23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The changed my name back to XXXX XXXX XXXX XXXX per Equifax confirmation received and attached on XXXX I am not a XXXX per a myriad of documentation submitted to Equifax, CPFB, and OEIG. Equifax 's mailed confirmation indicates that the freeze has been lifted when I explicitly requested it to be frozen and remain frozen, and has a XXXX at the end again, when I sent my DL, SS Card, Birth Certificates from the county and hospital. I don't know what's happening here, but this is unprecedented negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX. XXXX XXXX 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

I DID NOT AUTHORIZE. I DID NOT GIVE CONSENT
Product: Mortgage

On XXXX XXXX, 2015, I emailed XXXXXXXXXXXX a copy of a delinquent notice I received for my XXXX bond. The payment was due XXXX XXXX. After receiving no response, I called and spoke with your customer service agent XXXX XXXX on XXXX XXXX. He was very helpful and asked me to resend the delinquent notice directly to him. Several days later I received a voicemail message on my home phone from another Gateway employee that they had corrected the problem and payment had been made. 

On XXXX XXXX, I received via Certified Mail a notice showing that the original amount due had been paid, but the late charges were not. This was sent via email to XXXXXXXXXXXX on XXXX XXXX. Another follow-up email was sent XXXX XXXX after I had not received a reply. 

On XXXX XXXX, I received a second certified letter, so I called Gateway again. I can not remember the name of the representative I spoke with that day. Rather than just trying to get payment made I asked for an explanation why your company has such a hard time with a simple escrow payment. I was assured after XXXX minutes on the phone that a computer error was corrected and payment would be made. 

Through indirect channels, I learned my home was being prepared for auction to pay the outstanding balance. The XXXX bond website still shows XXXX has not made payment at XXXX Since I have a vested interest in maintaining my home, and Gateway 's staff appears to be functionally incompetent, I paid the outstanding fees via personal check on XXXX XXXX. 

Because all late fees incurred were caused by the failure of Gateway, I demand immediate reimbursement for the {$290.00} I paid to satisfy the outstand amount due as set forth in 12 CFR 1024.34 of the RESPA. I also request Gateway make any necessary changes to ensure all future escrow payments are made in timely manner.
Product: Debt collection

I had a  XXXX  account many years ago and closed it down. I was given some charges after the fact without notification. They sold it without notifying m  e to Jefferson Capital Systems. After that, interest began to accrue without my knowledge. It grew to {$310.00} as of 3 days ago when I found out about it on my credit karma report.
It has been over 3 years since they filed it. I 've never received a call or letter. I also ca n't contact Jefferson Capital Systems. Their online site only solicits messages from corporate interests and ignored my messages. I 've tried to contact them through any # or email or site I could find, but it is impossible.
I 've never had an otherwise unpaid payment as per my his  tory. I had a student loan which I paid in full before the end of graduating, so I do n't want this to have a negative effect on my limited credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Debt collection

I am not familiar with this company at all : XXXX XXXX XXXX OF OHIO
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to file a complaint against Lending Club. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Product: Checking or savings account

Good Morning, I am filing a CFPB complaint against CitiBank. 

Around XX/XX/2021 ( plus/minus 2 days ), I applied for a CitiBank deposit account online. Upon completing the application, the webpage said that my application needed to be reviewed. 

The next day, I called CitiBank to get an update of the application status. The employee said that he saw the account was opened and then immediately closed by CitiBank. He then invited me to re-apply over the phone, which we did at that moment. Upon him finishing the application, he said that the account could not be open. He provided me with a new accounts servicing department phone number to get more information, which was closed at that moment ( it was the evening hours when I called ). 

I then called the new accounts servicing department a day or two later, and they said that they can not verbally tell me any information, aside that I would need to wait for a letter via XXXX that would be dated XX/XX/2021. 

On approximately XX/XX/XXXX, I received a letter in the mail from CitiBank, but it was a letter that did not provide me with any meaningful information regarding the issue at hand. ( see attachment image ). 

On XX/XX/XXXX, I called CitiBank again for more information, and was transferred around and spoke to 4 different people. When I got to the fourth person, they said the " system was down '' and they were unable to assist me. 

I believe that CitiBank has been acting inappropriately and in bad faith, as they have refused to provide timely information to me as they originally promised. I am seeking to get the information as to why the account was opened and then immediately closed. There is written evidence the account was opened in the attached letter that was dated XX/XX/XXXX ; note the last four digits of a debit card that is in the upper left corner.
Product: Debt collection

- End of XX/XX/2023 I called XXXX XXXX XXXX in XXXX, Virginia and requested to cancel my membership. I was told it's done and all is good. Money was still going out of my bank account to pay for membership, so I emailed several times and asked for membership to be canceled. I received an automated reply saying " sorry but we can not locate your account ''. I assumed that my membership was canceled at that point. 
- In XXXX I started receiving multiple phone calls from XXXX XXXX XXXX, a XXXX number, saying that they lost my billing information due to a billing error from their end. I simply didn't answer those calls because I thought they were scam calls. 
- Today I received a phone call from a collection agency, a Law Office, asking me to pay a balance of XXXX dollars, and if I don't pay the collection agency will send it to the credit bureau. 

- I have not used the gym since XXXX. The membership status on the Gym application is canceled. They charged me XXXX dollars for XXXX and another XXXX for XXXX. When I questioned them about the XXXX dollars, and what it is for, they said it's money due and they can not answer which part of the contract it's covering. The membership is XXXX and the one-time annual fee is XXXX which I was charged back in XXXX. 

I refuse to pay this amount because I requested to cancel my membership, and the person who answered the phone said it's been canceled. I emailed them to cancel and they said they couldn't locate my account, and now they're saying you can not cancel unless you physically come into the gym and write a handwritten letter asking for cancelation. Meanwhile, my account says " canceled membership '' on the application. 

Notice the screenshots attached. They mistakingly charged me an extra XXXX dollars, and they refunded the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reporting the loss of my debit card to my bank, I had to rely on writing checks while I waited for my new card. I attempted to write a check for {$200.00} at a XXXX XXXX XXXX and the check was declined by Certegy Check Services even though my account balance on any given day is more than four digits in front of the decimal place. In addition, I have never written a bad check. In fact, I don't usually write checks, relying upon my debit card instead. I attempted to contact Certegy to get more information and found they only have an automated system that will not allow you to speak to a human being. The automated system gave me a very vague reason for the decline so I went to their website and received the same vague message ... This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details ... If a company is going to impact my credit score and store information in a credit file regarding my transaction history, I should have been told the specific reason why an adverse action was taken. And while the receipt I received at the Super Market indicates I am able to dispute anything in my file, they do not have an option to do so on their automated system or website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, a false report showed up on my account under the company name of " Syncb ''. The details included in said claim falsely reported that I had a credit card open with this " bank ''. I've never opened a credit card account with any bank, so as one would assume, this came as a shock to me. I did some research on this company. Coming to find out that I've not been the only person to have this issue with the same company party reporting false claims on the credit reports of other people. On XX/XX/XXXX, I finally contacted the CFPB by telephone and left my contact information with them after explaining that I'm looking to have the claim removed. I then took the initiative to file my complaint online, after it being explained to me as the quickest way to have the claim disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing inaccuracies on my credit file with XXXX, XXXX XXXX, and Equifax in XXXX of last year. I have sent them now 3 sets of letters starting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have inaccurate account information, accounts that are not mine, inaccurate inquiries. 

Equifax has only responded to ONE letter, the others continually respond with " more information needed '' or just a new report with the same inaccuracies. This has seriously impacted my credit ability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been current on all my payments to Target and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem 1 : I am unable to get a letter confirming my car has been paid off. When I call I am left online pressing buttons and get caught up in a loop. Unable to speak with anyone. 

Problem 2 : Late payment incorrectly reported for XX/XX/2021 and XX/XX/2021. 

Problem 3 : The last statement online is showing that there is still a balance. This is incorrect. I need a statement showing this loan has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems is not abiding by 15 USC 1681 ( a ) ( 4 ) in upholding the consumer right to privacy.

I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 

1. PLEASE REMOVE FROM MY CREDIT REPORT Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT InquirerXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX This is my third attempt. 
Under federal law, you have thirty ( 30 ) days to remove inaccute and unfair data from my account.
Product: Credit card

I called XX/XX/XXXX to inquire why there was a balance of {$11.00} when I was issued a credit for a late fee? I got XXXX who immediately start asking me what the credit was for and insisted she couldn't help me unless I answer her questions. I had ALREADY told her it was for a XX/XX/XXXX late fee and repeated the confirmation number, asking if she had it on record. She said she was a Synchrony customer service representative and didn't care about the confirmation number. I invite the company executives of Synchrony to listen to the recorded conversation.
Product: Vehicle loan or lease

Reference : XXXX XXXX On multiple occasions, I reported to Sun Trust XXXX now Truist ) that there were some inaccuracies with the above detailed loan that must be corrected at once. 

Firstly, the originating loan amount was {$23000.00} at an interest rate of 4.75 % for 72 months, that entails monthly payments of {$370.00}, please correct an apply the right amount which is not the current {$370.00}. I do not have to pay XXXX cents more monthly because the correct amount is {$370.00}. 

Secondly, due to the pandemic the bank offered us forbearance of 6 months. During those XXXX months from XXXX until XX/XX/XXXX, the total interest was {$530.00}. When I resumed my payments in XXXX, Sun Trust held XXXX full months, XXXX and XXXX as interests only which is also incorrect. If you check the statement received from Sun Trust {$750.00} were applied as interests paid, nothing was applied to principal, when it should have been applied {$530.00} which is the correct interests for 6 months. With the profitable assistance for the bank, I want to know the exact amount of how much I would end paying in interests if I keep the loan for the entire 72 months. 

Since XX/XX/XXXX as of today, I have made XXXX payments and the remaining principal should be {$17000.00} not {$18000.00}. 

For all the above, there is a discrepancy of {$740.00} that MUST BE CORRECTED AT ONCE and proceed to apply the correct monthly payments for {$370.00}. XXXX. 

The attached letter was sent before proceeding with the XXXX payment, and the response received from Truist was utterly unprofessional and pathetic, and never responded these XXXX specific issues just stated the interest paid in XXXX for {$1100.00} and that information is also incorrect, I paid {$1200.00} in XXXX. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Sunday, XX/XX/XXXX at XXXX XXXX I received a text and email fraud alert from Chase Bank. I was asleep at that time and was not able to reply to the attempted charges. Upon waking up on that same day, I realized my account had been compromised and that my debit card was missing. I immediately called the bank to open a claim and cancel the card. I was told that a claim would be opened and that I would received a temporary credit for the charges in question. A few weeks later, I notice that the credits in my account had been reversed. Upon calling Chase and inquiring the reversals, I was told that they deemed the details of the claim insufficient and that the fraud claim would not be honored. I called the claims department and was told that there was not enough information to confirm that my card was not in my possession or that I was not the one who used the card for the charges in question. I was told to come up with evidence to prove it was not me and to fax over the evidences. I was confused on what I could use as evidence to prove it was not me so I decided to visit my local branch. At the branch, I was helped by a gentleman who told me that I could submit the text alert, the email alert and the details of the transaction printed from the Chase banking website. These evidences would prove that Chase flagged it as fraud and that I was confirming their suspicions. I submitted all the documentation and escalated the claim. I then received a call from the person assigned to my claim stating that they would look into the denial. 48 hours later, I received another call from that claims manager informing me that the decision made by Chase to deny my fraud claim would stand. According to the claims manager, Chase is saying that because the location of the fraud is within, my scope of region, Chase believes I did in fact process and approve the charges in question. I then called the claims department again and was told to come up with more proof that I was not at those locations, at that time using my card.
Product: Debt collection

Debt not mine. It is showing up Transworld Systems INC from a hospital called XXXX XXXX. Please have Transworld Systems INC remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$33.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.
Product: Debt collection

I have a collection from LVNV in the amount of {$360.00} dollars the account number is XXXX by 15 us code 1692c if a consumer notifies a debt collector to cease further communication with the consumer the debt collector shall communicate further with the consumer with respect to such dept
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i noticed some inquiries that i did not authorize : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In 2017 XXXX XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. XXXX has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again XXXX for the frivolous reporting as this is my fourth and final notice. You all can not ignore COURT ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX and DC NO. XXXX. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of US Court Of Appeals, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within 30 days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.
Product: Credit reporting or other personal consumer reports

Information on credit reporting agency 's such as XXXX XXXX and XXXX had mismatched Information regarding my personal information such as work history, credit reporting agency have open account that can be closed and taken off due to debt no longer exists but says active on my report by the name of XXXX XXXX XXXX  debt collectors such as portfolio recovery do not have a signed copy agreeing to pay back debt to collection agency that bought debt from original lender,