23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I spoke with Capitol One on XX/XX/year> at approximately XXXX to verify an incoming XXXX payment on my account. Despite me providing information and verifying the funds they stated they will not release the funds until the speak to the other party. I spoke to a supervisor who then stated I will also be unable to open any further accounts with them when I requested they cancel the XXXX payment they deactivated my XXXX account without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft
within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted EXPERIAN & XXXX regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Mortgage

My current mortgage servicer ( Shellpoint ) acquired my loan from XXXX XXXX, in approximately XXXX of XXXX. At the time I was paying {$1500.00} per month to XXXX XXXX. XXXX XXXX always set aside a portion of my payment towards escrow. In an escrow account they set up for my account. When they transferred my account to Shellpoint, I was still paying the same {$1500.00} per month. For a while I didn't even know they had transferred my account. But I continued to make my {$1500.00} monthly payment to Shellpoint. It turns out that Shellpoint failed to set up an escrow account for my payments, and they, in fact misapplied my entire {$1500.00} to " principal & interest ''. Not setting aside any amount towards escrow and not informing me that they viewed my monthly mortgage payment as {$680.00} per month.. Yet not applying the remaining {$820.00} to my escrow account. This went on for approximately 2 years.

Sometime during the pandemic, when businesses were shutting down, I received several threats from various collections companies threatening to garnish my wages. I sought the help of a lawyer ( big mistake ) who decided I needed to file for XXXX XXXX, instead of just dealing with the 2 small collections companies who were making the threats. I was not behind on my mortgage. When I filed, based on that lawyers very bad advice, Shellpoint decided that all of the payments that I made and they did not take out any escrow, they would put into their XXXX and claim that I owed them back escrow payment?!? They unlawfully claimed that I owed them in excess of {$14000.00} because I did not make any escrow payments... Even though, I did... But They were the one 's who were negligent in 1 ) Not opening an escrow account for my account until literally XXXX of XXXX. And 2 ) They misapplied the proceeds of my payments by not separating my escrow portion of my payments, and instead applied the entire amount to my principal & interest. Further, they are now claiming that they do not have any record of my most recent payments. I am paying them, they are losing track of my payments. When I call they don't seem to have a clue as to where my money went. Even though I have receipts from my bank for each of my payments!
Product: Credit card

The card was opened in XXXX of XXXX. I had a balance of {$2700.00}. Made payments on time each month but because they take 7 to 10 business days to post the payments they always add a late fee in the amount of {$40.00} each month. They don't specify how much interest will be added and on XX/XX/XXXX an interest charge was added to my account in the amount of {$890.00}. Account was closed and I asked them what the payoff would be. Because of the way they post they added additional charges after I asked what the payoff was. XX/XX/XXXX additional interest added in the amount of {$120.00}. Account paid off on XX/XX/XXXX XXXX. Had to pay additional amount on XX/XX/XXXX of {$15.00}. Which showed {$0.00} due. Now have another interest charge in the amount of {$19.00} and they are stating that I will have another interest charge next month as well. Unfair and predatory lending is what this seems like to me. The terms are confusing as well, CareCredit offers two types of promotional financing options : Deferred interest financing. No interest if paid in full within six, 12, 18, or 24 months on qualifying purchases of {$200.00} or more at enrolled provider locations and select retailers in the CareCredit XXXX. That does not specify that it has to be a year it misleads a person into thinking they have up to 24 months.
Product: Debt collection

I have received numerous calls every single day for months. I have told the lady that I did not have {$XXXX} dollars to give her as I barely had the money to pay my other bills. She still calls me and has now started calling my mother. She also calls later in the evenings as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX 's slash XXXX to get a lab top located in XXXX  around XXXX with a sale 's lady named XXXX XXXX told me that the Lab top was {$540.00} when it wasn't it was {$440.00} and they sold it to me the Lab top on display and it wasn't in a box they had to data ear the computer and take the password off or what ever as soon as I got home to try out the new computer it started to free up so I didn't use it anymore I called XXXX about XXXX months ago to send me a box so I can send y'all computer back they told me that I have to take pictures to the computer and send it too them which I did they didn't send me a box talking about they was going to still charge me for it but they send me information stating that if I send the product back too them I wouldn't be charged and as of today they wrote a charge for this computer and now it's on my credit I also asked the can I take back to the store which is XXXX XXXX which they have an XXXX XXXX in their they told me no.
Product: Checking or savings account

I deposited {$50000.00} on XX/XX/XXXX for a Citi Priority Account. Citi was offering a bonus on their website that if I deposited this money and maintained the funds for 60 days, I would receive a {$700.00} bonus. 

I have not received my bonus despite meeting the requirement stipulated when I signed up. 

I have chatted with Citi reps many times and even was confined that the bonus was coming by XX/XX/XXXX. When this date came and went and I did not receive my bonus, I filed a claim. Citi is now claiming that the promo code I used when signing up was not associated with my account. I did not use or need to use a promo code to open my account for this offer. It was not a targeted promotion. Seeing discussions online, it seems others are having the same problem. 

I would like to be credited the {$700.00} I am owed. 

Statement from Citi rep on XX/XX/XXXX confirming I was to receive the bonus : " To receive the promotional offer reward, " 1. You should deposit the funds within 20days of the account opening with " New to Citibank Funds '', which I can see that you have done successfully by XX/XX/XXXX XXXX. You need to maintain the required amount for 60 days from the XXXX day of account opening which is until XX/XX/XXXX ( Approx. ) After the 60 days period is over, you will receive the reward within 90 days which is on or before XX/XX/XXXX ( approx. ) New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank , N.A . 
and 2 ) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank , N.A . or wire transfer. 
Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as XXXX XXXX  XXXX, XXXX, and XXXX XXXX do not qualify as New-to-Citibank Funds.
Product: Money transfer, virtual currency, or money service

I had transferred money from my checking account to my XXXX account, which totaled out to be {$330.00}, that same day I went to a local store to make a purchase for {$32.00}, once I put my card Iin the machine it said declined, I couldn't understand why, so I did it again, it said declined again, I was totally confused and frustrated, so I XXXX searched for XXXX XXXX phone number, the person I was on the phone with said that there was suspicious activity on my account therefore they were going to proceed to find out why that was, well after few minutes verifying my with them. they said everything was fine, I guess it was because they took every dime out of my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1978 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Mortgage

Foreclosure sale for my home was XX/XX/XXXX, XXXX Letters from my mortgage company are being sent to another address that I did not authorize in the last 5 months. 
On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SN Servicing stated the foreclosure sale is active but there is no sale date scheduled for my property, but the foreclosure was held XXXX XXXX. The modification was previously denied because my income was insufficient for the payment. I resubmitted mortgage assistance request with my daughter income who lives with me XXXX within the appeal time frame. Did not receive denial letter for that submission or the appeal for the denial. I had until XX/XX/year> to appeal. 
I am being mistreated because I am on XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : XXXX XXXX  Synchrony Bank XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXXXXXX XXXX company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Ive been trying for a long time to have the bureaus fix the accounts that were caused by identity theft and they just won't budge. I explained that my roommate was the one that obtained my information and used it to open cup accounts
Product: Debt collection

I was not notified any any form before business listed derogatory information on my all three credit bureaus as required by law. I notified business and also went through XXXX XXXX XXXX requesting business send proof of notification before placing negative information on my credit report but business has not responded.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act FIRST CREDIT FINANCE Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to XXXX, Experian to remove the account, along with the letter from XXXX XXXX stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

XXXX Has yet to even investigate this - Its still showing on my report as well as showing as a Derogatory account. The account should be deleted immediately. 

Experian- changed the account from derogatory to paid- did not even update the account to show there was a dispute, and the account is still showing on my credit report. This needs to be deleted immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Starting on Sunday, XXXX XXXX I attempted to use my debit card and it was declined due to insufficient funds. I called Navy Federal on Monday, XXXX XXXX to ask them to look into why my line of credit was not being utilized on my recent transactions. 

They notified me that my account was frozen due to a delinquent payment of over 60 days. I disputed the claim and told them I always pay back the checking line of credit as soon as possible so that I have the full amount to use as I wait to be paid ( I get paid every XXXX weeks ). 

They said they would investigate further. They could not find any evidence of delinquent payments on my part and could not determine why my account was frozen. They said they needed to get a supervisor involved to further investigate and if they did not find sufficient evidence they could get my line of credit unfrozen through the back end. 

In the meantime they issued a non-sufficient funds fee for an unsuccessful transaction on XXXX XXXX since my line of credit remains frozen. I still have not heard back from them on the investigation as of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2018.  Please investigate to ensure there is no fraudulent activity.
Product: Mortgage

I took a Line of credit through XXXX XXXX  in XXXX of XXXX. My suddenly passed away in XX/XX/XXXX. I was concerned that I needed assistance to resolve his debt .so I contacted Citizens Bank came forth and offered to pay off my debt. I made an attempt to reduce the principle balances by paying extra monies. Citizens Bank then advised me that I would have to request the application on the check that I send monthly reduce the principle balance by paying extra on the principle payments. When I noticed that the balance was not reducing. It was being applied to the interest only. I am now faced with the possibility of not having the payment that have been made in the past 2 years not being applied properly
Product: Debt collection

XXXX XXXX XXXX XX/XX/2019, {$620.00} XXXX, reported to all XXXX credit agencys without giving me any information of debt, no letters, no calls, no email I wasn't aware until I check my credit reports.Merchants Credit Guide : XXXX XXXX acct : XXXX {$780.00}, XXXX {$680.00} and XXXX {$930.00}, also did the same violation of XXXX and XXXX, illegal or unethical communication tactics, Disclosure verification of debt, exessive attempts to collect without giving consent or any opportunity to dispute collections also it was reported to you that hospital was neglacting treatment as treatment never happened as I walked out of the hospital after keeping me hours in agony and pain causing me to go to another hospital I have witness to such neglect
Product: Vehicle loan or lease

I have made a half dozen attempts to have this taken off of my credit as it shows my account is open which it has been closed paid in full and duly noted on 3 to 4 occasions by JP chase bank with the profound and profuse apologies Ive even gotten correspondence in the mail email and the dealership in which I determine vehicle and purchase my new vehicle the controller has the information as well as the finance department and the general manager. I am a single mother of XXXX  who was left with two foreclosures from a ex-husband who left my children and I XXXX  and no choice but to relocate to another state and start over. With seven years of that on your credit and having to start over as a single mother raising XXXX kids you can imagine what this is done to me reliability to get credit to even have a credit card. Ive been more than nice and patient with every phone call Ive made and every person expecting to but every six months this happens again and its destructive and destroying my life. I want every one of the three credit bureaus to receive a letter of apology and correction and whatever they can do to conserve compensate me for the absolute nightmare than dealing with for 34 years of not being able to get a credit card of not being able to secure a financial home for my son to go to college not be able to have my name on my mortgage because my credit wasnt good enough. Its quite humiliating. Please any and everything you could do to advise me as to what my rights are arabesque about selling and settling this from my best interest and to be sure this never happens again to myself or someone else would be appreciated. Thank you so much in advance. Single frustrated Mom