23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XX/XX/2018 my daughter had to move out of a student housing facility due to illegal activity that was going on at the facility. The manager was alerted and did nothing to address this and as a result she moved out before her contract was up. I had called and spoke to management multiple times from XX/XX/XXXX to XX/XX/XXXX regarding the contract and that we should not owe this debt since they were negligent and broke their own contract. As a result they sent me to Pro Collect ( collection agency ) out of XXXX, TX. I received a collection letter on XX/XX/XXXX for collection. I retained an attorney and sent a letter of dispute to Pro Collect on XX/XX/2018. I also sent a letter to the Student housing complex ( XXXX XXXX XXXX ) as well. I received a cancellation letter back from Pro Collect on XX/XX/2018 stating that the account has been canceled and I not longer owed this debt and the request was made to have it removed from the Credit Bureau and it was returned to the original creditor. I applied for a loan on XX/XX/XXXX and this debt was still on my credit report. I have contacted Pro Collect multiple times regarding this and I was informed that I could only email a person by the name of XXXX XXXX ( collection manager ) and that he was the only one that I could correspond with. I sent an Email to him on XX/XX/XXXX stating this was not longer owed and that their company has sent a cancellation letter. On XX/XX/XXXX XXXX XXXX sent back an email stating that I owed the {$1400.00}. I then sent another email back to him on XX/XX/XXXX stating that I didn't owe the debt and that his company had sent the cancellation letter. I have sent emails back on XX/XX/XXXX and XX/XX/XXXX asking of I need to send a copy of the cancellation letter to him. I have not had any response from him and I have tried to talk to someone else at Pro Collect and they always say I can only email XXXX XXXX and no one else there can help me or have access to my account with them. I still am waiting for a response. I have included letters that were sent to XXXX XXXX XXXX and Pro Collect as well as Emails to XXXX XXXX  ( collections manager ).
Product: Debt collection

Called 9 times within 7 days repeatedly calling every day. I told them to stop calling weeks ago.
Product: Credit card

Subject : Complaint Regarding Unjust Charge on Previously Settled Account with Citi To Whom It May Concern, I am writing to formally lodge a complaint against Citibank regarding an unresolved charge on an account that was previously confirmed as settled. In XX/XX/2024, I proactively reached out to Citibank, contacting their designated support line to inquire about the final balance on my credit card account. After confirming the outstanding balance, I provided my payment information and settled the amount in full during that call. Furthermore, I was informed by the representative that my account would be closed due to a history of late payments, with an additional stipulation that I would be ineligible to apply for a new card for a six-month period. 

Despite these assurances and the understanding that my account was fully settled and subsequently closed, I was perplexed to receive a billing statement dated XX/XX/2024, for my account ending in XXXX, indicating a current balance of {$3.00}. This bill is not only unexpected but also unjustified, given my prior clearance of the account balance and Citibank 's decision to terminate my account. 

The persistent requests from Citibank to settle this minor and unwarranted charge are not only inconvenient but also cause undue stress, considering my efforts to responsibly manage and settle my financial obligations with the institution. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter. It is my hope that through your intervention, Citibank will acknowledge the oversight and rectify the situation by absolving the erroneous charge and providing confirmation of the same.

I look forward to your support in resolving this issue promptly and am willing to provide any further information or documentation as may be necessary.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY CREDIT TransUnion : XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX
Product: Mortgage

We discovered back in XX/XX/XXXX that we had been assessed late charges by our mortgage company, Shellpoint Mortgage Services. On our statement for XX/XX/XXXX it showed that owed XXXX payment as we had just paid a large amount to get our account current. We did not make a payment for that month as it showed XXXX payment was due. We made all our other payments on time up to current date. We have tried contacting the mortgage company about their mistake, but we get the run around and they closed our case with no explanation as to why. We have tried re-opining the case but they keep telling us they need more time to investigate. This has been going on since XX/XX/XXXX. We are requesting that the late charges we've paid be reversed and our credit history reflect that we paid our payments on time.
Product: Student loan

I tried to apply for the student forgiveness last XXXX, XXXX. I find it very unfair that the student forgiveness program only has a beginning year of XXXX. I should qualify if the program would include ALL time in public service..I worked for XXXX XXXX from XXXX, XXXX XXXX and XXXX XXXX from XXXX . I have accrued XXXX XXXXXXXX years in 2 counties and am vested after XXXX years. 
Also, I find it very unfair that the interest on my student loans is excessive!!! I can't help it if I had extenuating circumstances beyond my control as to fall far behind on my payments, such as layoffs, unemployment, COVID and surgeries that through the years has impeded me from continuous payments as to NOT accrue extra interest. I would like to arrange a better outcome with my student loans as to be more fair..
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Company has been reporting my forbearance late as much as 150 days late. I have email, and sent letters to the company and all 3 credit bureaus about this being a violation. I have been ignored and the Mortgage company has only fixed one error. once I placed the dispute they changed my payment history from 120 days late to 150 days late. Once I paid and got caught up they sent me a refund check for over XXXX for over payments. They are refusing to correct the late payment history on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this Inquiry details XXXX XXXXXXXX XXXX XXXXXX/XX/2022, and XXXX XXXX XXXX Opened XXXX {$320.00}. and XXXXXXXX XXXX XXXX XXXX I am requesting that the charge be removed or DELETED, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as Identity Theft Affidavit. Please reinvestigate this matter and ( delete or correct ) the disputed item ( s ) as soon as possible. 
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account. The copies of the records can be mailed to me at the address listed below. IN addition, please make these records available to law enforcement upon their request.
Product: Debt collection

They keep calling from a different number then they tell you to call a 800 number
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX I noticed 3 fraudulent un-authorized XXXX charges on my credit card. I promptly notified Chase of these charges ( same day as when I noticed them ) and was issued a new card and provisional credit. 

I explained to Chase that I don't ever use that specific card for XXXX purchases ( use a different Chase card for that ) that I didn't recognized the merchant were the purchases were made and did not make any XXXX purchases during that time period. I was assured that the charges would be properly investigated and I would not be responsible for any fraudulent charges ( Chase 's Zero Liability Guarantee ). I have not heard back from Chase since then until I noticed that the original charges were reversed and posted back to my account on XX/XX/25. 

As per Fair Credit Billing Act and FTC I was never provided with a written notice of reversal or an explanation of why/how it was determined that I was responsible. 

" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money '' After contacting Chase to get a further explanation ( 3 different times. 1st agent hung up on me ) I was told that a determination was made based on the fact that in the past I've used XXXX on my other credit card account. After requesting a copy of the report and proof of evidence use to make that determination I was told there wasn't any share. The second agent told me that they contacted XXXX and were still waiting to hear back, yet, somehow still determined that I was responsible for the charges without ever receiving anything from the merchant. 

As per Fair Credit Billing Act Chase failed to conduct a proper and fair investigation. Failed/refused to gather any evidence and decided to close the case based on a hunch ( a probably a desire not to spend any time and money to properly investigate it ). Chase failed to note that the restaurants where the transactions were incurred were thousands of miles away from me, did not request any info from XXXX, failed to note that I have never used that card in the past to make XXXX purchases and refused to share the document proving the charges were authorized. 

It is pretty evident that this was done for the sole purposes of cutting cost. No proper investigation was ever conducted ( if any ). The merchant was never contacted. They failed to prove that those transactions were legitimate or authorized and yet as a consumer they made me responsible for those fraudulent charges. This a clear violation of consumer rights as well as company 's claim of Zero Liability Protection. I have a feeling I am not the first person this was done to and won't be the last.
Product: Credit card or prepaid card

credit card number was stolen in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase for {$740.00}. This was my first time using this credit card. I was unaware about the closing statement date or billing due date. I was also unaware that their system automatically enrolled me in paperless statements once I created an online account, therefore I never received a paper statement in XXXX to make the payment. On XX/XX/XXXX at XXXX XXXX  PST, I called asking for the statement. The agent by name of XXXX, confirmed my address and said they will be sending me the paper statements. She also said that a minimum payment was due and that I had incurred in a late fee of {$29.00}. I requested to speak to a supervisor regarding the fee because I was unaware of the bill due date due to a lack of paper statement. I spoke to XXXX XXXX at XXXX XXXX PST who informed me that he did not have the power to do a first-time courtesy reimbursement of the fee. I was transferred to XXXX at XXXX XXXX  PST. He mentioned he was in the same situation. I kept requesting to speak to a supervisor and all of the agents informed me that there wasn't a supervisor available but that they could request for one to call me back. No one called me and I did not receive any notices in the mail. On XX/XX/XXXX at XXXX XXXX PST, I contacted customer service again. I spoke to an agent by the name of XXXX. She again informed that a supervisor was not available and hung up the phone on me. I called back and at XXXX XXXX PST, I was transferred to an agent by the name of XXXX. She said that she didn't have the power to make any changes to my account and said she would request for a supervisor to call me back. I kept calling back multiple times and no one until today has called me back. 
I kept calling back on XX/XX/XXXX and XX/XX/XXXX, asking to speak to a supervisor. I was never transferred to a supervisor. The agents would always say there were no supervisors available. 
Finally on XX/XX/XXXX at XXXX XXXX PST, I was able to speak to XXXX an account supervisor, who said needed me to transfer me to a different department because my account was already in collections and was reported to the Credit Bureau. At XXXX XXXX  PST, I spoke to XXXX who said a supervisor would call me back ASAP. A lady by the name of XXXX XXXX called me and said she would submit a dispute regarding the Credit Bureau report and the revision of fees and that a supervisor would contact me withing 7-10 days with an answer. I requested written communication to be made as well for my records. 
It is now XX/XX/XXXX and I have not received a call back from any supervisor nor have I received any notices from the company. Yet, they keep charging me late fees and interests from the initial late fee and interest I was disputing. I believe this beyond advantageous, a complete theft, fraud and a gimmick to steal from customers. 
I request a review of my case and the necessary steps to lessen the charges and delete their report from the credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The account below have violated my rights : 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A seccin 2 : it also states a consumer reporting agency can not furnish a account without my written instrucciones.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following tem of information, other than records of convictions of crimes which ante dates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( a ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasononable cause to believe that the information is in account. 
Delete the account below : Transunion : 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

I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to XX/XX/XXXX and to Equifax but had trouble disputing on line with Equifax. I have old statements showing the situation was fixed. Equifax confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No. XXXX - date opened:XX/XX/XXXX This has a XXXX  balance is a closed account. It is shown as a " derogatory mark '' on my credit.
Can you please help me rectify this again?
Thank you for any of your help.
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the follow inquires that I did not authorize Equifax XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I tried to make a purchase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not had it approved when I had over 4- {$800.00} available on my credit card he purchase is to provide for my 2nd Amendment Rights as an enlisted serviceman I demand that this be rectified. As I believe they have an associate which had a poor relationship with me XXXX XXXX which I filed multiple EEOC compliants XXXX XXXX XXXX v. CITI. If he is interfering with my credit account he is committing a federal offense amount the others he has for his displays of blatant racism. Customer Service Rep XXXX XXXX failed to provide excellent service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I entered into a mortgage with First Community Mortgage also known as " AKA FCM '' on XXXX, XXXX. XXXX. My payment was {$600.00} which I paid until XXXX of XXXX. At the end of XX/XX/XXXX I received a statement from FCM stating my mortgage payment would be {$620.00} due to escrow. I contacted my insurance company to find out if my insurance went up. I was told NO that actually it went down {$68.00}. I then called XXXX XXXX Al. to find out if my taxes had gone up. I was told no that because i was XXXX I was tax exempt. I called the mortgage company in XXXX and told them that I was tax Exempt. And XXXX XXXX Al. attempted on 3 occasions to send FCM the verification of the tax exemption. On the 3rd time via a fax number XXXX XXXX was finally able to reach the tax dept for FCM. I have paid {$620.00} XXXX, XXXX, XXXX. I received a notice that my payment had been reduced to {$570.00} after I had made the XXXX payment. Since I received the notice that my mortgage was reduced due to being tax exempt I have asked to be reimbursed the over payment amount and they have refused stating any over payment i made was applied to principle which is not true for XXXX or XXXX. On my statement with a payment date of XXXX XXXX Is the first time Ive seen a '' PRINCIPLE CURTAILMENT '' in the amount of XXXX. I did not ask that {$49.00} overpayment for XXXX to be applied to principle, nor have I asked that any additional money I was told I HAD to pay be applied to anything. Ive ask for a refund. I have been asking for all overpayments to be sent back to me since XXXX. They did send a check to me for XXXX XX/XX/XXXX stating that was from overage from escrow account. This does not address the overpayment amounts. I am a older XXXX woman I live on a budget XXXX a month is a lot of money. I need help. I have documents. I can send but dont know how to upload. Please respond. XXXX phone number XXXX. Thank You
Product: Debt collection

As it appears on my credit report there are XXXX accounts that have not been proven to be owed by me. These accounts are shown as : XXXX ) - XXXX XXXX on XX/XX/2022, the amount reporting is {$3200.00} by XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX reported on XX/XX/2022 by Unifund  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The amount alleged is a balance of {$100.00} on XX/XX/2022. Before reporting these false and inaccurate accounts there was no investigation to substantiate these accounts and alleged claims that I owe these companies. I do not have a contract with these debt collection agencies and prood of indebtedness must be shown and proven beyond any doubt before reporting information on my credit report ( 18 USC 8 and 15 USXXXX 1666b ) otherwise this breaks federal law and is considered defamation of character. Legal action will commence against these companies if this information is not removed promptly.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On or about XXXX XXXX XXXX applied for US Bank Business credit card based on the invitation that I received. I was suppose to get my credit card by XXXX XX/XX/year>- which i never got it. I called and chatted and I was told that it might take 7-10 days and I can figure out that these folks have no clues in terms of what they are talking about? 
I asked for tracking #- they had-no tracking #. I was told to ask a specific phone # which i called on XXXX XX/XX/year>. They ordered a replacement card with expedited shipping and assured of tracking # will be available next day. 
Well there is no tracking # at all. 

On XXXX XX/XX/year>, called US Bank once again and talked to XXXX Confirmation # of the complaint is XXXX I really needed this card well in time. 

The problem with this US Bank- too big, too ill managed, too fragmented and absolutely no accountability or ownership. 
This bank should be broken down into more manegable pieces so that it can be managed properly Moreover they are very dishonest or non transparent. Most of the jobs in XXXX- they are not doing any fair hiring- mostly cheap XXXX workers are hired who are not good.
Product: Vehicle loan or lease

IM BEING SUED BY WESTLAKE FINANCIAL BECAUSE I COULD NOT FINISH & PAY OFF A CAR LOAN BALANCE OF XXXX FOR A CAR PAYMENT AFTER THEY REPO MY CAR AND SELL IT & I SEND THEM LETTER ASKING FOR A REAL CONTRACT NOT A COPY AND THEY SEND ME A COPY OF A CONTRACT & THAT I DON'T HAVE A DEBT & IT ALREADY PAID UNDER THE LAW 15 U.S. Code 1692g - Validation of debts PLUS I HAVE COURT DATE ON XX/XX/2021 ON XXXX