23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX ( XXXX ) XXXX, is reporting a debt on my credit report that I have no knowledge of. I filed a complaint and requested validation of the debt. Their response is attached below but basically they cant verify the debt and said they themselves are requesting validation of debt. 

My question is, if they cant validate the debt now, how did they validate it when I requested a TransUnion to investigate earlier this year? 

Also XXXX XXXX XXXX  Acc # XXXX response is they will send it if and when they receive the information. 

This whole situation is not right and it is causing me a lot of stress.
Product: Credit card or prepaid card

I responded to a marketing offer for XXXX XXXX XXXX miles if I opened a credit card account with Citibank. I had to make {$3000.00} in purchases within the first 3 months of opening the account. After I fulfilled this requirement, I never received the promised XXXX miles. When I called to complain, XXXX at the XXXX Florida call center told me I was not eligible for the offer because I had a similar account open within the last 24 months. However, he would not tell me when the past account was opened and closed. 

Two points 1 ) I believe it was more than 24 months between my closing the previous account and opening the new one. 
2 ) If Citibank had no intention of fulfilling their part of the deal ( ie. XXXX miles ), they should have notified me of that fact when I applied. The fact that they did n't means they made a deceptive offer to me and knew they were deceiving me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late
, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/year> and noticed an account XXXX XXXX XXXX  XXXX that was not reporting accurately. I have XXXX missed payment in XX/XX/year> reporting XXXX days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to Bank of America. However, Bank of America is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the Bank of America loan was {$530000.00}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$100000.00} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {$2500.00} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

Bank of America ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$100000.00} for late fees and interest according to these documents. In XXXX of XXXX, {$140000.00} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$490000.00}. Now, XXXX  years later with no cash out refinancing ever done, its totaling {$610000.00} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, Bank of America again began servicing this loan, after I was removed and their records shows a principal adjustment of only {$140000.00}, and a balance of {$380000.00}, which would be a total balance of XXXX, not the XXXX. I have attempted to write Bank of America, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by Bank of America and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX  years. This is fraud on so many levels.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX till now which is XX/XX/XXXX they are taking out XXXX a month to help me pay my school loans. Which they aren't I have talk to my school loans and they have said if I paid someone to help which it would be a scam.
Product: Debt collection

This company called ASG XXXX XXXX XXXXXXXX XXXX ), keeps calling my cell phone for the wrong person. I don't know what the debt is about. It's clearly not mine. They are calling for a man. I am a woman. My cell phone number is registered in my name, not the man they are calling for. It's some sort of robocall. When you call them back to tell them, they have the wrong number, it's a recording and they want you to leave your personal data ( something I am not willing to give this company, I do not know ), as a message, then they say, will remove your data.
Product: Credit reporting or other personal consumer reports

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in four business days. I have had a data breach issue and trafficking, all legal documents and proof of sworn affidavits have been given to Experian and they have failed to comply with removal of all items within the four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, there were several negative collection accounts disputed and removed from my credit report but Experian did update and increase my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Product: Mortgage

My husband and I have been trying to purchase a home for over a year. XXXX year ago, we were unable to obtain a loan with 100 % financing. In XXXX of 2022 we contacted a realtor to try for a second time. Our realtor informed us that he knew of a lender with a 100 % loan program. We spoke with the lending officer to inquire about the loan program he informed me that part of the loan would cover the down payment and part goes to the closing cost. 

An application was taken, and he informed us that everything looked good and we were pre-approved. 

Because we are first time home buyers, we trusted him. During the entire transaction, he kept saying dont worry everything is going to be fine. He also stated we will get serval forms just sign and return. Also, when we asked about the high numbers it was the same responds dont worry it will improve at closing. 

He never locked in our interest because he was expecting interest rates to improve. At that time, we had no idea of what lock-in was all about. As former XXXX XXXX lock-in had a completely different meaning. 

Our biggest mistake was trusting him. We were desperate to move to close since our lease was about to expire and we had handed in our intent letter we felt like we needed to move forward. 

In short, we expected to go to closing with no additional money and expected our monthly payment to be XXXX less than what he got us. We believe that he has deliberately taken advantage of our situation for his own personal profit. We also believe he took advantage of us due to our race, age and lack of experience with financing.
Product: Credit card or prepaid card

At time share meeting XXXX XX/XX/XXXX, American Express XXXX XXXX XXXX application included for payment of downpayment on property. I applied for card at that time, and was approved, but did not use the account. Card arrived to my home in CA but was never activated. I was billed XXXX $ annual membership fee despite never activating or using account. I notified Am Ex in writing to cancel account, XX/XX/XXXX, but bill continued to come. In XX/XX/XXXX, I called agent who stated I was obligated to pay only XXXX $ for 1 month of membership prior to written cancellation. I tried to do this on phone that day but it took too long, as account had been cancelled and he could not easily find. I sent XXXX $ check in billing envelope with Am Ex receipt that same day. It has not yet been cashed. 
This account has been sent to collections, damaging my credit report and preventing my home refinance. 
When called againXX/XX/XXXX, Am Ex XXXX, stated that by applying for card I was obligated to pay the whole annual fee, whether or not card was ever activated or used and this was in the agreement I signed. I have subsequently found that agreement and see no indication of this. It states obligation begins when card is " used or activated ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX  XXXX XXXX {$400.00} # XXXX XXXX  XXXX XXXX  {$450.00} # XXXX XXXX XXXX  {$670.00} # XXXX XXXX  XXXX  {$450.00} 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: Checking or savings account

I am writing to inform you that I have been a victim of identity theft. This happened due to numerous data breaches that have occurred in recent years. As a result of this theft, two checking accounts have been opened without my knowledge or permission : one from XXXX XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX. 

I have submitted a copy of the FTC Affidavit as supporting evidence of my claim. I am now in the process of filing a police report and taking legal action against the perpetrator.

I am requesting that you investigate this matter as soon as possible and take the necessary steps to remedy this situation. I am also requesting that you inform me of any additional measures that need to be taken to protect my identity. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

Placed an order XX/XX/18 for {$640.00}. I was to receive {$110.00} Kohls cash and XXXX rewards points. Kohls canceled the purchase without notice at all. When I call it takes about 30 mins to reach someone, which I rarely have time to do. Finally I reached someone who placed my order. Unfortunately she did not restore my points earned nor did she reinstate the {$110.00} kohls cash. That was early XX/XX/XXXX ( XX/XX/XXXX ) and the chairs were delivered ( XX/XX/XXXX ) and the billing cycle closed XXXX. I did not receive a bill until yesterday ( XX/XX/XXXX ) - likely because the purchase was not finalized until this billing cycle. 

Now Ive received a statement confirming no rewards points and no Kohls cash and applying a {$27.00} late fee {$14.00} in interest for chairs that were just received. 

I called 3 times today ( XX/XX/XXXX ) while extremely ill. First I was told that bc I will not provide my social ( to someone outside the country ) I am refusing to verify my account so I can call back. When I demanded a supervisor I got an unnamed voicemail after leaving the voicemail the call was terminated. 

Second call, the rep extorted me by telling me unless I make a {$74.00} payment he will not remove the fraudulent late fees and interest charges. I went over it with him 5 times and he refused to say anything other than once you make the payment I will see about the charges. 

The third rep says they can not help with Kohls cash or rewards. I asked for a supervior and was told they are busy. I told him I already left a voicemail. 

XXXX the collections supervisor finally told me that I was in the wrong department but that my account is delinquent, completely ignoring the prior 18 mins of explaining I had done, so she transferred me to another endless hold line. 

I was transferred to someone named XXXX who is not a supervisor. She had to transfer me back collections. 

Now transferred back to person # XXXX XXXX. She claims that once they receive my payment they will remove the late and interest fees. It took 3 hours to accomplish this. 

This is outright fraud what they are doing. They are enticing consumers to buy goods on the false promise of receiving Kohls cash and rewards points but never award them. They are also charging interest for purchases that have never been fulfilled. 

Upon further review, I was not awarded points for a transaction on XX/XX/18 for a {$540.00} purchase either. 

Every {$100.00} spent generates a {$5.00} reward. I have spent nearly {$1200.00} this year, which should get me {$60.00} in reward points. I have a balance of XXXX points somehow. 

I paid {$530.00} through my bank today which is $ XXXX- {$110.00} ( Kohls cash stolen ) - {$27.00} ( fraudulent late fee ) - {$14.00} ( fraudulent late fees ). 

I have the last 3 calls recorded and screen shots to prove all of the above and video at my home of the chairs being delivered XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.
Product: Credit reporting or other personal consumer reports

I have yet to receive a real response or original contract and Ive been communicating with automated response but I know this is a stall tactic and my rights are being violated under 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and the company doesnt seem to care so can you help please
Product: Checking or savings account

Wells Fargo continues a recurring charge of {$200.00} weekly for the past 5 months after Ive informed Wells Fargo Ive never approved or have made any transactions with such merchant. I have informed Wells Fargo via telephone when spoken with them via fax and they the united postal service which Ive sent a letter informing them of such unauthorized uses on my account and to restrict such charges from the merchant by hello fresh. Wells Fargo continues to allowed such charges and is approving them without my knowledge or permission. Wells Fargo has failed to fallow their security fraud prevention in my account after Ive reported to them for merchants XXXX XXXX and XXXX charges along other reported transactions starting in the month of XX/XX/2021 also ignored my request to replace my debit card..
Product: Prepaid card

I received a gift card to use and I cant use it in any of the stores I shop at. I wrote to you last time about sending a check in the form of the gift card amount and you denied it saying I didnt try to use it. But I know how your gift cards work and they arent accepted where I want to use them. I just tried again at XXXX and was denied payment. I would like to use my gift card where I want to. Or else it is a waste of money. Please could you look into it and see I tried, and send a check with the {$70.00} amount instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : First National Bank of Omaha I was walking out of the post office and made the call from my phone in the car after a long trip for my job. I dont know where to turn. 


Im so upset! Can you give me some advice? 
Ive had a card with them for years, no bad reports or lates. I found myself in transition selling my home if 16 years to relocate and start a new job 4 hours north. Im divorced and a very capable single female. I travel for a part-time XXXX job all over XXXX and XXXX, XXXX a rental remotely that houses 4 professionals & I XXXX XXXX XXXX. I work hard very hard and many hours. I called to talk to a phone rep to pay off my credit cards. I paid {$5700.00} and change to ensure it would be paid off because I wanted the cards to go away during this very busy time. My daughter is also coming to visit with her husband from XXXX XXXX. Im also shopping for a house during my transition. Im actually still moving from my prior residence of 16 years. This is why I called to pay this card off. Im overwhelmed. I arrive back to my PO thinking all my bills were paid with the exception of my car and utilities. Come to find out I had a 30 day late that they reported without skipping a XXXX beat! No phone call warning, nothing! Ive talked and disputed this but they are standing by their pat disclaimer. One of their phone reps snickered as I was explaining. Another better one, a guy said that the fee was slapped on right after I made the payment!!! Obviously you dont pay a bill with that amount with any idea this would ever happen. I knew the time was just flying so I did my due diligence to pay it off. I was begging them to reverse the damage. Heartless people!!! NEVER DO BUSINESS WITH THIS BANK!!! 
My credit score WAS very good. Now I cant purchase my next home until this gets fixed. Please help!
Product: Money transfer, virtual currency, or money service

I initiated with a withdrawal with FTXUS to transfer USD from XXXX  on XX/XX/2022. They debited the account but never sent the money and did not provide an ACH id.
Product: Debt collection

XXXX XXXX is reporting a collection account for a medical bill that was in dispute with original creditor and they were made aware that it was in dispute. I was injured in a car accident and the other party was responsible. I have an attorney and my attorney notified them that there were legal proceedings pending and they were to wait for instructions before proceeding. They ignored our dispute and reported this as a collection. I was in the accident XX/XX/XXXX and they are reporting it as being XX/XX/XXXX so they are also re-aging the account and providing incorrect, misleading and deceptive information to the credit bureaus despite our repeated communication to them that we are in dispute with the original creditor and that we did not agree with their validation of the debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXX/XX/XXXXAccount Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XX/XX/XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXX Date of inquiry XX/XX/XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXXXXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.