23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I notified Citibank of a dispute with Home Depot for {$210.00} from a total charge of {$380.00} purchased on XXXX/XXXX/XXXX. Citibank sent me a stupid form to complete which did not allow for my comments so I requested a fax number to send in all my details and correspondence which is attached sent on XX/XX/XXXX. Citi " claims '' they never received this although I have a fax delivery confirmation. I resent this via email with attachments on Sent : Saturday, XX/XX/XXXX XXXX XXXX and this is my email delivery confirmation but Citi again states on XX/XX/XXXX at XXXX EST ( copy attached ), they still have not received my documentation. This is ridiculous and a complete run-a-round. I request your review and intervention in this matter as I am not receiving any support from this company.
Product: Mortgage

I have a conventional loan that I have always been on time with and not had an escrow account. My home insurance provider is no longer covering home insurance and I missed the notice and had a very small lapse in home owner 's insurance. Freedom Mortgage asked for my proof of insurance, which I provided with my new policy for the next year. They said since there was a small lapse they would go back and add in force hazard insurance for the back dates. This was from XXXX the dates of lapse. I tried to call a few times but was told I had to pay their fee of {$100.00} for the backdated insurance so I did. I saw my online statement with a change to my payment amount. I pay XXXX and my new payment is {$1600.00}. I spoke to Talked to XXXX on XX/XX/XXXX and got payment done of {$100.00} for the in force. She said she didn't know why they had put escrow on the account but that she would get it fixed and going forward since I paid the in force escrow my old payment would resume. 
She told me she was making a task for this to go into the funds due to the escrow for the lapse in insurance and by XX/XX/XXXX will be taken care of. XXXX, who was very nice and helpful and assured me it would be taken care of, from Freedom Mortgage also told me the escrow account change taken off with the completion date of XX/XX/XXXX. I called again today XX/XX/XXXX because my account still showed {$1600.00} instead of the {$1400.00} I always pay. The lady I spoke with today said there was a note on the account that since I had a lapse of insurance it was now mandatory that I pay the higher payment and had to now escrow my mortgage for hazard insurance. I explained to her my funds are tight, especially with the current situation and that I have already just paid for another year of hazard insurance, I do not want to also pay an inflated escrow account. She said that was the rule, nothing she can do. I asked if she could please let me talk to a manager as I am never late, and this was such a small lapse already taken care of and she kept me on hold for a while and said no managers were available to speak. I never got anything even stating that I now had a higher payment or would be forced into escrow. When I had called before they said once I paid the in force amount, which I did, they would make sure to have my account changed back before my next payment was due.
Product: Debt collection

I wasnt aware that I owed any money to the XXXX when I was in XXXX as I didnt stay at my parents house and thats where all the mail was sent too. I have a insurance card that I used so I figured it would be covered. However while looking though my credit report I seen that my debt has been handed to collections. I never knew about the debt. My colleagues said that usually youll receive mail contacting you about debt or even a email or something from the original company but I wasnt in the position to see any of this. And this honestly caught me by surprise as I had no opportunity to even pay back the medical institution as I was unaware of the debt.
Product: Consumer Loan

I got a title loan XX/XX/XXXX for XXXX they told me the payment would be XXXX a month for six months. XX/XX/XXXX they told me all I had paid was the interest. I have paid XXXX on that loan and they still want more. I ca n't get my title back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, Experian XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

I am immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year> we entered into a purchase agreement for a XXXX XXXX for my business with the ( merchant ) XXXX XXXX XXXX XXXX XXXX this machine was advertised as having a 45 day delivery time along with the merchant confirming this with me multiple times, on XX/XX/XXXX the merchant was paid a deposit of {$7000.00}. 

On XX/XX/XXXX i inquired with the merchant on the time frame of delivery and they told me it was going to take longer, at this point i requested my refund as they weren't going to be able to make the agreed upon delivery date, to which the merchant denied but then told me if we paid more for an upgraded machine it would arrive 5-10 days sooner than the agreed 45 days, to which I agreed and paid the updated {$2000.00}. 

multiple ties throughout this time frame I reached out to the merchant asking about dates, he lied with fake promises each time. 

fast forward to XX/XX/XXXX, I contacted the merchant asking them to sell the machine to someone else or give me a refund as we are well past our 45 days at this point and I have no updates or knowledge that the machine even exists. the merchant then denied the refund, at which point I decided to file a chargeback with Citibank. 

it was not until XX/XX/XXXX that the merchant sent me pictures of the machine and told me it was ready to ship, this is 80 days after making the order with them and double the agreed upon 45 day time frame, add shipping into this and its now over 100 days to receive. 

I supplied Citibank with all of the evidence of this ( more than enough to see my claim was justified ) and they decided to deny my chargeback and claim, Citibank has since made me pay back the {$9000.00} as they charged it right back to my card. 

to this day I am still out {$9000.00} and have no XXXX XXXX  The next step for us is getting lawyers involved but I decided to go through this channel first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute this account XXXX XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 

Item # 3 : I dispute XXXX XXXX - XXXX, this account is more than 10 years old and should be deleted from report. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to rectify my issue with XXXX and XXXX regarding a collection account that is showing open from collection agency AD ASTRA account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
Product: Checking or savings account

Bank of America again locked my company account for XXXXXXXX XXXX transaction for gas. This is the 4th time in two months. I have called the bank each time and yelled at them. They are not doing this to protect me, they are doing this to protect themselves. This time they blocked the card XXXX XXXXXXXX in the morning. I have now had to have to accounts for my business, just in case the card doesnt work. Further causing me issues with Taxes. This company promised me they would never block the card again, but they did. They now need to be penalized for this activity, and cost to the customers, for your security policy.
Product: Credit reporting

Due to my XXXX not correctly applying two payments to XXXX in the amount of XXXX and XXXX ( which have yet to be found ) my credit score has dropped significantly. XXXX sent the funds to XXXX which does not own the card any more. XXXX ca n't find the funds as well.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Also Known As : XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX appears on my credit report. The info is incorrect is not mine and despite many times now asking for it to be removed the bureaus investigation is never done correctly or at all so items never go away or reflex proper info
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO COMPLAINT # XXXX EQUIFAX is in breach of their DATA SHARING POLICY which states they MUST keep a record of given consent to furnish a consumer report and I demanded the recorded consent and EQUIFAX has not provided it so there for they must delete the demanded items i sent in my letter. EQUIFAX IS IN BREACH OF THEIR DATA SHARING POLICY AND MUST DELETE DEMANDED ITEMS FROM MY REPUTATION.
Product: Credit reporting or other personal consumer reports

The first notification was through my bank alert and right after a XXXX  XXXX  alert on XX/XX/24. I contacted my bank and told them I was notified of XXXX hard inquiry pulls that I never authorized. Once, I spoke to my bank they told me to get in contact with the credit bureaus to notify them of the ongoing situation. I was the advised by all XXXX bureaus to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never opened account with OneMain
Product: Debt collection

Upon me reviewing my credit profile I noticed that I had credit card account on my credit report that I was not aware of from credit one. I reported to the company and they refuse to delete it
Product: Credit card

Previous employer I worked for used my ssn and personal information without my consent to open an American express platinum card for his business. Told me he was approved and asked if I wanted to be a secondary on the account. He used my information on the w2 I filled out during my hiring process to open the account with me listed as the primary and got himself listed as a secondary. I was informed about this by amex, confronted this business owner and was threatened and fired. Amex is not stopping coming after me for the payment even though they know the entire story at this point. I have an open police investigation on the individual and amex is not providing the requested information to the detective. Instead of providing the detective the requested information, they have moved the account over to collections.
Product: Credit reporting or other personal consumer reports

Company Premier lending is reporting on my credit Foreclosure payoff which is affecting my ability to move forward with credit repair. I was in Covid forbearance and when time to move forward bank didnt have options other than paying off the loan in full. I was approved by HAF state program to reinstate the loan Premier lending declined the option of bringing account current. Not showing any 30,60,90 day late on credit but they listed as foreclosure payoff.
Product: Mortgage

After filing a complaint against Pennymac Loan Preccessing with your agency, I got a call from them within XXXX hours. Thank you! 

Unfortunately they said they would send an email deleting my erroneous late fee and that I owed an amount of about {$97.00}. I don't think I owe that but to make the problem go away it is worth it to pay that amount. 

I got an email from them but it did not reflect what the customer service rep explained. I will not talk to them on the phone again and will communicate via email only ( they said they would send an email about our discussion but I have not seen it ). 

Please register this second compliant. 

Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my consumer report and I noticed a collection on my consumer report. 

Account XXXX : XXXX Your company is in clear violation of the law. 
I am not liable for this debt with the Receivable Collection Services I do not have a contract with Receivable Collection Services.

Under USC 1692cXXXX XXXX XXXX XXXX XXXX XXXX the consumer refuses to pay a debt collection.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, failure to respond satisfactorily with the deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. 

I demand to see verifiable proof of the original consumer contract with my signature on it and yours, which is on file for the account listed below. 

Failure to positively verify these accounts has hindered my ability to credit. Delete this collection in the next 15 days. 

It has damaged my mode of living, and my character. 
Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This ( {$90000.00} ) XXXX XXXX XXXX Credit card ( ending in XXXX ) debt of more than ( 6+ ) years having no dialogue and or activity has been passed on over and over to numerous collection agencies and has now been passed onto the most recent collection company by the name DYNAMIC RECOVERY SOLUTIONS ( their account # XXXX ) located at XXXX, XXXX. XXXX ( XXXX ) XXXX. 

Conclusion : Because of the expiration of the statute of limitations to legally collect in XXXX ( 4 years ), I 'm asking Dynamic Recovery Solutions to remove this debt from my XXXX credit reporting agency and or other agencies and issue me documentation on my behalf that this time barred statue can not be legally collected any longer because of the non activity of over ( 6+ ) years and because of the expiration of the statue of limitations for the ability to collect.