23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Well my identity has been stolen by one of my family members for over 15 years. My social security number has been used several of times and has made my life miserable! I do not if you can find out where the fraud disappeared too then that wold be great! All I can say is when I moved to XXXX  XXXX  to leave XXXX XXXX, I had applied an application to an apartment complex and as they ran my credit check they had seen that there was a bankruptcy report. I sighed and shook my head and first thing that popped into my mind was my father. Some how, some way or another his credit faults fell into my credit and social security number. I couldnt believe it. And there were other things as well on my credit where he tried getting loans out on my social security number. Well I had to explain to the lady that I have never owned a mobile home and that was my fathers! What is so cruel is that we have the same exact name except I am an the XXXX  and He is XXXX. XXXX XXXX XXXX XXXX is me and his is XXXX XXXX XXXX XXXX Long story short I havent took it into consideration. After all that was discovered I asked if I could call my father so maybe he can show you the lease and his signature. All and all he faxed all the necessary paper work to the apartment complex office and it was all resolved. I was just wondering if there was any action to take place? Since it was identity fraud. Thank you and hope to hear from you. I also do not know if who he was dealing with at the time to had put my social in and everything else and for it to show up on my credit and probably affect me for the rest of my living duration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get funding and or credit from different sources online. They all say that they will do what is a soft pull. But then it turns out they make a hard inquiry and it has hurt my score. We are in the middle of a Pandemic here. I think it is unfair that my score is being dragged down because of unauthorized Inquiries.
Product: Credit card or prepaid card

During a dispute regarding a fraudulent charge on my Citi credit card for supposed damages to a rental car, I was given explicit instructions several times regarding how to upload evidence, and specifically how to upload photos of evidence, what format these photos must be in, and how many photos to upload per email. I received a confirmation email that the evidence and photos had been received by Citi. During the escalation of the dispute, I had further conversations with Citi representatives confirming their receipt of evidence and photos. 
I then received and email for the Office of the President, Citi XXXX XXXX XXXX, Stating : We sent you a letter dated XX/XX/2020 requesting that you provide a specific response to the merchants claims. In addition, we explained photographs are not accepted. 
Because we did not receive the requested documentation, we have no further recourse to obtain credit from the merchant through the dispute process. 

This was responding to this complaint : I called Citi on XX/XX/XXXX and spoke to " XXXX '' at XXXX pm. She told me Citi hadn't looked at any of the evidence, that if a merchant " disputes the dispute then it is automatically reversed back to them, and I could appeal the decision by sending in the supplied letter signed and dated ''. EXPRESSLY stated in that letter was to NOT send any documents with the letter, but to send all my documents separately. I asked XXXX why they didn't even look at what I'd sent before making a decision, and why I'd need to re-send documents to the same address I had already sent them to. She put me on hold to speak to a supervisor and came back saying she could " open the documents and see everything, and I did NOT need to re-send anything ''. She told me Citi would be in touch with me if they needed any more information for their investigation. I received an email form Citi on XX/XX/XXXX thanking me again for my submission of the dispute details. 

So, either Citi 's XXXX XXXX XXXX is completely unaware of their own company 's dispute processes, or they are lying to me. I have also written directly to the Office of the President, and am waiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally signed up for the service in XX/XX/XXXX, right away I could not get into the system to authenticate my account. I called the customer service numerous of times, to have this corrected. I called XX/XX/XXXX to have the service canceled. The rep stated that I wasnt charged for XX/XX/XXXX and there shouldnt be an issue. I noticed XX/XX/XXXX that I had not received my refund back and tried to contact them again. I sent numerous of emails through their site, trying to get this issue resolved. When I finally got through, the customer service rep had me on hold for an hour and 40 min only to be transferred and hung up on. I recently notice that I have been getting charged XXXX once a month, but when I call could never get ahold of anyone. I finally get in contact with someone XX/XX/XXXX regarding my refund. I spoke with XXXX, she is supposedly the only floor supervisor in the company. First, she stated the company does not refund money, I told her my issue and she stated that they will refund me one month, I then demanded that I receive a full refund because I canceled in XX/XX/XXXX and the funds were still being taken out of my account. Besides that, their system does not work, I was supposed to be able to use their site to view my credit report. She stated that she will refund me three months and that she could not see XX/XX/XXXX. I stated there should be someone there that can see XX/XX/XXXX and there should also be a way for them to look at my account and see that it could not be used do to their system due to the authentication issue, after about 20 minutes of going back and forth with this lady stated that she could only refund me 90 days back and if I didnt like it I can do the survey and hung up on me. After the survey if you stated that you do not believe you were helped the call is transferred to some that could further help. I was on hold for an additional 20 minutes before I decided to just hang up. I should be refunded a total of {$140.00} because the system never worked, but I only asked for XX/XX/XXXX XX/XX/XXXX {$110.00}, the young lady stated I would only get XXXX and thats all she can do, only to really get an email with a refund of only {$29.00}. The company is scamming consumers out of their money, they are charging for a service that I could never use. I would like my entire refund of {$140.00}, since I was already refunded {$29.00}, I should receive an additional {$110.00}. This company should not be able to conduct business if they can not provide the services they are charging people for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my card XXXX XXXX and asked them to please provide me with documentation that it has been paid. It has been two weeks and they still haven't reported to the credit bureau or sent me any information regarding its been paid. I've reached out to them twice regarding this issue and have gotten nothing in return.
Product: Credit card or prepaid card

Emails regarding my account, that is brand new, were sent to my ex-husband who is not on the account and his contact was not included when I opened the card. Breach of privacy.
Product: Credit reporting or other personal consumer reports

Lexis Nexis, I failed complaint : XXXX My complaint said : Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : https   : //consumer.risk.lexisnexis.comXXXX  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report Your response had a PDF that was NOT attached. 

So, I am again requesting : Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : XXXX XXXX XXXX/consumer  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report
Product: Debt collection

I am writing to formally dispute an account that appears on my credit report, which I believe is fraudulent and inaccurate. The details of the account in question are as follows JPMCB - CARD SERVICE XXXX I recently reviewed my credit report and discovered the presence of the aforementioned account, which I firmly believe is the result of identity theft or fraudulent activity. This account is causing significant damage to my credit score and jeopardizing my financial standing.
Product: Credit card or prepaid card

Hello, I wanted to use my Best Buy credit card on XX/XX/2018 at the Best Buy in XXXX, NY when purchasing a television as I was told I would received a certain discount. However, when I tried to use it they said it had already expired and I need to renew the card. I agreed and for this they called a girl who gave me a form to fill. I did that, and they said that this would be a new card so I would get a 10 % discount. I was more than happy. I had to wait for about an hour to receive approval after which they charged the television on that account. I had that delivered to my house later that week and have payed off the amount. But, in XX/XX/XXXX when I went to make the remaining payment I noticed I was charged for something I did not purchase and it was done in XXXX, NY. I have not purchased it and it was definitely not me as I did not even have the credit card in my possession. I did not receive the card. I called the customer service but they were not helpful. I went to the store in XXXX and spoke with a representative there, letting them know that if someone were to purchase such a big amount, they should have checked the identification for confirmation. The amount I was charged for was {$3000.00}, and the bill i received recently has an additional charge of {$1200.00}. The rep said they would investigate the charges, and I would receive a new credit card later which I did. But after all this time, I just received a letter saying they have completed the investigation and I am responsible for the amount due! 
I fail to understand why I should be paying for something I never purchased. Did the cashier check to see if the credit card was mine? I did not even receive the card when the purchase was made. Please let me know how I can go about this. I am unemployed, and have no reason to purchase something I can not afford. These purchases were not made by me and I have let the company know but they still hold me responsible for the charges. Please help. Thank you.
Product: Mortgage

I was closing the sale of my home and requested a loan payoff from Carrington Mortgage Services. Upon receiving a copy of the payoff I noticed a discrepancy on the amount of a FHA loan modification payoff from the amount listed on the original paperwork from FHA. Carrington Mortgage Services listed the amount as {$4400.00} and not {$3500.00} as stated on the FHA paperwork. I sent a letter to Carrington 's research department on 3 occasions XXXX, XXXX, XXXX asking for documentation to provide proof of the difference. I also included the original paperwork from FHA to show the difference. All 3 occasions I was sent the payoff request and no documentation showing where the difference came from. I started placing calls to Carrington in XXXX asking to speak to a Supervisor or Manager they stated I could not be transferred to a Supervisor or Manger. I then called again 2 days later finally getting a Supervisor who stated they would call me 3 days later, they never called. I called back on XX/XX/2020 and was told that paperwork was sent out with the documents I requested I waited but never received such documents. I called back 3 days and was told again I would not be able to speak to a Supervisor or Manager. I received another letter in XXXX stating they were still researching. On XX/XX/2020 I again placed another call to Carrington not being able to get a Supervisor or Manager but was told I would have to write another letter to the research department. I have requested numerous times documentation of the difference because they have been able to procure any documentation on the higher amount I am requesting a refund of {$890.00}.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I notice an alert on my XXXX account stating that I was denied for a loan/ line of credit. I reached out to the company about this concern they couldnt tell me anything and not to worry because the loan didnt get approved. I had to freeze my credit because that was a major concern to me. Ive never heard of the company or applied for any loan or line of credit. They stated they would mail me some information regarding the matter and they did not. I told the company Barclays Bank that it was indeed on my credit report. I reached out to XXXX twice about this situation and they told me I would need to reach out to XXXX about getting it removed from my credit report
Product: Debt collection

According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount is for {$840.00}.
Product: Debt collection

The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship.
Product: Credit card or prepaid card

Hi! I received a prepaid debit card as a gift in XX/XX/XXXX. I went to the website XXXX on XX/XX/XXXX so I could start the process of using the card. I could get in as First time user. Well, the balance was XXXX. I saw a name on there and a notice that the card was used in XXXX of XXXX and an XXXX claim number. The prepaid customer care or supervisor would not help me. They said I need a receipt. This was a gift card. That was over a year ago, I am not asking for a receipt. That isn't the proper thing to do. I called back and a XXXX gave me a claim number and stated I could fax the front and back of the card and my id to get some help. I tried the fax machine 6 times without getting through. I can not get back into the website to get all the person 's information that stole my card. I know the name is XXXX He and the location was Illinois. XXXX confirmed this. They said they would put a stop to their use of XXXX. I called back again to VISA prepaid on XX/XX/XXXX at XXXX XXXX. to ask for some help. I was told I need a receipt. I am out {$100.00}. Do I have to have the police call the VISA prepaid to arrest that person for stealing {$100.00} from me? I can not seem to get any help through the VISA prepaid people. They are blaming me. They say I need a receipt. Why didn't the person who stole the card need the pin number or the three digit code to use it? And, why don't they call that person to get a copy of the receipt, a copy of the card, the pin number, the three digit code? I have the card. Do they? The responsibility should be on them. I am out {$100.00} dollars and have to defend myself?? Thank you for trying to help me!
Product: Vehicle loan or lease

On XX/XX/2021, I applied for an auto refinance with XXXX XXXX. After providing my information, I was provided quotes from various lenders. I chose to work with iLending because they provided the lowest rate of all lenders ( 3.60 % APR ). I got a call from XXXX XXXX, and as we started talking about my goal for refinancing, I was told that because of my credit score range, the rate I would get was around ~ XXXX, which is higher than the rate advertised on XXXX XXXX. I proceed to tell XXXX XXXX that advertisement of rates that arent available its a deceptive practice and a UDAAP violation. XXXX XXXX then said that none of the quotes provided by XXXX XXXX  is accurate and that iLending does not have a marketing agreement with XXXX XXXX, despite XXXX XXXX clearly doing advertising work on iLendings behalf. Upon closely examining the disclosures provided on XXXX XXXX site, the following stood out : - XXXX XXXX site states you are approved, and proceeds to provide the terms of the loan approval. A reasonable consumer will have the net impression that the terms provided is for the actual loan approval, not just a quote. Yet, upon contacting the lender, the consumer is told that information on XXXX XXXX is not accurate and a different, higher rate is quoted- Under Lender Notes, XXXX XXXX site states the interest rate quoted may be dependent on the model and year of your vehicle. If you did not enter a model year, or if you finance a different vehicle, then your interest rate may change. It clearly does not state that the rate could change because of the credit score, given that XXXX XXXX already obtained the score and shared that information with iLending. Given that XXXX ) iLending knew what my credit score was XXXX ) The vehicle year and model did not change after the application, its hard to believe that XXXX could not provide an accurate quote and prevent consumers to be misled about pricing of their loans XXXX XXXX stated that the call was recorded and therefore the information provided here can be verified by listening to the phone records.
Product: Credit reporting or other personal consumer reports

I have asked Experian many times THE METHOD THEY USE TO " VERIFY '' INFOMATION ON MY CREDIT REPORT IN DETAIL. Experian, you fail to address that issue whatsoever, several time. You failed to answer me within 30 days which is illegal and by law you must remove the following information. 

NOT MY DEBT REMOVE IT : XXXX XXXX .... 
XXXX XXXXXXXX XXXX... 
XXXX XXXX... 
XXXX XXXX .... 
XXXX XXXX XXXX .... 

AND DO THE FOLLOWING BELOW : I dispute your claim and I am requesting validation from your pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

- Provide a breakdown of fees including how you calculated what you claim I owe.

- Provide a copy of my signature on a contract or document that holds me responsible for his alleged debt.

-Cease any credit bureau reporting until debt had been validate by me as required under the FCRA .

- Send me proof that you are licensed to collect debt in my state. Send this information to my address listed enclosed and accept this letter send as my formal debt validation request, which I am allowed under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, Equifax and XXXX  ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit card or prepaid card

Please see my attachment of the letter sent to Capital One three months ago and I still have not received any sort of response from them.
Product: Mortgage

During the pandemic we lost our jobs, Vanderbilt has refused to help in any way available. Last year they paid my property tax without my permission as I do not have an escrow account and that has always been my personal responsibility. They demanded that in full at first then divided it to add to monthly payments. My payments have been applied to late fees first etc. all of the extra added expenses they have put on my account is impossible to catch up on. I asked for a forbarence twice with a denial both times because of no job yet. They filed foreclosure and immediately sent an eviction notice before the court date! I never took out a loan with Vanderbilt to begin with, they assumed my loan from a different company so they should have had all my contact information but instead started calling my neighbors telling them Im late on my mortgage and please tell them to contact us! Thats none of my neighbors business. They make up their rules as they go which is illegal and fraud. I would appreciate it if this company can be investigated as Im sure Im not the only one that has been financially abused by this company
Product: Checking or savings account

On Sunday XX/XX/XXXX I went to the atm at suntrust in XXXX  TN. I made a deposit at the atm that consisted of a {$100.00} check and {$1500.00} in cash. The machine froze up and ate my money and my card was stuck in the slot. So I pulled my card out with a pair of pliers and had to leave. Ive filed 2 claims now and went by the bank on Monday the next day XX/XX/XXXX. I was told Id get an email for temporay credit. Its now day 3 since the event and I still havent received one. So now on Wednesday XX/XX/XXXX I have just left the bank again after speaking with the branch manager. Once again he just made a phone call and I was told the same thing again its going to be 7-10 business days. Thats 2 weeks without the money I needed to pay some things with. This is total bank error and not my fault since the machine glitched on me. I need my money back as soon as possible I hope this will help.