23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

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

Citibank NA had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my XXXX on XX/XX/2019. I disputed with XXXX XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to Citibank to request a hard copy of my report to XXXX XXXX  or XXXX never did that since Citi also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the XXXX to low XXXX. Citi has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do Citi took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope Citi may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.
Product: Debt collection

I have yet to receive any type of notice of this debt. I learned of his debt on XXXX XXXX and its been on my account since XX/XX/year> and have yet to receive any letter. XXXX XXXX also does not list a physical address to send a certified letter or any contact information
Product: Mortgage

Sps servicing has held my mortgage since XX/XX/XXXX and still does. They paid for the insurance part in escrow until XX/XX/XXXX when they dropped it, still paying for other taxes included. Payment is paid a year in advance so the insurance part of escrow was paid till XX/XX/XXXX, payment was suppose to be made for XX/XX/XXXX but was not, I`m now paying for this. XXXX, the insurance company for the property sent me a bill for it as documents attached confirm. I told them that Sps is suppose to pay for that and XXXX said they agree but Sps refuses to pay it. 

I talked with Sps on many calls in XXXX to XXXX and made over XXXX calls asking them to return the insurance to escrow as all taxes were to be included in the payment as agreed when the property was purchased in XXXX. XXXX said they never saw this before. Attached document from Sps shows they no longer do this coverage for condos. 

I filed also with the XXXX XXXX XXXX and the State Attorney Generals Office in Florida, both forwarded my complaint to Sps and they are awaiting responses from Sps on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the XXXX, XXXX STILL has multiple accounts furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
Product: Credit reporting

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bakruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
Product: Credit reporting or other personal consumer reports

My personal Experian credit monitoring account was hacked. A hacker logged into my account and changed the associated email and phone number. Each of those are used to verify each other, so I have no way of regaining control of my account. I was not notified my account was accessed from a new device, or that my account info was changed. I can not find any page on experian 's website for a compromised account, and their phone tree did not offer help with compromised accounts. Eventually I found a phone number that connected me to a real person, who said they would lock the account, and I could mail in documents to prove my identity. This was over a month ago as of today, XXXX. I was given a ticket number, and a phone number I could use to talk to an operator. The phone number leads to the same generic phone tree and there is nowhere on their site to enter this ticket number. I have no path forward to regaining access to my credit file.
Product: Credit card

I had a credit card with Bank of America. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution.
Product: Debt collection

I am being charged {$1300.00} for a medical debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report there are still erroneous accounts that are included in my file. I sent a complaint earlier this year specifically on XX/XX/2023, to dispute these accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$18000.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

First I began a dispute with the credit bureaus. Nothing was getting resolved. Every time I would dispute the investigation would say that the information was updated, which would change all the time. The payment updates would change to unknown. This is my credit report. If the data is unknown, then there is no data, and it should not be on my credit report. So I called Comenity Bank. Need I remind you this is a recorded line and she said that she could not validate it. Then I said you would have to remove this. She said I would have to send a letter to the dispute team. I did so. They have not responded to my letter requesting validation. It has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Beginning XXXX, I have mailed multiple disputes to XXXX, XXXX   and Equifax for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

XXXX  and XXXX  removed all of the above fraudulent accounts except XXXX XXXX and Equifax did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.
Product: Checking or savings account

About a week ago I was scammed out of the remaining balance in my chime account through an XXXX XXXX transaction. 

I was called my a person who already had my account information, posing as a chime agent helping me with fraudulent activity. As soon as the money was taken from my account via an XXXX XXXX transaction I called chime support about the fraudulence, to which they said nothing could be done until the payment fully processed. Once the payment did fully process, I disputed the transaction and uploaded supporting limited evidence showing the address that was changed on my account, and any email alerts sent to me while the hacker was invading my account. I should also note that in order to prove that the agent was a real chime agent, they had me read the customer service number on the back of my chime card, which matched the number they were calling from. 


My dispute has since been denied without proper investigation, and I have since reopened this dispute. Im hoping filing this will further help any efforts on my behalf.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied for a CITI Simplicity credit card based on an advertised 0 % APR promotion. It is now XX/XX/XXXX and I have yet to physically receive the card. 

I called Citi on XX/XX/XXXX and spent 32 minutes talking to customer service and proving my identity. I was told a replacement card would be expedited to my new address. I wanted to use the card for Black Friday/Cyber Monday. 

I called back on XX/XX/18 to inquire about the whereabouts of this card and was told the card was never processed. I was told that Citi tried to contact me after my 32 minute call to them on XX/XX/XXXX,  but no voicemail was left nor is there any record of a missed call. No communication by email either. Citi never bothered to inform me that they were not sending me a credit card. I then asked to be transferred to a supervisor and was hung up on. No follow-up call, explanation, or apology was made to me much like my call 8 days earlier. 

There is an inquiry on my credit report from this credit card. Several months have passed and I have not been able to use the 21 month 0 % APR term, nor register the card electronically to see my monthly statement balance ( currently {$0.00} XXXX. I do not have access to any information regarding this credit card, nor can I use it to make purchases. 

I have another Citi card open in good standing ( with a zero balance / {$38000.00} credit limit ). 
I've never been treated like this by any other credit card company and would like the Citi Legal/Executive team to justify their service and execution. This is false advertising.
Product: Credit card

Realized today that my auto payments for my Jordans TD Bank credit card have not processed for XXXX and XXXX Called customer service who advised me that due to a returned payment on my account in XXXX ( totally my fault ), I no longer qualify for auto pay. 

I was in no way notified of this, my account still shows auto pay turned on, there is no notification on my statements which still indicate auto pay is active, and Ive gotten nothing in the mail. 

How am I supposed to know that I can no longer use auto pay? Now I have XXXX late payments on my account. This is incredibly bad business and is setting people up for failure. On top of that, the horrible attitude I received from both a phone agent and her supervisor was completely uncalled for. I work in customer service and would be fired for speaking to people like that.
Product: Money transfer, virtual currency, or money service

my sister gets unempolyment but has no card to put it on. so it being my sister i gave my card informtion to put it in the florida unemployment office acc. so the money comes to my account and i give it to her that day. so today my money says negitive i call and they tell me it is under investigation.

but this is not my problem never got a email from my bank nor from the law informent fraud team. the unempolyment office never said this was not ok and if this was going to happen why did the unempolyment office and pnc bank approve my card on her account. this needs to be fixed today.
Product: Bank account or service

On XXXX/XXXX/2016 I made an online transfer via my Bank of America online account to my landlord who uses XXXX XXXX Bank. Bank of American withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Bank of America to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my account.
Product: Mortgage

A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I asked the bureaus to do a verification of everything that was on my credit report and they did. They stated that everything was accurate, and after doing my own thorough research myself I found improper inaccuracies on the credit report even after they did the verification. 



Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX has violated my rights.

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

Good Morning ; Hi, i actually just finished talking to XXXX at General Revenue Corporation, a debt collector for XXXX XXXX XXXX. They said that they no longer have the debt and they are in the process of removing them from my credit report. She said that by now their company GRC should've already been DELETED from my credit report. However, it's still reporting on my 2 major credit bureaus, XXXX  and XXXX. I been trying to resolve this unknown debt from my credit for over 6 months now, and no one has sent any responses. Finally, i got hold of them on the phone today and she said that she will escalate my complaints so it can be removed soon from my Credit report or profile. Can you please look into this? This process shouldn't take more than 30 days to resolve, but mine has taken more than 6 months and no responses.
Product: Debt collection

I spoke with a representative with this company on XX/XX/2023 regarding this account. I informed the representative that I never had a debt with them. Ther representative informed me that I did have a debt with them and I matter well pay it or it would continue to damage my credit if I didn't pay up. I informed the representative to send me a signed contract that I signed with them. The representative said no that will not be happening.
Product: Debt collection

I was hacked or my P.C. was compromised in XX/XX/XXXX. My bank closed all my accounts, and then gave me new checks, new account number and new bank cards. The police told me to cancel all my accounts and asked for new account numbers. I did this and in doing so found out one of my accounts had been scamed for XXXX. I have since received that money back from that account. I also called XXXX and gave them this same information. I have been with XXXX since 2001 and as soon as I got new cards from the bank called and told them of the new accounts. I then listed 4 cards which are on that account and I have been ordering with no problem. Then I get this letter and many phone calls 2 and 3 daily at all hours about an account that was being handled by them to collect from me for XXXX. On the letter to me it says this account was closed. I believe that they ( XXXX ) turned over my old account which was closed due to the Hacking. I do n't know why and I just yesterday talked to Customer service at the XXXX home office and since it was the weekend she suggested that I call and she gave me a number for XXXX Account Specialists on Monday..I had intended on doing that but I would like for these calls to stop. I have no intention of NOT paying I just want to know why XXXX did this with my account and is still letting me buy and I had informed them of the scam. It has been something I never had happen before and I sure have been careful not to put any of my numbers on the internet simply because I do n't trust anyone. I just will not pay this collection agency and if they want to take me to court like they say I have plenty of written proof of what I am telling you today. I am on the verge of closing my account with XXXX after all these years but I wo n't be a party to this TRS agency collection calls. Thanks and if you can help I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XX/XX/2021 in regards to something appearing on my credit that I did not recognize. It stated it was a collection agency for a past due account from XXXX XXXX XXXX  XXXX XXXX. With this dispute I submitted proof of payment to XXXX XXXX XXXX  XXXX XXXX. Within 2 days, they stated they finished their investigation and found this to be correct. That leads me to believe they did not do ANY investigation and did not review the proof I submitted. Experian continues to report illegally on my credit report.
Product: Vehicle loan or lease

I was told by the XXXX XXXX XXXX that I owe for the vehicle when they they allowed me to make payment arrangements and then the next day they came and got the vehicle from where I lived there was a misunderstanding between agents one told me I could wait until that Friday when I got paid They quoted me so much more money after They came and got the vehicle with my personal belongings still in the car. Money was in the car for tolls as well This was a wrongful auto repossession for me. I was paying a note of {$700.00} per month Now I have no vehicle I had made payment arrangements I had to wait until my check posted. 
The vehicle is sold now and they added on a lot of extra fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Security Credit Services Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX and Security Credit Services has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.