23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, through BMO Harris Bank, I closed a maturing HELOC loan and opened a new account. My balance at the time of closing my old line was {$0.00}. At closing of my new line, The bank added a balance of {$12000.00}, which according to them reimbursed my prior line for Flood Insurance of years XXXX and XXXX. I had NO information nor detail regarding this at all. I was told to send them my flood insurance certificates for those years and they would reverse the charges ( The collateral is in a high rise 90 unit condo in Florida which mandates flood insurance by law ). 

I subsequently sent the noted certificates and received a credit if {$3600.00} from BMO 's third party servicer, but was notified they needed additional certificates for years XXXX, XXXX and XXXX to receive a credit for the remaining {$8800.00}. I forwarded them the requested additional certificates and was then told by the servicer ( XXXX ), that they did not service the account for those years and could not process the credit. From there, both the servicer nor BMO Harris has refused any assistance, nor accepted that there is an outstanding issue. 

They have told me the remaining amount of {$8800.00} is a valid charge without acknowledging the prior position of refunding me upon the submission of the insurance certificates. They also have refused to offer any background ( breakdown ) of ANY of these charges. 

I received no notification of flood insurance certificates requirements because the bank had the wrong mailing address for the past years. No monthly emailed statements showed no owed balance either over those noted years. This is for five years and no one even called me about a issue that was NEVER communicated to me prior to just taking this money from my line. 

I will be happy to submit all coorespondence related to this matter. I also appreciate any assistance. Also to note, I have been required to pay interest of this outstanding balance while I have been requesting this review.
Product: Debt collection

I keep getting calls and voice mails about a payday loan that my daughter owes. I 'm not a co-signer and I 've asked the company to stop calling me and leaving threatening voicemails for her. About a week ago I called the company back and told a rep to stop calling me or I would file a complaint and they promised me that my number was removed from their database and that I would not be contacted again. Well, today, XXXX XXXX, 2015, I received another " escalated '' call from the company.
Product: Vehicle loan or lease

Paid off loan and loan company continued to give negative credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX  XXXX and I have recently been a victim of identity theft. Someone stole and fraudulently applied for lines of credit with credit grantors without me knowing. the following accounts are a result of the identity theft. 
XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} US DEPT OF ED/XXXXXXXX XXXX XX/XX/XXXX XXXX {$210000.00} US DEPT OF EDXXXX Opened XX/XX/XXXX XXXX {$240000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 3 year lease with Nissan-Infiniti Financial from XX/XX/XXXX to XX/XX/XXXX I was current with payments from the time of the lease from XX/XX/XXXX to XX/XX/XXXX. I had some financial difficulties that prevented me from paying my lease payment on time to as a result the car was repossessed. I received a letter from Nissan-Infiniti stating they sold the vehicle at an auction and I was liable of the balance of {$7800.00}. My account was then turned over to XXXX XXXX XXXX who I agreed to a monthly payment of {$210.00} until the balance was satisfied and was told during the agreement if I wanted to present a settlement to call back and they could make arrangements. I made faithful payments on the XXXX of every month starting on XX/XX/XXXX of 6 payments until XX/XX/XXXX a total of {$1000.00}. I called XXXX on XX/XX/XXXX and offered them a payoff of {$3000.00} they put me on hold to contact Nissan-Infiniti with the offer and they counter offered with {$3500.00}. I called back a week later on XX/XX/XXXX and made the payment of {$3500.00}. I asked for a payoff letter they informed me it would be in the mail with in a week and it did. Nissan-Infiniti then reported that I was late from XX/XX/XXXX to the time off the payoff that information was incorrect and they closed my account with a balance that impacted my score tremendously. I need this resolved and removed from my Credit Report Please. I have read the policy from the FCRA and this is a violation thanks for your help.
Product: Debt collection

I do not have a contract with the colletion of the medical bills. 
They agreed to delate these charges but some of bills are not delated and not reported acurate to all XXXX credit report companies. 
I requested orignal and XXXX XXXX signed contract, has not been provided. 
This account is hurting my credit reports and I deamd to delate this account from my credit repots.
Product: Bank account or service

I tried to open a online savings bank account with Ally Bank with my Individual Taxpayer identification Number and after a phone call follow up i was asked for a image of my social security card. I informed the customer representative that I did not have a social security card, that all i had was my Individual Taxpayer Identification number and she proceeded to inform me that it was not possible to to open my savings bank account with only my Individual Taxpayer Identification number.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s-2, which outlines responsibilities of information furnishers to credit reporting agencies, you failed to mark this account as disputed within the required 30-day period. This oversight constitutes a violation of this provision.

Given this violation and my rights under the statute, I request immediate correction of this matter.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/XXXX I been paying it ever since then I got laid off work in XX/XX/XXXX due to the pandemic I spoke to the finance company and asked for more time to pay my XXXX payment they didnt wan na help me out then my XXXX payment came and I made both payments for XXXX each so the total was XXXX a week later the company repoed my vehicle now Im trying to get it back and they dont wan na help me get it back they are saying they dont want to finance me anymore cus I was laid off but my husband works so he can pay the payments I have XXXX  children ages XXXX and XXXX and not having a vehicle is really hard to get around to do grocery shopping And trying to go out and look for a job i would have thought that because of this pandemic I would be able to get help I have never missed a payment I was just late on my XXXX payment but still payed XXXX and XXXX and still got my vehicle repoed how is that possible?
Product: Credit card or prepaid card

We received a letter in the mail stating that I was entitled to an overpayment refund of {$50.00} that was mine to claim from my past PC Richard credit card. I had to fill out and sign a letter and return it. If I did not it stated that it would become part of unclaimed monies. We sent in the letter immediatly. I never heard back. Never got a check. It has to be at least two months. Where is the check? 

I had a PC Richard card that was closed. We have two other active cards now. This obviously had to do with the other card that was closed. Apparently I am due a refund for an overpayment or credit and I am not receiving that even though I was sent that letter. I want this researched and someone to contact me from that bank so I can find out what is going on with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX 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 XXXXXXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Student loan forgiven and received letter from XXXX. When I sign into dept of Ed and XXXX my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX  from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX Mortgage loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

We learned that our bank account had been hacked and so ... 
Tonight my wife went online to place credit freezes with XXXX, XXXX and Experian. The first two were a breeze, free, easy, done. Experian offered a freeze as part of a service costing {$4.00} for the first month and $ XXXX thereafter. With a further search, she located the free form, completed it online just as with XXXX and XXXX but Experian rejected the application and gave instructions on what hard copy materials to mail. 
My wife tried earlier in the day to reach Experian but the qualifying questions asked to confirm identification would have required an extensive records search of past mortgages and so she abandoned the effort. Phone and online are not easily available alternatives when it comes to Experian. Our experience was substantially poorer than with the other two companies, XXXX and XXXX. We will now have at least a week of delay because we will have to mail materials to Experian and then wait up to three days from receipt for Experian to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ist the XXXX XXXX - reported erroneously that I was over 30 days late, which I was not - they even reported before 30 days Payment is Due every XXXX of the Month - which was Paid on the XXXX ( see attached payment from my Bank ) XX/XX/XXXX XXXX XXXX reported I was 30 days Late - I received an email from Experian, XXXX  and XXXX on XX/XX/XXXX that my Credit Score dropped 100 points because of this - as mentioned above payments are Due on the XXXX - which means it is not Late until XX/XX/XXXX ( I immediately filed Disputes with each Credit Agency on the XX/XX/XXXX after the payment was cashed and 12 days before it would be late ) I guess they did there diligence - and ask XXXX XXXX if their report was correct, which again it was well within the time frame and if they did not have payment - it still had another 12 days before it was late. 

This is ludicrous that they report me late before the day and after they were paid?? 

( so I pulled the month prior XXXX payment same thing paid and they received well before due ) XXXX XXXX needs to be Disciplined - meanwhile, because of the false reports, my Credit is Devastated my FICO Score
Product: Debt collection

I am writing to dispute the verification of a collection account on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), if a consumer disputes the accuracy of information on their credit report and the furnisher of the information verifies it during the investigation, the consumer has the right to request deletion of the disputed information. 

The collection account in question is XXXX. Despite my previous dispute and your verification, I am formally requesting the DELETION OF THIS ACCOUNT from my credit report. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report in accordance with FCRA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to a recent phone call with the collections department of Navy Federal Credit Union, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. NFCU claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my XXXX credit report ( attached ) NFCU has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.
Product: Debt collection

The collection company called me that asked me for debt collector, I told them I am not owe to any bank or company. This is the identity theft and they told me the only is XXXX if you pay XXXX, they told me if you pay XXXX we're not gon na call you anymore and we're going to close the case and you don't need to report to the police department. I told him XXXX is nothing for me and promise me don't call me again and don't send it to Credit bureau. XXXX I just record the voice and they promised me they are not going do that, end of the communication with the collection agency. I told him I had XXXX XXXX XXXX and I lost my memories. I don't know any idea about this, But this week I just saw the reporter today, XXXX XXXX, credit bureau, and the damage. My Credit story, then I called him. I told him to see dad was the identity theft
Product: Credit card or prepaid card

Two days ago I attempted to open a XXXX  XXXX XXXX card at Capital One. It was advertised with a {$200.00} bonus after spending {$500.00} in purchases within the first 3 months of account opening. This card is meant for people with excellent credit ; XXXX XXXX states my last XXXX XXXX XXXX was XXXX. Capital One performed a hard inquiry and denied me for the card with the bonus, but approved me for the exact same card with no bonus. With all the credit card options currently available, I would have never applied for any card without a bonus and denied their offer to open the bonus-less card. If Capital One did not feel I was a good candidate for the credit card I applied for, they should have denied me altogether. Yesterday, I applied for a XXXX XXXX card with a bonus and was approved. Im disappointed that Capital One is advertising something, running hard credit inquiries which negatively affect the consumer, and then denying them for only the bonus advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Sears/CBNA responded to CFPB complaint still opened with Citibank alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX Sears, Citibank, and Sears/CBNA  has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. Sears/CBNA reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX  did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. Sears/CBNA has been making new activity ongoing
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my credit report is inaccurate and unverified.
Product: Debt collection

My family member received information about a debt showing my name in a text message on their personal cell phone. The text message contained a link, which allowed them to view additional information about the debt, including the amount the creditor has listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.
Product: Debt collection

I was never contacted and properly notified by this collection agency for some old medical bills they were attempting to collect. My first notification came in the form of checking my credit report and noticing the collection accounts noted on my report. I immediately contacted them to make some sort of arrangement. I informed them that I wanted a pay for delete or else I could use HIPPA rights and force the original creditor to take the account back, paying the original creditor directly and avoiding the items being reported. The collection agency then, sensing they would loose out on approximately {$800.00} promised to remove the derogatory remarks, since I was never properly notified, if I paid them directly. I paid them directly, and they removed XXXX of the accounts but XXXX remained. I have been contacting them and calling them to no avail. I feel completely defrauded and my rights were violated. Their only interest was collecting the money. They have destroyed my credit and have caused me to loose out on credit being extended to me. I want them to fulfill the promise made to me as I followed thru on my promise and paid them in full. The agency in question is called MID Michigan Collection Agency in XXXX XXXX Michigan ( email XXXXXXXXXXXX ). Their phone number is XXXX. Please help! I feel so victimized. I have sent letters to the Michigan State Attorney General as well as the FTC. I also understand that they broke the law by even promising a pay for delete so now it makes sense to me why they are bailing out and refusing to go further with my accounts. So many laws were broken here.
Product: Checking or savings account

I have been renting a vehicle since the XXXX  week of XX/XX/year> at XXXX each week. Each XXXX  week of every month, XXXX  has a policy called a " rewrite '' where i would purchase another week but its required a XXXX dollar deposit thats refundable in a return via the bank 3 to 5 business days. 
Each month ive received this except XX/XX/XXXX. I spoke to the bank many times and I was told they dont see a return. I was told to speak with the claims department and fax in proof of the invoice where I shouldve received it. No response after a few days, I later was told by an agent to file a dispute to speed up the process and they will give you a temporary credit. They did give me XXXX back but later the bank made false statements to XXXX. Eventually XXXX  contacted me via mail requesting me to pay them. I spoke with the claims department and a lady claim she would escalate this problem to fix it. Per business with XXXX, Im still doing the same thing today as of XX/XX/year>. Friday XX/XX/XXXX i went to do another rewrite and I was denied renting and to continue renting the vehicle I was forced to pay them that same XXXX the bank NEVER RETURNED to me in the beginning. XXXX did nothing wrongBank of America was suppose to VERIFY what I sent as proof that a return was not done. Instead they disputed XXXX on my behalf which was falsely done. The bank owes me. Its documented in their system.