23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Best Buy / CitiBank Credit Card closed my account without prior notification. Best Buy says that they sent me an email. I did not get said email. I would think that even if I am enrolled in paperless billing that " Closing of an Account '' Documents should override the paperless billing and they should have to be mailed out. The lady I spoke to on the phone today said that it is illegal to hard copy mail something out if you are enrolled in paperless billing. I told her it should be illegal to close someone 's account without prior notification and as a consumer there should be protection against that. They should have to mail me something instead of just email. I do n't want my Credit Report to be negatively impacted by them closing my account and also me having to open up another Best Buy account. I feel that they should re-open my account because they did not notify me prior to closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also Transunion is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Transunion- XXXXXXXX XXXX XXXX  IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX not only is my father named XXXX XXXX I also have 2 uncles and a cousin named XXXX XXXX It appears the bureaus have merged my information with someone else because I have incurred debt that I know nothing about. I have sent them copied of my DL social security card- but the debts and unknown accounts still remain
Product: Credit card

Current annual APR % on the care credit account is already at 29.99 %. They are going to raise this to a ridiculous APR of 32.99 %. They claim on the last statement of XX/XX/XXXX, that I have the right to reject the changes. However, if I do reject the changes that I am allowed to reject, I will not be able to use the account for new transactions. Changes will take effect on the day after XX/XX/XXXX. They claim to be raising the rates due to market conditions. Yes I was notified, great, is this legal? Isn't this too high??? Who is watching over these companies? Stop screwing the middle class!
Product: Money transfer, virtual currency, or money service

Unauthorized transactions to unknown person XXXX $ was sent to a random person on my chime card I never had no problem with chime until today there system is bad somehow some I work with scammed me out XXXX they sent the money to themselves after they found my lost phone
Product: Credit card

My very first statement for the XXXX XXXX XXXX credit card was for {$7300.00} due XXXX. Payments and credits made amounted to {$1400.00}. I was charged interest of {$140.00} which I understand. 

The next payment due date was on XX/XX/XXXX. I was charged my previous balance of {$7300.00} - {$1400.00} + interest of {$140.00} + new purchases of {$3700.00} for a TOTAL of {$9800.00}. 

I paid off the ENTIRE balance or {$9800.00} on XX/XX/XXXX because I dont want any more interest charges showing up. 

To my surprise, I received my next statement due on XX/XX/XXXX and on there shows yet another interest charge of {$120.00}. 

I called 3 times and all their customer service representatives said it was for interest for that billing cycle of XX/XX/XXXX - XX/XX/XXXX. I told them that theres supposed to be a grace period between my closing statement date and my due date. This is also on the section on my statement which was about avoiding paying interests on purchases : How To Avoid Paying Interest On Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account ( or Interest Saving Balance ) in full each billing period by the date and time due, no interest is charged on new purchases month to month.
Product: Credit reporting or other personal consumer reports

XXXX has cancelled my auto policy, so I am shopping for new insurance. My broker went to get a quote and was surprised at the pricing. He pulled the LexisNexus report being used to rate my risk, and an accident from XXXX is showing as at-fault. 

I called XXXX to find out why they submitted an at fault, and they show that they did NOT. I have that in writing from them. The car was parked and vacant ; someone else backed into it, and XXXX is being reimbursed by that person 's carrier.

I have previously seen other people 's info on my Lexis and tried to have it corrected, and they make it impossible to do anything. If they are going to be used as a credit agency, there should be an easy, accessible way for owners to file for corrections. This is the second time incorrect info from Lexis has impacted me ; it was never resolved the first time. 

Thank you, XXXX XXXX
Product: Mortgage

I reside in Florida. In XX/XX/XXXX my homeowners insurance was canceled. I contracted insurance through XXXX as it was during hurricane season and difficult to find affordable premiums. The information was provided to my mortgage company Chase Mortgage to arrange escrow payments. I was later informed months later that I was still not insured. I contacted both XXXX and Chase to identify and resolve the issue. There were issues of missing documentation and payment. Both parties stated they completed their steps. After Chase contacted XXXXXXXX XXXX, I confirmed with XXXXXXXX XXXX that my policy was reinstated. They confirmed correspondence with Chase and that my policy would be reinstated. I heard nothing more and my mortgage payments remained the same. No reason to think differently. I received a letter from Chase dated XX/XX/XXXX stating that I have been uninsured since XX/XX/XXXX and they are going to purchase insurance on my behalf. I now need to find affordable insurance again during peak hurricane season. Im not sure if one or both companies are at fault, but I am severely stressed knowing I am uninsured and need help getting this resolved. XXXXXXXX XXXX confirmed Chase contacted them directly in XXXX to resolve it, but payment still has not been made. I have asked for copies of their correspondence but the rep needs approval to share.
Product: Debt collection

I was reviewing my credit report and noticed that I had collections and inquires that were not mine
Product: Bank account or service

At closing it was agreed ( in writing ) I would promptly receive refund check. Weeks have passed. I have written three times to title company. No check. The company is : American Title Corp XXXX. 
XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is showing up twice on my Equifax Credit Report. I have tried submitting several disputes and they just return a decision stating that it is correct. The mortgage loan is clearly duplicating with the same loan number, same balance and same monthly mortgage payment twice. I clearly do not have two mortgages with the exact same information. This has greatly hindered my credit score and my ability to obtain financing as my XXXX is calculating significantly higher due to such a large loan being duplicated.
Product: Mortgage

BBVA Compass bank purposely places online deposit limits onto your account so that you can not put enough money into your account to pay your mortgage. Also, mishandles funds which result in overdraft fees. Mishandles checks and says they do not process because of lack of funds, which is not true, requests another check, then cashes both, which results in overdraft fees. Online banking updates are misleading, they update the mortgage payments online but while delaying updates to checking accounts which is also misleading and leads to more overdraft fees. Incompetence at all levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this complaint with the CFPB due to TransUnion NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/XXXX I sent a dispute letter to Transunion on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to TransUnion that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with TranUnion doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 or other personal consumer reports

Capital one is reporting a balance on a charged off account they have sold to a collection agency. Who is also trying to get a balance. I have asked for validation of the debt which I have not received. This is a violation of my rights.
Product: Debt collection

XXXX XXXX, claiming to be based out of Missouri, had been withdrawing many from my bank account without ever sending the product. I attempted to call them multiple times, but they did not return my call nor send the product. I also tried communication with them via email. I had to block them from withdrawing funds from my bank account -- never once did I receive the actual product of the promised magazines that were supposed to come monthly. XXXX I received notice from a debt collection agency that I owed XXXX cents. I called the Interstate Recovery Service that evening and informed them that I never received the product so did not see that I owed anything on a product that was never received, informing them that I even turned the company into the Federal Government. The agent on the phone became demanding, belligerent, rude, making a statement " You better pay now or I am going refer to the refusal department who will take you to court! '' The guy kept demanding paying information of my debit card number or current banking info. Not being able to reason, and his belligerence rising with forcefully bully tone and manner, I hung the phone up. He immediately called back, my wife answered, and he rudely said " I WANT THAT GUY BACK! HE HUNG UP ON A DEBT COLLECTOR! IS HE HIDING BEHIND YOU OR DID HE USE YOUR PHONE?! '' My wife calmly, and kindly asked : " Can I help you? '' He persisted " I WANT TO TALK TO THAT GUY! '' Unable to name whom he was calling for or what he needed, my wife hang up on him and blocked his number reporting he was belligerent and did not seem sane. Today, XXXX I received a letter in the mail again from the Interstate Recovery Service, a little kinder tone, reporting if the debt was paid now it could be reduced to XXXX. Again, since the product, that was supposed to be mailed monthly, was never received, and they already took monthly payments from XXXX to XXXX from my account without ever receiving the product, I do not feel there is a debt owed. The Interstate Recovery Service is rudely demanding I pay a debt that I the company failed to deliver the product on while they already collected 4 months of payment on it.
Product: Credit card

Hello, On XX/XX/XXXX I received a call at XXXX from Comenity Capital requesting a payment on an account that was transferred from Dell. I explicitly said I do not consent to further calls, I have XXXX and often times they call in the morning waking me up. I am extremely fatigued and need rest. 

I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Comenity has continued to call over and over again. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation.

The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that FACTOR TRUST is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years.

! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After months of continued phone calls regarding a debt that my mother is adamant she does not owe, I sent a cease and desist letter to Portfolio Recovery Associates via certified mail, return receipt requested on XXXX/XXXX/XXXX. It was delivered and signed for on XXXX/XXXX/XXXX. The letter states that she disputes the original debt which was sold to them in XXXX from XXXX XXXX and was a debt from XXXX. So, regardless, the statute of limitations has been reached and unless they plan to take further action through the courts, they are to stop calling our home or sending collection letters. 

I have explained to them many times that she now lives with and is dependent on me after going through XXXX this year alone and XXXX. Today is XXXX/XXXX/XXXX and we just received a call from them and of course the person on the phone acts like they have no information at all about the certified letter or my mother 's health and communication issues. I have POA, but do not have time or patience to deal with the daily phone calls or to communicate with these people. It is upsetting to my mother every time she realizes who is calling and just trying to keep the fact from her that they are harassing us is a job in itself. I no longer try to get details from her, but I do understand when she is saying NO, NO, NO! By now, this company should have all of this information on file and leave her/us alone.
Product: Mortgage

I have been trying since XX/XX/2023 to apply for a loan modification with my loan servicing company ( Mr. Cooper ) and they keep asking me for documentation. I upload the documents requested and then the company rejects the document ( s ) saying they have a question about the document I uploaded. I call the company and ask the Loss Mitigation representative why the document was rejected and receive a different explanation from the different representatives every time I call. I have emailed them letters of explanations to explain the documents as they suggest and they are still rejected. The other issue I am having is that in the past I have completed and uploaded a Loan Modification Application they send to me. Now all of sudden they are asking me to complete a different Loan Modification Application and when I asked why it's a different document they can't explain why. The application they want me to complete and upload is for a government loan ( my note is being held by a private investor ). One representative told me it was the wrong form and that they would send me the correct form and when I receive the form it's the application is for a government loan. In the latest correspondence from the company, the letter stated that as of XX/XX/2023 foreclosure proceedings had not started. On XX/XX/2023 I received a phone call from a complete stranger telling me my property was scheduled for foreclosure on XX/XX/2023. I was shocked. I immediately called the Mr. Cooper and they told me to upload my documents. Again the load modification application is for a government loan. I am extremely both mentally and physically stressed from what I am going through with Mr. Cooper.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I received a letter from my current mortgage company about the transfer of my loan to loancare with the new account number and the effective date of XX/XX/XXXX. I have n't heard or received a letter from the new mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a water filtration system installed in my home in XXXX. The company financed it through XXXX XXXX, XXXX. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXX XXXX, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of XXXX XXXX and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and also have enclosed copies of the XXXX XXXX XXXX affidavit please deleted the items as soon as posible
Product: Vehicle loan or lease

I received an 'end of lease ' termination bill, as our lease had gone the full 36 months. I paid a payment towards the {$530.00} which I mailed back to GM financial in the paper statement that i received in XX/XX/2020. 
I never received any other bill or updated information regarding this bill ( no statement, call, email, text, etc ), regarding the balance. Unfortunately I was never informed ( per statement : or email, etc ), that this was all due at 1 time.

GM financial insists that they dont do that as it is a final bill, and " oh well, '' from there CSR I spoke to today.

Credit now shows delinquent and has hurt my credit immensely. I paid the balance off immediately once I saw my credit score drop @ XXXX points. 
I am asking for a reverse in this delinquency?