23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We filed a complaint with Citibank Mastercard on XX/XX/2020 regarding a trip that was cancelled due to covid-19. We never received service. We sought remedy through the cc because were unable to reach the booking company, XXXX, by ANY method, to get a refund for {$1200.00} charged to our account on XX/XX/2020. Citi started a chargeback but the chargeback was reversed when the merchant/Cancelon said we never contacted them. Citi has given many excuses for not getting our money but none of them are valid. 

Through many back and forths with Citi bank we continued to make our complaint however they have never refunded our money. 
DISPUTE : XXXX
Product: Credit reporting or other personal consumer reports

I have two accounts that has been affecting my credit for almost 6 years and I called the company to get that dispute and remove because its a affecting my credit report I tried multiple times to call them and get this problem solved but they deny any any information they say they do not have any account with my information, but it keeps showing on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC Report, PA license to Equifax. I have fraudulent information reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I am disputing the reappearance of the following item on my XXXX  and, Equifax credit report : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Acct # XXXX ], which was removed on [ XXXX XXXX XXXX ]. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) in the following ways : Section 611 ( a ) ( 1 ) ( A ) requires a timely investigation of disputes ; Section 611 ( a ) ( 1 ) ( B ) mandates the removal of inaccurate or unverifiable information ; Section 611 ( a ) ( 5 ) ( B ) requires notification within five business days for reinsertion. The item has reappeared without proper validation or notification. I request its immediate deletion, and I am seeking assistance from the CFPB to resolve this matter.
Product: Mortgage

To whom it may concern, My name is XXXX XXXX XXXX And my Husband name is XXXX XXXX Loan No. XXXX Address : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Our complaint is against the mortgage company XXXX, XXXX On XX/XX/2022 We have sent an insurance payment check for the amount of {$17000.00} To the loss draft department attached with the settlement letter. 
They should endorse the named check an returned to us. We had tried to get in contact with the processor or supervisor to help us with this matter. We'll appreciate your help. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We continue getting calls from a XXXX # varies from day to day but its the same company National Credit Adjusters. # XXXX ; XXXX, the last phone call was from # XXXX. 
This morning they called 4 times iin a row. At XXXX, I answer, there is no response but I stated in the phone to remove our number from the call list. I hung up, the company called back 3 times ( XX/XX/2017 ) at XXXX. I answered and asked to be removed from their call list, the Rep stated they dont have a call list he was looking for a XXXX Again, I requested as I did the previous call ( XXXX ) that our number be removed from the call list, he repeated he was looking for someone, I told him I didnt know them and he continued to question me. This is ridiculous. Someone calling my home, harassing us. My elderly mother resides with us and she has XXXX. Every time the phone rings its bothersome to her.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX  Account was opened fraudulently creditor agreed to close and remove account from all three credit bureaus. I spoke to a representative ant XXXX XXXX XXXX and she informed me that they sent update to all three bureaus to remove the fraudulent account.
Product: Debt collection

Today I was contacted by a company called XXXX XXXX XXXX and they told me they were calling over an " upcoming litigation '' being filed against me for an alleged unpaid discover credit card balance from decades ago ( they either said XXXX or XXXX. At that time I would have had my maiden name and that is not what they addressed me as ) for the amount of {$2300.00}. I don't recall ever having a discover credit card and I called Discover customer support and verified that to be true. This company has all of my personal information, including my social security number. The whole experience is rattling and I hope they can be caught and stopped.
Product: Debt collection

File bankruptcy several years ago and the bankruptcy has been discharged. The debt collectors are still mailing me letters stating that I owe {$75000.00}. 
An automatic stay specifically states that a creditor can not contact me to collect a debt after i filed bankruptcy. Continuing to try to collect after a bankruptcy has been discharged is illegal. And id like to start a lawsuit. I'm so tired of receiving yearly random treats from Real Time Resolutions, Dept XXXX, XXXX XXXX XXXX, XXXX PA XXXX. 
RTR File Number XXXX XXXX Other address listed : XXXX XXXX XXXX XXXX TX XXXX website XXXX
Product: Checking or savings account

about XX/XX/2020 I received 2 separate debit cards in separate envelopes that I had NOT applied for from the Chase Bank. Two days later received two separate letters from the Chase bank with copies of cancelled checks, stateing that they were not opening an account for me -- -an account I HAD NOT APPLIED FOR! ( We have NO accounts with Chase Bank and there is no Chase Bank anywhere near us! ) Not knowing if these letters were from a bogus place, I contacted our local bank and they put me in touch with XXXX XXXX. I found that someone had stolen my idenity and had set up at least 2 accounts with Chase Bank and tried to set up more. With XXXX XXXX  help, I contacted Chase Bank on XX/XX/2020 and talked with their Fraud department and gave them all the information they requested. They assured me they would follow up and handle it so that my good credit would not be damaged. I followed the directions of XXXX XXXX  and filed a report with the local Sheriffs dept., contacted all the agencies they recommended and thought it was corrected at the Chase Bank. Since then I have received statements from Chase, first detailing I have a Minus balance ( on two different accounts ) but now I am receiving statements from Chase and the minus balance has changed to a POSITIVE BALANCE and they are demanding payment. So once again I called the Fraud dept. of Chase Bank onXX/XX/2020 and talked with a rep. She went through the computor and SAID SHE FOUND NO RECORD OF ANY REPORT BEING FILED IN XXXX OF FRAUDLENT ACTIVITY! I was on the phone in XXXX for almost an hour with the Chase representative but no record was found anywhere. So once again I talked with my contact at XXXX XXXX and I again had to file with the fraud dept at Chase Bank. I have spent hours dealing with this and can not understand how something so simple as a report given to a person with a computor is not logged properly. I was on hold to talk to the Chase bank on XX/XX/2020 for 1 hour and 45 minutes and another hour getting this straightened out!
Product: Vehicle loan or lease

I had my vehicle repossessed by credit acceptance auto Loan and they have the vehicle in their possession and are still hitting my credit by saying I'm not making payments
Product: Credit reporting or other personal consumer reports

XXXX bank XXXX, XXXX XXXX, XXXX XXXX Bank has continued to report negatively on my credit report. I don't have any of these accounts, they were included in a Bankruptcy. I have been deputing this account for the past three years or more.
Product: Credit reporting or other personal consumer reports

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/2023 Todays date - Friday, XX/XX/XXXX, XXXX No response. Please remove from XXXX, TransUnion, and XXXX. The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it. This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt.
Product: Debt collection

I have attempted to dispute this collection on all three credit reports but it was only taken off my XXXX  report.
Product: Debt collection

Got a call from XXXX someone named XXXX at XXXX XXXX and XXXX then threatened I owed some debt and I would be served paper work at my work between XXXX on XXXX
Product: Checking or savings account

Bank of America allowed a fraudulent company to open an account with fake credentials. An employee was either in on it or incredibly negligent. The police office said the credentials were clearly fake. This account was used with a fraudulent website. I was trying to purchase construction equipment from a dealer. Bank of America employee told me that the account was a fellow Bank of America customer and that I could deposit money with a deposit at counter and save the fees. Unfortunately, after I did that they informed me the money could not be stopped and the payment could not be canceled when it was determined to be a fake company. A local police department with none of the resources that Bank of America has immediately determined what was going on. The amount was then allowed to be slowly sent to XXXX using XXXX. Bank of America has no interest in fixing this because they profit from it. When I tried to connect with Bank of America they slow play everything. They have a fake CEO email address circulating on blogs that get forwarded to zoomers who then just give you the run around. They provide the platform and the means for criminal cartels to steal the money in California, and then send it to XXXX, and claim to have no liability in facilitating that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing this complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account identified as # XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information contained in consumer files. Despite providing clear evidence of inaccuracies in my payment history, TransUnion has failed to fulfill this legal obligation. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : Under the Truth in Lending Act, creditors are required to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. The failure to ensure accurate reporting violates this protection and continues to damage my ability to access credit fairly. 
Evidence of Error : TransUnion Account Number : XXXX High Balance : {$420.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Last Payment : XX/XX/XXXX Credit Limit : {$3500.00} Two-Year Payment History : 30-day late payment noted in XX/XX/XXXX. 
Impact : The discrepancies in late payment reporting across the credit bureaus have directly harmed my creditworthiness and financial reputation. The inconsistent reporting of 30-day late payments violates my federally protected consumer rights. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation from TransUnion confirming the correction. 
Failure to resolve this issue promptly will result in further escalation, including legal action and filing additional complaints with relevant regulatory agencies. 
I trust that the CFPB will assist in ensuring compliance with federal laws and protecting my consumer rights. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

regions mortgage took over my loan from another company, when it came time for my insurance renewal they stated that they could not get a hold of my insurance company and added their own insurance at the cost of {$45000.00} when the previous company had insurance premium of {$1000.00} so more than 4500 % increase, i called and asked why the premium was so high on XXXX, after over an hour on the phone they stated that the previous insurance had a policy were it covered the repair cost of the home based on current value of the home, up to XXXX dollar, the current value is {$240000.00}, regions bank decided to make their own policy for a full XXXX XXXX dollars ( ignoring the value of the home ) just to attempt to defraud me and charge an insane 4500 % increase in insurance premium which is a clear attempt at fraud. 
after discussing the matter with their representitive on the phone and discussing the clear difference between " we cover the value of the house up to XXXX XXXX '' and charging a XXXX XXXX policy ( when the house value is clearly under $ XXXX ) the representive pretended to not hear me on the phone and hang up. 
I will be sending them my own new insurance policy, got multiple quotes and all are under {$2000.00} a year from large companies including XXXX  and XXXX, further showing that the amount they are charging is a scam,
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party. I have attached documents for your review. The credit reporting agencies are reporting INACCURATE/ INCOMPLETE accounts on my consumer report. As a consumer I have a right to XXXX percent accuracy on my consumer report. Please review the documents and update the information. Thank you.
Product: Credit card

I applied for a Discover it XXXX card from Discover. Here is my application number XXXX. I was denied due to my previous account that taken care of and due to my credit. 

It is from my understanding I gave you an application which you are going to turn into a receivable and sell on the secondary market and make all of your money. Even though in page 62 of Risk Factors on your PROSPECTUS DATED XX/XX/XXXX   you specifically state, and I quote We do not currently intend to apply for listing of the notes on any securities exchange or to include the notes in any automated quotation system. 

Another thing that I found on page 98 of your prospectus as it states XXXX scores are based on independent, third-party information, the accuracy of which we can not verify. 
I am also being denied cause of my credit that you can not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experience with Prestige has been terrible even though my car loan was current for the last 60 months of my car loan. I experienced late payments with Prestige as early as XX/XX/XXXX due to being unemployed. I was able to get back on track and kept the payments current until it was paid off in XX/XX/XXXX. I paid all of the high interest and even at the end of my loan in XX/XX/XXXX I still owed {$5600.00} which I provided them with a check and paid the car off. Prestige had not reported a late payment any late payments since XX/XX/XXXX. Well that all changed when I paid off my car loan. Here are the chain of events. 

*Account opened XX/XX/XXXX XXXX date of delinquency reported by Prestige Financial Services XX/XX/XXXX *Account brought current XX/XX/XXXX and never reported late again by Prestige Financial Services to any credit bureau *Loan paid in full at the end of loan XX/XX/XXXX total paid {$5600.00} XXXX XXXX Prestige Financial Services update my credit reports with updated information regarding my account status. Status updated by Prestige DEROGATORY PAID WAS 90 DAYS PAST DUE *Credit Bureaus have since updated my account as Negative with a late payment made in XX/XX/XXXX with an anticipated removal date of XX/XX/XXXX Why is Prestige Financial Services allowed to report negative information in my credit file once I pay my loan off in good faith? Why is this company allowed to report negative information from XX/XX/XXXX until XX/XX/XXXX? How is derogatory information being reported for longer than 7 years? 

I have contacted Prestige and have encountered unhelpful employees and it turned out to be a horrible experience. As a consumer who has paid their loan off in good faith, why am I having to deal with this? Why hasn't Prestige removed the information from my credit file all together when the loan was paid off in XX/XX/XXXX? I have been disputing this information for a year with countless of letters to the credit bureaus and emails to Prestige with no resolution. It will be 7 years in XX/XX/XXXX in which this company would have been reporting derogatory information on my credit report regarding this loan. There is no reason for a company to add negative information to someone's credit file after the loan is paid in full. This is unfair practices and my last final recourse will be a civil suit if we can not come to a resolution and have the account removed all together. 

How is this action by Prestige legal or even moral for that matter?
Product: Credit reporting

I have disputed this item with Experian and they have refused to investigate this information as XXXX did and removed this information from their reports previously. This information is damaging in that it is incorrect and I have proof and have provided proof to Experian that this reporting is in violations of FDRA. Yet Experian refuses to conduct a fair and through investigation. 

For your review, I have provided a screen print copy of this particular Student Loan XXXX XXXX XXXX Database for Students. In that it shows that XXXX XXXX Reported to The XXXX Financial Student Aid that this loan was in DEFERMENT as of XXXX XXXX, XXXX through XXXX XXXX, XXXX and therefore Experian is UNFAIRLY and FALSELY reporting that I have disputed more than once with them. I am being reported as past due for the following months of XXXX XXXX, XXXX XXXX & 90 days past due XXXX XXXX when my loan was not in repayment status for that time. 

Additionally, Experian has no history of reporting for 30 days past due, 60 days past due BUT just XXXX reporting of 90 days past due in XXXX XXXX. Additionally, provided for your review is a single page printout of all XXXX XXXX as of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This report shows that XXXX has no negative reporting of XXXX past due- Only Experian was reporting this negative information on the same account. However, in XXXX XXXX Experian updated both XXXX with this damaging and falsely reported information. 

Experian, with negligence, has violated the FCRA as well as other Federal, State and Local consumer protections laws in this matter.
Product: Debt collection

PRA has contacted me about a debt under my name of {$360.00}. The originator of this debt was sourced from XXXX XXXX XXXX  XXXX. In retrospect, I contacted XXXX XXXX XXXX  about fraudulent accounts on my credit report. XXXX  XXXX XXXX  XXXX confirmed these fraudulent accounts were listed under different names and different addresses. In XX/XX/2020, XXXX XXXX XXXX  XXXX confirmed this account of {$360.00} was fraudulent and removed it from my account with assistance from XXXX. You may contact them to confirm such.
Product: Student loan

This is my second complaint I am filing about Nelnet, my student loan servicer, which has still not approved my SAVE application. 
-Applied for save application on XX/XX/XXXX. 
Received no information about the status of my application for over a month. 
-Reached out to the company via email on XX/XX/XXXX. 
No response. 
- saw on XXXX in late XXXX that some people in a similar predicament had uploaded their tax return info which moved their application process along, so I did the same. 
-Sat on the phone for XXXX hours waiting to speak to someone on XX/XX/XXXX. I was told I needed to make a one time payment in order for my application to go through. I had already made a {$100.00} payment on XX/XX/XXXX so I was told by the agent on the phone that I was all set and had done everything necessary and I just need to wait. 
-On XX/XX/XXXX I received an email that my application was received. 
-On XX/XX/XXXX I received an email that my application was in processing queue. 
My application remained in the queue to be processed throughout XXXX. I called Nelnet ( waiting hours to speak to someone ) and asked for an update and was told I need to wait to get an email or letter telling me to make a one time payment to exit my IBR plan. So what the previous agent had told me was incorrect. 
-I finally got a message that I needed to make my one time payment and I sent my payment in on XX/XX/XXXX. 
-Application status changed to In Process on XX/XX/XXXX. 
- Account placed in administrative forbearance on XX/XX/XXXX. 

All the while I am accruing interest for 4+ months. I am now on the phone yet again waiting to speak to someone. The people I speak to on the phone do not all give out the same info. And they often have no real answers except to just wait it out.
Product: Debt collection

XXXX continues to say I owe a paid debt. I have a letter from them saying paid in full and XXXX will not remove either despite complaints and copy of paid in full letter