23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XXXX and mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX  XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX  that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....
Product: Mortgage

The loan payment ( Origination XX/XX/XXXX ) was not disclosed properly from the beginning. One of the two taxes that are paid out of escrow were missed ( the City tax was omitted and not disclosed until after the purchase of the home was complete and payments were being made, only the County tax was disclosed. ) The issue is that we purchased the home at our maximum payment ability and after the disclosure of our payment, we decided to agree to the debt ( based on that payment ) and pursued our new home ownership. 

Shortly after moving in we learned our payment would need to go up. This was an extreme hardship on us as we are at our payment limit. Every year, our payment is going up XXXX just received notice from lending institution that my payment is going up again! The letter from said institution is dated XX/XX/XXXX - Effective XX/XX/XXXX XXXX I called " customer service '' as indicated on the " Annual Escrow Account Disclosure Statement and New Mortgage Payment Notification '' letter dated XX/XX/XXXX. 

I called the number and spoke to the Institution 's representative named " XXXX '' around the XXXX of XXXX. She explained the " Escrow '' balance falls below their minimal threshold in XXXX & XXXX therefore my payment would go up to avoid the Escrow shortfall. I asked once the payment goes up again for the 3rd time would this settle the matter and she responded we will likely go through this again this same time next year. I explained our hardship and the mental fatigue of not knowing what our payment will be She said she " would look into the matter and get back with me ''. As of today, XX/XX/XXXX there has been no follow up from anyone. 

Here is my complaint ; We made a life decision to sign a promissory note, a 30 year commitment, based on supposed factual information and a " static and fixed '' loan payment. This is not the case, further, the Institution is charging me interest on this Escrow shortfall which is UNFAIR to me the consumer. The institution did offer me a temporary remedy for this year by demanding I pay {$1600.00} in the next 30 days or my payment will go up. Did the institution not see this coming months ago, indeed, from the inception of the loan so as to give a consumer some time to fund the Escrow shortage AND still make the normal monthly payment? I need this matter resolved.
Product: Credit reporting or other personal consumer reports

Dates XXXX XXXX XXXX Actions- reported to credit bureaus with letters, and was told an investigation was done, sent back letter asking for proof of investigation and didn't receive anything back
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX A collection agent for XXXX XXXX XXXX XXXX  XXXX . 
I was offered a settlement amount of {$5300.00} Paid in 3 Installments ; XXXX {$1700.00} XXXX {$1700.00} and XX/XX/XXXX for {$1700.00}. After my final payment I was to receive a letter stating the debt was paid in full And a XXXX balance due would be indicated on my credit report. 
The day my last installment was processed, XXXX XXXX  recalled my debt from the creditor And went back on the agreement XXXX HAD MADE WITH ME. The agreement made with me, which I have in writing is not being honored and XXXX is only deducted the money I paid to leave a balance of over {$9000.00}. Still owed. 
I sent the letter and the evidence of the installments paid by my bank to EXPERIAN and they updated my file but it does not reflect the agreement made with me by XXXX while working for XXXX. 
Can you please require XXXX to honor the arrangement made with me Thank you f
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here 's the items I am asking you to verify as accurate. 

XXXX : XXXX XXXX XXXXXXXX AmountPaid/Closed. 
XXXX XXXX XXXX XXXX Amount {$12000.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX : XXXX XXXX XXXX XXXXXXXX Amount : Paid in Full XXXX XXXX XXXXXXXX Amount {$1800.00} XXXX XXXX XXXXXXXX AmountPaid/Closed . 
XXXX XXXX XXXX XXXX Amount {$10000.00} Transunion : XXXX XXXX XXXX Amount/Paid/Closed XXXX  XXXX XXXX/Account XXXX Amount {$1700.00} XXXX XXXX XXXXXXXX Amount {$12000.00} XXXX XXXX XXXX XXXX  XXXX Amount {$10000.00} XXXX XXXX XXXX XXXXXXXX Amount/Paid/Closed In accordance with The Fair Credit Reporting Act , Public law 91-506, Title VISection 611.Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 



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

TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...
Product: Debt collection

Safco ( .. ), by giving away private consumer financial information to a third party debt collector, causing to my image in society. 

( XXXX.1 ) -without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney. ). 

,,.. 

I XXXX XXXX know my rights and I call upon,. 
. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.
Product: Bank account or service

I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a CitiGold checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation on XXXX/XXXX/16 ( see below ) that I met the CitiGold XXXX bonus miles promotion and meet the usage requirement and I will get my XXXX XXXX miles before XXXX/XXXX/16. 

I never got a bonus XXXX miles till today XXXX/XXXX/16 and I heard so many terrible complaints through XXXX search that Citi XXXX up and will not honor their XXXX bonus miles promise. 

I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP. 

Thanks so much to protect consumer like me XXXX XXXX XXXX Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/2016 Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold Online Messaging Services. My name is XXXX and I will be more than happy to assist you with the XXXX XXXX miles promotion for checking account ending in XXXX. 

Our records confirm you met all requirements for promotion code XXXX. 

The XXXX bonus miles will be credited by Citibank to your XXXX account XXXX within 90 calendar days from the date when you completed all offer requirements. Please keep in mind this waiting period is standard for all promotions and can not be waived. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle, which will be no later than the end of the XXXX 2016 statement. 

Please note, all promotions will differ and are targeted to specific account holders during specific time frames. If you did not receive this promotion via your Citi credit card statement, personal email, or through U.S mail to your home address you will not qualify for this promotion. 

XXXX XXXX, it was my pleasure providing the incentive information. I hope you have a great rest of the week! 

At Citibank, we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number # XXXX listed above to complete your feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXXXXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from XXXX/XXXX XXXX. I contacted XXXX/XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. Please see the attached documents.
Product: Money transfer, virtual currency, or money service

The PayPal sales and collection service portal has retained our funds, which were obtained from the sale of an event in the month of XXXX and XXXX. 

We began sales on XX/XX/XXXX with its paypal collection system linked to our online ticket sales website called XXXX The event took place on XX/XX/2023, Paypal charged all transactions and froze the money without any explanation. 

Several reports have been raised in their callcenter without giving us a valid or favorable response, and the only solution they present to us is to wait longer for the funds to be released. 

Days after the event, disputes began to appear, which are normal in this type of event, but of the 42 cases in dispute they only represent a small percentage and in which that percentage of money remains in reserve, with no explanation given. 100 % of the funds and those withheld. The total funds withheld are {>= $1,000,000} XXXX We understand this part in that only a percentage is left in reserve to resolve disputes ( {$100000.00} XXXX ) but not the total funds, which are clean and without disputes. 

Even the disputes have no claims by the customer only appeared in our paypal account which are held. 

Our disagreement is because 100 % of our sales are being withheld, which generates uncertainty and problems with our suppliers. 

And as mentioned above, Paypal 's answer is what should we wait and wait for longer. 

In Paypal 's Policies it mentions that the customer has 21 days to mention whether they are satisfied with the sale, and 32 business days have already passed since the first sales transaction and the funds are still being held. 


Another point that can not be accepted is that when I contact their call center, they never have a supervisor or manager to deal with major problems, in addition they cut off the calls and never make a call back, the waiting times for attention. They are getting longer and longer and I feel like I am being blocked by them from being able to connect the call. 

More than 30 calls have been made to their call center, sometimes with friendly people, other times arrogant, others lying that they will release the funds in 5 days, which has never happened, and in general no one solves our problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted debt validate online on XXXX XXXX to capital 1, asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " XXXX XXXX XXXX. '' I have I idea who " XXXX XXXX XXXX '' is. I've made no contracts or agreements with them. 

XXXX XXXX Thank you!!
Product: Credit reporting or other personal consumer reports

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inaccurate Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Phone Numbers : XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I was in an accident and received a citation for a XXXX, XXXX Police impounded my vehicle. I filed a claim with XXXX insurance to resolve the total loss and even offered to have the loss paid directly to the lienholder and would settle my ongoing dispute regarding balance outstanding with the lien holder after. 

On XX/XX/XXXX, Global Lending Services ( GLS ) without notice, " SECURED '' the vehicle and all my belongings in it, including valuable medication. They have refused to cooperate with XXXX to make the vehicle available for inspection. I was unaware until XX/XX/XXXX, when XXXX 's adjuster attempted to inspect the vehicle. Between XX/XX/XXXX, and XX/XX/XXXX, the tracking data on my car keys and the additional tracker in the vehicle has confirmed it has been moved to four different locations to prevent me or XXXX from having access to it. The vendor used by GLS, XXXX XXXX does not respond to phone calls and has yet as of this filing, provided and inventory of my possessions in the vehicle as required by Oregon law. 

I have had a dispute with the dealer of the vehicle as it was a washed title sale that inflated the value of the vehicle by {$5100.00} since it was purchased on XX/XX/XXXX. I informed GLS of my dispute, including documentation as well as the outcome of XXXX XXXX arbitration of the dispute in my favor to recover {$1000.00} of the money I paid directly to the lender, and asserted my rights against them as holder in due course, as permitted in my contract. Under the Fair Credit Reporting Act and the Fair Credit Billing Act, until they complete a proper investigation, that amount and any interest due can not be reported as delinquent or even collected against. 

On XX/XX/XXXX, GLS, delivered a non-responsive letter saying if I didn't make the monthly payment as listed they could report the amount as listed, but did not address the issue of the contract being a fraudulent and deceptive sale. 

On XX/XX/XXXX, right after I called them to demand their cooperation with XXXX and an explanation for their failure to address the investigation of the overinflated sale, GLS issued a default letter for {$730.00}, intending to sell the vehicle without allow inspection or claim adjustment. By doing so, they are hoping to prevent introduction of evidence of its prior salvage history. Unfortunately, A copy of the original XXXX claim to XXXX XXXX remains on file at XXXX XXXX XXXX XXXX and is continuing to be reported in XXXX as well as XXXX XXXX XXXX ' databases as of this complaint.
Product: Credit reporting

I have tried numerous times over the past several months disputing inquiries with credit bureau for inquiries I did not apply for a job or was granted a line of credit with companies who pulled a credit report inquiry. I have also mailed each company directly several times over the past several months and am not getting responses Below is a list of unknown and unauthorized inquiries. 
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 A XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SER XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX was my original student loan servicer. 

Aid advantage and XXXX XXXX have replaced XXXX on my credit report. 

Aid Advantage consolidated my loan in XXXX 

XXXX XXXX is my new loan servicer. 

XXXX used unethical practices to harm student loan borrowers. 

I would like to see those closed inaccurate accounts deleted from all three major credit agencies.