23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this debt with all three credit bureaus and I have filed a complaint with CFPB as well. This debt is being passed around from debt collection company to debt collection company to see who will collect first. It is not fair to me when this is not and has never been a debt of mine. I have no idea how or when this bill was paid or why it stopped getting paid. This account has been taken off of my credit by the original creditor due to lack of validation but the debt collection companies do not care if the information is valid not as long as they can make money off of the innocent. This is not good business or fair to those of us who are doing what is right. If we do not use our credit because we are not constantly buying things how would we know that bad people are doing things with our credit. This XXXX XXXX XXXX has two different accounts and that alone should have thrown up a red flag but no one seemed to notice. I live alone, my kids are grown and I have informed mail delivery so I see everything that comes to me before it goes to my mailbox. None of the things that I am disputing has ever come to me. This is why I am requesting to have this false information removed from my credit.
Product: Money transfer, virtual currency, or money service

I have been trying to have my account unfrozen and have access to {$25.00} in my Venmo account. I have sent them information they have requested and I have asked to speak to a supervisor. At this point, I asked for my account to be closed and mail the balance to me. I would like to ask for damages of {$100.00} also due to the severe inconvenience I have been caused by this delay.
Product: Credit reporting

I put in a dispute, on XXXX/XXXX/2015 it was updated and no changes were made, I called the CRA ( Equifax ) and was told, that the government agency ( Social Security ) vouched that the debt was correct, even though I had sent them a notice and proof of payments to show it was not. ( I am unable to contact the department who reports to the CRA for Social Security, and I have even mailed them directly, they are a subcontractor of the Social Security Administration, and their address according to the postal service is not valid ) The CRA resubmitted the dispute to the government agency a second time on XXXX/XXXX/2015 and my second request has expired rather than the CRA notifying me, and the item has not been removed from the my credit report, further penalizing me for a debt that amount that is inaccurate. Since this time an Administrative Law Judge for Social Security has reviewed my case at the request of my federal representative and the balance of {$31000.00} has been reduced to {$6900.00}, I also uploaded a PDF of the judgement from Social Security with a new account number, my previous debt account is now being used for a dependent debt and is not collectible on my credit report, and yet the balance and account numbers are still showing on my credit report incorrectly, and the information has not been changed on my credit report, nor updated by the CRA, or Social Security, who only seem to report changes one time per year .... and it is now XXXX XXXX 2015.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I received a notice of default on my mortgage from Ditech Financial. I called and was told that my escrow account was short of funds in XX/XX/XXXXand so my payment was increased as of XX/XX/XXXX by {$300.00} per month to catch up the escrow account. I told them that I did not receive this notice nor have I been receiving monthly statements. They checked their information and found that they had been sending the notices to the wrong address. I immediately started paying the new higher amount. The next month I received my first statement showing that they had misappropriated some funds and I was now exactly one month behind in my mortgage. When I called they said that because I paid on the XXXX for the next month, the funds went into suspense and were not applied to my payment. The next month - XX/XX/XXXX I received a notice of default. I called again to be told the same thing and that their automated system was messing up where the payments were being applied. Again, their fault and they would rectify it on their end. Somehow with this call they also changed me over to electronic statements and I did not receive a statement for XXXX. In XXXX, I got the default notice again. My husband spent 4 hours on the phone with them and got them to accelerate our issue to the next level of management. The date of that call was XX/XX/XXXX. Someone named XXXX at ext. XXXX. She waded through the whole mess and again told me that since I send my payments early, the system is not applying my money to the correct area. She took all of my information and said that if I paid {$98.00}, we could be back to up to date. They would take some of the funds in suspense and apply it to the payment, and would " borrow '' some of the escrow funds to pay back the approx. {$1200.00} of escrow fees late from XXXX - XXXX. She was going to call me back the next Monday, one week later, to verify that she had it all worked out. I did not submit the {$98.00} since the automated payment would likely get applied incorrectly. I was going to do that when she called me back. She never has. I have left 5 messages personally on her voicemail, my husband has left 3. My Mortgage statement shows us now a little more than one month behind and I have paid EVERY payment early. Is there any help I can get for this at all?? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to strongly dispute the fraudulent items on my credit file, and I demand their immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate, and their presence is causing significant harm to my creditworthiness. I am demanding the immediate deletion of the following items off of my Credit File as soon as possible : XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX US DEPT ED XXXX Balance : {$3100.00} XXXX US DEPT ED XXXX Balance XXXX {$460.00} qt DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} US DEPT ED XXXX Balance : {$6800.00} XXXX US DEPT ED XXXX Balance : {$7200.00} XXXX US DEPT ED XXXX Balance : {$3900.00} XXXX US DEPT ED XXXX Balance : {$6700.00} XXXX DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.
Product: Credit card or prepaid card

I attempted to purchase a mattress  on XX/XX/XXXX. I was told I would receive the mattress within two weeks of the purchase date but it never arrived. I was told I would not have to pay a restocking or cancellation fee if I did not want the mattress. The salesman and manger both told me this and that portion of the contract was x'ed out on the contract I signed. It is clearly visible. I have tried disputing it but Synchrony will not review the documents. They are just taking the merchants word for it. I have also been harrassed while disputing the charge via text messages and phone calls starting on XX/XX/XXXX. I just received the dispute letter on XX/XX/XXXX. Postage date is XX/XX/XXXX. They started harassing me before they even sent the letter. I feel that Ashley 's Furniture is lying to their customers and using unethical business practices to obtain money for items a customer never receives and Synchrony is allowing them to do so by siding with the merchant and not reviewing the documents. I want the XXXX $ charge removed from my account and I do not want this to happen to other people.
Product: Credit card

I filed a dispute on XX/XX/year>, regarding a transaction ( case number XXXX ). I have requested updated documentation regarding the status of the dispute along with the final decision. I was informed that no documentation will be provided regarding the status and decision of the dispute. The only document I have is the original one which was created when I initially filed the dispute. 

I spoke with managers XXXX ( XXXX ) and XXXX ( XXXX ). Both managers have refused to send me documentation.
Product: Checking or savings account

I have had a HELOC with Bank of America because of the economic meltdown of XXXX, XXXX, XXXX when I was a real estate agent and sold very few houses. We were required by Bank of America to have a checking account associated with the HELOC where payments to the HELOC came out of. We have bank accounts with other banks and didn't always keep the minimum amount in the required checking account and -- even though we continued to make payments to the HELOC on time -- we were charged {$25.00} per month for not having the minimum balance in the checking account. I estimate that we have been bilked XXXX  of dollars. I want it back!
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
WORLD FINANCE, balance is {$230.00}, and account # XXXX
Product: Checking or savings account

I had to change my checking account was hacked by a XXXX XXXX all set with my account but they could access my social through my banking.
Product: Money transfer, virtual currency, or money service

Middle of XXXX a friend sent me {$100.00} through Cashapp. I had to cashout to receive the funds because i was broke down on the side of the road with my kids. Cashapp kept rejecting the transfer of my funds several times. Everytime I contacted cashapp through online and phone support NO ONE was able to help and just kept stating someone will email me. Weeks later still nothing and reps still saying the same. I suffered damages due to cashapp not giving me access to my cash. I will be invoicing them for {$5000.00} due to this I deserve a remedy and as a secured party If I do not receive I will start an administrative process to place a lien. 

Thank you
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX XXXX are violating my consumer rights by reporting a late payment for the account # XXXX XXXX  year opened> that they have not proved to be verified as accurate. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge Company information Transunion continues to violate my consumer rights, which I deem harmful to my financial health Iam demanding that this Late payment be updated and corrected. I was never late on this account,
Product: Checking or savings account

I contacted the BMO bank branch in XXXX where I had a security credit card in early XX/XX/2023 with a request to close the account and return my money. I was told that I should call the number on the card and close it, which I did. However, despite because the account was closed on XX/XX/XXXX, I did not receive my deposit back. I repeatedly called the hotline and every time I received an answer that I would receive my money and the delay was due to the fact that someone had the wrong address and other excuses. On XX/XX/XXXX, I contacted to another branch in XXXX. The XXXX XXXX wanted to help me and tried for a long time to find out why I had not received anything. Then she was told that within 10 days I would receive a check from the bank. As of XX/XX/XXXX, I only received promotional papers from BMO bank. I spent a lot of time and effort to take back your deposit. Also the XXXX XXXX, but we still couldnt get anything. Please pay attention to this bank because many clients complain about it.
Product: Debt collection

XXXX Bank, XXXX, Midland funding I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you XXXX XXXX my name and sale alleged account to Midland Funding, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed
Product: Debt collection

I tried contacting the company to about the debt to have them provide proof that it was me that opened the account and ask them to send pictures of my ID and social security card and contract with my wet signature and if they can't to kindly remove the item but they have yet to respond to my XXXX letters
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is not mine. I received a letter from my employer informing me that there was a breach in our database and my info was stolen as well as many others. This debt is not mine please stop the harassment.
Product: Vehicle loan or lease

On XXXX XXXX I paid off an auto loan for a XXXX XXXX XXXXXXXX in the amount of {$17000.00}. I called Truist the next day on XX/XX/XXXX, and a formal complaint was issued to request a paid in full letter. I have since talked to the company twice via phone on XX/XX/XXXX & XX/XX/XXXX and twice via the online question center requesting a digital emailed copy of the paid in full letter. I have also been experiencing problems logging into my online portal. I frequently get automatically timed out when I submit my login information. If ... I am able to login, all of the payment receipts, statements, and even account information have been removed. The customer service representatives have submitted formal complaints requesting the paid in full letter, but blame the " back office '' for neglecting their job and tell me to call back in a few days to see if it has been posted to my account. In the meantime, the {$17000.00} was approve and cleared by my bank XXXX XXXX on XX/XX/XXXX. I was told by the customer service rep that I should have received a emailed & mailed receipt after the payment to which I received neither. The last form of communication i received from Truist was on XXXX XX/XX/XXXX in the form of a digital statement. As with the for mentioned example, I have not received in information on the title transfer from Truist to myself. My personal property is being held by the Truist Company with no representative having a clue of how to competently handle the situation or to which steps should be taken to get both the " paid in full letter '' or the " Title Transfer ''.
Product: Credit card

I XXXX  that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Bank account or service

I applied for a used auto loan through usbank.com. The automobile I was looking to take a small loan on ( ~ {$6000.00} XXXX ) was a 10 year old vehicle with 140,000 miles on it. 

After I completed an application and my credit was pulled, a representative from USBank called me, and told me there was no chance I was going to be approved, not because my ( outstanding ) credit was bad, but because they have an internal policy at USBank that they can not loan on vehicles of a certain age or mileage. 

I expressed my concern that they pulled my credit, something that will affect my credit score for up to three years, when I should not have even made it through the application phase. I filed a complaint asking them to remove the credit inquiry with the credit bureaus. After a month I received a form letter informing me that they would NOT remove it, since it was part of their application process. The letter stated I could only further investigate it if I believe fraud or identity theft was the cause. 

If a company has such simple rules for loans, then it should be front and center in the application process. I feel like I have been victimized here, that my credit has now been negatively effected, and that US Bank does not want to take responsibility.
Product: Credit card

A few months ago, I contacted Capital One VISA to dispute several charges from a company, XXXX XXXX or XXXX, who over a 10 month period charged me approx. {$2000.00}. It started from an internet 'trial ' offer of {$3.00} to try eye serum and {$4.00} 'trial ' offer for face cream. Once it arrived, I discovered the pump on the XXXX ( XXXX ) XXXX bottle was defective and required removing the lid and scooping the goo out with a finger. The face cream was greasy and did not absorb well. I decided to phone the company to discontinue the products only to find the number XXXX to be disconnected. From that point, I returned all future unopened deliveries and labeled " Cancelled '' on each one, assuming I would be credited. It was n't until months later when I noticed the various, suspicious product names on the XXXX statements that seemed to rotate each month. These product names were XXXX ', XXXX ', XXXX , XXXX '. I never ordered additional products other than the XXXX trial offers that totaled less than {$10.00}. The first person at Capital One VISA customer service I spoke to in attempting to rectify the problem was employee # XXXX. She listened politely to my dilema and explained that Capital One would send a dispute letter to the merchant while temporarily reversing all the charges. If the merchant did not respond, the credits would hold and If Capital One VISA believed these charges to be fraudulent, all charges would remain dismissed as well. The maximum credit period was normally 90-120 days but could cover the entire 10 month period if fraud was evident. At that moment, it felt great that justice would be done in hopes that potentially thousands of other trusting consumers would not be duped as I was. My optimism was short lived as I received a letter XXXX/XXXX/16 from Capital One stating they were reapplying all the charges and if I still wanted to dispute these charges, I was to contact the merchant directly. I then contacted XXXX XXXX, also doing business as XXXX ' and XXXX XXXX ', etc. and spoke to XXXX. 
She explained they would only give me a 30 day credit until I told her I would file a complaint with Consumer Protection. She placed me on hold then returned to offer a 90 day credit. When I asked her why the change, she replied it was due to my threat to report the company to the Consumer Protection Agency. ( Frankly, I was a little surprised she would admit it. ) She e-mailed me confirmation to that agreement but did not send it to Capital One. Therefore, I did not receive the credits. All in all, I have spent over 20 hours and have spoken to 17 Customer Service people ( on the phone ) with Capital One VISA attempting to correct this cluster. The customer service supervisors were the least helpful, especially XXXX and XXXX who shared the phrase " Capital One has done everything they can ''. Really?.... and I pay 17.9 % for protection? Hopefully, your agency can be of assistance. Thank you.
Product: Mortgage

My mortgage switched over from XXXX to ShellPoint. During the conversion, a payment was applied to the principle and not to the monthly payment as requested. I have called on the following dates- XX/XX/XXXX ( initial payment inquiry ), XX/XX/XXXX ( realizing payment wasnt applied correctly and made payment and was assured it would be corrected ), XX/XX/XXXX ( requesting new company to research, provided payment information to prove payment was cleared ), XX/XX/XXXX ( company finally researching to see payment was applied to the principle and would be routed in the correct direction, XX/XX/XXXX, XX/XX/XXXX. 

I am currently ( XX/XX/XXXX ) on the phone with them now to apply XXXX payment while the XXXX payment is being resolved.