23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi Express Manager ; How are you and hope that you're safe and sound during this pandemic ( COVID-19 ) that we're facing. I just pulled my credit and noticed a late payment on XXXX 2019 on this account. I'm not sure how can this be even possible. I was shocked when I reviewed my credit report and found that late payment in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

Hello. I started my application for a HELOC ( home equity line of credit ) on XXXX/XXXX/16 and provided all necessary documents in a highly timely fashion as soon as requested ( usually in the same day if not within the week at the latest ). The application process dragged on such that I was told verbally that this was going in circles on XXXX/XXXX/16. I was completely misled as I was told by the senior loan officer and bank manager personally that the HELOC would be secured by end of XXXX 2016 at the latest.
Product: Mortgage

XX/XX/2024 I made an extra payment of {$5000.00} to go directly to XXXX  and they are not applying it correctly because I also made my regular payment on XX/XX/2024 {$1300.00} when I check my account is charging my initial debt the same. I have been calling since XXXX and I have not been able to get a resolution. 
Today I checked my account again and it says I have to pay until XXXX taking that payment as a regular payment.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX CA billed me for {$7800.00} dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said because my roommate XXXX XXXX XXXX broke the lease agreement early that we our both liable for payments until they rented the unit again since the apartment lease agreement was in both of our names. they never notified me of the payments and just sent it to collections, plus I had a security deposit of {$1500.00} so I don't even get how I own them anything at all and now its in collections and the balance has risen {$10000.00} I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Product: Mortgage

I have had a US Bank mortgage loan since 2009. I have not been late once until recently when I was being XXXX. I had called US Bank in hopes of deferring a payment until I could visit XXXX, to just defer 1 payment. Upon calling I was treated very rudely, I was told I could not discuss anything with them about a deferral or a late payment until I was in fact late. This was very stressful, knowing what was ahead me was not going to be easy. My auto loan company accommodated my requests with no questions asked and wished me the best. US Bank on the other hand basically told me " too bad ''. I did as they told me to - call back after my loan due date. This was after 2 long trips XXXX. I was n't well and they were still not allowing me any options. They asked for my financial information. I explained I was looking for them to do anything other than just defer a payment during this difficult time. I 'm a single mother XXXX. I promised I would not be late the following month and mentioned I was going to put the house up for sale so I could take care of what I needed to. They said XXXX XXXX, make a regular payment on time, which I did. I was unable to do online, I was forced to call in and they were trying to charge me {$11.00}. Then XXXX XXXX I would begin making regular payments + an additional {$300.00} a month +, for 5 months, to pay back my XXXX XXXX bill. When I did the math I was confused that they were charging me almost $ 300+ for being late. They would not offer me any other options only the option to be raked over the coals for the next 5 months. I have been paying on time since XXXX 2009. My interest is more than {$700.00} per payment and only {$230.00} going towards principal and interest. They could not tell my why I was paying so much penalties. I have reached out to them several times to find a better option with no change. How can a mortgage company be so brutal? The only other option I can think of is an attorney. They have sent me numerous rude letters stating, " You are in default of your mortgage terms '', then it lists out options that are not feasible, including " short sale '', " modification '', " pre-foreclosure sale '' " deed-in-lieu '' of foreclosure, etc ... These are all scary things to see when you 're one payment past due and facing XXXX. I am going to continue to search for a way to stop US Bank. Hopefully I will be able to find a way to make them stop. I am someone 's mom, someone 's daughter and a human being. I can only think US Bank is being managed by robots with no feelings and no compassion for life. One day with the CEO and all the employees their face the end of their lifespan, maybe they can remember all the people they treated so coldly and did n't offer options to. I 'm not asking for handout. I was only asking to defer a payment with no penalties till I could catch up that one month.
Product: Debt collection

The Creditor as claimed is XXXX XXXX  XXXX XXXX Fl. The application for the apartment was jointly made with my son who is in college at the time. There was XXXX which led to XXXX at the apartment. No keys was issued or lived in the complex for one hour, they were called by my son that he was no longer interested. XXXX XXXX XXXX XXXX then turned around saying that I owed them {$4100.00}. This is affecting my credit score and unable to secure credit for any thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$400.00}.
Product: Debt collection

I had a credit card with Navy Federal Credit Union. Together, we came upon a settlement amount of 50 % off the entire balance of debt owed. This means that I owed only {$13000.00}. After making a {$150.00} phone agreed upon payment to Navy Federal. Navy Federal failed to mail me a billing statement with an updated balance, showing the remaining amount left on the account or the payment I had made. In essence, I had no way of proving they had upheld the settlement agreement, or posted my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report to maintain my profile and this address keeps showing up on my report, I disputed this two years ago. It's also a duplicate with another listed address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Debt collection

A correspondence purporting to allege a debt claimed by : SIMM Associates, INC A written notice was sent as a response to SIMM Associates, INC to their Fair Debt Collection Practices ' Act notice that SIMM Associates, INC are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

The notice also Demanded that SIMM Associates, INC " cease and desist '' collections activities prior to validation of purported debt and that SIMM Associates, INC must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties
Product: Debt collection

XX/XX/2021 a collection was placed in my credit account I have disputed the same account before and it has been removed they have acquired the purchase of my Debt from another debt collector I have disputed this again to be removed I do not all this amount I do not have XXXX XXXX XXXX I even called them and they told me that that account doesnt exist to get this removed from my account from the previous time
Product: Credit card or prepaid card

I have been receiving excessive mail for two different people at the address I 've lived at for several years now, from Bank of America. I 've sent them back unopened, " Return to Sender and eventually " Cease and Desist '', which temporarily resolved the issue but now I have begun receiving credit card offers for these people again today. I finally opened one of them and spent 21 minutes on the phone today trying to resolve it and eventually hung up. I am beyond frustrated in exhausting my efforts and throwing away mail for them as well. They 've ignored my Cease and Desist requests and are now harassing me again and they make it impossible to reach anyone on the phone. I have no business with them and do not receive offers for myself. XXXX XXXX XXXX nor XXXX XXXX do not live at my address and I want the mail to cease immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Transunion XXXX XXXX XXXX
Product: Credit card

I APPLIED FOR A HOME DEPOT CREDIT ACCOUNT IN THE XXXX, ALABAMA STORE. WHEN I WAS APPROVED I WAS PROVIDED WITH SOMEONE ELSE 'S LAST NAME AND ADDRESS ON MY CREDIT FILE. 

ALL ATTEMPTS TO MAKE THEM CORRECT THEIR MISTAKE WERE MET WITH INSINUATIONS, ATTREMPTS TO DIVERT RESPONSIBILITY, AND OUTRIGHT LIES. I PROVIDED A COPY OF MY ALABAMA DRIVER 'S LICENSE AND US PASSPORT CARD IN THE STORE. 

CITIBANK REFUSES TO ACCEPT RESPONSIBILITY OR EXPLAIN HOW SOMEONE ELSE 'S IDENTITY WAS MERGED WITH MINE.
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 has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a collection and charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX. 
Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Checking or savings account

I was scammed by a fake check and didnt acknowledge it until my bank account went negative, Im currently out of a job and the date I cashed the check was XX/XX/2020 and it was processed by XX/XX/2020. I had at least XXXX $ or XXXX $ before this had happened and called the bank multiple times to get a solution but was not able to be helped up until the 4th time I had called and was redirected to someone that finally told me shed help me fix the problem. My account was about to be closed since the check was fraudulent. When I had first cashed the check at least 400 $ was made available to me and right after I cashed it, I called my bank to make sure that the rest would be coming in at this point stating the amount I had gotten from the check. I understand completely that being scammed is partially a fault of mine since I did not read the check carefully but I would at least like to have the amount of money I had before back. I currently bank with Wells Fargo and they said there was nothing they could do and I had to pay back whatever I was due which was negative XXXX. Which I found really unfair. With the XXXX  I sent back to the person who was supposed to be paying me. She said she had her client send over the check to me but it was over the amount that was due to me. I was selling a designer wallet. And due to that I said okay because I was not aware this was a scam going around out there. I was completely and utterly shocked to find my bank account negative and thankful to have a friend able to pull me out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax several letter disputing inaccurate, inconsistent, and/or unverifiable accounts on my credit report. Each time Equifax would reply that the investigation is complete and the account was verified as accurate although in each letter I asked they provide me with proof a proper investigation was done and documentations that the proper procedures were made and information on who they verified the information with. Equifax has failed to supply me with the information
Product: Credit card

On XX/XX/XXXX i received a letter by email from Discover credit card stating that they will continue to deny my claim case # XXXX. The claim for a service i purchased at USPS that included tracking but the tracking to track my package never worked online. So the service by USPS was never provided. I submitted this evidence to Discover. I contacted Discover back in XX/XX/XXXX to dispute the charge but Discover denied my claim stating that there was no sufficient claim. I initiated a reopen of the dispute on XX/XX/XXXX and they on purpose lost the paperwork and failed to honor my dispute. So on XX/XX/XXXX I submitted the paperwork again. Today XX/XX/XXXX I got a letter that my claim has been denied for the same reason. I believe I have sufficient reason for this dispute to be resolved in my favor but Discover does not want to honor my claim and I have noticed this more lately. Discover will not follow up on claims or honor disputes. This is happening more often even if the evidence is in my favor and the merchant has agreed to give me a refund. The claim is only for {$22.00} the charge I paid for tracking service but never received the service. Is not a big amount but Discover will deny a claim when they feel like they don't want to solve it and will continue to deny it and are hard headed. I think they are violating some regulations for customers and that is why i am filing this complaint. While other cards for being a great customer will give you a credit on a dispute on a courtesy, Discover will not even give you a cent. They are not like XXXX XXXX or other credit cards in the market.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX -- -INQUIRIES -- XXXX XXXXXXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

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 reparations for these violations.
Product: Checking or savings account

Its been awhile but it was around 2010 they would let amount go through even if I didnt have the funds.Didnt even notified me I wouldnt fine out until following month.I got paid twice a month but yet I would use my debit card and the fees would rack it up to the hundreds of overdraft fees, I talk to them about it and they told be to sue Better checking of my account myself. I work on it for about couple months it still went on so I just close the account. I received a personal check from a customer so it was drawn on Bank of America so I went there to my unknown that I still owed money they took more than half of my check about {$500.00}
Product: Credit reporting

XXXX of the creditors listed on my credit report is XXXX ( filing number XXXX ), opened in XX/XX/1983, high credit limit of XXXX, curent balance of XXXX, as of XXXX XXXX. Shows a rev pament of {$28.00}, not pastdue, and no history of late payments. This account does not belong to me, and should not be on my report.
Product: Credit card or prepaid card

To whom it may concern I am writing yet AGAIN, more times than I can count, to put DISCOVER BANK on notice of the account ending in : XXXX and how it's fraudulent reporting of this alleged debt and adverse action to the consumer reporting agencies has negatively affected my life, my wife 's life and my children 's life as it has created tremendous hardship in our everyday lives. I have attempted on multiple occasions to relay to you that the negative reporting on my name is in error and violates FDCPA and FCRA. Upon further due diligence it has come to my attention that ALL credit balances from XX/XX/XXXX to XX/XX/XXXX are owed to the consumer. As stated on the back of each billing statement " Credit Balances. If your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement ''. This statement directly correlates with 12 C.F.R. 1026 11 ( a ) as well as proof that the XXXX total amount of money that I allegedly owe should have been sent to me as a refund and not sent to me as a billing error monthly and definitely now falsely reported to the credit repair agencies damaging my name and good reputation. I have included a copy of your documentation as verification and I am putting you on notice that I have also correctly filed a 1099C with the Internal Revenue Service as you have reported a " charge-off ', in error, to the credit reporting agencies further damaging my name and defaming my character while also making it impossible for me to obtain and maintain a standard and suitable living as my name is no longer " good '' ... as you failed to provide me with a copy of the 1099C thus causing me to incorrectly report to the IRS and file my taxes correctly as I should have added the " charge-off '' amount to my yearly earnings as income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Finance XX/XX/XXXX have all violated my rights. 

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

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.