23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a vechile with XXXX XXXX XXXX in XXXX, Texas. At the time of purchase I didnt have a Social Security number however I was able to finance the vechile using my ITIN number which is a tax processing number issued by the Internal Revenue Service. ITINs are for federal tax reporting only, and are not intended to serve any other purpose. IRS issues ITINs to help individuals comply with the U.S. tax laws, and to provide a means to efficiently process and account for tax returns and payments for those not eligible for Social Security Numbers. 
That being said, 3 months later I received my Social Security number through the mail, and have rescind my ITIN number, I contacted my financial company that i used to finance the vechile Westlake Financial, I sent them copies of my Texas Drivers License and a copy of my Social Security card and they refuse to update my account discriminating against me because its not a normal Social Security Card? I am leagally authorize to work in the USA and I feel descriminated against, and would greatly appreciate if higher authority can step in and have Westlake Financial update my account with the right Social Security Number so I can obtain credit for my on-time payments.
Product: Debt collection

On XX/XX/XXXX I received civil suit paperwork from XX/XX/XXXX. The suit was filed by a XXXX XXXX XXXX of Velocity Investment LLC. XXXX XXXX is attorney working in the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. The original creditor is XXXX. I have no idea who XXXX XXXX is I have never received any paperwork from XXXX XXXX stating he obtained this account to collect a debt. The only communication I have received from XXXX XXXX is the filed lawsuit paperwork Docket # XXXX. The only paperwork I have received concerning this account was a settlement notice through email from the office of XXXX and XXXX dated XX/XX/XXXX and the court paperwork that was filed XX/XX/XXXX in the city of XXXX SC that I knew nothing about until XX/XX/XXXX when I received a letter in the mail to pickup a civil suit paperwork for the magistrate court of XXXX SC. On XX/XX/XXXX I contacted the only contact information I had which was XXXX and XXXX through email and was told they no longer handled this account.
Product: Credit card

This is in reference to CareCredt card, issued through Symphony Bank. I was on a deferred interest plan and was not notified by mail or email that the promotion was ending and I was charged over {$700.00} interest on a balance of {$300.00}. I had recently enrolled in the paperless statement to avoid the monthly charge for mailing a statement. I am enrolled in other paperless statements and always get an email when my statement is ready to view online, however when I called to complain about this the customer service representative first told me she checked and I was sent an email, which I did not receive. I then talked to a supervisor and was told they do not notify the cardholder that the promotion is ending, that I should have known to check my account online. I have always paid my bill on this card and paid off a previous promotion before it expired, I was receiving paper statements then. I believe this is an exorbitant amount to charge me when I wasnt even notified the promotion was ending. I paid the amount and closed the account but I feel this was unfair.
Product: Credit card or prepaid card

My work car was illegally towed, provided laws that were broken, dr documentation and etc. the company forces you to pay to get the vehicle out holding it hostage. I have zero consumer protection with chase regarding this which is embarrassing as they essentially are agreeing to pay a criminal activity because I know they are doing more than just my car. They illegally made me pay XXXX  dollars. If you don’t think this is a fraudulent company go and visit them. You don’t even see one real person. They lie and tell you the wrong info to keep your car longer. There was never a warning or anything applied my car was stolen and I had no idea where it went because I never received notice. On top of this they don’t even tow actually illegally parked cars as there are cars parked in the middle of the road and in front of fire hydrants and intersections. Seems like they have some sort of selective discrimination here since I’m XXXX
Product: Credit reporting or other personal consumer reports

I am following up on an issue with XXXX, a XXXX loan provider. I was working on my XXXX. and a student in school. XXXX kept sending me your letters, and bills and they were calling me that I had to pay them back from XXXX My university confirmed I was in school and working on my XXXX XXXX  kept billing me. The vice president of my university and I called XXXX and it was cleared up. It took many months and over XXXX hours of discussion between XXXX and XXXX XXXX  to finally get XXXX 's misinformation finally got it settled. 
An issue with XXXX came up again in XX/XX/XXXX. I began getting calls from XXXX that XXXX XXXX payments were due. I was still attending my graduate program. I understand that post-graduation, graduates have a six-month grace period. This would be estimated from XXXX XXXX XXXX at which time I was scheduled to complete my program and graduate. I communicated this information to XXXX representatives, which was ignored. 
XXXX  representatives continued to call and bill me demanding pay even though I was in school and later within the grace period. I contacted my lawyer and despite many communications and documents showing their error with the repayment period, XXXX continued to send me emails and bills of past due payments. They also reported them to credit bureaus the mis information. The bills show overdue payments even though I am in the grace period. I have consolidated all my student loans however XXXX refuses to correct the credit bureau reporting errors. 

My credit report is significant for XXXX, which I qualify as a XXXX XXXX XXXX I am requesting to remove the late payment reports from XXXX as soon as possible to ensure my credit is restored so it does not affect future XXXX or other credit concerns. 
Kindly confirm this will be corrected at your earliest convenience. I am attaching previous documents demonstrating the reporting error to my credit report. On a related note, XXXX sent a letter with a return address stating the " Department of Education. '' The letter stated I could not consolidate my loan because I had a past due payments balance with XXXX. I learned that the letter was not from the Department of Education it was from XXXX which is XXXX XXXX  affiliate. This is clearly fraudulent misinformation and their unwillingness to correct their errors, is a serious concern. 

I went back to my employer to let them know and they told me to file a report with the CFPB. I filed a complaint to get my loans consolidated and report XXXX XXXX bad-faith communication/ practice. I'm concerned as they may be reporting overdue payments to the credit bureaus which is untrue. They are stating I owe {$840.00} and other fees that are past due but am still in the grace period. I hope to clear this misinformation that is affecting my credit from the misreporting by XXXX XXXX  reports removed from my credit reports.
Product: Debt collection

The collection company IC systems in behalf of XXXX was mailed 2 letters from me, one requesting proof of debt and request to be removed as it is not my account. Their reply to my first letter stated that they were unable to identify my record without further information. They have not sent me any written communication aside from the response to my debt validation letter, so I am unable to reference. It is believe that they have my information incorrect on my credit report. When calling their office, the prompt asks for an account number which was partially listed and when I attempted to call and let them know this, the prompt hangs up immediately if no account number is entered in the phone system with no way to reach a live representative. I can attach information that is listed on my Credit report and this is not an account of mine. I have never lived in North Carolina, never visited this location and would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dispute # XXXX XX/XX/22 my Credit Score with Experian was XXXX. As it had been for a long time. 
XX/XX/22 Experian requested I renew my banking link for their " Boost '' program, which I did. 
XX/XX/22 my score dropped XXXX points to XXXX due to new debt of {$820.00}. This was the total of my XXXX, utilities, and garbage bills for the month which are the accounts they use for their " Boost '' program, not debt. I always pay these bills on time. My total credit limit is XXXX with my credit cards with XXXX balances. How could this so called debt drop my score by XXXX points? 
XX/XX/22 I filed a Dispute " as they advised me to '' and terminated my " Boost '' program XX/XX/22 my score dropped another XXXX points for terminating the " Boost '' program. They only gave me XXXX points when I originally joined the " Boost '' program. 

In one week, they reduced my credit score to XXXX points!
Product: Student loan

In XXXX, XXXX I began employment with a XXXX XXXX 

I received a letter on XX/XX/XXXX stating that I qualify for the Public Service Loan Forgiveness Program. I was given credit for 34 past payments from my previous school district. My estimated Eligibility Date is XX/XX/XXXX. 

When I received my qualification, I phoned XXXX XXXX to confirm and get any additional information that I needed. I was told that I needed to reapply every year to keep this program current. 

On XX/XX/XXXX, I phoned the company to see if I needed to reapply at the beginning of the school year or wait until XXXX to do so. 

I was told by the representative that I was not in the program and no payments have been made toward this program. Also, I did not need to reapply but fill out a new application to start the acceptance process over from the start and if I am accepted it will retroact the process. I did not matter how often I reapplied as the program does not give forward credit for my being accepted and everything is done " retroactively ''. 

This information appears to be in direct conflict from my previous letter of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 4 fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A Personal Loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XX/XX/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: Debt collection

When we moved into the apartment our Landlord promised us it would be move in ready, and had us sign paperwork that it would be, It wasn't, it was dirty and mold infested and had furniture and garbage still in it. When we moved in it was not livable but we had limited options as my wife was XXXX  at the time. He tried to bribe us to clean it out and move furniture out and maintain the garbage by the mail slot by promising to write up a new lease with a reduced rent. A new lease was never written so we reported the apartments condition to the health department which required him to perform another inspection with updated responses. After that he started treating us poorly and delaying repair orders. I paid my rent on time for the next few months before I lost my income. I went on XXXX Leave in XX/XX/XXXX, and when I returned to work in XX/XX/XXXX they took all my hours and had to look for other employment and was unable to pay rent. I tried to work with our Landlord to give him all the money we would owe him once we got our tax returns, he agreed to those terms but within 2 weeks served us a Pay or Vacate Notice. We since discovered a collection account opened against us. Of the XXXX they have in collections for us XXXX of it is for rent that we owe and are willing to pay but the rest in listed as for " remodeling '' which should have been done before we moved in and we do not feel should be our responsibility.
Product: Checking or savings account

I opened a checking account with Chase Bank in XXXX of XXXX After a month of maintaining the account it was hacked. Someone spent all of my money in Texas and transferred money to a different account or place. I reported it as fraud. The bank gave provisional credit but then took it back and said I needed to go into a branch and provide proof that I wasnt in Texas at the time of the transactions and my money would be returned to me. I did this and the banker helped me fax over the documents to prove this. Then the bank came back and said unfortunately they couldnt accept that and would not be returning my money. It was over {$800.00}. I have tried calling numerous times to get my money back and my account reinstated but every time I try they tell me there is no history of my account. I just need to have my money back. Its been over a year and its unacceptable.
Product: Debt collection

XXXX. Company XXXX XXXX XXXX  gave the name of their company but not the NATURE of the reason for their call or reason they wanted sensitive information. After I had to research who they were, I returned the call and informed them that the debt they were trying to collect on would be paid in full by the VA and I had already notified the original creditor. I already have the XXXX  showing it has been paid and they have sent yet ANOTHER attempt to collect on the debt when I know fpr a fact the hospital pulled the bill from them as paid. I know this bc the bill has been paid, a claim has been submitted by the hospital, and the company sent me a collection request 12 days after talking to them and filing complaint to collect a debt, only gave the NAME of their company, AND they told you they never heard from me when they sent out a mailing which is not true because I called them and told them I only had SSDI for income and they asked " So, you are not going to make any payments on this? '' ) I told them then that no I was not making payments since my husband lost his job after a XXXX at work and my SSDI was not even keeping the lights on. but again. they KNEW XXXX was taking care of the bill and STILL keep trying to collect, there is NO bill and my only income is SSDI for XXXX people. THAT BILL IS TAKEN CARE OF.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Hello my name is XXXX XXXX, chime back in XXXX took {$200.00} from me putting me in the negative {$200.00} then back in XXXX there ways - {$300.00} then they blocked my purchases XXXX of them way my internet bill for {$240.00} then the other was a charge to XXXX which was a gift for my younger sibling, then another was a train ticket though XXXX which was for my mom to come visit me at my new apartment, I contacted chime customer service and they said there was something that zapped my card for the {$200.00} tried to say it was a subscription which it wasn't because the one they claimed it was wasn't due tell mid XXXX and it was for {$100.00}. I closed the account because I was tired of the lies and fraud claims I want something done
Product: Checking or savings account

On XX/XX/XXXX, I requested Citibank close my checking account. They confirmed they would do so ( see attached image of chat transcript ). They DID NOT follow through with the request and then charged me a FEE on XX/XX/XXXX. Now they are REFUSING to close my account due to the overdrawn fee that was charged AFTER they said they'd close my account.
Product: Mortgage

On XXXX XXXX, Nation Star/Mr cooper received a payment from me for {$10000.00}. My balance was {$10000.00}, which should have left a balance of {$83.00}. On XXXX XXXX, I saw the check clear my account, so went on line to see if I could get a payoff amount. I noticed the {$10000.00} was " unapplied payment '' and my balance was still {$10000.00}. On the home page it stated congrats your loan is paid in full. I call and the girl on the phone told me that my account was paid off and I had no balance. I told her I should have a {$83.00} balance. She told me, I was wrong and there was {$100.00} escrow credit which was applied to my account. I told her the payment history did not show that and my most recent statement showed a balance of {$11000.00} with next payment as of XXXX/XXXX/XXXX, which was incorrect because it did not show my normal XXXX payment. She told me it would take a day or 2 to apply the payment, but my account was paid in full. I checked back on the XXXX of XXXX and their was not change to the history of the account, so I called again. I got the same run around and I was told it is in the satisfaction department and I was paid in full. On XXXX XXXX, I sent and email to them asking for my account to be updated because it was still showing {$10000.00} balance. They sent a generic email back stating someone would get back to me. On XXXX XXXX, I sent another email stating if it was not fixed I would be going to the CFPB, I received another generic email stating I would be receiving a letter within 10 day ( no letter ). SInce I did not receive a XXXX Statement in the mail, I went on line to check my account. There was no statement generated and the balance was still {$10000.00}. On XXXX XXXX, I sent another email, because the account is still showing a balance of {$10000.00}, I received a generic email back. On XXXX XXXX, I received a letter at my home, that they are researching my complaint and they have 30 days from when I notified them to resolve the complaint, however most of the time it is resolved in less than 30 days. It was already over 30 days from when they received my payment. On XXXX XXXX, I check my account and it is still showing a balance of {$10000.00}. 

I need a statement showing my payment was applied and the balance is {$83.00} and if there is an escrow credit of {$100.00}, it needs to show that, if not I need a true pay off figure. If my account is satisfied then I want my mortgage satisfied in the court house and proof the account is satisfied. I do n't want anything to show on my credit report years ago that I had a collection or missed payment for XXXX How hard is it to post a correct payment. How can it continue to show as payment applied, when my check was cashed?
Product: Debt collection

I have tried multiple times to rectify the debt which in the state of Texas has to have a bond in order to collect anything which they do not have making what they are doing illegal