23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This is my second time trying to fix a error on my credit report. Experian has a account on my credit report 3 times same account numbers also account XXXX account number XXXX. That is a violation of FCRA please help me fix is error. Enclose is proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX  remove an unverified account that has been placed on my credit report from XXXX XXXX XXXX. I have no agreement with XXXX XXXX XXXX and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed XXXX  and Experian  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a XXXX account previously with XXXX in XXXX and item was removed. Then it reappeared on report in XXXX and I disputed it again. This time it was not removed and it looks like the debt was just incurred but it is actually over 10 years old. This has kept me from obtaining jobs and it is lowering my score.
Product: Debt collection

They call me at work pretty much every single day. When I am not there, they harass my boss asking her to tell them my working hours. She has told them she cant give them my work schedule, yet they persist and ask for it. They are very harassing. When I am at work, I am very very busy as is my boss. These repeated calls are harassing and interrupt my work as well as my co workers. I am getting in trouble because I get calls at work almost every day. I feel I may be close to getting fired for recieving constant calls at work. I have told them not to call me at work, but they continue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a complete discharge of all student loans and interest accrued on my credit report and studentaid.gov account due to breach of privacy and misuse of my educational information and access to unauthorized individuals without my permission. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history. On XXXX, my personal, financial and educational information was accessed without my permission or knowledge of what it is being used for. ln accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records that were improperly accessed by the Doge agency, which is a direct violation of record-keeping or data misuse. 2. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Including a permanent deletion of accessed reported loan amounts or disbursements. I request written confirmation of the findings of this review within 30 days of receipt of this letter.
Product: Debt collection

XXXX  at  XXXX   XXXX   XXXX   XXXX , TX  XXXX  has failed to validate a debt that was discharged in court prior to reporting to credit bureaus. After I noticed this on my reports, I filed a dispute again. They still failed to validate and continued calling me after repeated cease and desists were sent to them. This company failed to report a phone number on my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX this morning and noticed I had a hard inquiry from cash central that I have no knowledge of, this is very much fraudulent activity that I am not responsible for and need it taken off my credit report immediately
Product: Mortgage

My mortgage was at a price that was paid and now the hazard insurance as when up causing the mortgage to go up. From {$480.00} to {$650.00} dollars to be paid over twelve years. I want to sell the house but it needs some work done to it. I am in the process of getting a divorce. Is there something I can apply for that will give me some of the money I paid into the house. I have live there for 7 years and we have a 30 year mortgage.
Product: Checking or savings account

I opened a checking account with Citibank as part of a promotion on XX/XX/XXXX. The promotion offered a {$1000.00} bonus if I maintained a min {$75000.00} balance for 60 days. I funded my account on XX/XX/XXXX and became eligible for the bonus on XX/XX/XXXX. Payment of the bonus was to occur within 30 days of meeting the eligibility requirements on XX/XX/XXXX. 

I called Citibank on XX/XX/XXXX to inquire about the status of the bonus. I was told that I had met the eligibility requirements but that I still needed to submit a W-9 form. This requirement was not included in the terms and conditions of the promotion and was never communicated to me verbally or in writing. I would never have even known about the requirement if I hadn't called to inquire about the status of my bonus. 

I sent my W-9 form on XX/XX/XXXX and called two weeks later to check on the status of my bonus. I was told that it had not been received and that I should send another W-9 form. I requested a fax number, secure email, or physical address so that I could be sure that my W-9 form would be received and processed in a timely manner. I was instead provided with the same po box address to which I had sent my first form. 

I sent my W-9 form again on XX/XX/XXXX and followed up again on XX/XX/XXXX to inquire about the status of the bonus. I was told again that the W-9 form had not been received. I asked again for a secure method by which I could send my W-9 form and was told to send it to the same po box address. Rather than have them lose my documents again, I decided to file this complaint. 

I am of the opinion that the bank is seeking one of two outcomes ; ( 1 ) that new customers forget about the bonus or give up trying to receive it, or ( 2 ) the bank delays the payment of the bonus to such an extent such that they earn enough interest on the min deposit to offset the bonus payment. Either strategy is shameful, disingenuous, misleading, deceptive, and quite possibly illegal. 

I would be glad to provide additional details as need to hold this institution accountable and prevent them form committing the fraud on other unsuspecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a auto loan that was open fraudulently in XXXX under XXXX XXXX XXXX  DEBT OWED {$9900.00}. 
I HAVE MENTIONED THIS ACCOUNT TO EXPERIAN DIRECTLY AND INFORMED THEM THAT I DO NOT OWN THIS ACCOUNT IT WAS OPEN DUE TO IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH OUR STATE ATTORNEY GENERAL I HAVE ALSO FOUND A COMPLAINT WITH THE XXXX XXXX XXXX THAT RESPONDED THEY DID NOT FIND MY NAME IN THE CONSUMER DATABASE WITH THIS COMPANY. This response came directly from XXXX employee name XXXX XXXX letter sent to me via email XX/XX/XXXX. Please contact them for verification of my complaint and their investigation results. My case ID # XXXX. I IMMEDIATELY CONTACTED EXPERIAN VIA USPS MAIL CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. THE RETURN RECEIPT WAS RETURNED TO ME XX/XX/XXXX PLEASE VIEW THE PHOTOS ATTACHED. ALSO I SENT DIRECT DISPUTES TO XXXX XXXX XXXX USPS CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. ALSO RECEIVED THEIR SIGNATURE ON XX/XX/XXXX AND XX/XX/XXXX FROM EMPLOYEE XXXX XXXX CONFIRMING THEY RECEIVED MY MAIL. YET I HAVE NOT RECEIVED ANY RESPONSE BACK FROM THEM.PLEASE VIEW PHOTOS ATTACHED. TO PROVIDE THEM THE POLICE REPORT IDENTITY THEFT REPORT AND OTHER SUPPORTING DOCUMENTS. THIS MATTER HAS BEEN DISPUTED SINCE XXXX. YET IT IS STILL BEING REPORTED ON MY CREDIT FILE. MY RIGHTS INDICATE AS LONG AS I SUBMIT POLICE REPORT AND IDENTITY THEFT REPORT ALL INFORMATION I REPORTED TO THEM ON THIS ACCOUNT WOULD BE BLOCKED. I NEED THEM TO REMOVE THIS ACCOUNT AS IT DOES NOT BELONG TO ME. Police report was filed on XXXX XXXX the report # is XXXX. Please view attachment of police report filed. ALL MY STATEMENTS IN THIS COMPLAINT CAN BE VERIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters regarding inaccurate and unknown items on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within XXXX  days gives reason to immediate removal of those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I have had a debt buyer LVNV Funding add a collection from XXXX XXXX XXXX XXXX report this to XXXX  as a collection but this same collection I added to my FTC report for one of the accounts that was created from identity theft that was blocked from my report adding again same account different debt collector And after I called these people on of there staff told me that because I didn't add the account number on the FTC report that that means it's not that account. After looking over the FTC report that is correct but everything else shows that it was and there trying to use a technicality on my part as a way to bring this account back in the hopes of getting money which will never happen ever! XXXX reports this and they know better than anyone that the account i was referencing on my FTC report is this very account but yet they report it still. I don't know the law to well but I thought after and account was blocked that it was not to be resold to the next debt buyer to continue to damage your reputation and your credit report all over again. Why is this allowed to happen why are these debt buyers not held accountable for finding a back door way to under mind the law they know the account that I brought forward to the FTC to have it removed is the same account they have added to my report again as delinquent and XXXX should have vetted that information to know that it was just blocked for identity theft but they are reporting a crime made against me as my debt it's heart breaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that a hard inquiry hit my credit report. This was unauthorized. XXXX representative provided me with the following info : on XXXXXXXX XXXX, a hard inquiry was placed on my report by Citibank ( CBNA ) and provided me a phone number for Citibank. I called the number an they were unable to give me any information based on me giving them my SSN.
Product: Credit card or prepaid card

AroundXX/XX/2023, I made a payment to the Avant Credit Card, around {$50.00}, or so. When I checked my payment status, I was charged a {$39.00} late or missed payment fee. When I called, they informed me that I had missed a payment. What had happened, I made the payment early. I called to have the late fee removed. It was denied. They told me to email them. I emailed them, they denied it again! I told them to close my account, because I didn't want to associate with a company with no empathy towards their customers. I made my next payment which was around {$65.00}, which was the payment that was due. The next few months my payments went from {$65.00}, to over {$100.00}, to over {$200.00}, and they continued to charge a late fee, even after I had paid them according to the date. When I called again to verify the payment date, the representative never gave me a concrete answer. I have tried various times and calls to correct the matter. They never investigated my inquiries nor returned my calls. I recently told them that I would not make another payment, until they straighten out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My personal financial information was utilized without my permission or knowledge to obtain credit, items, or services on the above-mentioned account. Please release me from this debt and alert credit bureaus and collection agencies. Please consider this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau because I had XXXX fraudulent accounts from XXXX XXXX  they were taking off my credit report because they were proving to be identity theft. XXXX month later they were placed back on my credit trousseau collections account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks
Product: Checking or savings account

Someone committed fraudster activity at an ATM. They were able to ship a new debit card to their address and change the PIN. Chase reviewed it and believes the. Barges are righteous because a PIN was used when actually, the people committing the fraud changes the PIN without my consent or knowledge.
Product: Debt collection

I paid off my {$3000.00} credit card bill completely. Now they're asking for {$6000.00}, which I don't owe them.
Product: Credit card or prepaid card

I receive Government benefits, on XX/XX/XXXX I withdrawal {$300.00} from my actual Bank ATM, XXXX XXXX XXXX XXXX. I was distracted and did not pull my funds from machine in time. Next day waited for bank to have money returned. XXXX XXXX XXXX XXXX wasnt scheduled to audit until Thursday XX/XX/2021, meanwhile they directed me to file claim with Bank of America so that once they receive claim they could refund funds to my account. So I called Bank of America, explained the same above. Received claim number, called to check my balance, which was {$160.00}, was hoping {$300.00} was returned as well. Called few hours later and it stated my card was closed. Spoke to several representatives, XXXX, XXXX, XXXX, XXXX, and XXXX the that hung up on me after I ask to speak to someone over her. Its now day 5 and I explained my hardship of not even being able to buy food nor my medications. Finger pointing for days, which I complied with all suggestions. Spoke to XXXX EDD nothing wrong on their end, verified my identity, sent to Bank of America, my card is Closed/Frozen/Hold/Freeze/temporaryhold. I need my money to survive. My card was not reported stolen, never have I had a problem. The reason for my call was a error done by me, and they froze the remaining funds I had access to, and I am counted amongst XXXX XXXX others cards that are frozen. I am verified, spoke with XXXX and XXXX XXXX let me know they are in fact over by {$300.00}, wanted to give it back but didnt want double jeopardy. So I am in a deeper hardship and Bank of America representative XXXX, hung up on me. My card should have never been frozen. I need my funds. Spoke to so many for 5 days, and I seem to be just XXXX XXXX with the same problem. I need food, medication and low stress levels. I have complied, unfreeze my card.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX  Account number XXXX
Product: Money transfer, virtual currency, or money service

On Sunday XXXX XXXX XXXX I discovered a pending transaction in the amount of {$160.00} from my Direct Express Card which is managed by Comerica Bank I called to report the fraudulent transaction. 
Called and cancelled the card XX/XX/2023 and filed a dispute with Comericas dispute dept. I was told they would send physical questionnaire papers in the mail that needed to be sent back within 10 days. I called back a few days later and was told that I could submit an email instead of waiting on their paper questionaire, which I did with a photo of the explanation letter and screen shots with links to the perpetrators of the fraud. 
On XX/XX/2023 I received a letter saying it was resolved and the money was back on my card. However the card had been cancelled and I was issued a new card, so the money was never transferred to my new card account. They also closed the dispute saying no error occurred. 
On XX/XX/XXXX, I spoke with another dispute agent who said she would get it reopened and expedited and I should have the money on my new card within 3-5 daysit was not. Called back again and was told again it would be expedited and wait 3-5 days. I am still waiting. 
Comerica has only One number to contact them for anything, with hold times of up to and exceeding an hour. They do not offer call backs. This should be an easy fixthe merchant was not foreign, but is located in Utah. I have tried calling he dispute department back, but the call is dropped and I can not get through to them. Please help resolve this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Discrepancies on Credit Report Dear Sir/Madam, I am writing to formally dispute inaccuracies and discrepancies on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of information reported, and I am requesting an immediate correction of the errors detailed below. 
Discrepancies Noted : XXXX. I.C. System, Inc. ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Discrepancy : Incorrectly reported as a collection account on some reports. 
* Details : * XXXX  : Balance {$340.00} ; Payment Status Seriously past due * XXXX  : Balance {$340.00} ; Payment Status Placed for collection * XXXX : Reported as current, no collection status. 
Requested Action : XXXX. Please investigate these discrepancies and provide a detailed explanation for the inconsistencies. 
XXXX. Correct the inaccuracies and update my credit reports to reflect the accurate information. 
XXXX. Send me written confirmation once these corrections have been made. 
I have attached copies of my credit reports from each bureau highlighting the discrepancies for your reference. Please address this matter promptly and in compliance with the FCRA. If further documentation or information is required, please contact me at the above address. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I requested removal of pmi as the balance of my loan was below 20 % of the initial appraisal, as their requirements stated. After which they declined, stating that it was then based off of the loan amount. Now that I am below that threshold I am being told they they belive my property is now worth less and will not remove PMI.
Product: Mortgage

Hello, my name is XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX XXXX Address of property in Question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been dealing with Di Tech ( Mortgage Servicer ) Loan number XXXX I was in the process of a " Deed in Lieu " on this XXXX Property Just recently .. I was in process of having the Deed in lieu approved ( As it was expressed to me ) .. the Title was Clear, the Home was Re-Keyed ( By drilling out the Old lock and new Lock Box and entered XXXX I have NO access ..How was this allowed to proceed .. 
the Cart was before the Horse .. as The XXXX was way above the Norm and I was told that the Deed in Lieu was DENIED .. 
How can ALL of this occur and it be denied? the XXXX was way above the common Comps for that area .. as I understand it was {$170000.00} +/- and I had Too Much Equity, therefore Denied .. I have not been able to pay on this home due to Hardship ( Which Di Tech has All that info ) and have had it for sale for years at a much lower price, just to Break even .. 
After all the Hoops I have had to jump thru, and a very poorly implemented process with very inaccurate guidance ..I do n't understand How this happened I request an " Appeal " of this Denial and make Di Tech act positively to this request. 
I have had a Triple By pass and the Years and last 6 months of stress dealing with this Servicer in attempt to satisfy the needs and process has taken its toll on me Physically. 
my only recourse ( I was told by DiTech ) was to contact XXXX and request another look at this Whole Deed in Lieu and have it resent with Special Approval to reinstate the Deed in Lieu process my Home phone is XXXX home address : XXXX XXXX XXXX XXXX, XXXX XXXX Please review this request and afford me the remedy I need to complete this process in my favor Thanks in advance XXXX XXXX
Product: Mortgage

XXXX XXXX from Carrington mortgage contacted me in reference to refinancing my loanI an currently in forbearance due to COVID-19 XXXX XXXX He said that I owe XXXX in back taxes and this has to be paid before it refinance The only problem ids that because my loan is in default the money can not be taken out got my checking account He gave me an option of putting the money on XXXX Visa cards for XXXX. XXXX. XXXX total XXXX I was told by my bank that this us a scam and did not give him any money He left me several messages trying to pressure me into giving hint the money In his final statement he said that he was going to issue me a legal notice According to Carrington mortgage making a payment with XXXX XXXX is not an option. They would never ask for money upfront and never pressure me for money XXXX XXXX has called me and left several messages which I saved and regarding the XXXX in back taxes He has given me until Monday XX/XX/21 mornings to pay the XXXX with XXXX XXXX card
Product: Debt collection

Radius Global is a 3rd party debt collector who has infringed on my right to privacy as of XX/XX/21 they have manipulated my credit score to fall 26 points, i am requesting for them to produce a contract between me and them that gives them grounds to collect a debt from me. Due to them being a 3rd party debt collector they wont have anything in writing from me, that I know for sure. So I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.