23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the financial crisis of XX/XX/XXXX we had just opened a new XXXX XXXX XXXX. Because it was so new, we had to give a personal guarantee. It hit our industry as hard as the housing, so we had to file chapter XXXX bankruptcy and it was discharged in XX/XX/XXXX. We tried so many times to work with chase home finance for a home modification all to no avail. They would send the making homes affordable documents, we would send in the payments and they would say we did not send in paper work requested, money etc. Over and over again. I started having XXXX mostly because of this. I started sending things certified and signed for just to have them say I sent it to the wrong location. Then the last straw was when I told them I had proof and faxed them the tracking from usps, they said it could be anything in that envelope and it did n't prove anything, I finally gave up. That was XX/XX/XXXX I think. The worst thing though is how they did not foreclose until XX/XX/XXXX. Now we have to wait 2 more years before we can buy a house. It is like being punished twice. They are the ones that caused the whole thing to begin with. They want to keep it in the owners name so it makes the owners responsible if there is vandelism, fire, flood and makes them also responsible for the home owners association dues. The best reason for them to leave it in the owners name is if they foreclose, it has to be shown as a liability on their books, if it is still in the owners name, they can list it as an asset. This needs to change and not show a foreclosure so long after a bankruptcy.
Product: Debt collection

On XX/XX/XXXX, we called XXXX trying to cancel our account. They told us it was the middle of the bill cycle and they would cancel the account on XX/XX/XXXX and would not bill for the next month. We sent back the XXXX box and thought it was taken care of. The next month rolls around and they billed us. We told them to listen to the recorded call as we cancelled the account. Each person has now said they will listen to it and wipe the account to XXXX. In XXXX a supervisor said the account would be wiped to XXXX. Two days ago we received a letter from a debt collector stating we owed {$100.00} some dollars. Which is impossible if they went back to listen to the recordings that XXXX stated he would wipe the account to XXXX  as we no longer had service with them in the bill date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my credit report in XXXX XXXX on XX/XX/XXXX and noticed a new collections account from Midwest Recovery Systems. I have never received any correspondence from this collection agency, nor have I ever borrowed money from " XXXX '', who is the listed " original creditor. 

It shows that the account went to collections on XX/XX/20 in the amount of {$1000.00}. Again, I have never received any sort of correspondence from Midwest Recovery Systems, nor have I ever received payment from XXXX. Upon looking into this issue, this seems to be a common problem with this collection agency.
Product: Debt collection

I filed a fraudulent dispute that was made on my card for {$10000.00}. I submitted all the required documents to the bank. Without sending me a letter confirming the resolution or at least showing me the result of their investigation, the bank put back the charge to my account and made me responsible for it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit report promptly. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7000.00} XXXX  XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2800.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$5900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Opened an American Express Credit card with an offer to receive {$200.00} statement credit and XXXX XXXX XXXX miles after I spend {$2000.00}. However, after I made the {$2000.00} expenditure I did not receive the bonus. AMX told me I was not eligible because I had a card several years ago and it states that in the terms. However, I told the that I have a XXXX XXXX and relied on their customer service representative who told be I was eligible by then. AMX said they would check the call recording and if that was true they would give me the bonus. However, I never heard back from the. My credit card number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We started working with XXXX XXXX of XXXX in XXXX to secure financing in advance of finding a vessel after we sold our existing vessel. 
We gave them all of our financial info, credit scores, etc. and requested no hard inquiry on credit bureaus until we actually sold our boat and found the new boat we wanted. 2 weeks ago we sold our boat, and found the boat we wanted. We were XXXX and XXXX credit scores, we are putting 50 % down on the new boat, have plenty of income and no debt. One 5 year boat loan that has always been paid on time and will be paid off in 2 years. 
We were informed Monday XX/XX/XXXX that nobody would touch our loan because we pay everything off monthly, we have no debt, and theyve never seen a credit history like ours before. 
We secured financing from our own credit union that day. I was mad but we moved on. 
Now we are getting hard inquiries days later and my credit score has dropped XXXX points. Why would that be happening after they told us no one would touch us and weve moved on?
Product: Credit card

On XXXX/XXXX/XXXX we received our USAA credit card statement in the mail and discovered a charge for {$590.00} from an XXXX store in XXXX XXXX. They live XXXX miles away from XXXX XXXX and they have a XXXX XXXX XXXX blocks away from their home so they would never travel that far. They immediately called USAA and informed them of the fraud charge. They were informed to contact the XXXX XXXX and work it out with them. That situation ended up getting resolved and they received reimbursement from USAA for {$590.00}. 
There have been many many times that client has tried to make a purchase and they were declined and they had to actually call in and speak with them to let them know it was them so they can allow the charge to go through. 
On XXXX/XXXX/XXXX there was a charge for {$580.00} with XXXX XXXX XXXX that they found on their credit card statement they received towards the end of XXXX XXXX. They immediately contacted USAA and they told the representative that the charge was fraudulent and they were told they need to contact the XXXX XXXX XXXX to dispute the charge. They contacted the XXXX by phone and they insisted that client made the reservation and they emailed client the guest folio. It shows client 's name and the price and it shows the reservation was made from XXXX out of XXXX, XXXX. However the USAA representative advised client the charge was made over the phone. We were never really given a straight answer when we asked for evidence surrounding this fraudulent transaction. We have been a long time customer with USAA going back as far as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax for over six months and I have received any information regarding this incorrect information. I have proven that these accounts are inaccurate and Equifax continues to report on my Credit. This is ruining my life.
Product: Credit card

Description of complaint : - On XX/XX/XXXX, an order was placed with XXXX  for a leather backpack for the price of {$270.00} The merchandise was paid using XXXX to allow for XXXX equal payments of " buy now, pay later ''. 
- The expected delivery date was between XX/XX/XXXX and XX/XX/XXXX. 
- After XX/XX/XXXX, several attempts were made to contact the vendor directly via email, XXXX XXXX, and lnstagram direct message to follow up with my order with no response. 
- Raised a dispute with XXXX on XX/XX/2024 with all supporting information. 
- Several back and forth emails with XXXX advising there is no communication from the seller and requesting for a refund is being denied until a response from the seller takes place. 
- XXXX states they can not issue the refund unless the merchant Issues the refund. 
- If XXXX is using my credit card / debit card for payment, as the consumer, I should be subjected the same protections I would have when I use my payment cards directly with the retailer. 
- All request for refund being Ignored by XXXX at this point.
Product: Mortgage

I have a home equity line of credit that Rushmore loan Management Services took over last year. I had a payment due on XX/XX/XXXX of 2019 for {$140.00}. I made a payment on XX/XX/XXXX with check number XXXX on my checking account and the Credit Union says that that payment was taken out of my account on the XXXX of XXXX. Rushmore has called me on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX claiming that I did not make my payment for XX/XX/XXXX. On XX/XX/XXXX I spent hours on the phone calling and trying to reach someone at Rushmore. After calling them 29 different times I was finally transferred to a supervisor named XXXX XXXX. XXXX admitted that they showed I made a payment of {$140.00} on XX/XX/XXXX. He stated he would have to look into it and get back to me. XXXX gave me his name phone number and extension I've tried to call him back three different days never been able to reach him or a voicemail for him. I made the payment for XXXX my bank shows they took the money they admit they took the money and they continue to harass me every single day claiming that I owe them {$140.00} for my XX/XX/XXXX payment. This is not the first problem I have had with Rushmore they tried to do the same thing to me with my XXXX payment also they tried to charge me hundreds of dollars a month in XXXX and XXXX for hazard insurance after I proved to them months before that I had Hazard insurance on my property. Trying to reach anyone at Rushmore loan services that can help you is impossible. The only people you can get a hold of are in the XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1666B, creditors must promptly correct billing errors, which include any charges that a consumer has not agreed to in writing or any other unauthorized charges. Since this account was closed, no new charges should have been reported, and therefore, no late payment should be applicable.

Additionally, 15 U.S.C. 1637A outlines the rights of consumers to have accurate information reported about their credit. This section mandates that creditors provide accurate and complete information to credit reporting agencies. Reporting a late payment on a closed account is a clear violation of this statute. 

Enclosed are copies of my records showing the account was closed and the payment history at the time of closure. I request that the inaccurate information be corrected as soon as possible and that a corrected credit report be sent to me at the above address. 

Please investigate this matter and update my credit report to reflect the accurate status of the account. Thank you for your prompt attention to this matter. 

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX has reported to XXXX that they've closed a credit line with your account. 

Source : XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : Credit Line Closed by XXXX XXXX Balance Date : XX/XX/year> Balance : {$550.00} But then they report it late with a higher balance XXXXXXXX XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/year>. 

Source : XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/year> Balance : {$610.00}
Product: Checking or savings account

Citibank regularly locks me out of my online account and will not unlock it. I requested a new PIN number, which I never received, and now am once again locked out of my account. I can not see my balance, nothing ... can not even log in. 

I am fed up with this and now want to close the account.
Product: Credit card or prepaid card

In XX/XX/ I signed up for a new Key Bank XXXX, the web promotion on the application offered a sign up bonus of XXXX points after 5 eligible purchases within the first 60 days redeemable for {$200.00}. On XX/XX/XXXX, I fulfilled the requirements of the promotion, having made 5 purchases. One month later when I did not receive the promised bonus points I contacted the customer support on the back of the card, who assured me that I met the promotional terms and that I would receive the bonus within the next month. When another month passed without the bonus points posting I opened up a support ticket on XX/XX/XXXX and was told I would be credited the points by the end of the month. On XX/XX/XXXX I received the following reply : " After escalating your case it seems that due to not having a checking account the points have not been applied. We understand the fact that you were not advised that a checking account was needed for this reason we need you to refer to your local branch. '' My local branch was unable to help me. I was not advised a checking account was required for the bonus and I find no mention of this requirement in the terms and conditions from the original application.
Product: Credit card

I had a dispute case with XXXX XXXX ( XXXX XXXXXXXX ). The issue is back in XX/XX/XXXX, I ordered a round trip bus from XXXX  ( from XXXX to XXXX, then back ). The first half of the trip has no issue. The issue happened on the seond half ( from XXXX back to XXXX ). On the website and also when I book the ticket, the date and time is showned as the bus will leave at XXXX on XXXX ( See XXXX ). However, on that date, the bus actually leaves before that. I'm able to get a screenshot from XXXX 's real-time bus track to show that on their record they showed the bus left at XXXX on XXXX ( see XXXX ) ( even though myself felt it left before that time as I was at the bus stop and waiting for bus before XXXX and never saw the bus ). But at least XXXX 's own record proved that the bus left before its schedule time, and as a customer, I did not receive any email/phone notification beforehand. I tried to call their customer line at the same date ( XX/XX/XXXX ) but received response that " the bus is operated by its sister company, not them. Therefore they can not take responsibility for that. '' Therefore, I submitted dispute charge on XXXX XXXX  website on XX/XX/XXXX. I got an notice from XXXX asked me to submit some information explain why I want to dispute charge on XX/XX/XXXX online. After I submitted the detailed explaination, I received another update notice on XX/XX/XXXX. I'm able to access the letter online on XX/XX/XXXX. The letter said flix provided some information and response, and asked me to provide response based on flix 's reponse. But online, I only see XXXX page notice but no flix response ( see attachment3 ). So I write back said " I'm only see XXXX page notice but no flix response, please provide me the information provided from XXXX. '' I wrote that and updated in APP on XX/XX/XXXX, then on XX/XX/XXXX I got the dispute case closed without any response from bank. XXXX weeks later, I received paper mail from XXXX bank. That mail contains the XXXX notice they showed online on XX/XX/XXXX, as well as all XXXX response ( Finally included! ). I reviewed, I saw XXXX just provide response indicated I bought the ticket, but they did not show any proof or response address their bus left earlier issue. I called back to XXXX XXXX  again on XXXX, told them they closed my dispute case without get my response or respond to my request on XX/XX/XXXX. I now want the case re-opened and re-check. The agent told me they would submit a request to ask the XXXX who invest my case to give me a callback sometime that week. However, I waited and did not receive any callback that week. I waited another week, still no called back. I called XXXX XXXX  again, agent told me the XXXX who invest my case wrote note said they called me on XXXX, and my voicemail is full. The XXXX is lying as I did not receive or miss any call on XXXX. ( See XXXX as my call history on XXXX. There is no anonymous call on that day. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldn't be reporting to my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother has a credit card with capital one and I have been an authorized user for years. When I go to view my credit report XXXX has my capital one card information as well as the card I'm an authorized user on however XXXX does not. I contacted XXXX and was told to call Capital one. My mom called capital one and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact XXXX. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to resolve the incomplete and unverifiable accounts on my consumer report before I pursue LITIGATION for DEFAMATION OF CHARACTER. My consumer report is an extension of my character and credit worthiness. Over the past several months I have sent numerous letters to EQUIFAX, XXXX, and XXXX regarding these inaccuracies. These corporations have not been in compliance with the laws of the FCRA. These corporations have not explained what procedures were used to confirm the validity of the accounts that I have previously disputed. I even submitted my FTC report, my identification card ( Drivers License ), personal statement, and I identified the accounts that were inaccurate to block the information resulting in identify theft. Which are the requirements of 15 USC 1681c-2. However, these corporations insisted I did not send in the proper documentation, which is false and misleading. These corporations are not complying with federal law. It appears that these corporations believe that their policies supersedes federal law. I'm demanding that every NEGATIVE ACCOUNT AND ALL INQURIES over 30 days are removed immediately. This not a request. These corporations are causing me harm from reporting false and inaccurate information on my consumer report. The next step will be litigation or damages sustain for DEFAMTION OF CHARACTER. I will not be attaching anymore documentation. I will save my documents for court if the deletions are not made.