23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I hold a Costco Credit Card with Citi. My Costco membership expired and I do not want to continue as Costco member. Citi now told me, they will close my credit card soon. 

I don't want to lose the credit history on my credit report and also have a decline of the approved credit limit. I am afraid that will hurt my credit score. 

So I asked, whether I can switch to another credit card product of Citi. The agent told me to apply for a new credit card. This doesn't really help me, as I would have to go thru a new credit check, would still lose my old account and the connected history and credit limit. It sounds like, Citi wants to maximise the number of accounts it has, just like XXXX XXXX used to do. 

I also would like to get reimbursed the bonus I have accumulated so far this year on the credit card. This is money I earned and Citi does not want to pay that out.
Product: Debt collection

XXXX XXXX XXXX is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from Speedy Cash who already was paid in full directly. XXXX XXXX needs to be removed from my credit file immediately upon this information. I do not owe XXXX XXXX any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times with no help from Equifax to get proper access to my report. I was told that i have Alerts on my report so i sent In necessary docs to have any and all alerts removed. However, my Equifax continues to mis report information on my file. The bank says that my Equifax file is too large and it has to be compressed because its so large. 

Equifax is obligated by law to make my report accessible and should therefore delete all soft inquiries and anything else that causes my files to be so large that the report is no accessible. 

Furthermore, I am yet disputing this two inquiries that are on my credit file : XXXX XXXX XXXX, XXXX XXXX and these are not authorized by me.
Product: Debt collection

The debt collector has been harassing me with multiple phone calls. Even went the extreme to start calling me on a 2nd phone number. I was interrupted at my work place over and over again. 

The most recent form of harassment was at my personal residence. A person ( not authorized ) or allowed in my secure resident building got into the building with out being buzzed in by me ( personally ) I am the only one that can buzz a person into my building with my cell phone. Apparently a person came to my condo door during the work day and knocked on my condo 's front door. The person tried to had off papers to a friend and that person said I will not accept any paperwork for my friend. Later, I found paperwork on my doorstep. The paperwork was not in an envelope. The person left small claims paperwork on my doorstep, open for any resident to read. This is an invasion of my privacy and I did not authorize a person ( s ) from Atlas to enter my building residence at XXXX XXXX XXXX XXXX. XXXX OR. XXXX ( XXXX XXXX ) I will say again my building is secure ( no doorman ) but we have locks on all doors including the garage doors and entrance through the garage into the lobby. No one is to tress pass or enter the building with out the resident letting a person ( s ) into this building. 

I believe the paperwork left at my door step is a form of harassment friend and to myself and I would like to file an official complaint against Atlas Financial Services.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is reporting a debt with the defense finance and accounting services and the is no debt I have called XXXX and they have verified there is no account
Product: Debt collection

Over the last 5 years, I have attempted to settle this HELOC with HSBC with a single payment, a partial payment lower than what I owe them. The two liens on the house XXXX XXXX is approx. {$410000.00} and the HSBC heloc is with penalties and interest $ XXXX. 
The house is worth about $ XXXX. 
Over and over they sent me back to loss mitigation to create a payment plan for the {$350000.00} Heloc lien which serves me no purpose as there is no equity in the home for me. 
I have written them at least 7 times offering a single payment buyout of the total debt of {$30000.00}, {$20000.00} and {$15000.00} to open a dialogue with them. Nothing. 
All I get is a long loss mitigation form and I'm back to square one. 
They are now moving forward with a forclosure on the house, the home I wanted to retire in.
Product: Debt collection

This company M & M Credit, in direct violation of the FDCPA 15 USC 1692d, has harassed and oppressed me using fraud. By the use of criminal means, they have damaged my reputation as well as my ability to obtain consumer credit, further diminishing my faith in the banking system. They have stolen my identity using my social security number in violation of 42 USC 408. 42 USC Sec. 408 provides that : *Whoever ... ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. '' Theyve failed to remedy this fraud. In violation of 15 USC 1692b and 15 USC 1692c, M & M Credit has communicated with me at a place that is inconvenient. As Ive advised them in writing, that I refuse to pay this fraudulent claim and that I wish no further communication continues between them and I, they are still reporting this claim to credit reporting agencies in direct violation to the law. I have no valid contract with this company, nor do I have a contract with the company they've claimed to assume the debt from. This company has failed to produce either.
Product: Debt collection

I noticed I had a collection debt for a XXXX medical bill, so I called XXXX XXXX XXXXXXXX to dispute and was told by a representative they were not in charge of the collection anymore because of the age of the report, and provided me with a phone number to call a separate business to dispute. I then called the provided number with the intention to set up a payment plan to pay off a debt in order to improve my credit. I have reason to believe I was guided and directed by said person through a fraudulent process with intent to confuse and manipulate me for personal gain/conduct a scam. I have proof identifying the collection agency number I called, as being an anonymous VOIP number, as well as documented proof of attempted transactions to my bank account.
Product: Credit card or prepaid card

Emergecard.com appears to me to be a receiver, for collections purposes, of old/terminated accounts of XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have a separate website at www.emergecard.com, which I have been using for years to make my monthly payment. My XXXX payment is due in 2 days ( XX/XX/XXXX ) and ahve been trying to make daily for more than a week, and their website has been down for every day for that period, disallowing logins, and leaving all its cardholders no option to make their regular monthly payment online. They took the website down with no notice to cardholders to give us the opportunity to mail payments so they would be received in time by their due date. The site " XXXX '' ( XXXX ) shows the status of their website as " XXXX '' which means it has either been put up for sale or is no longer able to be authenticated as owned by the listed/prior owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX  account XXXX. The following unauthorized inquries should be removed as well XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only I have given Experian 30 days to fix all incorrect information on my credit report and it has not been done! I sent certified mail XX/XX/2022. Experian received and signed XX/XX/2022. It has been past 30 days. It is now XXXX XXXX. I submitted the information via certified mail XXXX tracking number XXXX. 

I am now requesting monetary relief and for all the items I have disputed to be removed immediately.
Product: Mortgage

The servicing of my loan was sold to Freedom Mortgage in XXXX 2015 ( from XXXX XXXX XXXX ). From the start I 've had nothing but problems. I did a modification with my original lender XXXX XXXX and was approved in XXXX 2015. All documentation was submitted, notarized and returned to the original lender XXXX XXXX and documents were recorded with my county recorder 's office. After my account was transferred, Freedom mortgage started sending me letters saying my account was in default and that I owed over $ XXXX on my account. Every representative I spoke to had a different story regarding my account. No one seemed to know what was going on. I kept sending in my payments to them every month, even though I was receiving in the mail, default letters, as well as Freedom Mortgage had inspectors coming out to my home as if I did n't live there. My credit report has suffered tremendously because Freedom continues to report that I am late. Freedom has not paid my property taxes and now I have been accessed a late fee on the property taxes. I have a single point of contact who has tried assisting but all I get is I 'm sorry but this takes time to correct. I recently found out from a Manager that a " Stop Code '' was placed on my account which means all work on my account should stop, but no one knows why this was placed on the account. The manager I spoke to informed me that this should n't be on my account. Each time I call Freedom they reference that I just went through a modification with them, which I have n't. My modification was done with XXXX XXXX XXXX in XXXX 2015, and approved and completed in XXXX 2015. To this date, Freedom mortgage, still has not updated my account to reflect that I am current, nor have they paid my property taxes. I 've also sent in a copy of my property taxes via fax and no one from the tax department has bothered to acknowledge that they received, or if they are working on getting that paid. I have had to deal with some of the rudest customer care representatives ( XXXX was the worse ). I would like someone to get this issue straightened out sooner rather than later. This has been the worse experience and has added a lot of stress to my life. After working hard to build my credit to purchase a home, this situation has affected my credit score and hinders me from being able to make other purchases. The lack of communication between departments at Freedom Mortgage is unbelievable and the difficulty to reach someone who knows anything about my account is beyond frustrating. If things were getting updated on my account, I would feel a little more at ease, but the fact that nothing has changed since XXXX, leads me to believe that no one is working on getting the issue resolved. I feel as if I 'm getting the run around and only being told they are working on this to pacify me at the moment. Whenever this is corrected my first course of action is to refinance with another company.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Credit reporting or other personal consumer reports

I contacted Equifax to get a copy of my consumer report online. The online service says i can't view it and I need to call Equifax for more information. I started this process on XX/XX/XXXX. 

I was told there was an issue and this would be escalated to their Tier 2 department, and it would take 710 business days. I also asked that a copy be mailed to me just in case it takes longer. 

I called back 2 weeks later as I received nothing in the mail and nothing online. I was told the case was escalated incorrectly and would have to be escalated again. I asked to speak to a member of this team and there is no way for their internal teams to communicate with each other, so i will have to just wait. Additionally, I asked for another copy to be mailed to me. 

I called back again in XXXX, as i still never received anything and was told the same thing again. I asked to speak to a manager who assured me he would take care of the issue but it would need to be escalated again and he also has no contact with the other team that would be handling the case. 
-Far as the mailed report I was told they have my address wrong which is why i've never gotten the mailed report. To have any inaccurate information on my credit report is a violation of the FCRA. 

Here i am XXXX XXXX and still having the same issues. I've called again today only to have the same information told to me. I'm not patiently waiting any longer for something is my RIGHT to have access to. 

Case numbers i've been given at all individual calls : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

ON XX/XX/XXXX XXXX XXXX WAS SENT CERTIFIED MAIL RETURN RECEIPT WHICH THEY RECEIVED AND SIGNED FOR, THE COMMUNIQUE CONTAINED INFORMATION THAT A XXXX SINGLE PAYMENT WAS ENROUTE TO PAY A PERSONAL LOAN AND A DIRECTIVE ON HOW TO APPLY THE XXXX PAYMENT ' .THE DIRECTIVE BY BORROWER WANTED XXXX PRE PAYMENT APPLIED BY MONTHS TAKEN OUT OF THE XXXX .THE ACCOUNT WOULD THEN BE PAID THRU XX/XX/2020.4 CALLS HAVE BEEN MADE TO 3 DIFFERENT REPRESEANTIVES IN THE LAST WEEK ON RECORDED LINE BY ME OR MY SPOUSE WHO IS AUTHORIZED O SPEAK ON MY ACCOUNT, THE REPS NAMES WERE XXXX, XXXX AND XXXX.EVEN THOUGH XXXX XXXX ACKNWLEDGED THEY WOULD BE APPLYING PER BORROWER DIRECTIVE BAILEY STATED FOR THERE OWN INTERNAL RECORDS BORROWER WILL BE AND IS NOW PAID THRU ACCOUNT XX/XX/2020. NO WHERE WILL BORROWER HAVE PROOF OR ACCOUNT REFLECT DIRECTIVE ' THE WEBSITE INFORMATION WILL UPDATE MONTHLY TO NEXT DO DATE, BORROWER FEELS THIS IS WRONG AND SHOULD BE PROVIDED WRITTEN ASSURANCES AND ACCURATE ACCOUNT INFORMATION ONLINE. IN THE EVENT SOMETHING WERE TO HAPPEN TO BORROWER, TO THE ARBITRARY, LEGAL EYE, WHICH ALL THAT MATTERS, XXXX XXXX WANTS ME TO RELY ON THEIR ASSURANCES ACCOUNT IS PAID THRUXX/XX/2020 REGARDLESS OF WHAT THE STATEMENTS OR WEBSITE READS, UNDERSTANDABLY NOT COMFORTABLE WITH THAT FOR THE OVBVIOUS REASONS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account thats misleading and inaccurate. 

Company Name : Vance & Huffman LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone Number : XXXX Account Number : XXXX Amount Claimed to owed : {$1900.00} This account listed on my credit report I have no acknowledgment of the Agency. I never received any funding from this company to owe such debt. I filed a report with the Federal Trade Commission and I also filed an Affidavit. Im requesting ORIGINAL PURCHASE AGREEMENT Signed Contract Agreement. This Unverified account remains open on my report which is a violation of my consumer rights. Im demanding that this account be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.
Product: Credit card or prepaid card

My issue started when I made my {$930.00} rent payment for the month of XX/2016 using my XXXXX The payment went through and I received my confirmation number. A few days later I went in to check my balance and found that the payment appeared to post multiple times to my account, placing my account in a negative balance. Upon verifying the payment amount with my property manager, I immediately submitted a dispute with XXXX to resolve the matter. I submitted documentation from the property manager to XXXX to support the dispute. During this time, my child support deposit for for {$950.00} in XXXX was held ( due to the " negative '' balance ) pending the dispute. The dispute was subsequently approved and the rent payment was reversed from my property manager and I was issued a credit for amount paid in rent, which should have cleared the account to a zero negative balance and releasing my XXXX XXXX XXXX deposit. I have yet tor receive my XXXX deposit. I have been give a runaround for months, even being asked to send in a written request to release the deposit and to also reopen the dispute twice to no resolve. I have requested more than 10 times to get confirmation of the events that are taking place to resolve the matter and also get transaction statements. I have been unsuccessful in each attempt. Each time I call the customer service line to get an update a fee is added to the account. The customer service representatives never know what is going on and I have to explain the issue again every call. I have been told various timeframes in which I will receive my {$950.00} credit, but the credit never gets released. The issue has been " escalated to management '' several times. I am now in my 10th month of waiting on my money to be returned. Please help.