23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX a hard credit inquiry from Kay with creditor XXXX XXXX was noted on my XXXX report. 
On XX/XX/XXXX a hard credit inquiry from Jared with creditor XXXX XXXX  was noted on my XXXX report. 
On XX/XX/XXXX immediately after seeing this notification, XXXX and XXXX XXXX were contacted. XXXX advised to contact the creditor and file a fraud report with FTC. 
XXXX XXXX  advised me there was an account with Kay opened, but had no balance or charges. They advised there was an application from Jared for line of credit that had not yet received approval. BOTH of these were cancelled and XXXX XXXX  stated they would be contacting these retailers informing them the account holder did not open these accounts. They also advised I would receive a letter in the mail for the closure of the account with Kay with no balance, and the cancelation of the application with Jared.
Product: Credit card

I applied for a Bank of America credit card that had XXXX XXXX XXXX XXXX points. The card was issued and if I spent {$1000.00} in 3 months, we would get XXXX points worth {$300.00} XXXX with either company. I requested the XXXX points and was told it would be worth {$300.00} but the company only forwarded {$150.00} to the cruise we are on. I had called Bank of America about it and a lady wrote down a request to check into the issue. Even the lady I talked to said it should have been {$300.00} but she wasn't able to do anything about it. After a week or so not hearing anything I wrote the XXXX XXXX XXXX about it and the following person was put in charge : XXXX XXXX | XXXX, Resolution Specialist Regulatory Complaints Operations ( RCO ) Executive Complaints Bank of America She says we spent the correct money in the 3 months she says we got the XXXX points but doesn't seem to get how much its worth. She seems more than happy we got {$150.00}. Issue is that XXXX points are worth {$10.00}. XXXX points we had is worth {$300.00}. I asked her to show me the points/rewards chart that says you get {$150.00} for XXXX and of course she hasn't sent it because there is no chart that shows that. It's {$10.00} per XXXX points. She just doesn't seem to care. I would love her to show me how I'm wrong and she's right but in reality, she just seems to say go away. Show me I'm wrong and I will go away. I uploaded the screen shots. You can see I had XXXX and redeem XXXX points. It shows {$150.00} but the fact is XXXX points is worth {$300.00}. The flyer that Bank of America sent us said it would be worth {$300.00} and if you check with XXXX XXXX points is worth {$300.00}!
Product: Mortgage

I received a notice of default from Seterus, Inc. To cure the default, I paid what I owed for XX/XX/XXXX and XX/XX/XXXX and made sure the payment was delivered on XX/XX/XXXX by COB. The notice of default said to pay w/a cashier 's check or money order ; I used a cashier 's check. It said to mail the payment and gave an address, which is the address I used. I sent the payment via USPS. I have a receipt showing that payment was delivered on XX/XX/XXXX. I have the tracking number for the payment as well as a screen shot of the USPS web page that says the payment was signed for on XX/XX/XXXX before COB. And yet, Seterus shows my payment as received on XX/XX/XXXX, which would mean Seterus thinks I did not cure my default. I called and talked to a Seterus employee who verified that payment was received and signed for on XX/XX/XXXX before COB. 

I need Seterus to correct the record immediately. I have not attached any documentation, as Seterus either has it already or has access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  XXXX  XXXX {$790.00} XXXX XXXX XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my inaccurate information on my credit report. I pulled my credit report on XXXX  and notice my personal information was incorrect. I then sent my dispute letters certified mail with proof of my identity & proof of residency by providing a bank statement on XX/XX/XXXX  to all three credit bureaus XXXX, XXXX and Experian to fix the inaccurate information. I even called on several occasions neither credit bureaus wanted to fix the inaccurate information even though I verified my identity over the phone. Its been a headache the way the credit bureaus handle consumers its like they get a kick out of not helping people fix the inaccurate errors. I will like if they stop violating the FCRA by reporting inaccurate information on my consumer credit file. My name should only be reporting just like my ID as XXXX XXXX XXXX and only ONE address XXXX XXXX XXXX and only ONE city, state, Zip code XXXX XXXX IL XXXX, MY DATE OF BIRTH XXXX should be corrected as well XXXX REFUSE TO CORRECT MY BIRTH YEAR. This correction should be easy to correct just like my dispute letter stated. XXXX feel as though due to me trying to correct my inaccurate information that XXXX working with a third party credit repair company. XXXX XXXX the supervisor of XXXX was the most disrespectful person to deal with consumers. He really argued with me that Im working with a third party company the amount of time he put in to go back and forth with a customer is ridiculous. I pray he find another profession that fit his need because he constantly insists on not correct the inaccurate information.
Product: Mortgage

l live in XXXX, FL where Hurricane Irma impacted the area on XX/XX/XXXX. My home took significant damage and I had a sizable deductible on my policy for the damages. I contacted my mortgage company, XXXX XXXX XXXX XXXX, on XX/XX/XXXX and was told that I would qualify for the 3 month forbearance for the months of XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX I called my 'relationship manager ' at US Bank and was told that if I completed a Uniform Borrowers Assistance application and myriad other documents and submitted them through XXXX and also sent them to US Bank ( via email ), I would qualify for a deferment plan and the three months mortgage payments would be moved to the end of my loan. I submitted all the requested documents on XX/XX/XXXX and US Bank and XXXX both acknowledged receipt of the necessary documentation. A week or so later I spoke to my relationship manger at US Bank and she informed me that there was no deferment program, that my loan could not be modified and that on XX/XX/XXXX three months payment were due. On XX/XX/XXXX I submitted a complaint and hardship letter to a special email address at US Bank ( XXXX ), which I received from them in a letter. In my communication I made clear that I was told by the relationship manger that I would qualify for the deferment plan if I completed and submitted the aforementioned forms. 

I received a formal response from US Bank 's Customer Advocacy Representative dated XX/XX/XXXX. In the letter they stated that " ... the representative you spoke to on XX/XX/XXXX informed me that the forbearance plan was not a deferment and that a deferment was not an option for my account ... '' During my many discussions with the relationship manager and other customer representatives I always asked for a written confirmation of the deferment and was consistently told we do not confirm in writing, but we will make a notation on your account. 

The Bank has since extended the deferment thru XX/XX/XXXX, and on XX/XX/XXXX I will owe for four months. Monthly payment is {$1600.00}. The Bank has reneged on the promise to modify my mortgage, denied they ever infomed me of this and will not work with me to resolve their error.
Product: Debt collection

This company calls my phone every single day. They are looking for XXXX something - I am not associated with this person nor is there anyone by that name at my phone number. This may be the prior owner of the cell phone number or a bad contact number given by the person they are looking for. I have advised this company of this information on at least 6 times but they continue to call. This company is NOT licensed to act as a debt collector in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

Adverse accounts are to be removed 7 years from the FIRST DATE of Delinquency. On my Trans Union Credit Report, XXXX XXXX  should fall off in XX/XX/XXXX as the first date of delinquency was XX/XX/XXXX. I can provide proof if required. Trans Union states it will be removed 7 months AFTER that in XXXX of XXXX. It should be corrected to reflect XX/XX/XXXX. I've contacted TU multiple times on this to no avail.

5 accounts were Charged Off yet still show a balance due. I believe my report should reflect a XXXX balance due given the accounts were charged off. The 5 accounts are : XXXX XXXX ; XXXX XXXX ; XXXX  ; XXXX ; XXXX. I've contacted TU multiple times on this to no avail.
Product: Money transfer, virtual currency, or money service

in XXXX I filed a claim for lost travelers checks with American Express. multiple phone calls and emails. first they said I had to file a paper claim. when I did, with the forms they sent me, they said it was wrong form. filed again. in mid XXXX they said they sent a check. never received. called again. on XX/XX/XXXX said they would send another check. called XXXX said they sent check still have not received either one. They keep telling me to send me my bank info for an e-check. i keep reusing and said paper check ( which they said they sent twice ). phone number used is XXXX XXXX XXXX. 

email : Dear Ms. XXXX, Greetings from American Express. 



I am contacting you with reference to your claim for American Express Travelers Cheques. 



I would like to let you know that your claim was approved and the Refund Cheque was issued successfully to you on the XXXX XX/XX/2018 to the below mentioned address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI - XXXX XXXX Refund Cheque Number XXXX If you have not received the refund cheque by now we can place a stop payment on the cheque that was issued and do a bank transfer instead for faster refund. 



For bank transfer we will need the following details Bank Name Account holder name Account Number Routing Number If you have any questions please call American Express immediately at XXXX quoting your claim number. 



Yours Sincerely XXXX XXXX Claims Review Department American Express ( XXXX XXXX +XXXX amount was {$100.00}
Product: Student loan

Sallie Mea 's total amounts are inconsistent. Each time I called on XX/XX/2017 I was given a different amount that I owe. I called and spoke to agent XXXX and was told I had a past due amount of {$290.00} with a total amount of due of {$580.00}. I had to hang up to get missing information to complete my transaction because I was doing a forbearance and was given an amount by agent XXXX. Who then told me I owe a total amount of {$290.00} and owe {$580.00}. 

I checked my online statement and the amount that was past due on my online balance was {$290.00} with a total past due of {$580.00}. 

After I refreshed my computer the total amount was then change to {$590.00} and the past due remain to {$290.00}. 

I called back and spoke with XXXX agent XXXX and told him what happened and he said that the amount I was originally given was not reflecting late charges of {$15.00} which gives me a total of {$590.00}. While he said this the amount on my online statement reflected {$590.00}. I told him I needed to speak to someone who could fix the amounts so that they reflected the amounts they were giving me he gave me the number ( XXXX ) XXXX. I thought and he said they could fix it. This number redirected me to agent XXXX who then said that my late fees were {$14.00} and on his end he saw a total past due amount of {$580.00} with out the late fee of {$14.00}. This would make more sense due to the reflected amount, but at this point Sallie Mea should be audited. It seems like every time someone calls the amounts keep changing. I would like a full audit of this loan bank and your agency should keep eyes on them for inconsistency in fees and loan amounts that other customers may be having. Also, all conversations were recorded on there end and I have screen captures to prove their inconsistency.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX - XXXX XXXX. XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

5 third Bank charge so much in overdraft fee ive been overdraft XXXX days and i went from over drafting in the amount of XXXX now i owe XXXX dollars in over draft ive paid multiple overdrafts with fifth third they have told me the system has not updated and thats why when you paid the fee it hadn't updated in the system that's why i got charge ive been with then for XXXX months and have paid over XXXX in ovetdraft fees with overdrafting in small amount
Product: Debt collection

( XXXX ) The debt collector could not give me the details about the bill that I was asking for and would not stop talking and listen to me long enough for me to get the clients account number so I can figure out if it was a facilities charge or the doctor 's billing. I need to know what I am paying. He threatened that it will continue to stay on my credit and he will tell the client that I am not willing to pay even though I told him I will pay the bill as long as I know what I am paying.
Product: Credit card or prepaid card

An account was opened for me XX/XX/XXXX. At that time I was in the process of repairing my credit. My credit score was in the low XXXX and I had filed a Bankruptcy. However, I was given a card. In the 2 years that I have had the card, I have paid on time and my limit has been increased. However, in XXXX of this year ( XXXX ) I called the store to see if i could get a XXXX XXXX with the card. I had cut the card up after XXXX in an effort to pay it off..However, they told me I would need the card and asked if I wanted another one. I said no, I'm trying to buy a house, so that was OK. The next month I got a letter saying they had decresed my limit, based on my credit report. My credit score is now XXXX and all the accounts in my name have paid been paid on time. The decrease in the limit has lowered my credit score. Can they lower my limit for no valid reason, other than I didn't want another card?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell EXPERIAN CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX XXXX XXXX XXXX # XXXX account in error. This account has already been resolved and should no longer be on my credit. Experian is the only bureau still reporting this collection and it is invalid and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2016 Balance : {$0.00}
Product: Bank account or service

Bank of America closed all of my accounts in XX/XX/XXXX. I had been a customer of BofA since XX/XX/XXXX, and they closed all of my accounts without an explanation. I had a balance of Preferred Rewards points worth {$1700.00} that I was not able to redeem. I would like my Preferred Rewards that I earned to be returned to me in the form of a cash payment. I would also like to be able to open a BofA checking account.
Product: Credit card or prepaid card

In  XXXX    XXXX  , I had a {$.00} credit on my Victoria Secret bill.   On  XXXX , I made a {$8.00} purchase, I therefore believed my balance to be {$8.00}.   On  XXXX , I paid {$8.00} because that was the balance on my account when I had called.   I did not remember that a {$.00} charge for Assure insurance was being billed to me on  XXXX . So when I paid my bill on  XXXX , I was {$.00} short.   The next bill arrived and I was charged a {$8.00} late fee for failing to pay {$.00}.   I called to complain that I was not late with payment because payment was not due until  XXXX . I did make a payment before the due date.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
Product: Credit reporting or other personal consumer reports

While attending XXXXXXXX XXXX on a Pell Grant the school was shut down due to lack of accreditation. All loans and grants were forgiven.
Product: Debt collection

This company was extremely rude during my communications with them. I'm sure they will say their notes don't reflect this as this is what I was told while attempting to pay this debt and getting the run around while trying to do so. I do not ever have to deal with this type of company as I pay my debts on time. This one, in particular, slipped through the cracks during a divorce if memory serves me and being treated the way this company treated me is uncalled for and extremely unprofessional.
Product: Checking or savings account

On or Before XX/XX/2019 Discover Bank wrote me a letter telling me someone, open up more than ( 4 ) accounts in my name : XXXX XXXX XXXX and the Discover Bank, had investigated, and still investigating this case of Fraudulent and this is my ( 2 ) Identity Theft And it took me ( 10 ) yrs for my first Identity Theft case with someone @ XXXX @ North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw a closed charged off account on my report that i don't recall borrowing from the creditor. {$1400.00} is the balance i saw on the account.
Product: Credit reporting or other personal consumer reports

Dear I.C Systems, you are in violation of the FCRA, And the FDCPA. You are to cease all reporting of inaccurate/invalidated accounts immediately.
Product: Checking or savings account

I created an accelerated savings account with Citi Bank, the account was originally going to be funded by another account I had with XXXX XXXX XXXX, I made two transfers, one for XXXX and another for XXXX XXXX thought this was fraudulent activity and reversed the transfers, they said I could only transfer the money to by every day checking account with XXXX XXXX so I transferred all of it to XXXX XXXX and closed the account with XXXX XXXX XXXX. Then I moved the funds from XXXX XXXX to Citi. This morning XXXX  I tried accessing my citi account and could not. Then when I contacted them they said they could not help me or give me any information about my account there, that I would receive a letter in the mail. They are holding about XXXX of my money and not giving me access to it. This is extremely frustrating as this is all of my savings
Product: Debt collection

Pursuant to the XXXX Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under XXXX law. 
If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXXXXXX XXXXXXXX Attorney XXXX XXXX and the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the exact same installment account twice. 

XXXX XXXX XXXX XXXX Charge-off {$7300.00} This account is being reported twice it has caused me and my family irrecoverable harm,