23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I want to close my business account XXXX However I kept calling Citi business # XXXX That was over 2 hours, after a very lengthy verification, it keeps directing me to personal and then personal keeps redirecting me to business, the process continued for over 2 hours!!!!!! 

Online chat is of no help as they keeps telling me to call the same number I am severly disappointed in the service, please close the account, effective XX/XX/29
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License for identification purposes to investigate this complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit  report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

National Recovery Solutions LLC Contacted my boyfriend dad at XXXX Contacted my sister in which she is a XXXX  at XXXX when she was in school Reached out to me XXXX- with a lot of violation text by them allegedly saying I have to pay XXXX XXXX  by a certain date on a debt I don't owe. 

A debt collectors are not allowed to contact minors regarding a family members debt. The Fair Debt Collection Practices Act ( FDCPA ) in the U.S. regulates debt collection practices and generally prohibits debt collectors from discussing a debt with anyone other than the debtor, their spouse, or their attorney, without the debtors permission.

Contacting a minor to pressure them or convey a message about a relatives debt could be seen as harassment or a violation of these rules. If this happens, it might be grounds for a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your states attorney general.

In which that happened and I dont want no contact from this agency. I will be filing a complaint to the state and other agency The representative that is making this harassing phone call and reaching out to my family and as well my boyfriend family without consent. This representative is XXXX XXXX. 

I emailed a letter behalf of my sister and as well on my behalf to have National Recovery Solution LLC to Cease and Desist. I want them to stop harassing me, my sister, my parents and reaching to my boyfriend family.

I filed a complaint and they deny their wrongdoing and denying their negligence. They ruined my reputation with my family because of them
Product: Debt collection

The collection company LVNV Funding, LLC on behalf of XXXX XXXX XXXX. is trying to collect a debt that I do not owe. The amount they claim is {$16000.00} from XXXX 2017. I send letters to LVNV Funding,  LLC asking them to verify this debt and they could n't verify it. They still report this collection account as mine to credit bureaus.
Product: Mortgage

This complaint is about a mistaken identity. 
My loan servicing had been switched to BofA in XXXX and all the time from then on paying my mortgage every month.to Bof A. 

I got a notice in XX/XX/2019 that my payment will go up from {$4400.00} a month to {$7200.00} per month starting XX/XX/2019. 
I called BofA right away about the increase on XX/XX/2019and I got an answer stating that there was a clinch in their system and also because the increase was against the government law. And my payment will be adjusted to less than {$4000.00} a month. 
I was relived by her statement and been waiting for the new statement reflecting the modified reduced monthly payment. 
But instead I received a new statement inXX/XX/2019 stating the same increase of {$7200.00}, I tried using the XX/XX/2019 to pay to pay XXXX payment but paying on the phone using the loan amount info and my SSN no. was telling me the loan no and SSN do not exist. The statement had the Bof A. And customer service accepted my payment was accepted for XX/XX/2019 by BofA with invalid loan no and borrower did not have a mortgage loan in record. I found this mistaken identity after I made my XX/XX/2019. I nytied to gat a nortgage loan officed I now know that there was really a glitch in their system on XX/XX/2019 and never corrected the mistaken identity of the borrowers name and the loan no. I could have done on XX/XX/2019 an action for refinance from BofA and was inform I do not have a mortgage account account all. I asked so many times about 10x why the loan no was stating it is invalid bot I did not get an answer. 

They had lied, deceive and covering up the mishap.
Product: Debt collection

I'm getting repeated phone calls many times a month from this debt collector ( XXXX XXXX XXXX ) even after we have made payment arrangements to pay once a month. They always call even after I make a payment and continuously harrass us for more money. If I don't answer the phone I will get multiple voicemails. I want them to stop calling me altogether and allow me to pay the debt without being grilled and harrassed on when I'm making the next payment. They don't even wait a full 30 days from the last payment before they start calling for the next one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office said  2 we eks after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
Product: Credit card

It is a Barclays card, through XXXX XXXX. I never received a card or a bill before I just started getting emails that I was late on a payment. I called and spoke to them. Told them I never got a card. They waived all late fees, and I paid the account in full. Still no card or a bill, and now theyre emailing that I owe for over {$140.00} on an account originally for approximately that amount. When I called them and informed them I a paid it in full, they had no right to charge late fees, they said theyre charging interest and Late fees on the late fees. This is capitalizing interest and unlawfully charging late fees on an account I paid in full. I want the all fees and interest charged off and the account closed. The last XXXX on the account number are XXXX, this is all I ever got from them is an email. The link to pay goes to https : XXXX XXXXXXXX It is Barclays card services on behalf of XXXX XXXX. 

My email is XXXX.
Product: Debt collection

NAVY FEDERAL CREDIT UNION Account Number XXXX XXXX Reported Balance {$1100.00} Account Status CHARGE_OFF Available Credit {$85.00} This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have made several attempts to fix this issue with them and the are violating my rights and I'm entitled to {$1000.00} for all violations Listed. They must pay me or delete this amount immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Account XXXX XXXX Equifax is reporting inaccurate information regarding the XXXX XXXX account number XXXX. Equifax is reporting the date of first delinquency as XX/XX/XXXX. Based on what Equifax is reporting regarding payments the date of fist delinquency should be XX/XX/XXXX. 

Equifax is reporting XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX, NO Payment or past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX and XX/XX/XXXX. 

Since there were no payments made from XX/XX/XXXX through XX/XX/XXXX. The date of first delinquency could not XXXX XX/XX/XXXX. There is no payment data prior to XX/XX/XXXX. Additionally, since Equifax is reporting XXXX XXXX past due in XX/XX/XXXX. It stands to reason that Equifax would be reporting XXXX XXXX or XXXX XXXX past due in XX/XX/XXXX. The date of first delinquency could be XX/XX/XXXX. It would have to be prior to XX/XX/XXXX. 

Despite my written requests, the unverified item listed below still remain on my credit report in violation of XXXX XXXX. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXFORTIVA is reporting a late fee on my credit report for XX/XX/2017 this is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX has violated my rights. 

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

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

I have asked for a debt validation letter I did not get XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report from XX/XX/2023 : Inquiry from XXXX on XX/XX/2023. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/2023. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/2023. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX5 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 I also have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax Inquiries XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I filed lawsuit against my former Landlord, XXXX XXXX, to recover my security deposit. The XXXX reviewed evidence, took testimony, and entered FINAL JUDGMENT against my former Landlord, and in my favor, affirming that I owe the former Landlord nothing, but that, XXXX is in fact a debtor to me. 

This collection item is therefore inaccurately placed on my credit reports, and should be immediately deleted.
Product: Credit reporting or other personal consumer reports

THESE XXXX  SENT ME AN EMAIL WITH A " PASSWORD '' ON IT WITHOUT EVEN MAKING SURE i WOULD BE AVAILABLE TO GET IT. THAT IS SO IRRESPONSIBLE AND DANGEROUS. 

I ALSO DID USE THAT TO LOG IN AND CHANGE MY PASSWORD. 

BUT AFTER DOING SO, I STILL GOT THE SAME MESSAGE -- THAT MY " INFO ON MY CREDIT REPORT WAS UNAVAILABLE RIGHT NOW '' THERE IS NO INFO, JUST THAT STUPID PAGE THAT DOES NOTHING, SAYS NOTHING. WHY CAN'T THESE PEOPLE LET ME LOG IN WITH THE PASSWORD I CHANGED IT TO? 
I LOGGED IN BUT IT IS STILL THE SAME OUT OF SERVICE TYPE XXXX. THIS IS RIDICULOUS. 
AND TO MAKE MATTERS WORSE, IN MY OPINION, THEY TELL YOU TO USE SOCIAL MEDIA HOW IN THE NAME OF XXXX CAN ANYONE DO THAT WITH YOUR CREDIT REPORT? THIS I DO NOT UNDERSTAND THAT IS NUTS I DON'T UNDERSTAND IT. IF YOU AREE GOING TO HELP, PLEASE HELP. I WAS GLAD TO ADD THIS ONTO THE PREVIOUS COMPLAINT AGAINST TU BUT YOU FOLKS JUST CLOSE UP EVERYTHING LIKE IT IS ALL FIXED. IF YOU CAN'T GETG THESE PEOPLE TO DO ANYTHING, COMPLAIN TO OUR ALLIES IN CONGRESS. PEOPLE HAVE A RIGHT TO KNOW WHAT KIND OF THINGS THESE COMPANIES ARE SAYING ABOUT US AND NOT FOR THEM TO BE FAST AND LOOSE WITH THE FACTS AND OUR PRIVATE INFO.
Product: Mortgage

Candence Bank is what I like to call the XXXX  of the earth! 

This is a finical institution that has a long record of mistreatment of its customers. 

I am now always on constant gaurd from their never ending disorganized institution. 

This is nothing more than another Egregious mistake on top of a number of mistakes by CadenceBank.

I am Im constant communication concerning my home loan with CadenceBank. I will call and ask for them to add notes to my file or ask questions about necessary information needed to be successful with complete and staying current with my home loan. I will contact CadenceBank and make them aware for any new updates and the next day or two days later someone will call and harass me for their own enjoyment. I will ask have you reviewed the notes and they will reply NO.

CadenceBank disregarded my Home Owners Insurance payment and the policy lapse. They are now threatening me for the uncovered fees though I reached out to them and the insurance company on several different occasions. I was notified by a CadenceBank customer service ee in the insurance department that she would request that I wouldnt have to be liable for those fees seeing that CadenceBank never paid the requested amount from XXXX XXXX XXXX. Ive asked for my payments to be broken into bi monthly request denied. Ive asked to remove the escrow account because of how the Bank grossly handled my insurance. The request was denied. This is a Bank that would love to see my family and I lose our home. They have the worst customer service and staff. 

Today I was called by XXXX in the Insurance department asking for documentation about the attachment I sent over XX/XX/2022. This Bank has been such a horrible lender and Im physically sick because of their carelessness.
Product: Mortgage

Our home was damaged on XX/XX/XXXX in the Derecho storm. Our insurance checks were sent to the Citizens Bank and XXXX XXXX but the they are not releasing funds so we can fix our house. We have been in a hotel since XXXX and the state Attorney General has contacted them multiple times and we are getting nowhere. They are earning interest off our insurance payout from XXXX XXXX for the purpose to fix our home while were paying insane interest rates on credit cards trying to survive. We also took out a XXXX XXXX XXXX  ) loan to try to pay for the repairs to get back in our home but its not enough. They have put in place systems that slow walk the money as a business model to earn money off of people in crisis. Please help!
Product: Credit card

XXXX Credit Card I pay online though XXXX XXXX XXXX  and balance owned on my bill pay system. In XX/XX/XXXX I made XXXX Payments XXXX just minimum of {$30.00} and the second right before the Holidays I paid the full balance of XXXX. I have not received any bills from XXXX after that payment and now they are stating I owe residual interest from XX/XX/XXXX no purchases were made on this card. I spoke with XXXX different people today and nobody can explain this except that interest is compounded like a car loan and home loan daily so my pay off for XXXX was not {$100.00} which they cashed on XX/XX/XXXX. I just got an email from them today stating my minimum payment of {$43.00} was due XX/XX/XXXX. I called because I thought maybe someone used my card even though I cut it up.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian I am writing to request a detailed description of the investigation process followed by your agency in regards too the disputed accounts on my report. Pursuant too the Fair Credit Reporting Act ( FCRA ) 15 USC 1691i ( 7 ) ( 7 ) Description of the reinvestigation procedure.

Under Section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
I received a letter from your Credit Bureau saying the accounts listed below were verified but I would like to know what you verified. Can you send me a detailed description of what you verified? 
Accounts XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 

Sincerely, XXXX XXXX XXXX XXXX I also sent out certified mail here is the tracking information XXXX XXXX
Product: Checking or savings account

I deposited a check to avoid any overdraft fees. Chase said the deposit came in 11 mins too late and would not reverse fees. I have been a great outstanding customer for 10 years. They refuse to help. I spoke to 4 different managers. 

I was charged {$70.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX and Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX 6 month policy was paid for I never renewed my coverage but I was still charged XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$360.00} Amount {$360.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX No known knowledge of this account
Product: Credit card or prepaid card

Signed up for a in store promotional credit card at XXXX XX/XX/XXXX Te deal was for {$35.00} XXXX credit on 1st purchase. 

I went ahead purchased four tires for {$320.00} at that time. XX/XX/XXXX Failed to receive the {$35.00} credit on billing statement XX/XX/XXXX. 
I called Walmart, they assured me it would be on the next bill statement. 

Now it is XX/XX/XXXX still no credit on latest bill statement. 
Made another call today, the tell me now their was some coding issues that caused latest error.