23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent NUMEROUS complaints about the same company : J.C. Christiansen associates over the past few years. 
They constantly call my number they do not display who is calling on the caller ID. It shows " Not in Use ''. 
They repeatedly called me every day m-saturday starting at XXXX till after XXXX. several times a day up to 5 times. 
I have told them not to call me several times and asked for everything to be sent in writing. I have spoken to several people XXXX, XXXX XXXX and a few I forgot. No one seems to take heed to my requests. I have also complained to my Atty generals office in the past and they stopped for a while. Please shut yhis place down.
Product: Credit card or prepaid card

CitiBank has denied a credit card application. Repeatedly ; CitiBank has falsely accused me of having filed bankruptcy 26 years ago and having unpaid accounts to CitiBank! I have neither filed bankruptcy nor have any unpaid CitiBank accounts, ever! In fact ; I have a CitiBank Costco Visa and A Sears CitiBank Master Card. Currently ; I have been approved for a house purchase and have over a dozen credit cards for the purpose of making around {$4000.00} in rewards! CitiBank has sent me two letters and have had two heated conversations with CitiBank so called Executive XXXX XXXX and is adamant that her false records are mine! In fact ; she expects me to do her job and investigate what she is talking about. However ; she fails to provide any detail information, other than hear say. Yet ; she uses such information to tell me that I have bad records! It seems to me that XXXX is discriminating on me and also thinks she know more about me than me. In addition ; I have 100 % record of making payments on time and have a score rated as excellent, XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Debt collection

XXXX sold a phone and service representing it was XXXX two years ago. It was not XXXX. Numerous XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and other sources reported on this scam. In fact the XXXX XXXX XXXX XXXX  sold me was a XXXX phone that would not work on XXXX networks. 
I paid a monthly fee to be able to upgrade to new technology with XXXX monthly and was told this would mean I would receive a new phone every year for no additional charges. That also was a lie. This too is well documented on technology sites and magazines. 
I complained to XXXX. Nothing. I eventually terminated my XXXX  service and moved to XXXX that provided XXXX. I purchased another XXXX XXXX XXXX, costing {$1900.00} cash, again. I continued to advise XXXX  I disputed their claim for the price of the fraudulent spec phone. They would not accept a return of the phone. 
I received calls, repeatedly, from Credence Resource Management ( a collection agency ) on behalf of XXXX. I explained the dispute. Eventually, several months ago a supervisor there, XXXX XXXX, asked for a letter explaining my dispute, which I sent him. He then told me the negative report would be removed from my credit report. 
And it was for several months. 
Then it appeared again. When I talked to XXXX XXXX he said it was in error and he was looking into the problem. He subsequently said he was consulting with his " back office '' but that they had not responded to him about what to do. This has been going on for a number of weeks.
Product: Mortgage

I recently applied to increase the limit of our exisiting HELOC at KeyBank. This was denied, but I was told the decision would be reconsidered if I transferred ( rolledover ) my IRA to XXXX XXXX XXXX Is it legal for them to do this?
Product: Debt collection

XXXX XXXX XXXX, has placed XXXX different collections on all my credit reporting bureaus. There are XXXX different amounts, XXXX for {$290.00} and XXXX for {$170.00}. I have called XXXX XXXX XXXX several times to find out what the bill is for, no one can provide me any information on why this is happening. This has been going on for over two years now. They place it with a collection company, I ask for validation, its removed, then then two months later, its with a new collection company with new dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Mortgage

CFPB XX/XX/2020 To who it may concern : I am refinancing my mortgage from Freedom mortgage to another lender. In the process my title company and mortgage broker both requested a payoff from Freedom Mortgage on XX/XX/2020. Today is XX/XX/2020 and still no payoff has been received. I talked to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX # XXXX XXXX Supervisor/Manager on XX/XX/2020 ) who promised a payoff Fax to the title company by close of business XX/XX/2020. Here it is XX/XX/2020, closing is supposed to happen tomorrow and still no payoff. Today I have communicated with XXXX # XXXX, XXXX # XXXX ( Supervisor ) and XXXX a Manager. My correspondence and concerns seem to be falling on deaf ears as I have received no resolve in this matter. 

Freedom Mortgage appears to have no regard for federal regulations pertaining to the time requirements for responding to a payoff request. 

Please have someone contact me in regards to follow-up action taken regarding this complaint. 

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

To update the damages to my credit, no matter not asking for credit, the free credit report from XXXX XXXX provided by Discover Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXXXXXX XXXX XXXX XXXX XXXX. also known as XXXX 
I want to thank Discover Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to Discover, now that there is a Lawsuit filed on my part. 
This is not to complain against Discover, but to show to XXXX XXXX, that if ask Discover for a simple credit card limit increase, this fraud authorized by XXXX  manager XXXX XXXX XXXX will make any Discover Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. 
No matter I request a credit line increase, or if it is Discover with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX  XXXX XXXX owned since new, even XXXX require repairs no matter this is the original factory installed XXXX  that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as XXXX XXXX at XXXXXXXX XXXX, an XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Debt collection

I had cable service from XXXX that was contracted through XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL about 3 years ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called XXXX has sent me a letter attempting to collect the debt. I filed a complaint against XXXX ( See Case Number XXXX ) Guess what? Stellar Recovery, I want you to know I am stellar and will never pay this. Tell XXXX XXXX that they can keep doing this for another 4 years, I will keep filing complaints. STELLAR! If Stellar Recovery contacts me again, I will take legal action for violations against the Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

There Is A Closed Account Showing Late Payments Due the XXXX XXXX ( not ) as " current '' There Violated My Rights To Privacy. It's illegal to be sued for failure to pay debt because your contract with the original creditor was a contract of adhesion. 
Contracts of adhesion are considered unconscionable. 
And they are not enforceable. 
UCC 2-302
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I have written on multiple Equifax on which this account is not MIA. I am concerned that at no time Equifax has sent me letters or answers. The account is : XXXX XXXX account number XXXX
Product: Student loan

I started XXXX XXXX at XXXX College on XX/XX/2019. I applied for an in-school deferment before classes even started. It took over 2 months and 15 phone calls to Navient, my student loan servicer, in order to finally get them to apply it to my account. I had to pay 2 months of my student loans while in school and also paying tuition out of pocket because of their negligence. Since XXXX, they have inexplicably removed my in-school deferment 3 times. The first 2 times, whomever put my loans on hold put them on a temporary hold instead of an in-school deferment. This caused late payments to appear on my credit report, and effected my credit score, which I have worked diligently to improve over the last 3 years. The last time I spoke to them, they promised I would be put on an in-school deferment. This morning I received a letter from them that my income based repayment plan was approved and my new amount due would be {$490.00}, due on XX/XX/2019. This is the 3rd time they have made this mistake in the span of 7 months. I called them yet again, and they are trying to tell me they never sent anything to me, even though I literally have the email in front of me. When I asked to speak to a manager, I was put on hold and left there. No one ever came back to speak to me. At this point, I am unsure what is going to happen, and will probably have to call back yet again to make sure they are not going to start charging me. This is unnecessarily stressful, as I have done everything they asked, I have submitted every paperwork needed, and I should be able to be in XXXX XXXX concentrating on my degree, not worrying that suddenly my bank is going to be auto-debited {$500.00} that is set aside for rent, or that Navient is going to wreck my credit again. They are a fraudulent company, and it is unconscionable that they are allowed to do business.
Product: Mortgage

cOn or about XXXX XXXX I called Chase mortgage as I had received a notice my mortgage would be going up another {$60.00} per month per their mortgage analysis. Upon speaking with a manager at Chase ( I need to locate my notes for his name ) we went over my analysis .Neither my school or property taxes had gone up, actually one of them had gone down, he did not say which one, so I asked why the increase then??? Without my knowledge my insurer raised my insurance 2 yrs ago & did not inform me so they are trying to base this increase from 2 yrs ago. Last year Chase did the same thing, I paid the shortage and they still raised my monthly mortgage payment with no legimate answers as to why .This is happening every yr, my mortgage was sold to then by XXXX XXXX  several yrs ago I feel as though I am being ripped off and this is not justified .Never once have we missed a payment ever on our mortgage!!!!!!! Also Chase had a data breech the manager was not even aware of this I have no confidence in this company. As soon as rates go down I am leaving this HORRIBLE COMPANY
Product: Checking or savings account

Im getting emails from XXXX still seeking this money transfer from SOFI. I'm attacking email thread so verify that XXXX has not recieved these funds. I've called SOFI several times since.i filed the complaint yet ive made no progress at all. We just want to finalize this transaction, this could have been finalized weeks ago whe. SOFI verified that the check they sent hadn't been cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I have been going back and forth with the bureaus for over 7 months now! I ask that you delete these accounts immediately, or I will be filing a legal complaint against you! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways and need to be deleted immediately from all XXXX bureaus XXXX XXXX  several inaccuracies and need to be deleted immediately from all XXXX bureaus. 
Never had any account with XXXX XXXX and also several inaccuracies reported and should be deleted immediately from all XXXX bureaus
Product: Credit card or prepaid card

This is against Barclay 's Bank. I have their XXXX VISA card, which was transferred to another bank, XXXX XXXX, on XX/XX/2023. I sent a payment via US mail ( money order ) to XXXX 's before XX/XX/2023. They accepted the payment and cleared the money order on XX/XX/2023. 

However, now, the credit card is a XXXX VISA at XXXX XXXX. XXXX says that I have a current {$120.00} balance, even though I paid that balance in full to Barclay 's, and Barclay 's cleared the payment, even though they can not find it.

Barclay 's says there is nothing they can do unless I submit proof that the money order cleared. ( I have verbal confirmation from XXXX that it cleared on XX/XX/2023 ). To get written proof, I must file a dispute with XXXX ( the money order 's issuer ). They say it will take up to 6 weeks, and they require a {$12.00} payment for that service. 

In the meantime, I had to pay XXXX XXXX so as to not have a late payment appear on my credit report and incur a late fee. Now, I am out two payments of {$120.00}. I do not believe the transfer of the card should have been allowed if Barclay 's did not have a system in place to keep track of customers who made payments.
Product: Credit reporting or other personal consumer reports

I have not been able to acquire my full credit report from any one of the three credit bureaus for many, many years. Problems to my knowledge are as follows, my last name is spelled incorrectly, my birthdate is incorrect, and one address is incorrect, as in I never lived there and have no idea how it got on my report. There may also be a problem with my social security number, I am not sure. I haven't contacted whoever reported or furnished these incorrect pieces of information as I'm not sure who they are or how to find out who they are and how to proceed. I would like to get these inaccurate errors fixed immediately so I can start off XXXX  with all three corrected reports from all three of the bureaus, so I can properly evaluate my financial status and proceed to process fixing my credit over this next year with the help of a financial advisor. Thank for your time.