for a mortgage help. I have not spoke with anyone from Rushmore and my husband has not either. I have not received mail from Rushmore requesting information. XXXX was rude and unwilling to help me save my home, the state of Tennessee says I'm suppose to receive a letter 30 days before a sale date is set for my house. I have not receive any letters
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Debt collection

On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

The company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original binding contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.
Product: Checking or savings account

On XX/XX/18, I decided to open a new bank account with Simple. I currently have an account with Capital One 360. Once the Simple account was opened, obviously I wanted to transfer funds over from my Capital One account however I received the message " Capital One is blocking you from enabling external applications ''. I called Capital One customer service to see if this could be bypassed and they simply told me there was nothing they could do because it's a " newer technology '' despite Simple being around for several years now. I understand this may be a security measure, but there's no reason they should get to decide for me what I can and can't do with my financial data.
Product: Credit card or prepaid card

I opened up a credit card and put down an {$800.00} deposit over a year ago. Citibank closed my account on XX/XX/XXXX and did not notify me and then accepted a payment on the account of {$550.00} on XX/XX/XXXX even thought they had a deposit on hand to clear the account balance. Ive received multiple responses from their customer service department In the last 4 weeks about getting the remaining deposit back. The representative have stated it would be returned anywhere from two weeks to 60 days and it changes with each call. Citibank reps state they wont credit the remaining balance on the account now until the cycle closes which is XX/XX/XXXX using the deposit so Im being charged interest on money Ive already paid. The representative today would not give me final refund total although I expect its around {$390.00}. They now are saying they need to issue a check and wont do an electronic deposit. The customer service person I spoke to today said she requested an expedited request but cant guarantee the check will go out. Told it could take 30 more days. I need the funds and Ive waited 30 days. Im not sure why I cant just walk into a branch and get a refund or why they cant refund electronically. Thats how they received the deposit in the first place.
Product: Debt collection

The following company has recently caused me financial grief in the form of harrassment and falsified reporting of inaccurate and fraudulent information on my personal credit file. The company has submitted documentation imitating to be legal entities of the court, and has repeatedly violated multiple FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my child support and was sent a termination letter to me and my employer. about 30 days later I received a phone call that they had found items they had missed and were sending another letter to my employer to take weekly payments. Nothing I could do, if they had not missed this I would have had it paid by now. Now they have put this on my credit report as a default loan! This is unfair to my credit report. I paid this off and was their fault they missed an attorney fee from 18 years ago. at least this should just show as XXXX loan not past due.