23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I logged online to Citibank Diamond Card. I have a been a long time customer of this company since XXXX. When the pandemic started the company lowered our credit limit to right above what was owed on the credit card. This affected our credit score because it was showing that my credit card utilization was at 97-98 %. We struggled when Covid hit, to make payments. We reached out to the company and made payment arrangements. The latest a payment had been was 60 days late. We brought the account current and made payment arrangements and took advantage of the assistance being offered. When the last payment arrangement was made on XX/XX/XXXX everything looked good. On XX/XX/XXXX the company closed our account without our knowledge. We still not received any notification. Citi Bank confirmed our mailing address. We still have not received notification for the limit decrease or notification of cancellation. Our credit cards happened to expire on XX/XX/XXXX and no new credit cards had been mailed out or issued in their system. I believe they had planned to cancel the card prior to XX/XX/XXXX since no new cards had been issued. We also paid for additional services on this credit card. This protection was supposed to help with any type of job loss etc and assist with payments or debt forgivness. We paid for this service for 11 years and they were unwilling to assist us even after we called and let them know it was due to job loss. I reached customer service by telephone and after many painful conversations with the intial customer service reps, I finally was transferred to a supervisor. Let me just say its absurd how rude these intital customer service reps are who answer the phone calls. They were insulting and rude customer service people unwilling to help and told me I had to wait for my letter for reason of cancellation before they could assist me. I find this completely rude and unprofessional and were unwilling to help. I had one customer service person who refused to transfer me to a supervisor and said my husband must be on the phone with me prior to transferring the phone call only to wait another 30 min for a supervisor. I still do not have an answer for the reason my card was canceled. I cant believe that this company is so unforgiving at the time of a major pandemic, resulting in a ruined credit score that will take years to repair.
Product: Debt collection

Hello, my name is XXXX XXXX unfortunately I got laid off from work at XX/XX/XXXX, due to covid19 pandemic and XXXX XXXX sent my card to collection, I got call from company called Gatestone ( what I find out when I asked who is that ) and I was notified that my balance is XXXX. XXXX $ cents ( right now its about XXXX $ ) at what I responded that I have no chance to pay any amount on any of their fake arrangements ( they told me pay XXXX $ min no matter what, thats funny I need to save money for food cuz here no work ), since that time they added like XXXX $ in fees about which they never told me or sent in email, when I asked why my balance goes up all the time they told me we dont know, ask your bank, after what I called bank and they told me that this is collection company responsibility and they cant access account. 
Other problem whats making me mad is their calls, they didnt missed any single day in last 2,5 months without calling me like 2-3 times a day minimum, sometimes when I pick up the phone they dont even saying nothing and just hang up, but when they start speak they trying to get all the info like SSN, DOB and my name before introducing themselves.

2 weeks ago I called them trying to speak to supervisor and find the way to make some kind of arrangements and somehow stop those calls and very first second he started yelling on me and acting arrogant and mad, breaking me while Ive been speaking with him so I didnt got more passions for that and hang up. 
Right now Im still laid off and waiting for my workplace to reopen on next phase ( Resident of Florida ) and any money I have left I need to keep for food AT LEAST, to survive that. 
P.S - photo below its the only one email what they ever sent me, sneaky liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

In XXXXXXXX XXXX XXXX my identity was stolen. An individual went to the bank and cashed two fraudulent checks under my name. I was unaware of the transactions and found that the bank withdrew around {$4500.00} from my account to repay the fraudulent checks that were cashed using my identity. 

Since XXXXXXXX XXXX XXXX  I have made a police report for stolen identity and have spoken to the police multiple times to assist with the case. I have also contacted the bank over twenty times to release the footage to myself or the police. The bank has never pulled the footage and have not cooperated with the police to help find the individual that stole my identity. When I call the bank, I am told that they will " make notes '' and " tell the supervisor ''. It has been a year and I have not been refunded the money that was stolen from me. The bank will not cooperate with me. The bank will not cooperate with the police. I have been unable to speak to someone in an authoritative position to help resolve these issues. 

Since the money was taken out of my account, I have struggled to pay rent, my car notes, utilities, groceries, and other various bills. I have never overdrafted with this bank, nor have I ever been in bad standing. The bank allowed someone other than myself to come in and cash checks under my name without the funds being in my account. The bank allowed the identity thief to cash two checks in the amounts of {$12000.00} total without the funds being in my account. 

I have done nothing wrong and have been punished by this bank for the wrongdoings of others. I am financially struggling and would like the money that I earned returned to me. I filed police report. I have cooperated in any way that I can and can not get answers or resolutions from the bank. My balance is negative {$8000.00} as of now and I am out of options. Please help me get back what I worked for.
Product: Vehicle loan or lease

HONDA FINANCIAL REPOSSESSED MY VEHICLE, I PAID ON XX/XX/XXXX A CASHIER CHECK FOR THE FULL AMOUNT THEY REQUESTED, {$10000.00}. I CALLED XX/XX/XXXX, TO ARRANGE PICKUP OF MY VEHICLE, I WAS INFORMED THEY WILLL NOT TAKE MY CASHIER CHECK BECAUSE I WROTE MY ACCOUNT NUMBER ON THE CHECK AT THE TOP NEAR MY NAME. WE WILL CASH YOUR CHECK, AND WHEN IT CLEARS WE WILL SEND YOU OUT A NEW CHECK ON XX/XX/XXXX, AND WE WILL NOT CHANGE THE SALE DATE OF THE CAR SCHEDULED XX/XX/XXXX BECAUSE WE ALREADY CHANGED IT PREVIOUSLY. I DO NOT REMEMBER REQUESTING A CHANGE ON THE DUE DATE AS I PAID IN FULL AS THEY REQUESTED ON XX/XX/XXXXXXXX  WITH AN OVERNIGHT EXPRESS CASHIER CHECK. 
HOW IS IT LEGAL TO POSSESS MY VEHICLE AND MY MONEY, KEEP THE VEHICLE IN STORAGE, CHARGE ME A DAILY FEE THAT SHOULD HAVE CEASED ON XX/XX/XXXX? I REQUESTED TO SEND THE KEYS OVERNIGHT, THEY CUT A KEY AND ARE ADDING AN ADDITIONAL FEE TO THE ACCOUNT. WHEN YOU CONTACT THE PHONE NUMBER YOU WILL BE IN CONTACT WITH A REP THAT IS OF NO ASSISTANCE, ACTS LIKE A ROBOT, I AM SORRY THIS IS OUR POLICY. YOU CAN NOT SPEAK TO A MANAGER, RECEIVE ANY PHONE NUMBER OR EMAIL OR ADDRESS OF CORPORATE, OR A HIGHER LEVEL OF SUPERVISION. THE CASHIER CHECK MUST BE VALID AS THEY CASHED IT AND DEPOSITED IT INTO THEIR OWN ACCOUNT, THIS SITUATION IS TOTALLY UNFAIR AND ILLEGAL, I SHOWED GOOD FAITH BY PAYING IN FULL ON TIME. IF THEY SELL MY VEHICLE WHICH IS WORTH MORE THAN THE {$10000.00}, THEY WILL ADD ON TREMENDOUS AMOUNTS OF FEES, STORAGE, PROCESSING, ETC... AND DEMAND THAT I PAY FOR THIS UNFAIR TRADE PRACTICE THAT HONDA FINANCIAL THINKS THEY WILL GET AWAY WITH. I NEED YOUR HELP IMMEDIATELY, I WANT MY CAR RETURNED TO ME, I WANT ALL THESE EXTRA FEES TAKEN OFF MY ACCOUNT, THEY NEED TO APOLOGIZE FOR THIS HORRIFIC TREATMENT OF ME, THE CONSUMER, AND THEY SHOULD BE FINED FOR KEEPING MY MONEY AND MY CAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my XXXX XXXX to be updated and reflect the following information as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX named XXXX XXXX ASSOCIATES HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES, I HAVE THE RIGHT TO PRIVACY 15 USC 1691 SECTION 604 A SECTION 2. I ALSO STATE OF CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN, THIS ACCOUNT DOSEBNT BELONG TO ME. I NEED FULL INVESTIGATION AND SEND COPYS TO ME WITH WHAT EVER RESULTS INCLUDING PROFF.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : XXXX  , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing my credit report with Experian regarding false information from XXXX XXXX XXXX on XX/XX/XXXX. I have since disputed this same information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Dispute always comes back with same information that is wrong. In XXXX I filed Bankruptcy but XXXX XXXX XXXX was not included in it. I had a XXXX XXXX XXXX that I purchased from them in XXXX. I paid off all my loan with them each month and received the title to the car. They continue to list that I bankrupted with them even after sending copies of my filing papers which clearly stated they were notified only. They continued to collect my payments each month until the car was paid off and became mine. This has been very frustrating and time consuming, needless to say it is false information listed on my credit report. Experian has done nothing either even though I sent them all the documentation via their Complaint Center in their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact wity Experian to dispute items on my Credit Report within the last month. my disputed items we handled however they continue to provide false Information when I apply for credit and on their site when i log in IN their website to review the information. I've talked Top representatives about this and they have told me they cant see what I see or what the credit companies I applied to are seeing. today after i waa denied a credit increase i requested the reason. i also logged into Experian to look at my report, count my accounts and add up all my balances. the numbers i came up with are different than what is being reported. also the information from Experian to XXXX XXXX, per the XXXX XXXX representative determined the denial which was all inacurrate. i have a total of 30 + closed accounts that are paid as agreed. all were in good standing. My history is well over 15 years old. i hace 1 negative item thats 2 years old. 5-6 hard inquires, i have 6 open accounts all in good standing, never late, and my total usage is below 30 %. total credit {$10000.00}. credit used : {$2800.00}, Available credit {$7400.00}. Via Experian.com my total credit is XXXX, utilization is 33 %, credit debt {$3400.00}. XXXX XXXX said Experian reported this about my credit : Too few accounts paid aa agreed, credit score XXXX as of XX/XX/XXXX, XXXX, Ratio of revolving balances to credit limit is too high, Insuffient # of satisfactory accounts, length of time accounts established, 2 many inquiries. accordinf to my own review of my credit they are reporting inacurrate information causing my score to be low and credit denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

-On XX/XX/2020 I applied for a mortgage and my credit report was legitimately accessed by the mortgage company -It was discovered that my credit was significantly impaired due to a fraudulent delinquent item on my credit report -The charge in question for {$1700.00} was fraudulent, details as follows : XXXX XXXX, Account # XXXX, opened on XX/XX/2020 -Sent to collection XX/XX/2020, collection company : -XXXX XXXX XXXX, phone # XXXX XXXX XXXX XXXX  XXXX  repeatedly, they answered but hung-up each time upon transfer or otherwise -Called XXXX XXXX XXXX XXXX repeatedly and they hung up on me each occasion -Fraud report # filed under Experian : XXXX -Police report filed on XX/XX/2020 with our local police dept.
Product: Mortgage

Mr. Cooper a mortgage holder for my home loan also manages an escrow account used to pay my property taxes, and insurance. On XXXX, my wife contacted Mr. Cooper and requested our property taxes be paid. They are currently due to the county of XXXX XXXX, and will be past due on XX/XX/2020. We are refinancing our home loan with another lender and communicated this to Mr. Cooper 's escrow department. She even spoke with a supervisor of the escrow department and was informed they would only pay the current taxes 10 days prior to XX/XX/2020. Mr. Cooper was reminded that they were within the 60 days and should be paid the taxes now. They refused to provide the monetary payment to the county of  XXXX XXXX. I called Mr. Cooper and also attempted to request they pay our tax bill on XXXX. Again they refused and would not discuss their refusal to pay XXXX XXXX County other than " it is our policy to wait until 10 days prior to your bill being delinquent to pay. '' We requested that our escrow account by closed and the monies returned to us, so we could make the payment. They insisted our debt ratio was to high, I informed their staff our home had a recent certified appraisal completed and was below the 80 percent threshold the State of California required to close the escrow account. They refused to accept a certified appraisal and would only look at the amount of monies their company financed four years ago. When they were reminded the value of property had increased they would not listen or allow for an adjustment.
Product: Student loan

I have a school loan with a company out of Kansas that was called Educational Computer Systems Inc. or ECSI, now they are known as Heartland ECSI. My current balance is XXXX. The last statement I received from them is a bill stating that I am 30 days past due. Which came as a surprise to me, because I am supposed to be " in-school '' status. I am currently attending The XXXX XXXX XXXX XXXX online. I did have to drop from full time status for one semester because of the class schedule they have worked out for me. I have tried to get in contact with ECSI once I realized this and for the past week on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to no avail. I have tried by phone, by chat and by their site. Apparently their site is down. I can understand the site being down, but what about the phones? Ive put my number on their list to call back three times, ... nothing. I was on hold for over an hour on the XX/XX/XXXX too. I ca n't help but think that they are n't doing every  thing that they can to keep in contact with their borrowers.
Product: Debt collection

This. company Choice Recovery appears on my credit report for {$550.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX XXXX the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different XXXX XXXX student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120 day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on XXXX XXXX XXXX side and I need help to exercise my rights.
Product: Credit card

I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Credit reporting or other personal consumer reports

Theres an account reporting on my credit report with transunion that doesnt belong to me XXXX XXXX XXXX XXXX XXXXThis account has been deleted from XXXX XXXX XXXX XXXX however, its still reporting on transunion this account is fraudelent and im requesting a removal of this account from my credit. I tried calling Transunion but could not get through to a live representative.
Product: Debt collection

I didnt receive notice of the debt, I do not authorize that debt according to my consumer rights. I have tried to dispute multiple times do to my rights of them reporting false information upon my credit report the information is inaccurate an LVNV FUNDING LLC does not want to respect my rights an a consumer they are violating them. That has taken a big toll on my credit report an would like to have it deleted and removed off my credit report.
Product: Credit reporting or other personal consumer reports

I would like you to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$950.00} XXXX XXXX XXXX  XXXX XXXX : {$5400.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX