23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I bought my car through XXXX XXXX XXXX In XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$200.00}. I owed {$190.00} plus late fees for XXXX payment, and XXXX payment of {$190.00}, I call them and told them the payment was made. They said it was alright and when could I make another payment. I told them another payment would be made on XX/XX/XXXX and that was good with them.Nothing was mentioned to me, and I never received anything in the mail being repo On XX/XX/XXXX they had my car repossessed, when I called them and asked about it, '' They were not very helpful and would not try to explain the reason for this ''. All they would tell me is to pay {$500.00} dollars and I could get the car back. After they told me that making a payment next week would be fine. I called and ask to speak with a supervisor they would not get one, so I talked to XXXX, I got the same thing from her saying pay the {$500.00} to get the car back. She told me {$200.00} was for past due and {$300.00} for repo fee. I also have to send proof of insurance,2 check stubs, and a utility bill in my name for proof of address. I have always made payment arrangements with them in the past when behind and always got it caught back up as fast as I was able. I was also told when I called at XXXX XXXX on XX/XX/XXXX that I had call and told them I wanted it repo.
Product: Checking or savings account

On Monday, XX/XX/2023, I made a deposit of {$10000.00} into my Citibank account. I also activated a new debit card. When I attempted to purchase something online, my card was declined. I then received a fraud alert via text, asking me to call. I called, identified myself, verified that it was I who attempted the charges, but was then told my account would remain under review and be inaccessible to me for XXXX hours. No one at Citibank will tell me why. I XXXX or XXXX not hear from someone.
Product: Checking or savings account

I cant upload my identity Information And verify opening this account everytime when i try too upload and take the picture of my State ID The SoFI Website is not letting me take the picture and am unable to complete the verification to open the account everytime when i try to use the Sofi Mobile App keeps crashing and cant use the SoFI Mobile Banking App SOCIAL SECURITY : XXXX
Product: Payday loan, title loan, or personal loan

On or around XXXXXXXX XXXX XXXX  I found out my identity was stolen and used to open up several accounts. At this time I contacted lending point who was one of these account holders ( XXXX XXXX ) sent them a copy of my FTC Identity Theft Report and informed them the information they are reporting is the result of identity theft, and I asked them to plz correct this fraudulent information by Removing any charges on this fraudulent account, and Closing the fraudulent account as soon as possible to which they have yet to do. I am still making payments on this fraudulent account to protect my credit score when I shouldnt have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified and unauthorized accounts and inquiries appear on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute a debt reported by your company, Portfolio Recovery Associates. I have reviewed my credit report, and I do not recognize the debt in question. I did not sign any contract or agreement with your company. Therefore, I am requesting that this debt be deleted immediately from my credit records.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 1 ) ( A ), I am entitled to dispute inaccurate or incomplete information on my credit report. If this debt can not be verified as valid and legally owed by me, I request that it be removed from my credit file within the 30-day period as outlined by law. 

Additionally, under FCRA Section 1681e ( b ), you are required to ensure the accuracy of the information provided to the credit bureaus. Given that I have not entered into any agreement or contract with your company, the debt reported is inaccurate and can not be verified, which violates my rights under the FCRA. 

I ask that you provide me with the following : A copy of the original signed contract or agreement that links me to this debt.

Detailed documentation showing that I owe this debt and that your company is authorized to collect it.

Any other evidence that substantiates the claim that I am responsible for this debt.

Please note that if you fail to provide such proof or do not respond within the 30-day period, I will expect the debt to be deleted from my credit report. If this matter is not resolved, I will consider taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter. Please respond in writing to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

I have attached a copy of all supportive documents for my statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on My Experian and XXXX  credit report as of XX/XX/2019 from XXXX XXXX. XXXX XXXX says they never made an inquiry and to call Experian to take it off there is nothing XXXX XXXX can do about it. Experian says call XXXX XXXX and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from XXXX XXXX and the Hard Inquiry in on there from XXXX XXXX. XXXX XXXX says they only made the Hard inquiry to XXXX  and not Experian. XXXX XXXX has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only XXXX XXXX can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I experienced financial hardship because I had XXXX and was unable to work. I was late making payments on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Carmel Financial
Product: Debt collection

On XX/XX/year> at XXXX I was contacted by a representitive ( XXXX  ) of " Credence Resource Management ''. 

I asked who was calling me and XXXX told me he was from the above named company. XXXX asked if he was speaking to me a I confirmed my name. XXXX asked me to verify my address information. I declined to do so and asked if XXXX was a debt collector. XXXX remained silent and demanded I verify my address information. I declined a second time and asked if XXXX was a debt collector. XXXX refused to answer and said that I was required to verify my address information. I declined a third time, stated XXXX was required to immediately identify themselves if they were a debt collector. XXXX again refused to identify and demanded I verify my address. I declined for a fourth and final time, stated I was filing a complaint, and ended the phone call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports. 

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report. 

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Product: Credit card

I am a victim of the worst customer service credit card, Macy 's. 
On XXXX XXXX, 2010 I spoke to XXXX XXXX XXXX from Macy 's Customer Service were I inquired about phone calls I received indicating that I had a delinquency in my account. She informed me that there was a {$37.00} charge pending payment and I expressed I did not recognized the charge as been my purchase. I also expressed my complete frustration with Macy 's Customer Service because I never received my credit card statements and I had called more than XXXX times to correct my address but always got a Customer Rep from XXXX and not even dictating every single word never got my address corrected. I had to go to the store every month with my receipts to pay in full my credit card. She indicated that my statements came back to Macy 's as undeliverable mail and corrected my address once again. She sent me copy of the {$37.00} receipt ( finally I receive something ) and I still did not recognize the purchase for which reason as she explained I should do ; I sent a dispute via fax to Macy 's XXXX disputing the {$37.00} charge in my account indicating I understood it was fraudulent and requesting an investigation. I also mentioned my complete dissatisfaction with Macy 's very poor Customer Service. Evidently, Macy 's was negligent in processing my dispute and investigation as I ended up with a collections/charged-off account for the first time in my life which has damaged the excellent credit I have been able to build up with many sacrifices over the years. This is a burden I now carry that is impeding me to refinance my mortgage because of my credit being damaged in all three major credit bureaus. 

Needless to say, I am a very responsible and thorough person with all my debts and have never had issues with other lenders where I have over XXXX in credit and all my accounts are paid as agreed. And I would definitely not neglect my credit for a {$37.00} charge!! 

I have been in contact since XXXX XXXX with both Macy 's and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX who now owns my Macy 's account and even XXXX XXXX the collection agency XXXX issued a dispute of the collections/charged-off account to be taken out of my XXXX credit reports. But today is XXXX XXXX and Macy 's has not solved this issue and I still have not been able to refinance my home! 

This has been a nightmare that has no end and Macy 's needs to be held accountable for the damage they cause to clients who like me have a damaged credit because of their own negligence.
Product: Credit reporting or other personal consumer reports

To whom it may concern : My goal is to ensure that the information on my credit report is accurate and reliable. I have decided to use my rights under FCRA to challenge any information in my credit report that is not accurate. This is just an allegation at this point, so I need you to provide evidence before taking any drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. I'm fighting back against this injustice so I can get my life back! Please send over some physical proof of what has been done and an updated credit report.
Product: Credit reporting or other personal consumer reports

I ask XXXX and Equifax please review the address and phone number associated with XXXX credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the XXXX credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the XXXX credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with XXXX and Equifax and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the XXXX credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.
Product: Mortgage

I have had a mortgage with Citimortgage for the last several years. Subsequently, my home fell underwater, and subject to foreclosure. I tried several avenues of resolution with Citimortgage but to no avail, forcing me into bankruptcy in an effort to keep my home. I was made aware of a settlement based on a news report on XXXX somewhere around XX/XX/XXXX or XX/XX/XXXX. 
Upon the resolution of the Homeowners Settlement with the federal government naming Citimortgage as one of the defendants, Citimortgage transferred my mortgage to XXXX Mortgage A Division of XXXX XXXX. During my time with Citimortge I continued to try to work with Citimortgage asking about said settlement, and how I can apply for it. My Homeowners Support Specialist of Citimortgage was XXXX XXXX XXXX during this time. I also asked several times to have my mortgage refinanced, or some help with the modification that never lowered my principal. They awarded me a modification at one time, That significantly had me owing much more than what the home was worth, further increasing my debt, and severly sinking my mortgage underwater. On XXXX XXXX, XXXX, I obtained information regarding the settlement from the Consumer Protection & Anti-Trust Unit Department of Justice in Wisconsin outlining the requirements for eligibility and I found that I am eligible. 
I contacted Citi mortgage on XXXX/XXXX/XXXX and spoke with a XXXX, id. no. XXXX who stated she would not be able to give me any information with regard to the settlement because my mortgage is now with XXXX XXXX. I asked for a supervisor and after holding for XXXX minutes was told I could not speak with a supevisor, and that she spoke with a supervisor and the supervisor suggested I speak with XXXX XXXX. I asked, why would XXXX XXXX be concerned with Citimorgage 's settlement, they have nothing to do with it, and could I please speak with a supervisor. She stated I would not be able to speak with a supervisor because they do n't have my file and I should seek answers with XXXX Bank. Needless to say I called XXXX, who only referred me back to Citibank, stating they do n't have anythig to do with Citibanks/Citimortgage 's settlement, and Citi should have discussed this with me. After another round of calling Citibank and being thrown into a vicious cycle, it became clear that I was being handled improperly, and possibly a federal law had been broken. The help or assistance that was designed for people like me was in essence was denied me. My complaint is that Citibank/Citimortgage has and is denying me my right to that assistance and have cost me greatly in trying to keep my home.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

*************************************************************************************************** In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

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

I paid {$4000.00} to pay off in full a XXXXl XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Debt collection

The company is XXXX their phone # is XXXX XXXX at XXXX am they called my place of work. I answered and they asked for me using my full name-when I asked what it was regarding they said it was personal. I said it was me & they wanted to talk to me about a bill because they could n't reach me by phone ( had my phone # changed when I switched carriers several months ago ) I had a patient standing in front of me waiting to get checked in so I told her to not ever call me at work again or I would get XXXX of an attorney. This was very embarrassing for me as my co-workers and the patient heard the whole thing. Very sad that they would stoop that low and put my job on the line by calling me at work. We are not supposed to take or get personal calls.
Product: Credit reporting or other personal consumer reports

I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that this account should be corrected right away : XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX  XXXX  XXXX Balance : {$5700.00}.
Product: Mortgage

I have an FHA Mortgage and took a Partial claims loan for some miss mortgage payments when my mortgage was in forebearance. I sold my home and submitted my request to get the payoff amount for the Partial claims loan on XX/XX/2021. The website says to please allow 6 days for the payoff amount. My house sold on XX/XX/XXXX and I went through closing. The closing company heldback 1 and a half time my 2nd mortgage amount at closing until we could get a payoff from HUD. Apparently the payoff requests are processed through a 3rd party because i had to email the request to XXXX. 
I have placed calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ( each time waiting at least 40 minutes before i could speak with someone ). No one can tell me anything. They all admit that my request was submitted properly and that they will escalate the complaint or have someone call me and they never do. It is XX/XX/XXXX now 21 days after my request for the payoff and no one will let me speak to a supervisor or anything..it 's the same old thing, we will escalate your complaint. A lot of good that has done! I have thousands of dollars from the sale of my home being held up.I have no recourse but to wait..but for how long..this could go on for months or years..no one will give me a straight answer.