23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received a higher estimate for taxes than was listed on our tax bill, bringing about an increase of {$600.00} per month in our monthly payments. This was pointed out with documentation and we simply asked on XX/XX/XXXX for someone to review and confirm the correct amount. We have sent several follow up emails since, and when we call loan servicing they put you on hold for a few minutes before asking you to leave a voicemail. No one has returned our calls after at least 3 messages, and we recently got a call only following up on XXXX payment on XX/XX/XXXX ( which we ended up paying at the higher amount on XX/XX/XXXX after waiting to hear back about the tax issue ). On the call on XX/XX/XXXX we mentioned the tax issue, but were told it was still being reviewed and they would mark it as urgent, but no one got back to us still. We are beyond frustrated that it has been almost 2 months without feedback on our issue, and we can't afford the higher amount longterm.
Product: Credit card

Citibank closed XXXX store specific credit cards ( XXXX XXXX XXXX Best Buy ), XXXX Citi Simplicity credit card and XXXX XXXX XXXX ( Authorized user ) without any notice and XXXX different agents refused to provide me with any information as to why all of my Citi cards had been closed on the same day XX/XX/2023. One agent went as far as telling me to call XXXX if I wanted more information. A second agent referred me to a letter in my document center that I was also not notified about that stated for me not to call Citi and they will not provide any additional information. I called and a second agent told me the bank decided to close all of my accounts and refused to give any additional information. I was then transferred to another agent who stated they were all closed due to fraud risk, but I have never reported any fraud on any of the credit accounts. Not a single person at Citi provided me with any additional information and then insinuated that I am the fraud risk even all of the accounts are over XXXX XXXX XXXX, no fraud has ever been reported, there is no unusual activity, the accounts have never been past due 30 days or greater and are all current with possibly XXXX returned payments between all accounts during the life of all the accounts. No one would answer any of my questions, refused to transfer me to a XXXX and would not document my complaint. When my mother, the primary XXXX XXXX account holder called, they gave her a completely different story than what was explained to me and the agent released my financial information to my mother, which completely violates my privacy. A final agent I spoke with advised me to write a letter ( attached for reference ) to Citi requesting my accounts be reopened and that would 100 % guarantee the issue would be resolved and the accounts be reopened, which left me extremely skeptical and untrustworthy of the agent and the information provided. All I have received from Citi is deception, lies, privacy invasions and complete disrespect. I have done nothing wrong, I have made all payments and I have been treated like a criminal that is not being told what the alleged reasons are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax hack that occurred in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2017 and widely reported on X/X/17. I have used the site Equifax set up to identify if your information was compromised ( that 's www.equifaxsecurity2017.com ) and was given a message that confirmed my personal details may have been leaked. I am using Equifax 's complimentary ID theft detection offered through said website via XXXX, and have already put a 90-day fraud alert on my credit reports. That said, the fact that this data breach happened at all is a company wide failure, and further action should be taken by CFPB to ensure higher protection standards for personal information and a clear account of how this happened.
Product: Debt collection

Hello, I received a debt collection letter from XXXX XXXX Account Management for the amount of {$690.00} I have receipt from company showing XXXX balance. I sent a certified verification of debt letter on XX/XX/2023 with no response. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. There also no notice of dispute listed on my credit report just the debt owed which is a {$1000.00} fine for each offense Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute Consumer Protection Not only is BAM violating the law but the credit bureaus are as well XXXX, XXXX, XXXX. 

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

Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor XXXX XXXX be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( XXXX XXXX ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of information.
Product: Vehicle loan or lease

The vehicle was given up as a voluntary repossession after the transmission gave out and the dealership refused to cover it under an extended warranty we paid for. After repossession the auctioned off the vehicle and initially removed this amount from the remaining balance of the loan. After multiple years of trying to work out a deal, they removed all liability from the primary account holder and reinstated the full unpaid amount back onto my credit report, as if they had never auctioned the vehicle off at all.
Product: Student loan

Navient is steered me to higher-cost repayment plans several times without notifying me ... I have been paying alot and hardly made a dent ... something is not right ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/XXXX, I received a free copy of my credit report on www. XXXX Macy 's is listing that none of my payments have been received on my account from XX/XX/XXXX until present XX/XX/XXXX. In addition my account has a code as AID. 
I am not sure what this CODE AID means but I have never missed a payment. 
Macy 's may be listing me as deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX MN XXXX XXXX XXXX TX Navy Federal FCU placed 2 inquiries instead of 1 XX/XX/2017 Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call Experian to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at Experian is on speaker and also my moms phone is on speaker and Experian states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.
Product: Credit reporting or other personal consumer reports

I am requesting to you as a valued customer and a responsible borrower, seeking your understanding and assistance regarding a late payment that occurred on XXXX on my account with XXXX. 
XXXX XXXX XXXX XXXXXXXX Balance : {$130000.00}
Product: Checking or savings account

My account was hacked. I went to the bank and let the know. The refunded my funds the XXXX my account off. I'm a XXXX veteran and I'm not sure what to do. I got no warning. 
Now I'm not sure I can open another. I also have a safety deposit box with them and I want what is in that box returned. XXXX XXXX XXXX XXXX. Right before my birthday. They told me I can't do anything.
Product: Money transfer, virtual currency, or money service

I had {$500.00} in my XXXX XXXX  balance and I instantly deposited it from XXXX XXXX to Dave banking on XX/XX/XXXX and the money never reached me. Ive been trying every single day to try to locate these funds with both companies and XXXX is saying it was successful and my bank is saying they declined the funds from coming in.
Product: Credit reporting or other personal consumer reports

Letter submitted to XXXX Transunion XXXX XXXX in XX/XX/year>. Again thru their portals. Each bureau is reporting charge offs, past dues & balances owed on discharged accounts. Nor do they have comments and remarks in comment section " dischaged ''. These errors are keeping me from getting a fresh start and being denied credit. It's against bankruptcy laws.
Product: Credit reporting or other personal consumer reports

Unable to follow regulations time and time again be advised all debts are obligations of the United States and not me and I need to see some evidence of concent to use and trade and profit of my Trademarked name do you have a contract with me Im opting out permanently and any future use of my private personal information is a {>= $1,000,000} per incident fine is any data is furnished or sold or anything you do not have concent and will aggressively pursue remedy my fees are set and any credit denial that is attributed to data you furnished is {>= $1,000,000} fine per incident period if you continue to use my data you agree to my terms and fines and will pay without question as I XXXX or simply leave my data and trademark out of your system and all XXXX or any derogatory incorrect info is also {>= $1,000,000} fine per incident without cap
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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: Debt collection

Third party debt collector is committing mail fraud and extortion by not providing verified and validated information with collections activities.
Product: Credit reporting or other personal consumer reports

I've noticed that an amount owed on my credit record appears, disappears, then reappears without explanation. This has happened several times, which is really irritating because I am actively striving to improve my credit. I have not received any communication from the company about these changes. It appears that there are reporting problems or delays in updates, which is making it harder for me to track my progress and handle my credit difficulties. I'd appreciate it if you could look into this situation and let me know how to proceed.
Product: Debt collection

Its been years that I have been going back and forth with portfolio recovery over this account. They are damaging my credit file and its been hard for me to obtain credit because of this account. This time I am exercising my federal rights as a consumer. The documents enclosed will show proof that this company been in violation. 
1. They are violating my privacy according to 5 USC 552a.

2. I marked up where they state that I owed the debt, they are in violation of 15 USC 1692b ( 2 ) 3. They use their LOGO that I highlighted they are in violation of 15 USC1692 ( 5 ) 4. violated 15 USC 1692f ; Unfair practices attempting to collect an ALLEGED debt 5. violated 15 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
6. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt )
Product: Debt collection

Hi, I'm being harassed by a debt collection agency, Grant and Weber, for a debt that I have paid. I owed a balance of {$500.00} to the XXXX XXXX XXXX, for which I paid in full on XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX saying that I still have an overdue balance to Grant and Weber of {$500.00} including an interest of {$140.00}. I have spoken to staff at the XXXX XXXX XXXX, who confirmed that I don't have a balance. The staff at the lab have also tried to call Grant and Weber to clear my account, to no avail. 

Please tell Grant and Weber to stop harassing me. 

Thank you.
Product: Credit reporting or other personal consumer reports

I believe that LexisNexis Consumer Center has incorrect information about my driving record, as a result, all insurance agents have raised my rates. Previously in XXXX and XXXX, I was with XXXX insurance. During those years, I was involved in 2 accidents on XX/XX/XXXX and XX/XX/XXXX. Both were not my fault, yet somehow they were registered with LexisNexis as my fault. I did not receive my consumer report yet, but I know they have the incorrect information because I verified with XXXX recently that these accidents were not my fault ( letters are attached ). Moreover, I tried to get an insurance quote and all of them say that I have at-fault accidents in my name for the dates listed above ( example quote is attached ). I believe LexisNexis has the wrong information, and as a result, I can not find affordable car insurance. Please help me correct this record. All of my attempts to contact LexisNexis has just led to forums telling me to report any grievances to the CFPB. Even XXXX, which has on record stated that these accidents are not my fault, are charging me AS IF THESE ACCIDENTS WERE MY FAULT, and this is all because they are getting this information from LexisNexis.
Product: Credit card or prepaid card

I attended a presentation by XXXX XXXX in XXXX of XXXX. At that presentation my partner and I signed up for a trial program, and were told we would be paying $ XXXX and provided bank account information for those payments. Months later I received an email from XXXX XXXX that my Barclays Credit card was delinquent, and after investigating I realized that I was signed up for a credit card without my knowledge and it was charged {$2000.00} as a down payment for the trial. The only paperwork I recall signing at the time was for the $ XXXX trial, and the predatory nature of their presentation lead me to not having knowledge of the account or the correct information to make payments. I connected with Barclays in XXXX of XXXX and was able to trace this card back to XXXX, but even after gaining access and bringing the account up to date they were not willing to delete any delinquency reports.
Product: Debt collection

I called a number on XXXX on XX/XX/2022 to help with student loan forgiveness. I was connected with XXXX XXXX with True Solutions. He talked to me for over 45 minutes about the process. He asked me to sign something to let him speak to someone regarding my student loans. I made sure I didnt give him my social security number and I didnt send him proof of income. However, at the end of the call, he then mentioned that I now owe him {$690.00} dollars. I told him before he does anything that I need to speak with husband before processing the loans. He said okay. I decided it was probably a scam and stopped answering the calls. After a month, he called me from a different number and said he went ahead and processed it since it is company policy to go ahead and proceed if they dont hear from the customer. I went ahead and hung up and now he left a voicemail XX/XX/2022 that this could ruin my credit if I dont pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never completed a Chapter XXXX bankruptcy ; and there 's no reason it should even be on my credit report. I was told this would never show because I never actually paid anyone anything ; and never filed this to begin with. This should be removed immediately.
Product: Credit reporting or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Balance {$1400.00} Highest Balance {$1400.00} XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Debt collection

I contacted Portfolio Recovery Associates in regard to the debt that they placed on my credit report in XX/XX/XXXX. It was an original debt by XXXX XXXX. There was some fraudulent charges on the account in XX/XX/XXXX. XXXX XXXX closed the account in XX/XX/XXXX. XXXX XXXX  is not even on my credit report anymore. They did the right thing. Portfolio Recovery Associates informed me that this account was opened with XXXX XXXX back in XX/XX/XXXX. This account was opened with XXXX XXXX in or around XX/XX/XXXX -XX/XX/XXXX. The account with XXXX XXXX was closed in XX/XX/XXXX. However, Portfolio Recovery Associates placed a collection on me. I did n't know it until I pulled my credit report back in XXXX. They claimed to have placed it there in XXXX. I told them to send me something in writing to prove the debt and they have not. They also told me that an attorney has not been assigned to the debt. They have not sent me anything. They just want money. I spoke with them again on XX/XX/XXXX. That is when I gave them my address. They never even had the address, so how could they have even sent me notice. I want this debt removed from my credit report because this is wrong on many levels.