23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The representative and I was discussing options on paying off an old credit card debt. The only reason this account became behind is because my son past away. when I was discussing my options of settlement or pay in full the representative said if I paid in full the account would fall off and be deleted off my credit report XXXX, XXXX, and XXXX XXXX. the account is still on my credit report affecting it negatively. I paid the account in full on XXXX XXXX thru XXXX I spoke to XXXX XXXX from Bank of America. He said he put in a request to have the account deleted off XXXX, XXXX, and XXXX. he gave me a dispute number of XXXX his number is XXXX Extention XXXX I had conversation on XXXX with XXXX XXXX who admitted to not listening to all audio from this case. how can you conduct a proper investigation without listening to all audio? Bank of America is cover there tracks and are nothing but liars.
Product: Debt collection

The debt owed per the agency is false. I had moved to an apartment in XX/XX/2018 where they do not allow XXXX XXXX. The dates owed for this debt is not possible because of this. I updated all my creditors with my new address when I moved and this debt is not correct. I do not feel it is mine due to the dates of the debt are after I moved from my prior location where I had XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted in writing several complaints and request to update my credit report that is inaccurate and yet they have failed to respond and change my credit report. This has now caused me to be denied for a home loan in which I was in the process of being homeless and much more. XXXX specifically has now failed to change my credit report for the last 3 months which is more than 90 days which is past the 45 days allowed for a investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The PAY HISTORY is incorrectly showing as a Repossession in XXXX of XXXX. This was paid/settled in full in XXXX of XXXX. This is grossly damaging my Fico Auto score Payment history guide Repossession as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Show less Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 33 Months Credit limit or original amount {$9700.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount Not reported
Product: Credit card or prepaid card

Back on XX/XX/19 Barclays XXXX  Business Credit Card, was transferred two payment of {$2000.00} and {$4000.00} dollars. This wire transfer was from our credit union. This payment was sent in error and a stop payment was placed by us at the  Credit Union involved. 
We paid our credit card balance off online from our checking account and sent to credit card company. Our balance was now {$0.00}. 
On XX/XX/19 Barclays added the {$2000.00} return stop charge back to our account. 
To date, after speaking to several Customer Service Employees, Supervisors and Managers, nothing has been corrected. They added a {$2000.00} amount in error to our credit card bill, with no explanation why and will not remove it. Customer Service Reps will not give us their names or Supervisor/Corporate names or phone numbers. They disconnect us and or transfer us back to Customer Service Dept., just to start entire complaint process again. 
These monies were transferred to them then a stop return was issued. Barclays statement shows stopped funds, but yet they added {$2000.00} to our balance, out of nowhere, with no explanation. They told us to give them time and has been 10 weeks, When we call them, they ask to give them more time to clear this problem up. Nobody has called us back or attempted to radify error.
Product: Credit card

I reached out to the Barclays through the their contact, and keep getting a bot reply. I asked for someone to file a complaint for this ridiculous fee. But I have not received any contact information. I know you have issued rules, and I am shocked at this fee, and want it refunded.
Product: Checking or savings account

USAA closed a checking account that Ive had for 15 years! I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this checking account which authorizes me as the original creditor/ account holder. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to USAA i have no money. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without their permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a positive balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$5000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this accounts that are notmine and i want them to be remove from the 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Transunion Dear Sir/Madam, I am writing to request an update to my personal information in your records. The information currently reflected on my consumer report is outdated or incorrect. Please update the following details to match the information on my photo ID : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that you remove any old or incorrect information from my file to ensure the accuracy of my consumer report. 

I am attaching a copy of my drivers license as proof of my identity for verification. I appreciate your prompt attention to this matter and look forward to receiving confirmation of these changes. 

If you require any further information, please do not hesitate to contact me. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX the original creditor mailed the bill to the wrong address. And I should not have had to pay it through collections, This is hurting my score when I paid it once I found out. I am asking the CFPB to remove the debt on the grounds of never ever receiving the original bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this account still reporting when I notified you that the account is inaccurate. The account XXXX XXXX XXXX XXXXXXXX XXXX not be reporting any derogatory months because this account was sold to XXXX XXXX  and this account is already reporting on my account. You are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. I do not understand why I have to do your job for you. If you would have contacted the creditor and the collection agency you would have realized that you are reporting 2 of the same accounts which is a violation of the FCRA. Please delete this account from my credit report immediately.
Product: Mortgage

I have a mortgage with Nations Direct Mortgage , LLC. The loan number is XXXX, the property address is XXXX XXXX Ct, XXXX, MD XXXX. 

Nations Direct Mortgage is the loan originator and servicer, the lender is XXXX XXXX 

I am filing complaint against the loan servicer, Nations Direct Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Their customer service number is XXXX Facts : 1. I filled mortgage forbearance for the loan in XXXX. 
2. I received a letter from Nations Direct dated XX/XX/XXXX. In the letter I was told that youre approved for a Trial Period Plan to modify your mortgage payment. During this trial period plan, you will be required to make three monthly payments in the amount of {$2900.00} each. 
3. Since then I have been paying {$2900.00} monthly until this month, XX/XX/XXXX. 
4. I called Nations Direct many times asked the final modification of the mortgage. The first call was on XX/XX/XXXX, I was told that Nations Direct would send formal modification document after the trial period. The last call was on XX/XX/XXXX, and I was told that the modification was still under review. 
5. Around XXXX, XXXX, Nations Direct reported to credit bureau a negative record for this loan, significantly damaged my credit, this record is groundless. 
6. Early this month, I sent a letter to Nations Direct via US mail, asked Nations Direct for ( 1 ) remove the groundless record from credit bureau. ( 2 ) Finalize the still under review process.

7. Today, I received a letter from Nations Direct, notified me appraisals developed in connection with a loss mitigation application. 

I am filling the complaint and want 1 Nations direct finalize review for notification process, approve or deny, and give me the reasons.

2. Remove the negative and groundless record regarding this loan from credit bureau.

Thank you XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX XXXX
Product: Debt collection

I had dental work done at XXXX XXXX XXXX. Before leaving as mandated the bill must be paid. So, after the dental work was completed I paid my bill in full as expected. About a week ago I checked my credit report. My credit report displayed a debt collection from XXXX XXXX XXXX for {$46.00}. I learned that XXXX XXXX XXXX had charged me for {$46.00} after my visit. I had not received a phone cal or letter to my house or place of employment. Finance is not an issue for me so I visited and paid my bill. The staff did not have a response as to why I was billed and lack of notice. The problem for me is that my credit is affected for something that is not my fault. If possible to have corrected would be awesome. If not then I need to inform other clients of the business of such practice.
Product: Credit card or prepaid card

Hi, In XX/XX/2017 my husband referred me to open an AMEX SPG Business Card. Since I have a XXXX XXXX and own a XXXX XXXX I thought it could be a good idea to try to keep expenses separate. I used his link, applied and was approved for the card. The offer stated that I had 90 days to spend $ XXXX to receive XXXX SPG points. I received the card in XX/XX/XXXX and used it right away to pay some expenses. I spent $ XXXX by the middle of XX/XX/XXXX and waited for the points to post. Normally, bonus points post the next cycle. After not seeing them post, I called and inquired. They opened up a case and said it can take 6-8 weeks. I inquired every now and then via chat and was finally told in early XXXX  that I was not eligible. I asked why and was told it was because I had the card before. I informed the customer service representative that I have the personal card and not the business card. I asked what date does it show me having the business card and he could n't tell me. He checked via my SSN number and agreed that I never had the card before. He said he would open a new case, but it should be resolved quickly. Thinking it would be quick I called a few times in XX/XX/XXXX. Last week I spoke to a supervisor. She told me that case is still open, but it would not go in my favor since my offer states a bonus is not available to those who had the same product. Again, I explained I have the personal card, but I never had the business version. She said they are the same and there was nothing she could do. To be honest, my husband and I love AMEX. I use the SPG cards and he does as well, along with his Blue Cash Preferred. Their customer service has been terrific except in this case. For some reason, they refuse to honor their agreement and provide the bonus SPG points.
Product: Credit card or prepaid card

Today I tried to resolve and issue regarding a offer under the Amex blue card. At 1st they denied the claim due to not selecting the offer. No help, just you are denied and no reason other then telling me that the offer was never dated. I selected the offer saved the offer in the app. I had to request a supervisor and eventually the supervisor advised that outlet stores are not included in this deal. The small print of the outlet store is not clearly identified and is miss leading in the disclaimer. This should be clearly identified and its not. I purchased the items at the XXXX XXXX  XXXX   with the intent that I would receive this discount via the Amex blue card. I would have never purchased if the card wasnt going to reduce the bill by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
Product: Credit card or prepaid card

WellsFargo had issued me a " XXXX '' CC that I had been using for years, until due to two fraudulent charges, this particular acct. was replaced with another as they adjusted the fraudulent transaction. Within 4-6 wks later this newly issued card, a few days ago, was fraudulently compromised by issuing a replacement card mailed to a different address, 50 mile away. The fraudster charged {$5700.00} against the credit card. 
Though WellsFargo Fraud Dept. acknowledged my call-in alert, but how they came about doing it, was unacceptable : I've had a cellphone alert on my acct. for transaction of > {$10.00}, but they never sent me a text. As a matter of fact, the only time I was informed by email was 2 days after they had XXXX mailed the card to this unknown address. On this same day of receipt of this email and on my calling their provided Toll Free tel #, did I logged-in to my WellsFargo acct # and yet did not see it having been used. However he next day, login again, I saw fraudulent transactions dated day before their email sent to me. 
WellsFargo seems to have contributed to this fraud : 1. Should have sent me a cellphone alert on the date a replacement card was requested by the fraudster.

2. An email should also have been sent on the same date the Fraudster asked for a replacement.

3. Replacement card mailing to a different address should have heightened suspicion of fraud, instituting a prolonged mailing until cleared with cellphone & email contact response.

Police reports have been filled from the County of known WellsFargo account ( XXXX ) & the Unknown address of the Fraudster ( XXXX ) Credit freeze has been instituted with XXXX, XXXX & XXXX Acct established with IdentityTheft.gov WellsFargo Fraud Dept. claims they'll have a report of their actions, 30-45 days later
Product: Debt collection

Showed up on my credit report XX/XX/2018. O letter or bill was ever sent. Called them asked to send me documents showing what this debt was. Nothing. Disputed with credit bureaus nothing.
Product: Money transfer, virtual currency, or money service

lost funds. zelle XXXX bank could not or failed to investigate.
Product: Student loan

I attended XXXX XXXX XXXX XXXX-XXXX. Ever since my loans were Sallie May ( switched to Navient ). This transfer started confusion and created late payments and more interest. At the same time I was paying 2 other companies, XXXX and XXXX. I tried juggling all to make payments but became impossible. Navient always encouraged forebeafance which gave me the chance to focus on other XXXX and XXXX. I finally learned forebeafance is a scam because it just add more interest to loans. This all started with XXXX XXXX XXXX! I have {$100000.00} in debt. I have filed a BDR to {$60000.00} federal with Navient, XXXX is was sued and have stopped collecting along with XXXX. But Navient private loan worth {$20000.00} that my father is a cosigner on is an issue now. XXXX is a fraud along with the loan servicers. I have came to realize it is a setup depressing like the mortgage crisis. If XXXX XXXX XXXX has been sued for fraud along with other loan servicers connected like XXXX and XXXX, why can Navient private loans stop also? It is fraudulent and Im sick of being tricked and giving them My money. Please help!!!!
Product: Credit reporting or other personal consumer reports

The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both Exquifax and XXXX are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and Equifax are still showing incorrect information. It shows that Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was discharged and satisficed by the courts years ago!! And should have been removed I was educated on by the courts would fall off after being discharged. After starting a business with a bad partnership failed I was left caring more debt then I could handle and was recommended by my lawyers to file. I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an boosted my FICO score with XX/XX/XXXX because they have complied and removed the BK earlier this year when they should have and were supposed too. It's been discharged and satisficed by the courts since XX/XX/XXXX. This needs to be updated and removed from XX/XX/XXXX and Equifax as soon as possible to start reporting accuracy and not outdated false information.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXX XXXXXXXX XXXX XXXX bal. {$9600.00}, XXXX XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX bal. {$1800.00}, XXXX XXXX bal. {$970.00}, XXXX XXXX bal. {$190.00}
Product: Debt collection

I have recently received a letter from LJ Ross & Associates about a debt from XXXX XXXX XXXX XXXX Michigan for a bill for my daughter, stating that I owe them for a medical bill that was unpaid. I had spoken with XXXX 's a couple different times prior to that to tell them that they submitted the claim wrong and they would need to resubmit it. I had another child last year and I met all of my out of pocket expenses with insurance so it should have been paid. Once I got this communication from LJ Ross, I called them in regards to it. They told me to contact XXXX 's about the dispute. The visit in question was an emergency visit for my older child. She was experiencing a significant number of XXXX XXXX, which we have sine had XXXX at XXXX 's to correct. The emergency room visit was coded as " XXXX XXXX ''. Insurance does not recognize this as an emergency and that was not the reason that we were there. We came because it was late and my daughter suffered from multiple, painful XXXX XXXX I talked to XXXX 's and they told me that any new disputes had to go through LJ Ross. I contact LJ Ross another day and they tell me that they can not do anything and that I have to speak to XXXX 's about this wrong diagnosis code. I call XXXX 's back and explain the situation on another day and the representative hangs up on me. This is not the first time that this has happened. It takes alot of time to call these places in the middle of the day, when they are open and you are working but you get nowhere. Between 2 hour insurance holds and the games that the hospitals/collection agencies play, you are between a rock and a hard place. The XXXX that happened in XXXX was fully paid for because I met everything with insurance once having my newest addition. This is absurd that i have to keep fighting with them about these things but they wo n't help or investigate. Then, this week, I find that they have now put this on my credit report and I am seeking to resolve this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.