23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We had XXXX XXXX. Due to service issues and consistently inaccurate bills with charges that were not as agreed, we cancelled service. We returned all equipment. In early 2017 we were contacted by a collection agency stating we owed {$140.00} to XXXX XXXX. We disputed this debt as we had not only returned our equipment but we had prepaid for services that were cancelled and not refunded, yet they proceeded to file a collection activity on my credit report. 

We were unable to remedy the situation with XXXX or the collection agency and filed a report with the CFPB in XX/XX/ 2017. The collection agency was unable to verify the debt with XXXX and deleted the error from my credit report. 
Last month I received a call from a new collection agency Southwest credit systems that a debt of {$140.00} from XXXX had been placed with them. I explained this matter was already resolved and XXXX could not produce documentation that it was a valid debt. I told them I was disputing the validity of the debt and of the sequence of events listed above. I asked them to send documentation it was a valid debt. I never heard from them again. Today, I was alerted that they placed a collection on my credit report for {$140.00} due to XXXX. 

Obviously, this debt is not valid and has already been proven as invalid and deleted from my report once. This was explained to south west credit systems yet they proceeded and are damaging my credit. I want the item deleted from my report immediately.
Product: Debt collection

Debt is in the amount of {$960.00} an was Disputed with all  XXXX  credit Bureau's..
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXFL and XXXX AL on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello So my problem is that my credit score was reported down by transunion by XXXX points when it last got updated on the XXXX XXXX even though I paid for my credit card before the payment was even due so like 5days before the actual due date. I am very disappointed and dissatisfied of this service as it is literally affecting my credit history when its not even my fault. I need my points back as I am not facing something bad when I am true from my end. I hope this matter is looked up and I get my score back up again.
Product: Mortgage

In XXXX, I purchased my home and my mortgage was issued by XXXX for XXXX. a HELOC was issued with the purchase for XXXX. I refinanced my home in XXXX, to secure a lower rate on the my mortgage through a company called XXXX for XXXX. see attached. A titled search was not completed during this process and the HELOC was not included in the refinance. In XXXX, XXXX XXXX XXXX was assigned the lien and attempted to collect the Outstanding Principal of {$25000.00}. see attached. I did not have the immediate funds and was forced to file for bankruptcy in XXXX. The lien was again reassigned in XXXX, to XXXX XXXX XXXX XXXX ( XXXX ) which also issued a demand letter for the payment of {$25000.00}. And is currently serviced by Statebridge Company LLC. see attached and also PLEASE refer to CFBP complaint # XXXX and XXXX. In XXXX, I attempted to refinance my home for XXXX, at a rate of 3.75 % with XXXX XXXX to settle this matter and finally put this decade old matter to rest but Statebridge Company LLC would not provide a payoff amount requested by XXXX XXXX underwriting or Attorney XXXX XXXX to which then a refinance could not be completed. 

The reason for this complaint is that I was again forced into a bankruptcy this year due to a scheduled sheriff in XX/XX/XXXX, to stay the sale, On XX/XX/XXXX, I applied for a grant through the Pennsylvania Housing Assistance Fund ( PAHAF ) and was awarded {$31000.00}, which was distributed to Statebridge Company LLC, in XXXX. I have since received two statements from Statebridge company with confusing and inaccurate description of what is owed. My current statement shows that XXXX, is still owed on the principal amount which in my opinion can not be possible. PLEASE HELP ME PUT THIS DECADE OLD MATTER TO REST
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 an email was corresponded between myself and Equifax to resolve the issue at hand. I requested for Equifax to verify information they placed on my consumer report without my permission. I requested for debt validation as their reporting has significantly impacted my livelihood by false reporting and failure to properly investigate accounts like congress has required them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and reporting false information to future creditors. XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

I was notified by XXXX XXXX that I would be doing business with Mr. Cooper/Nationstar mortgage I paid XXXX for XXXX and XXXX mortgage. Then a email XX/XX/2019 that Mr cooper took XXXX and  applied it to insurance without my permission. I notified them to tell them i sent check for insurance myself and they needed to get my Permission to apply money to insurance when im paying it myself. I dont like there tactics they waited until three days before due date to send me the information which i think is very sneaky
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I purchased a refrigerator from American Freight located in XXXX. The total cost of that item was {$2300.00} with tax. There was a finance option available through American First Finance, which is what I signed up for. I enrolled in auto-payment, agreed to pay {$160.00} Biweekly, and paid diligently until today ( XX/XX/XXXX ). Today I decided to check on the status of the payment, and I realized I have thus far paid {$3400.00} and yet still paying for the item I bought. The new total amount of the item is {$8400.00}, and I have no idea when did that happen. I understand there may be some increase in price due to the financing option but I have paid {$1000.00} more than what I signed up for already. What is baffling is, the company wants me to pay {$6000.00} more than the actual price of the item. This is a rip-off of the consumer in broad daylight in the name of a contract. This is an exorbitant amount for nothing, with no justification at all. I do not remember signing this contract at all, if I knew about such hidden claws I would have paid the full amount during the purchase. 

I called American first finance and they offered " settlements '' in which they asked me to pay another {$1300.00}, {$1000.00}, or {$950.00} extra to close the case ( which is in addition to what is already paid i.e $ XXXX {$950.00} ). This is a rip-off of the consumer in the name of a contract, with no warning, and no written communication in between. 

I would like a refund of {$1000.00} and close the case.
Product: Credit card

On the first week of XX/XX/year> I paid in full amount the balance of my Costo CitiCards and sent thru US mail. Apparently, somehow Citi didn't receive it until a few days before the due date. Just before the due date I receive a message ( or telephone call can not remember exactly which ) that Citi has not received my checks. I called Citi, asked them to charge the due amount from XXXX of my bank accounts. At the same time I emphasized that I will stop payment my mailed checks. Citi was paid the amount in full electronically from bank account and I did stop payment for the mailed checks. 
Almost afterward, apparently Citi received my checks and clearly bounced back as my own action of STOP PAYMENT. 
Just afterwards my Citi Credit card was deactivated. 
I called Citi. The gentleman ask me to reapply. I did and rejected. 
On XX/XX/year> I sent a US mail certified letter to Citi to inquire the reason my application has been denied. The following reply received : " The credit privileges on your existing account ( XXXX ) are currently restricted. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : My name is XXXX XXXX XXXX. I currently reside at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My Birthdate is : XX/XX/1979. My Social is : XXXX. 
I have been recently made aware that my credit profile has been marked as me being deceased. 
This is 100 % inaccurate. 

XXXX, Equifax and XXXX have ruined my credit rating and standing by removing my score and listing me as non-scoreable. 
Due to this grave error by your systems, you have caused me irreparable damage to many of the active trade lines that I currently hold. I have well over XXXX XXXX dollars in active credit that you have caused the credit issuers to decrease or close my accounts. 
I have included a copy of my current XXXX XXXX XXXX XXXX billing statement and a copy of my Driver License that shows I am an active customer, paying bills and very much still alive. 
This is a demand to remove the deceased marker off of my credit report at once and restore my XXXX credit score. 

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

I have been submitting letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT, YOU ARE IN DIRECT VIOLATION OF THE FCRA ... .....
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit of my credit report and notice i had fraudulent accounts on my report please remove these account from my report they hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported inaccurate payment history that has resulted in my credit score dropping XXXX points unfairly. I am a single mom of XXXX  with no support from the other parent and this is causing me to have difficulty with preapproval for a mortgage
Product: Mortgage

Started trying to refinance my home for a better rate XXXX of last year with AmeriSave Mortgage The home is appraised for enough for the load amount, my credit is over 700, never late on the current mortgage in the last ten years. Assets are there and have been proven to pay the monthly payments. 

Have had to do two appraisals because they keep asking for more of the same documents each month and not close the loan. 

For eleven months I have sent hundredths of documents that they have asked for. Every month they ask for the same documents, then send me another closing document to sign. But never close. 

Then ask for more documents over and over again for eleven months. 

Have never denied me the loan just keep asking for more documents. 

I have complain to there customer service department with no solution. 

No reason this should take eleven months and still tell me going to close just need more documents. 

I am a single parent and small business owner and I fill like they are not treating me fairly.
Product: Debt collection

My loan was transferred to XXXX XXXX XXXX, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with Ditech Servicing prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is reporting a balance on my credit reports when the debt is paid.
Product: Checking or savings account

Your response to CFPB Complaint ID : XXXX included instructions to call XXXX at XXXX, extension XXXX. I have called multiple times during the hours that she indicates she is available. I left messages asking her to call me back. 

We can not access our account and have been unable to do so for over a year. You refuse to engage us in any substantive conversation and your customer service is not trained to handle a situation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to investigate this bankruptcy thats on My account. I asked that they VERIFY this information whixh they haven't. I sent it certified and notarized. Failure to not verify and or reapond is grounds for deletion. XXXX  has already deleted this. I don't want to have to take this to court but I will if this is not resolved ASAP.
Product: Debt collection

Contacted via VM on XX/XX/2020 by Alliance Recovery from phone number XXXX XXXX XXXX XXXX. When I called back, Mr. XXXX XXXX informed me that there was a fraud case out for me. When I started asking questions, he began growing impatient and hung up. I called back and was hung up on again. Called back a third time and was told by another associate that they have every legal right to keep calling me, despite me asking them not to, until I receive legal documentation. I then started recording a video of me calling them back, where I was cussed out and was told that they were going to use my information to try buying a new home. This is all video recorded and I can provide that information.
Product: Credit reporting or other personal consumer reports

I am complaining on behalf of XXXX, Equifax, XXXX regarding my personal information such as name and address being inaccurately reported on my credit files. I have disputed addresses that I do not recognize on my credit file and have been unable to remove information on my credit file successfully. The correct name that should be reported on my credit file is XXXX XXXX XXXX, and the incorrect names and/ or pronunciations of my name such as ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX should be immediately removed. The correct address that should be reporting on my credit file is : XXXX XXXX XXXX, XXXX, CA XXXX and the addresses incorrectly reporting of : XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX should be removed from my credit file immediately.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from chase informing me that my account would be closed. On XX/XX/XXXX, I went to their branch to ask the bank staff about the reason for closing the account. The bank did not tell me the reason why my account was closed and my account balance will be mailed to me by check within 20 working days. A month later, I still hadn't received a check. I called the chase customer service again, and the customer service told me that I would send a check to me within 7-10 working days, but I still haven't received my refund
Product: Credit card

In regards to the complaint i raised with CFPB Complaint number : XXXX, I requested information on why it took so long to resolve my issue. Rather than responding, the issue was closed because the name change is taken care. 

I've been struggling with 'Citi Bank 's " Useless process of making Customer break their head for all their issues. I'm surprised how could they even survive for so long in the business. 

'Citi Bank 's " customer service representatives incorrectly updated my name in XX/XX/XXXX & I was unable to use my Credit Card in several places until XX/XX/XXXX. When I checked with 'Customer Service representative ' I was told that 'They can not do anything since its not in their hands '. Even after requesting them to escalate the issue ; I was transferred to the 'Escalation Department representative ' who puts me on hold and disconnects the call. This happened more than once. When I connected with Customer service through CHAT, they say, their scope is limited.

Until now, Citi did not take responsibility of their Actions ( I've shared the requested documentations twice once in XX/XX/XXXX & XXXX ). As per their timeline given; I didn't see they have resolved the issue both times until I created a complaint with CFPB. Now, my case was transferred to 'Executive Customer Service team ' Why didn't they show up earlier & also, they said the same message while requesting for why my issues has not been addressed for 6 months. XXXX from Executive customer team mentioned they are not sure on what happened & since they are the highest level for customer service ; there is no higher level where the issue can be escalated. ( When requested on why it took so long & what is Citi going to do about it? ) How can a big Organization treat customers this way & they don't even care of doing their work correctly or treating customers to resolve issues. It looks like, THERE IS NO WAY TO GET ISSUES RESOLVED, IF CITI MAKES A MISTAKE. YOU ALWAYS NEED AN EXTERNAL FIRM ( CFPB ) TO HELP FIX ISSUES. 
This is Insane. Totally Fed up with all their abuses. Both 'Customer Service ' & 'Executive Office ' claims they are the highest level. Is 'Citi Bank ' setting wrong expectation to those people who interacts with customers ( or ) they have a stupid leadership? 

Having shared all the follow up history ( 100 % failed ) to resolve my issues in Complaint number : XXXX ; I did not receive a valid response from either 'Customer Service ' or 'Executive Office '. Why is there a 6 months delay to take action on my request where I've shared all the requested details twice?
Product: Credit card or prepaid card

My Bank of America US Pride Credit Card went MISSING!!! -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX - ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX XXXXXXXX - ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX The listed Creditors with said account numbers above, never ensured that each periodic statement including the information required by section 1637 ( b ) of this title was 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, this information was requested in good faith pursuant to rule 1002 and was never provided by XXXX XXXXXXXX XXXX XXXXXXXX or XXXXXXXX XXXX This is an infringement upon me as a consumer and my rights to privacy. This account is unfair to me, illegal, fraudulent, and is not equitable to me as a consumer and this negative account is harming my mental anguish. Delete this negative account and any late payments from my credit report. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On to XXXX XXXX  I told Experian I just called you guys to go over my credit history because a lot of it has already been paid off the most of the charge cards it's not supposed to be on my credit history is supposed to already be removed. i'm contacting the FTC if you do not remove the majority of my bills that were already paid off in XXXX  and XXXX.