23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Numerous documents have been emailed to BMWFS in regard to payment taken out of my account in error, XXXX on XXXX, an overdraft fee in the amount of 35.00 as well. Its been several weeks since initial documents emailed, they were confirmed received, still no refund issued back. BMWFS reps state the matter is being reviewed/worked on but nothing is actually done. The last rep by the name of XXXX stated she was working on it, requested new documents which she received, still indication of refund ( s ). Please do not mark this as a duplicate, there is additional information contained
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$460.00}.
Product: Debt collection

I am a responsible borrower and have strived to maintain a good payment history. I kindly request that the late payment dates associated with my account be removed from my credit report. The nature of this installment account involves continuous payments, and the late dates inaccurately portray my commitment to fulfilling my financial obligations. 
XXXX XXXX XXXX XXXX XXXXXXXX - PLEASE UPDATE!!! 
XXXX XXXX XXXX XXXXXXXX - PLEASE UPDATE!!! 
I understand the importance of maintaining a positive credit history, and I am committed to resolving any discrepancies on my credit report promptly.
Product: Credit card

Toward end of XXXX, beginning of XXXX I was reviewing my credit report and noticed that my Synchrony account had a closed status. Account was and closed without reason or notification. They were receiving on time payments. When I contacted the company I asked the rep to email me a document stating they were authorized to take this action. The rep placed me on a long hold and claimed to have sent the document but it was never received. I escalated call to supervisor who stated based current status of my credit they made the decision to close my account. I am currently receiving harassing phone calls and emails for payment after they closed the account. This is a violation of the Fair Credit Reporting Act. They accessed my credit report without my authorization, notification and added information to my credit report without my consent.
Product: Credit card

my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.
Product: Money transfer, virtual currency, or money service

I got robbed/scammed for a total of XXXX $ from a person that I have no idea who it is and doing 3 different payments at different times and dates without my knowledge so I tried to explain it to my bank but they couldnt help me
Product: Debt collection

Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Product: Credit reporting or other personal consumer reports

Hello there, I initially sent this message with a previous report but PayPal responded and let me know that their issuing bank Synchrony Bank is the one reporting to the credit bureau. 
A little back story, I opened my PayPal Mastercard credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. On XX/XX/2023 Synchrony Bank/PayPal reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX. 
I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. Today XX/XX/ they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX XXXX XXXX XXXX  Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since Synchrony bank/PayPal is completely incompetent and has refused to do their job. 
My XXXX XXXX XXXX  scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this.

Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in received some letters from XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX # XXXX****, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between FFCC and myself, XXXX A XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX19,XXXX19,XX/XX/XXXX-19,XX/XX/XXXX19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # XXXX
Product: Mortgage

I own a house with Wells Fargo for XXXX years I have a hardship my house got burned down a year ago. and they refuse to help me and went with the process of forclosure and set the sale Date for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Hi CFPB, I 'm writing to you in the hopes that you can help me resolve this issue with Citibank. On XXXX XXXX, 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer of XXXX XXXX XXXX Miles in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. By XX/XX/2016, I fulfilled the terms of the offer. On XXXX XXXX, 2016 at XXXX PST, I called Citi and confirmed that I fulfilled all of the terms and will be receiving my bonus. On XXXX XXXX, 2016 at XXXX, I made a 2nd call to confirm my eligibility and that I have met all the terms. " Yes, you are eligible and have met all of the requirements. Please wait 60-90 days from the day you fulfilled your requirements for your miles to post '', I was told. On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were. " They 're coming, you will receive them no later than 90 days from the time you met your requirements. '' On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were, at which time they informed me that I will not be receiving my bonus because I was not eligible, and that they will start an investigation for me and that I will hear back no later than XXXX/XXXX/16. On XXXX XXXX, 2016 at XXXX PST, after not hearing back on XXXX/XXXX/16 as I was told, I made another call, to which I was told to sit tight until the investigation was finished. On the morning of XXXX XXXX, 2016, I was told by an email that the investigation was complete and that I was not eligible despite what the previous reps have told me. On XXXX/XXXX/16, at XXXX PST, I made a call and asked for a supervisor. The supervisor, XXXX, was very curt in telling me that I was not eligible and should have saved the mailer with the promotional code that I signed up with. This was after me informing him that I called twice in XX/XX/XXXX to confirm my eligibility and thus had no reason to keep the mailer, to which he responded " I do n't know how you deal with your mail but an organized person would keep all of the mail of a promotion. '' Citi has strung me ( and doubtlessly many others, seriously, with the way Citi is treating me, I have no doubt there are tons of people filing a complaint as well ) along for more than 3 months now. I have fulfilled my end of the bargain, and have received multiple assurances that that is the case, it is time that Citibank honors the deal that I signed up for.
Product: Credit reporting or other personal consumer reports

I have been disputing this account for several years. I have asked this company to provide me with any documentation that shows how this loan was obtained and they NEVER send me anything. Only generic documentation about all of their loans. Nothing about me personally. Nothing with my information on it. Nothing showing that the loan is mine or obtained by me. I have been asking for this information for years and they still have yet to provide me with any documentation. I have tried to dispute this through the credit bureau, and they state that the account is verified yet no one is sharing validation of this account. This is frustrating because no one is able to share validation of an account they are claiming was open on-line by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a house in XXXX of 2016 -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both XXXX and Equifax as well as XXXX XXXX XXXX XXXX to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.
Product: Debt collection

Hello Consumer Finance Team! 

Thank you for taking a moment to review my grievance. I wanted to submit a complaint about a Property Management ( PM ) organization in Kentucky called the XXXX owned by XXXX XXXX. They are presently attempting to collect a debt I do not owe through a company called " RentDebt Automated Collections , LLC ''. 

I left my apartment ~5 months ago due to frequent domestic disputes at a neighbor 's residence ( including firearms ). My family left our unit with ~2 months left on our lease because the cops had visited the tenants below us on XXXX occasions. ( I have video footage, but have not yet went after the police report numbers ). At first the PM company tried to relocate us to another unit in the same complex. We did not find that acceptable nor did we feel safe. They were frequently intoxicated with music blaring as well as constant screaming before things escalated to physical fights. 

In any event they are saying we owe them money for moving out of an unsafe living environment. This HAS to be illegal, right? We completed our checkout with an employee named XXXX ( the General Manager ) who said all we owed for was new oven/stovetop drip pans ( which they accepted a check for ). Now, out of nowhere 5 months later we receive a " debt collection '' notice that has no merit. 

Thank you again for your time. Please let me know if you have any questions.
Product: Debt collection

The other issue is that they did not provide enough information to verify the debt. ( Signed Lease Agreement ). It has been more than 30 days since I requested the information. ( XXXX/XXXX/16 ) Debt collection agency ( Pheonix Group ) is attempting to collect on alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax is reporting an account which does not belong to me with XXXX XXXX XXXX for {$66.00}. I have never had an account with this firm. The credit reporting brokers have not removed the account despite my disputing it. THIS CAUSED A Major drop in my credit score rating.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting to my file. this has been an ongoing issue that needs to be resolved asap. all items listed do not follow the FCRA rules. I am a victim of identity theft. none of the accounts listed are mine. please review an remove all listed accounts to help clear my file asap.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check ( # XXXX ) for {$11000.00} to a company I did business with. This company was XXXX of my regular vendors that Ive done business with for many years. On XX/XX/XXXX Wells Fargo bank paid the check. XXXX  years later, XX/XX/XXXX ..I open my Wells Fargo app and find the exact same check ( # XXXX ) from XX/XX/XXXX has been paid AGAIN. I immediately called the bank to have them put stop payment and return this check, since it appears to be an obvious either mistake or fraud on the part of the bank. In return I was told that the check was already paid and they can no longer return it. It didnt sound convincing especially because they give you a different story when you make a deposit and they put a hold on it. Also, he said since this was a Saturday all the other departments were closed and there wasnt anything that he was able to do for me. He asked me to call back on Monday and they would take care of reversing it the check since it was obvious it was some sort of mistake on their end. He told me to give them the reference number of our conversation and theyll be able to help me resolve this issue. Since then, I have called atleast XXXX times and spent an hour and a half each time, getting bumped around from XXXX department to the next and no-one can give me an answer to why a check that was written XXXX  years ago and processed was once again processed even though it was only valid for 90 days from the original date it was written. They declined my claim XXXX  claiming that I authorized this check. Which obviously I did not authorize it XXXX years after it had been paid on XX/XX/XXXX. My check clearly states that its not valid after 90 days and the federal law states it is 180 days and its been almost XXXX  years. ( The date on the check was the same as on the first as it was exactly the same check. There was nothing nothing altered or changed since the check was written almost XXXX  years ago. It was the exact same check that was redeposited and paid again from XXXX years ago. The bank wont tell me where the money went from my account. That account ( recipient ) to whom the original check was written XXXX  years ago has since closed his account and his company in XXXX. I have been to my local branch XXXX times to address the situation with the manager of the branch. She has spent an hours at a time trying to get answers, and she got nowhere with the representatives. Today she spent another hour with them again and they said they reached their final decision and are denying the claim. She is just as confused and shocked as I am. I decided to file a police report. I am going to include the front and the back of the check that was processed twice times XXXX years apart. Also, the correspondence I have with the bank and a copy of the police report.
Product: Vehicle loan or lease

I have tried to reach out to the creditor and no response since XXXX of 2020 for the amount of {$8700.00}. this is causing many difficulties in my credit to purchase things for myself and my family.
Product: Credit card

I was approved for a secured credit card with capital one. I paid the required {$200.00} deposit. I use it for a month and paid balance on the first statement. During the second cycle I use the cars and received a restricted alert. Capital one did not explain the reason or purpose but wanted 3 months of bank statements. I provided them with the statement and I was told the documents failed and my account was closes. They haven't told me a reason. I don't have a closing bill or what happen to my deposit.
Product: Mortgage

The loan modification process took entirely too long. The process should have been resolved after 3-4 months upon completion of " trial payments ''. In fact, through no fault of mine, the process took 8 months, from XX/XX/XXXX through XX/XX/XXXX. During this time, late charges continued to accrue and late payments continued to be reported to the credit agencies. The extended length of time caused further debt and a reduction in my credit score. At no time did I request for the process to be stopped, which is what happened half way through the processing of the modification at the discretion of the mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Debt collection

Due to a hardship lost my job ( was on state aid ) that happened XX/XX/2024 I lost my job and income. The account was charged off. Due to communication with them on loss of income and was not able to repay it. The account was charged off. 
XXXX  XXXX Account number XXXX Now I never received my 1099 for this debt for the charge off. that needs to be investigated. I need this to file my taxes. 

XXXX sold my account to XXXX XXXXXXXX XXXXXXXX XXXX  XXXX upgrade which is now owned by Midland credit management inc. 
Account number XXXX. Company who purchased the debt. After it was charged off. 

They are threating to sue me and take me to court after it was charged off... They keep calling me and Sending mail about suing me. They are trying to collect on debt that was written off. 

They are also stalking my XXXX and viewing my profile. It shows you who views your profile. I did not start work again until XX/XX/2024. I just got my mortgage out of foreclosure. I do not have any money
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit report.