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

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XXXX Balance : {$3400.00}
Product: Checking or savings account

On XX/XX/2021 around XXXX am I went to an ATM belonging to First Bank of Puerto Rico. I tried to withdraw {$200.00}. The ATM didn't dispense the money. I called immediately to the XXXX of the ATM and he told me that I have to call the bank. I called First Bank of Puerto Rico and the person who received the call told me that I have to wait XXXX hours before I present a complain. After XXXX hours I called the bank and XXXX XXXX XXXX help me with the complaint. The number is XXXX. She told me that I have to wait XXXX labors day ( until XX/XX/XXXX ) in order receive a notification if the complaint proceed. After XXXX labors days I called and they told me that I have to wait until XX/XX/XXXX because the complaint was closed on XX/XX/XXXX and reopen in XX/XX/XXXX without any reason why it was closed and reopened. And I have to wait until XX/XX/XXXX ( for a new XXXX labors day ) for a response. XXXX XXXX XXXX gave me the new number for the complaint ( XXXX ). In XX/XX/XXXX, I called the bank and they told me that the complaint was denied. XXXX XXXX XXXX assisted me in the information. I went to the bank in person and they told that I have to present a written document explaining the situation and present a reconsideration of the denial. It was process on XX/XX/XXXX. Until Friday XXXX XXXX the bank have not respond to my complaints and I have received my {$200.00} that ATM didn't dispense. The bank didn't present me with a photo or a video that proof that the money was dispensed. I need you help with this. Thank you.
Product: Mortgage

Do to Covid both my wife and I were furloughed from our jobs at the same time. My wife returned 8 months later but my position was lost. We reached out to our mortgage company and were put on a forbodence plan. Last month a realtor stoped by my home and wanted to know if I wanted to sell my house because it was on the foreclosure sale list. That was on XXXX. That is how I found out that I was in foreclosure, I didnt get notified by the bank or the attorney until days later. And that was not even done by certified mail it was just by regular mail. I contacted midland mortgage on XXXX I was told that there were a few motifacation programs that I may qualify for I started the process that day on the phone with XXXX badge number XXXX. I was told that all foreclosure procedures would be stopped during the review process. He said that I would get a conformation letter stating that which I did receive. As of today my home is still on the auction list for XX/XX/2022. At this point I am back to work and am able to make payments as per my mortgage agreement. I explained that to my mortgage company and even offered to start paying my payment at which point I was told not to do that at this time.
Product: Debt collection

On XX/XX/2022 my car was stolen by a man claiming to have a repo order from ac autopay for my vehicle. He was abusive and threatening and said XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I called police. The police forced me to let him to take my car. They refused to let me get my things out as well, including my XXXX XXXX  jewelry and last will and testament, stating I would need to wait on the notice I'd receive after the repossession. I of course never received anything from them. 
I don't owe ac autopay money and they never had a security interest in my car let alone a valid ( or invalid for that matter ) lien on my title. They are an aggregator that my husband tried to use for a refinance. However, they sent the wrong payoff amount, charged sales tax stating he purchased the car from them when he didn't, and failed to remove my name from the title to complete title work and the lender closed the account and reported it as paid in full on my husband 's credit report in XX/XX/2022. The contract has no account info, is dated over a month before they said they completed paperwork, listed it as a sale including illegally charging sales tax, again they never took me off the title while i had nothing to do with the loan, and THE CONTRACT WAS NOT WITH AUTOPAY BUT WITH A CREDIT UNIION. The lender closed the account because it wasn't a valid contract. 
We were told by autopay rep that they don't repo cars and we were asking the wrong people where my car is. We have no idea where it is or where our belongings are. We've heard nothing from anyone about any of it. 
They stole my car. I have verified who the lienholder is and it is listed as the original lender, who did not repossess the car, as we no longer owe them money. They reported the repo on his credit report and we disputed it as fraud and transunion investigated and deleted it from his file. 
As of today I have had to almost 2 months without a vehicle for my family of XXXX, while my car was illegally taken by people who had no right to it. My mothers jewelry was stolen and no one will tell us anything.
Product: Credit card or prepaid card

Capital one Authorize some one to get a credit card under there name on my account. With out me knowing
Product: Mortgage

My late mother had a mortgage on her home ; she passed away in XX/XX/2018 and I have inherited the home, where I live. I have corresponded both in writing and on the telephone with the lender, Chase Mortgage, about assuming the loan under the provisions of the Garn-St Germain Depository Institutions Act. I get nothing from Chase but form letters saying the mortgage is not assumable, even after citing Garn-St. Germain to them. On hour-long telephone calls, I talk to several different people who, like automatons parrot " the loan is not assumable '', " the loan is not assumable '', even when I quote Garn-Ste Germain to them. No one will even admit Garn-St Germain exists, no one will tell me why the loan is not assumable. I just get stone-walled. 

I have been paying the mortgage under my mother 's name and SSN, so have lost out on any claim for mortgage interest tax deduction. I have had it with Chase Mortgage and intend to pay off the mortgage just to get shed of having to deal with this no-customer service organization. A big raspberry to Chase Mortgage ...
Product: Debt collection

On or about XXXX amsher collection services put on my consumer report stating I owe them XXXX debt that they purchased from XXXX in a attempt to collect account numbers XXXX thats come from identity, theft fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020. XXXX XXXX XXXX of XXXX ME took a credit report on me. Their bank also left 2 messages on my phones. I have no business with this bank. I called a corporate center, and they could give me no information on this. I believe someone is trying to use my credit rating illegally
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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 card

On XX/XX/XXXX we contacted XXXX repair services to diagnose & repair refrigerator problem. We had to pre authorize payment prior to repairman visit in the event that it was not a warranty repair. The repairman came XX/XX/XXXX & replaced the compressor which should have been under warranty. We were never given an estimate prior to replacing the compressor nor were we given a statement of what was repaired or a charge for repair. To date we STILL have not received any type of statement & have no idea why we were charged {$480.00} by XXXX. XXXX added the charge to our credit card on XX/XX/XXXX, a week after the repair & we first discovered this charge after receiving our credit card statement on XX/XX/XXXX.
Product: Debt collection

I am writing to express my dissatisfaction regarding fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX  ) , ( Account : XXXX  ) and XXXX XXXX ( Account : XXXX  ) were opened without my consent, causing financial and emotional distress.
Product: Credit reporting or other personal consumer reports

Since you wont provide the names of the XXXX XXXX employees that submitted the fake account application on XXXX please forward a copy of my Experian Collections file from each of your three FCRA compliant platforms. This will include the database where your provide cash/account balances.
Product: Checking or savings account

My name is XXXX XXXX, I have a CITI Bank checking and savings account. My Father, XXXX XXXX, and Mother, XXXX XXXX, have a joint checking account with me. On XX/XX/year>, My Mom and Dad have deposited two personal checks, each of {$50000.00} at the CITI bank ATM with their debit card. They received the fund availability letter ( attached ) from Citi Bank that the funds will be available on XX/XX/year>. However, on XX/XX/XXXX, I checked my Citi online banking and my Checking and Savings accounts had all disappeared and I could not see any of my statements and transaction history. My dad and mom 's online account shows the checking accounts have been blocked. My parents are XXXX  and have a XXXX, and that money is all their savings and is used for their medical emergency purposes. My mom right now is extremely worried cause her XXXX XXXX XXXX XXXX XXXX. It is unethical that CITI Bank blocked and closed the accounts without any reason and kept all the money without paying any interest. The money my parents saved in CITI bank is in urgent use and please refund us ASAP. Otherwise, if my parents go into hospital due to this incident all the medical expenses and suffering will be counted on CITI Bank. Since we have not done anything wrong. We demand that CITI Bank refund all our account balances ( around {$100000.00} ) with interest and give us the ability to access online statements as we need to check that all the previous transactions were correct.
Product: Credit reporting or other personal consumer reports

I never authorized these inquiries, please have them removed. 

XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Important dates XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently listed on my credit report. There is incorrect information that I would like to have removed as it does not reflect my true credit history. A dispute letter has been sent via certified mail requesting the information be deleted as it is reporting inaccurate dates the accounts was opened and some of the accounts have been paid and is reporting that they have not, receipts have been attached. 

Under 15 U.S. Code 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy of the information they provide in consumer reports. 

Also, under 15 U.S. Code 1681i ( a ) ( 5 ) is another provision of the Fair Credit Reporting Act ( FCRA ) that deals with the procedures for the reinvestigation of disputed information by consumer reporting agencies. 

Please delete inaccurate information from these accounts listed below : XXXX. XXXX XXXX ( XXXX ) - account have been paid as well XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having so many issues with American Express to get my past due reporting fixed.. My closed Gold card was reporting past due XXXX XX/XX/XXXX 60 days XX/XX/XXXX because of past due fees and finance charges, I thought I paid my account in full but later received a letter that the fees had been waived. I called to check on the reporting around XX/XX/XXXX and the person told me that the past due reporting had been removed due to the nature of the balance. I recently reviewed my credit report and the past due history continues to report. I called a couple weeks ago and the agents were less than useful, for people working for one of the best credit card companies, they did not know what they were doing. They kept telling me that they don't have records of the reporting past XXXX, but if you're reporting the information to the bureaus you need to keep records of the information. The " supervisor '' told me that a case would be opened to have the information reviewed but when I called back today, the agent wasn't able to provide any case information ( this agent was great btw, not a lot he could do to help ). As much as I love my Platinum card, the service I receive is not what you'd expect for a {$600.00} XXXX. All I need is for the information to be updated like I was promised by the agent I talked to a few years ago. If there is no record of the call where I was given incorrect information and then it should be removed because of poor record keeping. It's ridiculous that for a company like American Express, there are so many hoops to jump through just to get information about my credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order on XXXX XXXX 's website number XXXX for an XXXX XXXX mini, overnight shipping, and two years of service. I was charged {$1000.00} to my Citibank credit card. I requested cancellation of XXXX XXXX order XXXX on XX/XX/XXXX via online support chat prior to my order being shipped. The XXXX XXXX support agent during that conversation, XXXX XXXX, claimed to have cancelled the order and told me my money was refunded already. This was not true, because it took over 3 other support conversations to learn that my order was in fact NOT properly cancelled. 

After not receiving my money back on XX/XX/XXXX, I filed a dispute claim for " cancelled goods '' on XXXX website. After many cycles of back and forth and various support agents telling me my refund was approved and I will get my money, Citibank ultimately refused the dispute because I was unable to provide email evidence from XXXX XXXX of the cancelled order. 
I have repeatedly asked XXXX XXXX for email evidence for this purpose and was denied, with XXXX XXXX support agent 's claiming that there is no way to get email proof of order cancellation and the only way is to interact with them is via online chat or by phone call. I was also unable to use XXXX XXXX XXXX website order status because it shown my order as incomplete/indeterminate status, which was insufficient for Citibank. 

After 90 days back and forth being told to " wait two weeks '' by various XXXX XXXX support agents, Citibank closed my dispute citing it was outside of the XXXX dispute window and that the charge is final. 

During this time, I have over 10 conversations with various support agents at XXXX XXXX and written documentation from XXXX - XXXX XXXX XXXX Social Media escalation representative. At this point, I am no longer able to mitigate this directly with XXXX XXXX, because XXXX has passed this information onto me indicating that XXXX XXXX will not return my money. " Alright, I have received the department 's response. Upon further and deeper review, I confirmed with them that this order XXXX has a chargeback. Therefore, we are unable to further assist with a refund due to this. If possible, please confirm this with your bank as once a chargeback for an order is made, we are unable to process a refund. XXXX. ". 

It has been 156 days and I still have never received my {$1000.00}. Citibank refuses to return my payment. 

I believe XXXX XXXX has fraudulently and willfully impeded my chargeback despite their agents claiming to approve my refund, and intentionally prevented me from having the documentation I needed from them to process a chargeback with my bank. I have multiple chat logs explicitly requesting this information. 

I have bank statements showing that my money can no longer be returned by Citibank and I am prepared to file my case in PA XXXX XXXX XXXX for XXXX XXXX, District XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a credit card account on my credit report that I did n't recognize as one that I ever had. It is reported as a Charge Off and is seriously affecting my ability to get credit. 

I sent Bank of America a letter requesting validation of this debt on XX/XX/XXXX and I received no response. I also pulled a copy of my credit report on XX/XX/XXXX, 31 days after they signed for my first letter. They had failed to mark any of the bureau reports " disputed '' as they are required to do by the Fair Credit Reporting Act. 
I sent a second letter on XX/XX/XXXX requesting validation again and reminding them of their responsibilities, this was signed for on XX/XX/XXXX. I still have not heard back from them about this. All of these documents, including the letters, bureau reports from XX/XX/XXXX and proof of delivery will be attached in step 3. 

They have not responded since, this is unfair that they can just put this item on my reports and they are violating the law by not reporting that I have disputed this information.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

Midland credit Management is after XXXX for Asset Acceptance LLC who is trying to collect this for an XXXX XXXX XXXX and I tried to find this on all web sites and there is nothing their for me to verify this debt I feel it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and ruining my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on at the earliest opportunity. I generously demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the precision and trustworthiness of my credit record so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit card

I have communicated multiple times with them and the havent send me my request for debt validation showing my signature my self opening that account or that I did any transaction with my signature. Picture its from my last interaction with this company that I have proven they dont have my phone number their base because the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of the unverifiable accounts found on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXXXXXXXXXXXXXXXXXXXXXXX Balance : {$450.00} ; DEPT OF EDXXXXXXXXXXXXXXXXXXXXXXXXX Balance : {$930.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00} ;