23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LJ Ross a collection agency has repeatedly reported false information to all three credit bureaus, specifically " re-aging '' my account, in violation of the FCRA. They reported that I opened an account in XX/XX/2018, that is absolutely false. I never opened an account with LJ Ross in 2018, and I opened no accounts in all of 2018. Most recently they placed a derogatory remark on my account which dropped my score 70 points, and will stay on my report for 7 - 10 years. This is beyond abusive and predatory tactics. 

Below is copied from my report : Opened XX/XX/2018  ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name
Product: Credit card or prepaid card

My Synchrony Bank XXXX XXXX Credit Card issues monthly reward checks based on purchases that month. The past XXXX hard copy credit card statements were not mailed to me along with my reward checks. I lodged a complaint for the first instance in XXXX for the bill cycle end date of XXXX XXXX, XXXX with due date of XXXX XXXX, XXXX. Many emails back and forth and I was told I would be receiving a new hard copy with check. The hard copy and check both were stamped " duplicate '' and the reward check could not be used. This month bill cycle end date of XXXX, XXXX, XXXX was also never received. So, they not only did not send my XXXX reward, they now owe me a XXXX reward. Obviously no one is trying to figure out who is screwing up over there but that is not my problem. I will no longer use the card unless and until they submit to me the earned rewards for XXXX and XXXX and all future earned rewards as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My Trans union credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.
Product: Mortgage

Hi, I want to complain about the Newrez LLC mortgage company. I have called them to try to fix the issue on my account since XX/XX/XXXX. The mortgage company charged an insurance amount of {$420.00} to my monthly mortgage while I provided the insurance policy from XXXX to their insurance department ( see attached ). On XX/XX/XXXX, their insurance dept emailed to confirm that they received the policy and will adjust my account within 2-3 business days. On XX/XX/XXXX, the amount was still on my account, so I called the customer service rep ; the person said it was under escrow analysis and would take 7 business days. On XX/XX/XXXX, I called again to see the status of my account. They said it would be corrected on XX/XX/XXXX. By XX/XX/XXXX, my account remains unchanged. I called the reps, and they said it is still pending. I asked for a supervisor of the department. The supervisor said it could take a month. At this point, I am so upset. I asked why and how I could process the payment for XXXX without a late fee. He didn't help. He said to call back in XXXX to see if the account was corrected. Today, XX/XX/XXXX, I want to make my monthly payment without the {$420.00} insurance, and I am trying to process it online. They do not allow me to adjust the amount to my monthly mortgage without the {$420.00}. I called the customer service rep again, and he said that the account is still pending for XXXX analysis and will take 7 business days. It is so stressful, and it is affecting my health since I can't sleep. I don't want to end up paying late payments, and I don't want to pay {$420.00} when I don't owe them. It is a lot of money, and I am unemployed now. It is not fair, and there is nothing I can do. Either I pay them the full amount of {$420.00} in XXXX or wait until it is fixed. How long, no one knows since every time I called. It said 7 business days or 1 month ... why? 
Please help. I feel this mortgage company is not doing its job, and I asked for the complaint department, but they refused to give it to me. I am sure there are customers out there like me ; I want to speak out to the public and hopefully CFPB can help us.
Product: Checking or savings account

I deposited a check from my uncle into my business account for {$40000.00} Citibank took the check and processed it. 3 days later all my accounts were frozen personal and business, I called the bank, and they claimed the check was fraudulent and a stop payment was put on the check. I went to the branch to speak with the manager, he informed me Citibank had not received any of the funds, after speaking with my uncle 's bank XXXX XXXX XXXX  ) they advised the funds were withdrawn from his account. Citibank said they were closing all of my accounts and withholding all of my funds for XXXX days. The following day I contacted the fraud department at Citibank, and they informed me they verified the account was legitimate and I can go to the branch to collect a check for my {$40000.00}. I emailed the branch manager to be prepared that I was coming to collect the check, he informed me that they would not be providing me with a check, and I need to call the fraud department again. Once again, I called the fraud department and they informed that they could not verify the issuer of the check even though I had the issuing bank and the writer of the check on the phone. They refuse to release the money or return it to the issuer. my problem is if they could not verify where the money was coming from and if it was a stop payment as they claimed, how can they withdraw {$40000.00} from my uncles account and hold it against us for XXXX days? that seems illegal unethical and deplorable. The banker laughed at me in my face and said good luck. No one will explain how they can take {$40000.00} from an account they can not verify and hold it against us or refuse to send it back to the issuer or myself. The fraud department is treating my uncle and I like criminals and I've lost out on a {$100000.00} sale for my business and all my personal bills were late I have no money or food because they closed my personal account for this.
Product: Credit card

My card was stolen and used to make a charge. When I noticed it was stolen I called Truist and let them know. The day after, a charge appeared on my card ( it happened over the weekend, charge appeared Monday ). 

I called them and started the dispute practice. They said it would be resolved before the first billing cycle and that wouldnt need to worry about the payment. 

As the deadline approached I called again to check the status. This time they said it would be taken off between the first and second billing cycle. No one told me I needed to pay. 

After the due date, the charge was still there and there was a late fee + interest. 

I called them and the fraud rep said the dispute was still pending but a Credit Card Services Representative would be able to credit the late fee and interest. She transferred me. 

He told me that he couldnt do anything, and that I needed to pay the bill. And only after payment, Id have to call again to discuss the late fee and interest. He was rude, I asked for a supervisor and he said there wasnt any. I told him I wanted to make a formal complaint and he said hed leave notes on my account and then that was the end of the call. 

I do not believe he actually made the complaint which breaks banking law.
Product: Debt collection

There wasn't an exact fitting reason in the options, but here 's the details.

Commonwealth keeps resubmitting this XXXX debt, showing the same creditor & the same amount of {$860.00}, repeatedly as new. Every year for like the last 4 years they submit it then remove it, & add again a couple or few months later as new all over again. Before, about 2 years ago, XXXX  had it listed on the report that it's removal was set for removal in early XXXX. I changed my monitoring services early last year and lost access to all the previously pulled reports that showed how many times they've done this. I truly feel it's cruel of them to do this every year because with New accts hurting credit worse so this's hurt mine many times unfairly. Dropping my score between 70 & 100 points each time. I filed the info with  XXXX, even including the screenshots I DO still have showing it in XX/XX/XXXX and then removed last winter just to be filed again this XX/XX/XXXX as a newly opened account again. At least showing a little history of what this company has been doing. But XXXX completed the dispute by only fixing the date opened by one month. Not the 4+ years it's actually been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Debt collection

Blitt and Gaines, LLC of  XXXX  Illinois placed and illegal garnishment on my wages using false statements and document from th e Circuit Court of    XXXX   County, Illinois. They have included form that are not legal court documents. The amount is   XXXX   for a student loan that list   XXXX   XXXX   XXXX  ,   XXXX   XXXX   (   XXXX   ), and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   as collectors.Then garnishment start date was   XXXX    XXXX , 2015. I have the court document to support the illegal garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do n't know who  XXXX , or GreenLight Financial is, nor have I authorized, or signed ANY application for ANY credit inquiry for  XXXX , or Greenlight Financial on behalf of Nationstar Mortgage!!! I have been in receipt of credit inquiries for the dates of  X/X/2017   ,  X/XX/2017   , and  X/XX/2017    via credit alert coverage that I have through  XXXX / XXXX . I have had my identity compromised, and have filed a Identity Theft report  ( at tached ) with my local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Lexis Nexis via telephone to dispute the Bankruptcy listed on my consumer disclosure report. I was told that the Bankruptcy was verified through the courts On XX/XX/2021, I contacted Lexis Nexis at XXXX and spoke with XXXX I asked XXXX about the status of dispute concerning the Bankruptcy listed on my file. She said that Lexis Nexis contacted the Bankruptcy Court in XXXX and said that Bankruptcy Court verified it. I told her how could XXXX XXXX verify this public record when the policy from the Courts of the court not to report or provide information to credit bureaus or third party agencies like Lexis Nexis. 

When I confronted XXXX, she tried to change her story and say Lexis Nexis verified the Bankruptcy through other 3rd parties to which she did not name or could not name. 

It was very evident that there is a breakdown in the truth and the information is not truthful that is coming from Lexis Nexis.

But how if the courthouse does not communicate with any credit bureaus ( LexisNexus is governed and regulated by the FCRA )? I find this information false, misleading, and should be removed from my Lexis Nexis Consumer Disclosure File. Under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available * The Bankruptcy Case Number listed on my Lexis Nexis is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I saw my credit report and was disappointed because there were inaccurate accounts on it. Please check the documents I've sent regarding this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this or otherwise remove immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a bankruptcy filing from my credit report. I believe that this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA **Reason for Request : 1. **Inaccuracy of Information : ** According to Section 607 ( b ) of the FCRA , credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. If the bankruptcy listed on my report is inaccurate or not reflective of my current financial situation, it should be removed 2. **Time Limitations : ** The FCRA also stipulates that bankruptcies can only be reported for a maximum of 10 years from the date of filing ( Section 605 ( a ) ). If the bankruptcy in question has exceeded this time frame, it is unlawful for it to remain on my credit report 3. **Consumer Rights : ** Under Section 609 of the FCRA, I have the right to request that any information that is inaccurate or can not be verified be removed from my credit report. I am exercising this right, as I believe the bankruptcy does not accurately represent my creditworthiness **Supporting Documentation : I have enclosed copies of relevant documentation that support my request, including [ list any documents you are including, such as a copy of your credit report, a bankruptcy discharge notice, etc.

**Request for Action : I kindly request that you investigate this matter and remove the bankruptcy entry from my credit report. Please confirm in writing that you have received this request and inform me of the actions taken Thank you for your prompt attention to this matter. I look forward to your response Sincerely
Product: Prepaid card

I purchased XXXX branded, XXXX issued XXXX gift cards on XX/XX/XXXX, ( XXXX ) of which of {$500.00} each were locked after purchase. I called on XX/XX/XXXX to get replacements, and was told they were sent XXXX. I called again on XXXX, and was told to expect them within a week. I called again on XX/XX/XXXX, and was told new replacements were issued and sent via XXXX. I called again on XX/XX/XXXX, and was told I needed to do an address verification to receive the cards. I emailed the requested documents on the same day, including a picture of my driver 's license, a utility bill, and the serial numbers of the cards. I was asked for pictures of the gift cards instead on XX/XX/XXXX, which I provided that day. I did not hear back from them, so I followed up on XX/XX/XXXX and XX/XX/XXXX, and also have not heard back. My funds have been held XXXX for over XXXX months since these gift cards are unusable, and it seems like their customer support is either incompetent or lying to me, since I've been assured a replacement is en route multiple times and never received it.
Product: Credit card or prepaid card

I applied/opened account in XX/XX/2019 with American Express. I opened the account with the agreement that I spend {$2000.00} in the first three months of having the credit card, and I would receive XXXX XXXX points after meeting the {$2000.00} spending requirement. I met the spending criteria, and American Express is stating there is nothing on my account saying I get the promotion. I would have never applied for the card had the promotional offer not been offered. I feel a bait and switch was done, and I kept my end of the agreement, and American Express is conveniently not awarding agreed upon points.
Product: Credit reporting

Disputed some information, I received a letter from the creditor saying they did not have enough information to investigate ( should have been provided by Experian ). I re disputed and ask why they were not providing information to creditor. I received a letter from creditor that I had notified Experian of fraudulent activity ( I never did ) now my credit card is on hold till I prove to them who I am!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermost, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is marked as inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Thank you
Product: Credit reporting or other personal consumer reports

I tried several times to dispute numerous items that were reporting fraudulently on my credit report. I've disputed with all three credit bureaus, and they finally removed the items, after 2 years of attempts. 

However, in the time that each credit bureau was reporting this fraudulent information, I had to spend over {$5000.00} in fees associated with disputing, and this negative information had also caused me to receive denials from other lenders when I actually tried to apply for financing and new credit. 

Also my existing credit account limits were decreased because of the negative information reporting. 

Equifax, XXXX and XXXX have violated my rights as a consumer, under the Fair Credit Reporting Code, violation code ( 15 U.S.C. 1681
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD request for help and so far you have done absolutely NOTHING. In prior requests I told you Experian was showing my credit score XXXX points lower than other bureaus. They were showing charge-offs for three accounts resolved in bankruptcy and after doing that my score went up by only one point. This month my score has dropped again by XXXX points. I can not reach Experian. You can not penetrate their phone lines because you can not get a live person. I have called every number they have. Experian is hiding from consumers and not helping them.
Product: Debt collection

Last year at my work, I received a call that said I had a debt and action would be taken against me if I did not pay it. The person even said " well do n't you have a XXXX that you can borrow from to pay this '' They call me at work so I got really nervous and made some payment arrangements. Here recently money has been tight so I call Global Credit and collections to have the amount of the payment adjusted and I was told when I called that they no longer have an account for me in there offices, so I put a stop payment on the check because they said I had no account there. Then I recently received a call from XXXX XXXX saying she is with Global and she sees that I put a stop payment on the check so I explained that I had called and was told that I did not have an account with them at this point I asked them to provide me with the amount of the original debt and copies of every payment they have taken out of my account the woman replied " well that makes perfect sense and hung up on me. I feel like this company is a scam and I am not giving them another Penny of my money. I also found out that XXXX also wrote off my balance. I do not feel I should have to pay a balance that was written off.