23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company called 4 times in one day. I did inform the individual that I XXXX there ins a limit to the calls allowed.per day and week. I was told by the woman they can call when they want and stop being a deadbeat I before I get fired and arrested.then received a call again did not answer and a message was left. This was on XX/XX/23. I then received a letter from the company about the debt stating I need to respond before XX/XX/23. I am responding as the debt is about a rental lease that XXXX XXXX had violated and I moved because they failed to repair and provide a safe entry door to my unit as well as a neighbor smoking XXXX even though al leases state no smoking including XXXX and cigarettes. They also refused to stop loud music in violation of the lease agreement. I have a daughter who is XXXX  and it caused great emotional stress to her. These are the violations form XXXX XXXX which forced me to move prior to my lease ending.
Product: Credit reporting or other personal consumer reports

I was POA and caregiver for my mother who suffered from XXXX and kept giving it info getting scammed repeatedly. I purchased a membership with Experian that included freezing reports, fraud alert and credit/identify monitoring. 
Mom died XX/XX/XXXX, I notified them and everywhere else of her death on XX/XX/XXXX in efforts to prevent further misuse of her information. Experian did nothing to her membership-no refund offered and keeps trying to charge cards that I appropriately closed upon death. except send me a case # and fax # to send death certificate to. I got the certificates finally and faxed them last Monday, have 3 confirmations that faxes went through. Called again today took 45 minutes, completely inappropriate staff behavior and ever excuse under the sun why they cant escalate my request, send written confirmation that membership is closed and credit report accurately shows her death so no further misuse can happen, they state they cant do thats or have an estate person contact me etc. THIS IS WHY SENIORS are easy target for scamming, I cant even report a death appropriately. It is impossible. We need to fix this not only so my mother can rest peacefully, but also for other people going forward.
Product: Debt collection

On XX/XX/2023, XXXX XXXX, XXXX sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$760.00}, but will settle for payments totaling {$390.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres is a chase account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with chase and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but chase isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet chase wont listen
Product: Credit reporting, credit repair services, or other personal consumer reports

keep on lowering my score on debt that is not mine and have not added my statement to my credit report
Product: Student loan

On XXXX called XXXX XXXX XXXX XXXX XXXX c/o University Accounting Service , LLC UAS for forbearance, but took them two months to tell me I was out of obtaining a forbearance, On XX/XX/2023 I called and the representative said if I paid {$720.00} that the late fees and interest would be waived for the last six months. This was a false statement. Each call or email I got a different response : Can you please fill out the attached form for the following dates and make sure to inform it is a payment plan. 
Please write Request for Payment Plan and the amount you can pay. 
Also attach any documents supporting your income such as most recent W-2 or paystub and/or letter of appeal. 
Once its completed, please e-mail it back to XXXX and allow 10-14 business days to process. On XXXX I had not heard from you for over a month and thought my daughter XXXX finally took the responsibility of the loan. How much has XXXX paid of her loan and have you been in contact with her? 
I received a letter yesterday saying you have tried to contact me. What date, time, did you call the landline XXXX number or cell? Did you leave a voice mail or what happened? 
Again I was trying to pay but your options were not the best. 
You emailed the Payment Plan, but it was not what I expected. How did you come up with {$190.00}? I thought it would be 50 % less or about {$120.00} or {$50.00}. This is only for six months and then goes back to probably more than I was paying since interest accrues at a high % rate. What are other options?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for six months from XX/XX/XXXX - XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX  REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.
Product: Credit card

On XXXX XXXX I noticed that there is a transaction into my Citi Credit card amounting XXXX $ from State of California DMV INT XXXX Ca and another Ca XXXX fee XXXX TN with the amount of XXXX . I called the CA DMV and they said that under my account there is nothing to be paid in that amount and DMV will not issue a transaction without any mail sent. And then I disputed that transaction into my mobile account in Citibank. 

And today XXXX XXXX there is several transanction under my XXXX XXXX amounting as follows XXXX XXXX XXXX XXXX XXXX, XXXX $ and XXXX $ all fromthe California department DMV. Which again I didnt make any purchase. XXXX disputed the transactions but still under investigation.
Product: Mortgage

On XX/XX/XXXX, I was laid off from my XXXX XXXX position. While trying to look for work and applying for XXXX XXXX related positions, President Trump issued a government shutdown. I immediately contacted my mortgage company, now BOK Financial. I informed them of the impending issue and signed up for their payment plan. They informed me that they would not publish the payments as late and this was a matter that was not of my own doing.I was able to obtain new employment XX/XX/XXXX. Once my first check arrived in XXXX, I began paying as requested in my payment plan. My last outstanding payment was completed in XX/XX/XXXX. So why do I bring this to your attention now? I worked hard to fight and raised my credit score so that I could be in a better standing. Now, I am being told that I had to have maintained 12 months positive payment history without a single late notice to apply for a new VA home loan for my growing family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 XXXX XXXX # XXXX XXXX XXXX  # XXXX 1.5 USC 1681 section 602 states i have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681S-2 [ A ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata
Product: Mortgage

I have recently applied for a mortgage to buy a house and my credit was pulled. On my credit it shows that I was late on three of my home mortgages which is not correct. My mortgage is set on automatic payment with my bank and the three late payments was during the pandemic that we had deferment payments period and during those periods we show one late payment. Plus two others that is the bank 's mistakes. My account was compromised as well and I opened a new account but the bank did not make the changes on time to pull out the money from my new account therefore showed late payment. They promised that they would reverse these late reports but they have not done that. This was supposed to be taken care of by my account manager but he has not done his work. I am disappointed that the banks mistakes have affected my otherwise perfect credit score. I have been current with all my mortgages including my commercial mortgages. This is not acceptable.
Product: Mortgage

We paid off a mortgage held by SunTrust Bank on XX/XX/2022. By letter dated XX/XX/2022 SunTrust acknowledged it owed us return of a mortgage escrow. SunTrust merged with Truist at some point in XXXX and has yet to ( as of XX/XX/2022 ) refund the mortgage escrow balance of {$8000.00}. We have tried repeatedly to reach them to discuss but have been unable to reach anyone to help even after waiting on the phone for multiple hours. I understand under 12 CFR 1024.34 the bank is required by federal law to refund the escrow balance in 20 business days, which time period has passed. I need help getting Truist to refund this escrow balance as they appear unable and unwilling to respond to their customers directly.
Product: Credit card or prepaid card

On XX/XX/2018, I made a large purchase at XXXX XXXX in XXXX, Texas for over {$6000.00} with a promise of interest-free financing for 24 months. After making a down payment, I navigated to the website for my XXXX card to set up recurring payments at the calculated amount to pay off the balance before the 24 months expired. These payments were automatically withdrawn from my account on time each month for two years. At some point during this time, I was encouraged by Comenity to receive paperless statements, and no longer received them in the mail. Instead, each month I received an e-mail with the amount due and the due date. The automatic payments continued and I was excited to have reached the end of the two years of payments only to discover that I had been charged more than {$1400.00} in deferred interest because the credit card auto-payment date was 8 calendar days after the terms ended. Had I not been persuaded by Comenity at numerous occasions ( online, over the phone, and in statements ) to elect for paperless billing, I would have been informed of the pending end of my terms and adjusted my final payment. Instead, at every opportunity, Comenity urged me to stop receiving paper statements. Once I elected from electronic statements, I received an e-mail each month with the amount due and the due date for my upcoming auto payment. In none of these e-mails was there a warning of the upcoming ending to the terms of my interest period. After several calls to Customer Service, I was told that it was my responsibility to read the fine print in the statement ( which they urged me not to receive in the mailbox ). This is unethical behavior and a failure for Comenity to honor their duty of good faith in the execution of the terms of this agreement. They purposely tried to hide this date form me creating obstacles at every turn ( messages when calling their customer service, pop-ups on on their website, etc. urging me to use paperless billing ). Once enrolled in paperless billing, on several occasions I visited the Comenity website to find that the system was down, unable to display statements, and only accepting payments -- preventing me from being able to view my full statement. Comenity is engaging in unethical practices by purposely hiding this information from consumers and failing to take responsibility and blaming the customer on their oversight of the issue. Alliance Data prides itself as a loyalty company, but this is no way to build loyalty. Comenity is not a court nor the federal government, and therefore does not have a right to impose a penalty, and that is exactly what this charge of over {$1400.00} is.
Product: Credit reporting or other personal consumer reports

Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XXXX XXXX XXXX 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your assistance with this matter.
Product: Debt collection

XXXX XXXX if this is you please press one now or hold for message my name is XXXX XXXX calling with MAC we're calling in regards to a return payment on your account if we do not hear from you your account will be flagged is unresponsive we wish to make a decision on your file today however without your input the account in question will be labeled as a refusal and paperwork will be filed in your county please call us immediately to discuss this case you can either press one now or the phone number that you can use to reach your case manager is XXXX again that is XXXX thank you
Product: Credit card or prepaid card

I purchased ( 2 ) airline tickets on XXXX XXXX XX/XX/2020 on my Capital One credit card. 

XXXX XXXX cancelled the flights and I disputed the charge with XXXX XXXX and Capital One and received ( XXXX ) Purchase Adjustments for {$410.00} on XXXX XXXX, 2020. 

On XXXX XXXX, 2020, XXXX XXXX issued a refund to my credit card for the ( 2 ) airline tickets. 

On XXXX XXXX, 2020, Capital One issued ( 2 ) Transaction Rebills to reconcile the purchases and refunds. 

On XXXX XXXX, 2020, Capital One mistakenly charged a 3rd Transaction rebill for {$410.00}. I phone Capital One on XX/XX/XXXX to dispute this mistaken 3rd charge and after more than 1 hour Capital One stated that the mistaken {$410.00} charge would be reversed before my XX/XX/XXXX statement closing date. I called Capital One again on XX/XX/XXXX to request reversal of the mistaken {$410.00} charge and was informed it would be reversed before my statement date. I also disputed this mistaken charge by certified mail to Capital One - there is no other option ( online or otherwise ) to dispute credit card charges with Capital One. 

Capital One finally reversed the mistaken {$410.00} charge on XX/XX/2020 - nearly XXXX weeks after it was promised. Capital One 's failure to reverse the charge impacted my credit report and credit score XXXX from a XXXX to a XXXX ). 

Capital One is currently repeating the same misconduct with a second disputed airline ticket for a canceled flight with XXXX XXXX. I disputed the XXXX XXXX charge by certified mail on XX/XX/XXXX ( received by Capital One on XX/XX/XXXX ) and spoke with Capital One on Thursday, XXXX XXXX, 2020. Capital One said that the charge would be reversed pending investigation in 2-3 days. I called Capital One again on Saturday XX/XX/XXXX and Tuesday XX/XX/XXXX, but the disputed charge acknowledged by Capital One has still not been reversed contrary to Capital One 's statements to me on XX/XX/XXXX and XX/XX/XXXX. XXXX, Capital One 's misconduct is adversely impacting my reported credit limit, credit report and credit score.
Product: Mortgage

We received an escrow Statement dated XX/XX/2022. It is incorrect and included a tax line that is not accurate. It seems the bank misread the tax bill and added over 50 % to our total, and is attempting to collect not only an escrow shortage but a higher escrow amount based on the wrong tax total. We have called every week since, and spoken with multiple reps. We have a case number. Each week, each rep goes through the same process and realizes that the tax amount in incorrect. They have the tax bill we submitted on file. They then send a request to whomever to update the tax line and to re run an escrow analysis. There is never any follow up. Every week we call back and we are told nothing has been updated, or the escrow analysis was denied, and the whole thing starts over. We have been at this for over a month and after wasting hours, are nowhere. We have lost all faith in this mortgage servicer -and it was not one we chose but one who bought our loan. This needs to get resolved as we are not paying money we do not owe.
Product: Debt collection

I received an email from my boss regarding wage garnishments, when i saw from whom I contacted them and asked from what company, the account was one I had disputed due to me being unemployed during XXXX. they insisted that i pay the XXXX immediately, money I do not have and that since I can not pay the amount they will move forward with wage garnishments. My employment is the only way i pay my bills and rent I can not afford to have wage garnishments when the account was disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian charged my card for {$4.00} for a free credit report. I did not authorize the {$4.00} charge since it was a free report. Then on XX/XX/XXXX, I was notified by my credit card that I had a pending charge of {$19.00} for a service I never authorized nor did I sign up for said service. I proceeded to call Experian and was on hold for 2 hours before a service representative, who could not speak clear English, answered my call. This is a complete XXXX scheme that Experian is running. They entice people through email to try a free service and then silently and through very deceptive tactic sign people up for a service they don't want. They will say you signed up. They manipulated the placement of such a deceptive tactic and many consumers are duped into signing up and not even realize it. In addition, I received an email from Experian on XX/XX/XXXX, that I click on and low an behold the next day I had a pending charge of {$19.00}. Very effective strategy for a company running a massive XX/XX/XXXXscheme. I guarantee if this happened to me there are millions of consumers having their money swept from their credit card accounts and bank account on a monthly basis. If 1 million consumers are deceived that is {>= $1,000,000} per month going to a company for a bogus service. This has the making of a class action law suite in line with the XXXX XXXX scam.
Product: Credit reporting

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 'm writing in regards to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX. 

My son left the apartment in XXXX, XXXX. Working with XXXX . XXXX XXXX, Senior Leasing Consultant, at the time, they agreed the apartment complex would keep his deposit and the rent for XX/XX/XXXX in return for letting him leave the apartment at the time. My son did not get anything in writing from XXXX XXXX as he trusted her to keep her word. 

Now I understand there is a notation on mine and his credit report that an amount is owing to the apartment complex due to his leaving prior to the end of the lease. 

I know XXXX XXXX was sold to other owners who put the bad debt on our credit reports. 

I would like this matter cleared up very quickly. 

I can be reached at XXXX during the day or at XXXX after XXXX XXXX here in XXXX.
Product: Debt collection

The company did not take any action because it had already sold the debt and I asked them to remove that account that I did not authorize to anyone and that was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from State Collection Service informing me they are handling the collection of a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between State Collection Service and me which make them entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming State Collection Service as a company entitled to enforce a commercial claim against me.
Product: Money transfer, virtual currency, or money service

I was trying to buy a kitten as a gift for my sister and was scammed by a person pretending to sell kittens. They told me to send money via zelle, {$650.00}. I did, and they continued to ask for money, but I realized it was a scam before anything else happened.