23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A CitiBank store card was converted to a Citi visa card and issued without authorization in XXXX or XXXX to my best knowledge. The store banking and card management section of XXXX XXXX 's website directed a charge away from the default XXXX XXXX XXXX to the unauthorized card ( which I never received and never received the statements for. ) Rather than the XXXX charge being included in the XXXX XXXX card ( balance paid in full monthly ), the charge was placed on an account ending in XXXX, ( for which I still have never seen the entire account number. ) The vendor gladly reversed the charge, but Citi still pursued the balance. I disputed the charge and explained the situation to Citi, who assured that no negative credit reporting would be submitted while the charge was in dispute. Approximately 10 days later, a " Late Pay '' status was placed into my credit report. Citi swore they would remove it.

It has been several weeks since the statement balance was disputed, but still the negative hit remains on credit report. Citi still claims to be investigating, but in the meantime my perfect credit score of XXXX has been lowered to XXXX. 
I spoke with Citi several times and again on XX/XX/24 after receiving a statement showing the entire balance with fees and penalties due, on XX/XX/24 for that XXXX account. I was told that the late fees and charges had been waved and credited and that the vendor refunded the original charge. Today a Citi rep. explained that there is no balance on either accounts associated with this issue and that she is actually mailing a check for a credit shown on our first statement for this XXXX charge, ( XXXX 's statement for an account number I don't recognize. ) Today I was told that this new account ( showing the credit ) was issued when I disputed the original charge. All of the accounts associated with this issue should have been closed, but there is still a history of late pay showing on my credit report.
Product: Credit card or prepaid card

My wife and I needed funds to pay for a medical procedure for our daughter in early XXXX. The doctors office supplied a brochure for a credit card Care Credit by Syncrony Bank to pay for the procedure. The promotional material represented an interest free credit line if the balance is paid within the terms of the loan. The advertisement showed a grid in the brochure with several examples of zero percent loan payments, all with two and three year terms. When we received the credit we assumed we set up a auto payment to pay  the loan off in two years and I was sure to pay several dollars more then the minimum payment. In my mind this would be extra security to be sure the line was paid with time to spare. 

To our dismay, at one year in XXXX we were hit with, over {$1100.00} interest fee, as the term of our credit was, unbeknownst to us, set at one year. According to Syncrony, at the time we recieved approval for the line of credit/credit card, an additional email was sent directing us to check the terms of the credit loan. Since we set up payments and saw no indication that there was a term limit of one year we did not monitor monthly statements. My wife and I both did not see this follow up email and also did not understand the line of credit would be any different from the one advertised that we assumed we were applying for. My wife and I feel we were tricked by the credit card company and this was done intentionally. 

We sent several correspondences to the company with the request they honor the advertised credit rate and negotiate a settlement. They have refused twice expressing regret that we were confused by their promotional material.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried online to freeze my credit reporting account with Equifax and keep getting a message that they are unable to process my request at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

After speaking with collection mgr at XXXX, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems XXXX has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!
Product: Mortgage

Bank of America has been reporting late payments on my credit report and the account was sold to XXXX XXXX XX/XX/XXXX it 's been over seven years and also reporting late payments in XX/XX/XXXX and XX/XX/XXXX when I did n't have any accounts with Bank of America. Please, please help me with this
Product: Credit reporting or other personal consumer reports

There were two hard inquiries on my credit that is incorrect and my SSN was definitely used to try to get approved for credit cards. The first one was on XX/XX/24 by XXXX XXXX XXXX  and the second one was XX/XX/24 by Discover Financial Services. These two hard inquiries are definitely not from me and I have been in contact with XXXX and they are working on the disputes that should be resolved in the next week or so. I also have put a lock on my credit so they are unable to have access and I have requested for further fraud protection as well.
Product: Consumer Loan

I originally financed my vehicle through Santander in XXXX. In XXXX I refinanced this vehicle through XXXX. 6 months after Santander accepted the payoff from XXXX they sent me a bill for {$450.00} saying that I still owed them a payment. I refused to pay because they released the lien and accepted the payoff and now it 's on my credit report looking like a repossession and is preventing me from getting a decent interest rate on a new loan. The vehicle has been completely paid off for 2 years.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report that are the result of identity theft. Under 15 U.S.C. 1681c ( f ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent information from appearing on my credit report. I have sent copies of these documents to validate my fraudulent claim I have made multiple attempted to contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX contact was ever made. All Attempts made were a fail. I've been in compliance and complete cooperation through this whole situation NO RESOLUTION. 
I've completely don't know wat to do any more I have taken all precautions to fix this situation, but no one is helping at all. I've contacted Equifax about them removing account that without my permission I never gave them permission to delete my XXXX XXXXXXXX off of my credit report without my consent I never sent documentation for that specific account. I called Equifax several time for them to correct this and report the new tradeline. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit reporting Agencies on XX/XX/XXXX with complete attachments of my Personal Information and ID THEFT REPORT to remove the fraudulent information reporting on my Credt File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$570.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Balance Owed : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been listed on a store charge account as an authorized user. I contacted the primary account holder to contact the lender to remove me as an authorized user. She contacted the lender on XX/XX/XXXX and the lender process the request to remove my name from the account. I pulled my monthly credit report from my monthly monitoring service ( XXXX  ) today ( XX/XX/XXXX ). This charge account is still listed on my credit report. I have contacted the primary account holder if she can contact the lender and ask for a " courtesy update '' on the correct information to the credit reporting bureaus. The lender advises they are unable to process that request. 

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

Per my previous case XXXX XXXX. The creditor stated that this account was last reported on XX/XX/XXXX. That statement is incorrect all three Consumer Credit reporting agencies are currently reporting this account, with different statuses and balance updates for XX/XX/XXXX and XX/XX/XXXX. So the letter that was submitted to CFPB in XX/XX/XXXX was fraudulent with regards to how the creditor was reporting this account. 
In XX/XX/XXXX, a 1099-C was issued to this account. A 1099-C is considered income per the IRS and will need to be filed as income for my taxes.

Income is not reported as credit to the consumer credit reporting agencies. Also the creditor sold my information to a third-party debt collector that debt collector was demanding payment for more than double the amount originally owed this situation was resolved in my previous case mention above.

Also stated in the letter by the creditor that any payment you choose to send is voluntary and or nonrefundable. There are no payments due to the creditor due to the 1099-C this creditor has already received credit per the IRS for this account.
Product: Debt collection

Date : XX/XX/2024 Address ASSET RECOVERY SOLUTIONS , LLC Address Line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : List Account Number XXXX I am sending this letter after RECEIVING an email on XX/XX/2024. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : XXXX. The original creditors name and address XXXX. The Original Account number associated with the debt. 
XXXX. State what the money you say I owe is for XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. The name and contact information of any sources contacted to verify the accuracy of the disputed item. 
XXXX. Proof that I am legally responsible for this debt. 
XXXX. Documentation outlining the chain of ownership of this debt, including any assignments or transfers. 
XXXX. Provide proof that Asset recovery is Licensed in the XXXX  of New Jersey to collect on a debt. 
If your company fails to comply or respond to this letter within the allotted time of XXXX  days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop until I receive proper validation of this debt. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase at my regular spa for XXXX on XX/XX/XXXX, I received terrible service by an untrained new staff member. They rescheduled to fix the problem and rescheduled on XX/XX/XXXX. They said, my regular XXXX has left the job and wont be able to provide me a new XXXX  because they dont have any at the moment. 
They never fixed the problem, and said they will return my money upon checking with their boss/owner XXXX. I never received my refund. I filled claim with my credit card service provider Citi Costco Visa. On XX/XX/XXXX, they sent a letter stating, they are trying to get permanent credit. On XX/XX/XXXX they reversed the temporary credit without any explanation. I called and spoke with their dispute department rep. On XX/XX/XXXX and I was informed that their supervisor decided to reverse the credit. 

I am not responsible for the charges for services that I never received. I want my money back from the merchant and the credit card is not working to get it for me. They are heading me responsible. The merchant should be held responsible since they are one who failed to provide me the service.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXXXXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Mortgage

XXXX XXXX is deceased and I ( XXXX XXXX executor of the estate ) have been trying to do a short sale on the the house since XXXX of 2020. I have XXXX XXXX with the Negotiators of PA working on the file. The bank, Select Portfolio Servicing, has been playing games the whole time. After an original offer of XXXX, We submitted a full price offer ( XXXX which is exactly what the XXXX came in at ) along with all of the supporting documentation. This updated offer and HUD was sent in the beginning of XXXX. The entire process keeps getting delayed because the bank does not give all of the missing items or required changes in one update. They will give one or 2 things which we do and send in, wait another 5 days for an answer then they will have more changes ( that could have all been given at one time ). The other issue is that the don't call or send any updates. you need to call in each time to find out what's going on with the file. this will significantly delay things unless you're calling in every day. The latest ridiculous change they came back with was to add the signers name for the LLC to the hud even though that's not how it will appear in the deed. the third problem with this company is you speak to a different person each time you call in and they don't give you accurate updates because they can't see all of the notes on the file. The way they are treating this file for a dead woman is atrocious. There asking price which matches the XXXX amount. there is no reason to delay this any further. All we are asking for is the approval on this file so I can close out my mothers estate and move on with my life and my grief.
Product: Debt collection

I was alerted that I had an account in collections as via a credit monitoring app in XXXX of XXXX. I then reached out the collections agency to find additional information on this debt. ( IC Systems was the agency ). The Debt was owned by XXXX for internet services dating back to XXXX of XXXX. I reached out to ask for verification of the debt XX/XX/XXXX. I was told by the XXXX rep that I would receive a bill via email. 2 weeks later I called again because no bill was received and the rep stated that the bill was too old to be emailed but could be mailed physically. I requested that and waited another 2-3 weeks, still no bill. I  called again early XXXX and was told that the bill was too old to have a statement sent. I then asked that a request be put in to remove the equipment charge because I turned the modem in when I cancelled service. At this time the rep also told me that the reason I never received a final bill is because the final bill was mailed to my address that I moved from. So now I have no proof that the bill is valid and I am also having to put in a request to have an equipment charge removed. I call XXXX back on XX/XX/XXXX and they tell me that the case was closed for the equipment and that the charge for equipment would be removed and reported to the collections agency. I called the collection agency a week later to see if this had taken place and it hadn't. I waited and called again on XX/XX/XXXX and was told ( on a recorded line ) via the collection agency that if I paid the service charges of {$100.00} that the debt would be reported as paid that weekend and that they would hold the equipment charge on their end waiting for verification from XXXX. The rep stated my balance would show as XXXX. This was a lie. Between that date and today ( XX/XX/XXXX ) I have spoken with XXXX  and IC systems at least 4 times each asking why they are not communicating back and forth to clear this from my credit. I wasnt even provided valid proof of the debt but still paid the balance. XXXX  says I owe nothing but IC systems says I still owe {$78.00} for equipment. It has been 60+ days and the agency ( IC Systems ) can not seem to update their system even though the debt is now paid in full. They continue to report the {$78.00} balance to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX