23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

on XX/XX/XXXX I made two purchases : XXXX of {$45.00} and XXXX of {$81.00}. Knowing that XXXX always transfers my XXXX purchases back to my checking account ( XXXX XXXX XXXX XXXX  ), I paid at the same time {$45.00} to make my balance {$0.00}, maybe they won't transfer my XXXX purchases then. Before all of these transactions my balance was {$0.00}. Nevertheless, on Monday, XX/XX/XXXX I realized both (? ) of my transactions ( XXXX and XXXX  ) were trasfered to checking account, but my payment was received! Just ridiculous! What was the payment for, if they transfered both of transactions to my checking account, my balance was {$0.00} before that and they just stole my {$45.00}? I called XXXX XXXX, explained everything, they returned me those money next day. I contacted XXXX right after it, but their customer service was not as helpful as XXXX XXXX, they started to skip me on other people and phone numbers, I didn't have time for it, it was too long, but at least I fully explained the situation. Suddenly, on next Monday, XX/XX/XXXX, I saw on my XXXX account two incorrect fees, they charged me {$45.00} again ( you can see it backdated as " adjustment '' ) and {$17.00} for " returned payment fee ''. My calls to them were unsuccessful, their supervisor XXXX said that they won't return me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

XXXX times I submitted a dispute to a Collections on my XXXX account for CCS ( credit Collections System, XXXX XXXX ) for {$81.00}. I had battled XXXX over the cancellation of my policy back in XXXX. I had a fight with them to cancel my insurance for XX/XX/XXXX, But they didn't send me a cancelation notice until XXXX XXXX. They retroactively dated it back to XX/XX/XXXX in the email sent on XX/XX/XXXX. The email clearly states that I don't owe them anything. The AMOUNT DUE is {$0.00}. 
XXXX, XXXX, XXXX, XXXX XXXX assigned the account to XXXX XXXX for the amount of {$81.00} This only appears on my XXXX file. Not on XXXX or XXXX. I submitted disputes to both XXXX and Credit Collections on XX/XX/XXXX, XXXX, and again on XX/XX/XXXX. 
I submitted a copy of the XX/XX/XXXX Email from progressive each time. I believe that they are ignoring my dispute because it's only {$81.00}, so they think they can force me to pay it, but the email shows that I don't owe anything. I believe that XXXX has a duty under the FCRA to provide accurate information on my credit report. A collections account on my report hurts my ability to get credit and can hamper my ability to find jobs.
Product: Debt collection

I have contacted national credit systems on multiple occasions stating that the debt is not mines I have now filed a police report. this debt needs to be removed you guys also have invalid informations such as different balances and social security numbers and address. I WILL NOW BE REQUESTING LEGAL COUNSEL. Because you guys have failed to do a through verification validating the debt. You claimed you sent information I never got it. I was XXXX  at the time and I will provide documentation.
Product: Debt collection

XXXX XXXX XXXX refused to fix water damage from the above apartment. It was leaking into our bathroom and the maintenance refused to come back out to fix the issue and then hung up on me and my boyfriend. The property manger then called my phone and said that we either had to move out of the apartment or they would evict us. This all occurred during the very short period of time that we lived there which was from XX/XX/2018 until around XX/XX/XXXX or XXXX, 2018. They were slumlords and we basically complained too much. We have attempted to reach out to them to send us documentation of these charges for the debt which is inaccurate. They illegally put us out of the apartment knowing that I had to small children and just relocated from XXXX, XXXX to move to XXXX, XXXX where I have no family. XXXX XXXX is no longer owned by XXXX XXXX but whenever you call XXXX XXXX  leading office, you get the run around as far as who the new owner is. I have attempted to contact a lawyer but they stated they could not help me unless emery gardens takes us to court, which they never will because we would most likely win with all of the photos and videos of the property from day one. I never received documentation from XXXX XXXX regarding this debt. You can not put false charges on peoples credit report and get away with it because we were vulnerable at that time and I had to find another place for me and my children to live, otherwise, we wouldve been homeless.
Product: Credit card or prepaid card

I had made payment on cc like I always do all my bills at once which is the XXXX of the month n I post date the ones thats not due then the bill was due XXXX XXXX on the XXXX I got a email said my bill was due I paid the bill 1000 dollars the next month 500 dollars but they saying my bill was due even tho my account said I had paid it on the XXXX XXXX XXXX never missed a payment before I had two bank America credit card one I had never used n owed 6000 on the other paying over the amount that was due so I talk with at least six ppl that day trying to find out what was going on no one knew a week later I received a letter stating my cc that I never used was closed n the other card the available amount was lowed the percentage rate on the one I used was much lower than the one hadnt used the reason on the paper I received didnt make since I had money n the bank to cover my payment n the other cc I have had no balance n to just change it like that n having been a customer for 30 years I would like to know whats the problem
Product: Debt collection

On XX/XX/XXXX, American Express initiated contact with me. I received a gentlemen on the Credit Review team who proceeded to go over the status of my account. Within the parameters of the conversation, this individual was making veiled threats that seemed to point to negative credit reporting, the account being sent to an outside agency, and the likes thereof. Keep in mind, all of this even though I had made several apparent statements intending on paying the full minimum amount due by the week of XX/XX/XXXX. Relentlessly, that was not satisfactory to him ( or American Express ... I can not decide which ). This was followed by repeated unprofessional tones and outbursts by this individual who claims to maintain professionalism at all times. I do not and WILL NOT tolerate any behavior like this from anyone. As of the time of this writing, I am reviewing this incident with a lawyer who will direct me on what steps to take regarding this situation. Someone will be reaching out to American Express in the coming weeks to further establish the situation and I, the cardmember, demand a direct apology from this individual and American Express jointly. In the interim, American Express hardly maintains transparency between its employees and contractors. There are repeated discrepancies that continue to become a concern when trying to make attempts at making the account current. With regards to Payment Programs, many American Express handlers either do not know what exactly is required, or assume what is and isn't required in order to keep a Payment Program. In the aftermath of being removed from a Payment Program, at no time other than the date of this writing, did anyone mention that keeping Auto Pay on a monthly basis was required in order to keep the Payment Program. The individual whom I spoke with seemed to insist that instead of them acknowledging they made a mistake, that it all comes back to me taking ownership for the account. I will not take ownership of the account, until American Express starts maintaining consistency with respect to communication and fair use. I will not be held responsible for mistakes that American Express mistakes, and nor should I be made to feel that way. American Express is shamed in doing this and should admit their wrongdoing instead of attempting to turn everything back on me. If I, the cardmember, am not able to satisfy my debts, then that's on me. I'm still going to hold American Express solely responsible and liable for faults of their own regardless of the status of my account.
Product: Mortgage

Rushmore has conducted unlawful and unethical acts against my family and my property. I have tried to resolve the issues with them and I have even completed successful trial payment plans and payments but Rushmore has failed to be truthful or to honor their promises. They only want to foreclose despite the fact that this has been our family property for more than 30 years without a missed payment. Again, Rushmore has lied repeatedly and they refuse to treat us fairly or to comply with the law. Additionally, they have caused us not to be able to receive help through the mortgage relief program due to their inaccurate record keeping and they refuse to offer us the same options as all other homeowners through the provisions that Covid has extended via the government.
Product: Debt collection

I attended a college in XXXX from XXXX - XXXX. My federal loans were managed by XXXX XXXX XXXX I had several forebearances while living in XXXX XXXX ( XXXX ). I switched to an IDR plan after reading a XXXX article and watching some XXXX videos ( about the XXXX heir who became a government secretary education [ XXXX? ] ) in the period between XXXX. 

Before I switched to an income-driven repayment plan approximately {$20000.00} of interest was added to my principal loan balance. 

I want to have my loan amounts adjusted downward. As an XXXX my credit score is particularly precious. I have lived in XXXX since XXXX. 

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

N accordance with the fair credit reporting act XXXX account # XXXXXXXX has violated my rights 15 u.s.c 1681 section 602 A state. I have the right to privacy 15 u.s.c 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account with out my written instructions Bankruptcy
Product: Bank account or service

After the death of my mother, I was forced to stay with some friends of my mothers. They learned that I was going to come into some money after turning XXXX from the death of my father when I was XXXX. I was in the accident that killed him and received a XXXX XXXX XXXX from the crash. The people I was staying with talked me into receiving a lump sum payment from XXXX. The money was deposited into an account with Bank of America. XXXX man that I was staying with, went with me to the bank while receiving the card, and must have overseen me creating the pin. He then took the card from me and then kept it to himself. He was known to carry a weapon and I was intimidated into not saying anything. Over the next several months, he was withdrawing money from my account. I was finally able to get in touch with my sister that lived in NC after she had filed and missing persons report and had the police come out to look for me. After the police had questioned me, ( I was too scared to tell them I was unable to leave and needed help ) the people decided that I should just leave and go to my sisters ( I found out later that they had already withdrawn all of the funds from my account ). After arriving in NC, my sister helped to file a report with Bank of America and the police about what had happened. The police said they would look into it, which has n't resulted in anything yet. Bank of America refunded XXXX and said they were unable to do anything about the rest of the money. Around XXXX was removed fraudulently from the account in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/2014 Balance {$0.00}.
Product: Debt collection

I paid the debt on XX/XX/XXXX. In XXXX ( info below ). 

I received notice from a different debt collection agency that this debt was not paid. I called and sent information via email to the debt collection agency showing it was paid, and they still said it had not been paid. 

Note : I sent a receipt for payment that was sent to me via email. 

-This debt appeared on my XXXX credit report as unpaid debt. 

XXXX : Date Paid to 1st debt collection company, receipt sent via email on XX/XX/XXXX : Keystone Healthcare 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 -Date I disputed the 2nd company to contact me for the debt.

-Date they denied my dispute, despite my evidence of having paid the debt ( a receipt from the 1st company and my credit card statement with the amount paid ). 

XX/XX/XXXX Date I sent email with info above to the 2nd debt collector, Asset Care Sent to XXXX Account Number for Asset Care : XXXX Asset Care, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Date I recieved a letter from Asset Care saying the information I provided was not accepted.
Product: Credit card or prepaid card

I received an email alert saying I have a new document to read on my Victoria Secret credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras  panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and the operator said they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my XXXX XXXX  credit  card and my XXXX XXXX credit card. I need some advise on what to do. 

My credit score was quite good and I'd love to have kept it that way. Unfortunately thats not the case anymore
Product: Bank account or service

Bank of america falsely used their " right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my transunion credit report that I didnt authorize and they need to be deleted immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove these inquiries. I understand that under 15 U.S.C. Sec. 1681i ( a ) I will attach my FTC report with all the unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I recently got a new credit report and I found out that it had some old information that needs to be removed. Old phone numbers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT DUE TO XXXX XXXX BREACH NOW I DO HAVE ACCOUNTS THAT DO NOT BELONG TO ME THAT ARE BEING VERIFIED BY THE CREDIT REPORTING AGENCIES FURTHERMORE IT IS BEING REPORTED AS CHARGED OFF IN WHICH THEY DENY TO SSUE TAX DOCUMENT
Product: Mortgage

CONSUMER PROTECTION COMPLAINT : XX/XX/XXXX This is the follow-up of our complaint of XX/XX/XXXX ; the mortgage company did sent letters in XX/XX/XXXX regarding the {$16000.00} escrow payment and a balloon payment of {$240000.00}. In that letter from Mortgage Company it only repeated what I already knew. However, this issue has not been resolved the mortgage company is ignoring my request to explain why??. This is not a newly financed mortgage so I do not understand when did the terms of my mortgage changed. Why do we owe {$16000.00} escrow? Why do we now have a {$240000.00} balloon payment? Why is this happening when California has a program save my home affordable housing program or HARP? Please, we just want answers ; therefore, can someone please, please help us keep our home.??
Product: Credit card or prepaid card

I WAS ADVISED BY XXXX XXXX XXXX, A NON-PROFIT CREDIT COUNSELING AGENCY TO ASK CHASE TO TEMPORARILY REDUCE MY INTEREST RATE. THE AGENT SAID, " THAT IS NOT AN OPTION. '' I'VE BEEN WITHY CHASE SINCE 2006, AND I'M A GOOD CUSTOMER. THEY DO THIS FOR OTHER MEMBERS, BUT REFUSE TO HELP ME. I HAVE THREE CARDS WITH THEM. TWO HAVE A VERY LOW BALANCE, BUT ONE IS VERY HIGH. WHILE I'M NOT USING THESE CARDS ANYMORE, MY MINIMUM PAYMENT SEEMS TO BE GOING DOWN ONLY A COUPLE OF DOLLARS A MONTH. I'M XXXX AND MY INCOME IS ONLY XXXX, WHICH IS {$940.00} A MONTH, BELOW THE FEDERAL POVERTY LINE. I'M STRUGGL.ING TO PAY BILLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX XXXX stated my account was at a XXXX balance and my account was closed, in XXXX. This account is damaging my creditability and providing emotional hardships to remain XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I opened a account with XXXX on XXXX/XXXX/2006 and the account shows pays as agreeded, however the account shows me with a balance of XXXX. I need this account to be updated to show at a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : 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: Checking or savings account

In XX/XX/1984 my parents purchased a Savings Certificate for about {$1300.00} from Fidelity Bank. This bank has been closed and the funds were never paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to addressed to Experian to stop reporting addresses that were never my domicile. The ONLY address that this bureau should be showing in my current address : XXXX XXXX  XXXX # XXXX XXXX, GA XXXX
Product: Debt or credit management

Relentless calls 10 in a row at times this is harassment