23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a XXXX dishwasher from BestBuy on XX/XX/2019 for delivery on XX/XX/2019. I opened a BestBuy / Citibank credit card at the time at the XXXX XXXX, XXXX, NY BestBuy store. The saleswomen suggested I purchase a deluxe installation kit ( {$29.00} + {$2.00} tax ) and a haul-away service ( {$19.00} ). I agreed to these additions. The dishwasher was delivered as agreed to, but the delivery did not include the installation kit and the delivery men refused to haul away the old dishwasher. I signed a delivery logbook the delivery man presented, noting that the delivery men refused to haul away the old dishwasher. This book contained multiple entries, I assume for other deliveries. The old dishwasher sat in my dining room for a week until my nephew and I carried it out for pickup by XXXX curbside recycling program on XX/XX/2019. I have affidavits attesting to this. The installation kit was not delivered, but not necessary since I was able to use the existing copper lines. I raised the complaint with BestBuy on XX/XX/2019, on BestBuy 's XXXX page -- their recommended method. I received an automated response but nothing else. I have a printout of this. I paid for the dishwasher in full, {$480.00}, when due. I disputed the {$52.00} charge for unfulfilled goods and services, in XX/XX/2019 with Citibank. Citibank rejected my dispute presenting a number of documents including a BestBuy / XXXX XXXX acceptance form with a forged signature. I never saw such a document, nor does the signature in any way resemble mine. I wrote Citibank dispute center on XX/XX/2019 by US mail and again on XX/XX/2019. Neither of these letters was responded to. In a conversation on XX/XX/2019 with a woman identifying herself as XXXX at the Tennessee Citibank dispute call center, I found out that the first letter was on file but never responded to. I got a call from XXXXon XX/XX/2019, that lasted 42 minutes. It resulted in the late charges being removed and I thought in the dispute being resolved, but the dispute remains! And late charges have again been applied. Subsequently, Citibank has reported my account delinquent. This is the first time in over 39 years of credit history I have ever had a credit card claim me delinquent. My FICO  score was above 800 last summer and has now plummeted to a low of XXXX! Obviously, Citibank has caused me harm. If I were to apply for a car loan, I would be charged a much higher rate. If Citibank even bothered to check, it would discover that my other two cards with Citibank -- LL Bean and Costco -- are always paid in full on time, as are all my credit cards.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not mines. please remove. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not mines. please remove. I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I request that you review this information and make the necessary corrections to my credit report. Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Consumer Loan

Title loan with XXXX finance. I may owe more than the car is worth, due to their interest rates and late fees..
Product: Vehicle loan or lease

Bought out my lease at the Kia dealership. Dearlership told me I did not have any payments left on the lease. Two weeks later Kia Finance autmotically withdrew another payment for the lease. I contacted Kia Finance and they told me the dealership is supposed to inform me to remove auto payments. 

Kia Finance will refund my final lease payment by sending a check at the end of the month. This is a period that they would charge 7 % interest on ; I, of course, am unable to collect on that.

The dealership was wrong about not having any more payments on the lease, but it shouldn't matter : Kia Finance is made aware of lease purchases the day they are complete. There is no reason Kia Finance could not simply cancel the loan payment account in order to avoid any additional automatic payments.
Product: Mortgage

I filed bankruptcy and my bankruptcy case was closed. The lender 's portal does not show that I am current with my mortgage payment, and the lender will not allow me to have my mortgage payment sent via bill pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be delaying things but I am not going to just wait because this matter of is great importance to my family. I sent the letter on XX/XX/2022, and it's been over a month now. I still haven't received any response from them or any form of update from their end. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing that I owe {$420.00} on my credit reports I have never had a XXXX XXXX  account. I never ordered anything from XXXX I checked with the post office and nothing was ever delivered to my PO box  from XXXX if something was delivered you would have a signature please send a copy of the signature this is not my account please delete from credit reports today
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The Late Payment Status is incorrect. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

I Spoke with XXXX customer service Rep from XXXX XXXX XX/XX/2020 @ XXXX. I C System is reporting Balance being reported to credit bureau is an inaccurate balance. Balance XXXX XXXX has on file is substantially lower than the balance I C SYSTEM is reporting and seeking. My fair credit rights are in violation. I have sent letters off to I C System through a third party consumer called Smart credit with out any resolution.
Product: Mortgage

Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of Regulation X, i.e. 12 CFR 1024.39 by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the 36th day of delinquency pursuant to 12 CFR 1024.39 ( a ) and did not receive the written notice of available loss mitigation options required by 12 CFR 1024.39 ( b ).
Product: Vehicle loan or lease

On XX/XX/XXXX, I applied for a vehicle loan at Navy Federal Credit Union. Once " approved '', I sign and delivered a Promissory Note/ Security to the financial institution which they then transferred to XXXX XXXXXXXX who holds customer securities on Navy Federal 's behalf. Knowing that the promissory note is a financial asset which the company receives an advance at par value from the United States Treasury for, Navy Federal received full value for the vehicle loan once they received such document. 

Up unto this day, Navy Federal is still erroneously billing me as if I owe an outstanding balance for this loan when they have already received value in full when I signed and delivered the note. This constitutes for Securities Fraud. I also submitted a Billing Error Notice to rectify this dispute but the institution decided to ignore that notice. On XX/XX/XXXX, I delivered a notarized Notice revoking the following authorization ( XXXX ) I have given Navy Federal : 1. Any Statutory Lien in my shares and dividends on deposit in All joint and individual accounts and any monies held by Navy Federal now and in the future, to the extend of the loan made and any charges payable. I revoke Navy Federals security interest in the collateral securing loan ( s ) that I have with Navy Federal now and in the future, including any type of change or increase, and any proceeds from the sale of such collateral and of insurance thereon. 

XXXX. Any Security Agreement appointing Navy Federal as attorney-in-fact with limited authority to take such steps and accomplish such acts as Navy Federal may deem necessary to perfect the security interest created by such agreement and to protect the collateral. 

3. Navy Federals right to receive the proceeds of insurance, not to exceed the unpaid principal loan balance. Any right Navy Federal may have to take possession ( repossess ) of all stated collateral and selling, or otherwise disposing of the same, or any part thereof, at public or private sale. 

I also advised them that given this revocation, any and all proceeds from the sale of such collateral and proceeds of insurance shall be transferred to the borrowers Treasury Direct account using the credentials listed below : Account XXXX. XXXX XXXX XXXX. XXXX Since receipt of this Notice, Navy Federal has not updated my account ( s ) to reflect this revocation and has not responded to this correspondence. This notice shall be in effect as of the day it was signed until I retract this revocation, written or orally.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/23 i paid Convergent Outsourcing , Inc . {$250.00} for a past due XXXX XXXXThe Convergent agent told me on a recorded phone call that when i paid {$250.00} that they would delete the collection from my credit report in about 45 days.The collection was never deleted.Can you guys some how verify what iam saying because we were on a recorded call.
Product: Vehicle loan or lease

Car was bought from a used car lot XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in an accident, totaling it and appropriate insurance actions were taken on behalf on consumer ( GAP/PERSONAL ). The total loan amount remaining was {$3800.00} at this point. The loan agency ( CREDIT ACCEPTANCE ) and GAP provider ( XXXX XXXX ) kept going back and forth, saying the payment was being processed. Over the span of 4 years, interest has accumulated and the account in now in collections. Due to gross negligence on behalf of both companies this has hurt my credit as well as cause me an overwhelming amount of stress and inconvenience. These companies need to be held accountable and not get away with shorting the consumer.
Product: Debt collection

In XXXX of 2023 I was contacted by XXXX XXXX XXXX, a debt collector for XXXX about a debt. I informed them this was not a valid debt, all leased materials were returned to the XXXX store in XXXX VA on XX/XX/2023. I then received notification that they apologized, and that they would not longer seek remedy and the case was closed. The collection was then removed from my credit file. 

Now, this same debt ( which was already deemed invalid by XXXX XXXX XXXX ) is being sought after by Sunrise Credit services. It is not valid, there is nothing owed to XXXX, and this was already proven and settled with XXXX XXXX. Additionally, I have received ZERO written correspondence from Sunrise Credit about this debt.
Product: Student loan

Navient has never sent me information I constantly am giving them update information that they never update and they never send me any kind of proof that I paid anything and they also never send me the interest that I need for my tax refund every time I call them they are incredibly rude and obstructing obstructing and say that they 're gon na do one thing and they never do it. It has been incredibly frustrating. Constantly tell me i am behind, yetnever sebd a payment schedule nor proof of my payment. Automated number hags up on you.
Product: Debt collection

On XX/XX/XXXX, I was reviewing my XXXX XXXX and discovered I owed XXXX XXXXXXXX XXXX XXXX {$170.00}. I do not owe this agency any money at this time. Because of this debt, my XXXX XXXX is affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus ( XXXX, Equifax , & XXXX  ) several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is XXXX XXXX XXXX XXXX. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to XXXX XXXX XXXX XXXX for validation ( XX/XX/XXXX & XX/XX/XXXX ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act .the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A man, XXXX XXXX, left a message on my voicemail claiming he was trying to locate me with a legal summons for a lawsuit. He left me the number of this company to contact in regards to this case. I called the number he provided where I was told I was being accused of defrauding XXXX XXXX for a credit card I had issued back in 2000. They were suing me for over $ XXXX.They claim Citibank bought the debt and they were now demanding their money. I am not sure that this is a valid debt. I have not received any collection notice from this company as of yet, just this phone call. I contacted my attorney and she researched our local county court calendar. She can not find a court date for this hearing. At this point she feels as though this is a scam of some sort and recommended I report it to the authorities. I am also concerned because these people do have at least the last XXXX numbers of my social security number.
Product: Debt collection

On or about XX/XX/2016 I made a purchase through whynotleaseit at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency XXXX XXXX XXXX for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.