23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my report that should have never been there since i never recieved notification of the debt. I am in the middle of purchasing a house so instead of fighting the debt i paid just paid the collection because the rep told me on the phone it would be removed. I disputed it with the credit bureaus as well just to make sure that it would be taken care of. I had my credit repulled and it is still showing with 2 of the credit bureaus and those credit bureaus look like they haven't even looked into it and opened up any investigation. Please help me to get this removed as it never should have been there to begin with and they are not doing what they told me they would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XXXX XXXX - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN responded to complaint XXXX regarding obtaining and sharing my information. EXPERIAN did not and does not have my express written consent to even begin to obtain any of my information, let alone share it. 

EXPERIAN shall provide documentary evidence of consent I have given to them or permissible purpose to obtain or share any consumer information regarding myself. 

EXPERIAN shall provide documentary evidence of consent I have given to XXXX XXXX  to furnish any consumer information regarding myself to EXPERIAN.
Product: Credit card

I booked a hotel on XXXX through citi travel portal. Unfortunately my flight got delayed and I called the hotel. The hotel suggested me to call citi travel agents since I booked it through them. I called them twice and they promised me to solve the problem and gave me the update, But they end up doing nothing until I called them again next morning. Eventually the hotel charged me fully with money plus citi thank you points. I made a dispute and they judged it was my responsibility. I called their customer service and they cheated me that I won the case.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My attached XXXX report of XX/XX/2022 shows 2 accounts which have inaccurate payment and other data as no data has been reported since XXXX and XX/XX/2022. Both accounts are CLOSED and I have made more than 6 monthly payments on each account after furnished stop reporting to XXXX. Both accounts are inaccurate as furnisher failed to report the accounts as CLOSED by Consumer. One account still is inaccurately reported as XXXX in willful violation of the FCRA. Since my credit report does not reflect at least 12 monthly payments since reporting was abandoned going back to XXXX, I dispute the data in my credit reports. XXXX and furnisher knew the data is incomplete and inaccurate but grossly failed to comply with the FCRA obligations and prohibitions by allowing inaccurate and stale data to remain and failing to mark the accounts as CLOSED By CONSUMER. Once a furnisher stops reporting, there is a presumption of inaccuracy and abandonment of a right to report and every CRA must automatically DELETE stale reporting files. My accounts must be Deleted and in the interim reported as Disputed and Closed by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was alerted that my XXXX credit account reported to Equifax as a 30 day late. I was not 30 days late at all and this report to my credit bureaus lowered my scores severely. 
When I called XXXX they first claimed it was correct then after reaching out to the CEO of XXXX he looked into the problem and they fixed the late but its still showing 30 days and reporting low points. A See when derogatory hits the credit it takes a huge point away but when hood gets back on its very little points added back.
Product: Credit card or prepaid card

I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX   XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. 

I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.
Product: Debt collection

XXXX XXXX XX/XX/2019 XXXX Case No. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Member Number XXXX Contract Number XXXX Contract Date XXXX Mr. XXXX XXXX, During our interview to purchase a vacation package that included a yearly allotment of XXXX points to use each year XXXX XXXX, our sales representative advised us that we could offset the cost of our vacation package by exchanging XXXX points yearly to offset the monthly cost of the package reducing the payments to {$160.00} +/- monthly. He said he would advise us as to how to do this exchange of the points once we had been approved. 

We realized that we could not afford this package if this exchange of points to offset the cost did not occur or directions from XXXX XXXX did not happen. 

We called to see if we could cancel the package on XX/XX/2019 which was the 14th day after the signing of the contract. We thought we had 15 days after signing the contract to cancel the purchase as we had no on-site inspection of the property as stated in the Tennessee Law. 

We originally had contract XXXX and we have paid {$6000.00} toward the down payment and we still want to keep this contract. Please cancel Contract Number XXXX and let us keep our previous package We faxed a Rescission ( intent to cancel ) to the fax no XXXX on XX/XX/2019 and received a confirmation that the fax was received. Please help us cancel this contract as we can not afford it. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX THIS CASE HAS BEEN SETTLED BUT THE DAMAGE TO MY CREDIT HAS TAKEN A BIG HIT IN THE DIFFERENCE OF MY CREDIT SCORE. I AM SUBMITTING THIS DOCUMENT AS JUSTIFICATION FOR NOT PAYING THE FINANCE COMPANIES. PLEASE ADVISE THE CREDIT BUREAU OR LET ME KNOW HOW TO DOCUMENT THIS ADVERSE RESULTS OF THE NEGATIVE CREDIT REPORTING BY THIS COMPANY.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is XXXX the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Product: Checking or savings account

When doing withdrawals from account. Would let the little amounts sit. And let the big ones post. Racking up overdraft fees. Closed my account.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I came into the bank with {$3000.00} dollars, at. Wells Fargo Bank located at XXXX XXXX XXXX, XXXX, XXXX. I requested to open. A Bank Representative named, XXXX XXXX assisted me with opening up Saving Bond and or investment account for my XXXX children. The Account was suppose to have been a savings bond for my children savings for when they got older to use the money for their graduation expenses this year XXXX. The teller took the {$500.00} deposit for that account and forward it to some kind of investment broker that handles Saving investment bonds, then list my information to the Savings bond account. She did not remember me giving her the money for that separate account. On that day she gave me a paper of receipt for the Savings Bond, but it was destroyed through the years from a Storage Auction at XXXX XXXX on XXXX XXXX, in XXXX. I thought the Wells Fargo Bank would have a record of it, but the Manager kept saying I have to speak to the bank representative that opened the account for the information on that Savings Bond. My complaint is that my money was not returned or located in that branch. The representative, XXXX XXXX relocated to another branch and my account was never retrieved and the money was never refunded. That year I had a Savings and checking account with Wells Fargo also. That same day I deposited {$1000.00} into my savings and {$1000.00} into my checking account and {$500.00} into the Saving Bond. Investment account, which was stolen or misplaced by the bank representative, XXXX XXXX. How can I get a refund of the monies I deposited for my children 's Saving Bond investment account. I need an investigation of why the money was stolen or what account did the money go into. I want to know why the account information to the Savings Bond withheld from me or stolen and or destroyed. If the money is found or retrieved please forward it to my current mailing address : XXXX XXXX XXXX XXXX, NJ XXXX. My contact number is XXXX XXXX XXXX XXXX. Thank you for reviewing my complaint.
Product: Debt collection

I am writing to report a debt collection agency called Persolve LLC. They are located in California and their address is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX. 
They committed a fraudulent act that needs to be investigated and resolved immediately. On the first week of XXXX XXXX, I received a notice of levy under writ of execution in the amount of {$13000.00} from XXXX XXXX XXXX who I was banking with. The notice had the name of the agency collecting the debt, Persolve LLC vs my name. This caught me by surprise because this was the first time I received anything regarding this company collecting this debt. Immediately I went to the bank to see if this was even real and tried to withdraw my funds and discovered the bank had placed a hold on my account. In fact I even went to the police department to try to report the collection agency as fraudulent and they asked me to contact either the agency or the court. 
I called Persolve LLC and spoke with XXXX XXXX who was apparently assigned to my case. He told me this was related to a credit card debt that I didnt even have and tried to convince me that I owed the money. In fact, he tried to ask me for additional payment even after the levy was in progress. Next I called the courthouse in XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX, XXXX, CA XXXX ) that was handling my case and they told me I was served. After I asked them when and where, they told me they sent the summons at an old address that I lived XXXX years ago so I never received any mail related to this case. Therefore, I never got a chance to dispute the case and the agency stole the money right out of my account. 
This incident created a great amount of stress and anxiety and distrust in the judicial system and even the banking system. The agency consistently kept calling me for a few months after they stole my money. I wanted to pursue a lawsuit against the agency to get my money back but I did not have the funds to retain an attorney to fight my case. I am seeking your assistance to investigate Persolve LLC to ensure this doesnt happen to another citizen.
Product: Debt collection

The amount of {$500.00} was reported to the credit bureau as debt collection on XX/XX/2023 and they did not leave a contact number and i dont know how they got my social security number
Product: Mortgage

Dear Sir, I am writing you to request a loan modification. I purchased my home in XX/XX/XXXX.The mortgage I received was 80/20 mortgage later the 20 mortgage turned into a line of credit with a rate 8.60 that  balloons in XX/XX/XXXX. I work for XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX, Delaware. XXXX XXXX telephone is XXXX XXXX XXXX. My boss is XXXX XXXX. A new company takes over XXXX the first of the year XX/XX/XXXX. The new company has not said if they are going to keep XXXX XXXX. My hours have been changed to 24 hours a week. I was paying {$1600.00} a month in mortgage payments to pay off the loan by XX/XX/XXXX. I can no longer pay {$760.00} to Bank of America a month. XXXX XXXX holds the XXXX mortgage which is {$850.00} at a rate 3.00. 

Here is a list of my present estimated bills : XXXX XXXX XXXX XXXX {$210.00} IRS {$1200.00} Bank of America {$760.00} XXXX XXXX {$850.00} extra {$20.00} towards escrow XXXX XXXX {$260.00} XXXX {$250.00} XXXX {$130.00} XXXX {$45.00} XXXX {$28.00} XXXX {$77.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX {$200.00} Food/Clothes/living expense/doctors/ house maintenance/XXXX XXXX {$500.00} Income XXXX XXXX {$690.00} Social Security {$1000.00} Post Office {$1700.00} Thank you for the loan Modification as you can see from the past I pay all my bills. This present loan with Bank of America is going to mature in the year XX/XX/XXXX and is a balloon mortgage, and I would like to pay it off on time and keep my home.
Product: Credit card or prepaid card

Case # XXXX I had my personal doctor process notes paperwork with my personal information on it DOB, Soc number, telephone number, email address, insurance information, other personal information about me. I also had money, my Fifth third debit card, make up and car keys ( XXXX to replace keys ) in my bag. I had my bag stolen from my therapy work out session. The Suspect that stole my items used my Fifth Third debit card on transactions that I didn't authorized I contact Fifth Third bank the same day the theft occurred to have them to block the debit card. Later I discovered that my card was used to purchase goods and services that I didn't receive The suspect order XXXX XXXX concert tickets in the amount of {$170.00} ( I don't listen to Blues music ) and made other fraudulently transactions with my debit card. Then later the suspect had hack compromise my account with Fifth Third bank I had to go into the Fifth Third branch to close my account and stop all my direct deposit due to the suspect made numerous attempts to get money out my account. I contact XXXX XXXX and informed them that the purchase in the amount of {$170.00} was made without my permission, and that my debit card was stolen. The suspect was never able to use the tickets but XXXX XXXX still charge me for the fraudulently charges of {$170.00} my Fifth Third Bank had given me a temporary credit in that amount but on XX/XX/XXXX Fifth Third bank reverse that money back. I shouldn't be held accountable for this fraudulently transactions I reported this to the bank and contact the Merchant. I file a report with your company also in XX/XX/XXXX and XXXX at Fifth third bank ( XXXX ) XXXX contacted me concerning this case but she didn't resolve the matter. The suspect had all my personal information so the suspect could put my personal information such as name email address and physical address into the computer to obtain goods. These transactions were made over the internet. Fifth Third bank is FDIC and are to secure my money at all times. I did the appropriate procedures to file a claim with the bank and i followed all the guidelines and also file a police report I would like for the bank to give me my money back.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill is legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverified accounts resolved the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting reasonable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience where Experian has neither corrected no removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

We have been having a terrible experience with Fifth Third 's mortgage services. We were notified in the end of XXXX that we needed to increase our flood insurance on the property for which Fifth Third holds our mortgage. We contacted our insurance broker immediately and increased our coverage, and the insurance broker informed Fifth Third and sent proof of this coverage promptly. However, Fifth Third continued to overcharge us each month. Our insurance broker called the company multiple times to correct our escrow. In all, we were charged more than {$2000.00} over what we should have paid during this time. 

I called them on XX/XX/XXXX to resolve this issue on the phone. They agreed that our flood insurance did indeed meet their criteria and that we would be refunded the overage, and our monthly payments would go back to the normal amount. They did send us the money back and reduced our monthly payments. 

Then - once again- on XX/XX/XXXX we received yet another letter and escrow statement indicating that Fifth Third would be increasing our escrow again, due to a gap in our flood insurance. So I had to call the customer service line again. Their escrow department said that they didn't send that letter and that everything looked fine on their end, so they transferred me to the main customer service line. The customer service department said that we needed to provide proof of sufficient flood insurance and needed to pay the increase amount. When I said that they had all the documentation they needed - and in fact their escrow department had just told me that our coverage was sufficient- they transferred me back to the escrow department. That person had to go check with some other part of the organization on why the flood coverage wasn't sufficient. 

The escrow department then told me that under Federal regulations they had to escrow my flood insurance. I told them that this could not be true, that was illegal as far as I knew. So she sent me to her supervisor. When I asked what Federal Regulation required this, the supervisor said that she hadn't told me that and needed to do more research. So she put me back on hold. As I submit this, I am still on hold and this matter is still unresolved. 

Fifth Third is either doing this on purpose ( in order to make extra money on the cash ) or their systems are not functioning properly. Either way, it's not acceptable to continually ask us to pay a lot more money monthly than we should be paying, then make us sit on endless phone calls that go around and around in order to get it fixed. The addition of telling me that it was a Federal Regulation was very concerning. I have no idea how many other people they are doing this to, so I'm writing this to try to prevent this from happening to others.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

My information was marketed and sold to unknown individuals or entities during Equifax data breach. I was in confinement in jail from XXXX XXXX  to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that Equifax acknowledges that I was a victim of their data breach. I have disputed items several times and Equifax has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that Equifax has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.
Product: Credit card

I made a purchase in XXXX XXXX using my Macy 's credit card to receive a discount in the store. I never received a bill and forgot about the charge. I received a letter on XXXX XXXX, XXXX saying that Macy 's had been trying to contact me for some time. This was surprising to me as I had not received any letters, emails, or phone calls prior to this letter. I called and discovered that Macy 's had been charging me interest and late fees on my account and I asked to have a supervisor call me. I had not received a bill. In talking with the customer service representatives, it became clear that the ebills that I had signed up for were not being sent by Macy 's since they had changed my account from XXXX to XXXX XXXX. I confirmed with my bank that they would have still delivered the ebills even if the account number did n't match what was in my ebill list. Macy 's confirmed they did not have an email address for me, they had not sent me paper bills, and they did not leave me any voicemails indicating that there was an issue. Once I received a copy of the bill in question, I paid the amount owed for the merchandise bought. I waited for a supervisor to call me and no one ever did. After spending over an hour on the phone today, I finally was able to agree to pay the late fee and interest for the first month of non-payment ( {$29.00} ). I am very dissatisfied with the process Macy 's has for this issue. The first communication I received was a letter ( see attached ). I called and requested to speak to a supervisor, and was never called back. In talking with XXXX XXXX today, he was unable to tell me where they were sending ebills as they have no email address on file and his system apparently did n't say where the bills were going. He also informed me that while his system shows they called me, they do not leave voicemails for security reasons. I explained that I am employed so am not home waiting for phone calls and that I expect that if someone wants to reach me they will leave a voicemail, which XXXX explained their practice is not to leave messages. That is ridiculous. I was also told that when a customer signs up for ebills, they do not receive paper bills. Again, if a customer who in the past has always paid in full on time ( see ebill history attachment ), a reasonable person would see that there is an issue and contact the customer before 5 months have passed.
Product: Debt collection

They call EVERY XXXX and 3 times a day! 
Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. 
As far as I 'm concerned, this is harassment.
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 ( XXXX ), 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 XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX