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

Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX for Address Update Dear Sir/Madam, I am writing to request an update to my address information on my credit file. Please update my records to reflect my current address as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Employment Status : Unemployed If you need any additional information, please do not hesitate to contact me at the address provided above. 

Thank you for your prompt attention to this matter. 

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

filing a complaint aganist EQUIFAX, illegally let XXXX XXXX obtained a copy of my EQUIFAX CREDIT REPORT, .i did not give equifax permission nor permission ..no letters to authorized no one to go into my credit report, i have not put in an application for a loan or a credit application. 
that is how idenity theft creats in that mannor ... i have a freeze on my information ... 
alert date :XXXX.2017 source : Equifax company : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX said to be used as a result of a loan or credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from Lexis Nexis either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from Lexis Nexis. I want them to send the removal notice to XXXX and XXXX to delete these items. 

XXXX has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''
Product: Student loan

For the past 30 years my husband conslated student loans which we were forced to consolate at 8.3 percent will not be able to refinance and from a loan. We have tried for 20 years to get public service student loan forgiveness and XXXX forgivenss, but the same patters happen things paper gets lost, they never recieved it, or we never qualify for what ever reason a loan of XXXX has now increased to XXXX because instead of sallie maie and navient helping us they pushed us into forebarance which that company capitalized in thier inrest into the amount that is now.  Our salaries will never let us pay that amount off.  We are both XXXX  years old and will never be able to retire. Naviet and sallie mae are crooks that guided us into debt that we will never be able to pay. We need help!
Product: Credit card or prepaid card

Citi Bank Shut down my Credit card s Accounts for no reason and all of a sudden The credit cards was established in   XXXX   and after which should represent and play an important role in the Ages of my credit if they where still open. pls see attached chart from experian where the chart shows that Age of credit History factor around  % 30 percent from my FICO credit score now i have to pay the price very high and are very costly to take out a mortage loan with my only current credit score   XXXX  FICO so i have to jump to  XXXX  to get those Pricing for the  APR on the loan see attached estimate from my loan officer i called today Citi Bank Credit cards C ustomer service on  XXXX   XXXX  and tried to reopen an account that was closed previously but it was denied automatically they only keep the accounts that i shows it was closed by consumer in customer service System, the account that is closed by credi t grantor they keep it in the ARCHIVE where no one can access it according to what they are Saying but they forgot that those account shows on my credit report pls See attached report page 5 and 6 Customer Service at CITI CARDS calls will go no where and supervisor wo n't help they refuse to open any old account and they are not aware that they Damaged my credit report even tough i had a great payment history with CITI cards among all the 7 to 10 Credit cards i had with high Credit Limits
Product: Consumer Loan

I had a XXXX credit score and the only loans I had were federal student loans which I have been paying on time without any deferment. I went to finance a car from XXXX XXXX, XXXX XXXX Nj and they ran my credit report to approve my financing for the vehicle. They out XXXX hard inquiries on my credit report without my authorization while i have the documented proof that I only allowed them once to run my credit report. They ran it XXXX without authorization and put XXXX hard inquiries on it which led my credit to drop from XXXX to XXXX within a month, first from XXXX to XXXX and then from XXXX to XXXX.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I reported to my bank, Suntrust Bank that someone got into my bank account and changed the address. I called Suntrust and Answered all the questions on the phone that they asked but the said they could not sent a security code to my phone so I had to go in person. They locked my account. I went in person on Monday XX/XX/XXXX and changed my log in and password. On XX/XX/XXXX they got in again changed my address and changed several XXXX dollars on a credit card that I had not used since XXXX. They also withdrew some money on my checking account. I requested that the credit card be closed. They closed it and opened a new one that I didnt ask for. I do not have the new number I only have the original number. I was refunded the money except a {$740.00} charge on the credit card is still under investigation. On XXXX I received a letter saying a payment had been rejected. On XX/XX/XXXX, I called and was told I needed to go in person. When verifying my address I found out the hackers had gotten in again and changed the address. I changed it back and went to the bank on XXXX and closed my checking account. When closing the account the teller told me my address was again changed. Also I had to try 4 different branches in order to close the account. The lobby was closed at 1 branch. They sent me to 1 branch that was closed, I called another one who said that the only person who could close an account was out until XXXX XXXX. Finally the 4th branch I tried closed it. I then went home and later in the evening I called the fraud dept to let them know if I need to be contacted the hackers keep changing my contact address. The rep is not listening to me telling me I need to go to the bank. I tried to explain That I keep changing it and they keep changing it back. I no longer have access to the account so I wont know if they change it again. I am not a customer but I want the bank to be able to reach me. The rep said I had to go to the bank and wasnt understanding what I was trying to explain. I cant go to the bank every day to make sure the hackers didnt change the address. The rep said she couldnt help me and hung up. I dont know what kind of fraud monitoring banks do, XXXX if they would have listened to me on XXXX none of this would have happened. I want to make sue all my accounts are closed at Suntrust and I owe them nothing. I feel like I am in the twilight zone since XXXX. Hackers are able to get into my account withdraw money, make charges, make changes to my info. But they wont speak to me. No one is monitoring my account. Thank you for taking the time to read my complaint.
Product: Mortgage

OCWEN HAS CONSTANTLY REPORTED MY ACCOUNT BALANCE INACCURATE EACH MONTH ON MY CREDIT REPORT I DO BELIEVE THAT THIS IS DISCRIMINATION AND A RACIAL INTENT TO HINDER MY SCORE. I PAY MY MORTGAGE ON TIME EACH MONTH I HAVE CONSTANTLY REACH OUT TO THIS COMPANY TO HAVE MY LOAN INTEREST RATE REDUCED RATE IS 12.4 PERCENT WHICH IS CRAZY AND THEY CONSTANTLY STATE THAT THEIR IS NOTHING THAT CAN BE DONE./ THIS COMPANY IS A PREDATORY LENDING COMPANY AND SOMETHING NEEDS TO BE DONE. THEY CONSTANTLY DO AS THEY PLEASE WITH REPORTING INACCURATE INFORMATION AND USING RACIAL DISCRIMINATION FOR THEIR OWN FINANCIAL GAIN. I HAVE REACHED OUT TO THE COMPANY AND THE OMBUDSMAN AND STILL HAVE NOT RECEIVED A RESPONSE
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report that is causing me harm due to it not being accurate my name is XXXX XXXX there should be no other names listed on my report. My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address and any other address is incorrect and should be immediately deleted.
Product: Credit card

My Name : XXXX XXXX Best Buy Citi Visa Card Ending with XXXX ( Account since XX/XX/XXXX ) Credit limit : {$7000.00} For many years, my monthly auto payments on this card were due on the XXXX of each month. On XX/XX/XXXX, I changed this date to the XXXX of each month and received a confirmation email from XXXX the following day of XX/XX/XXXX saying : XXXX XXXX, this email is to confirm your enrollment in an automatic payment plan for your Best Buy Credit Services credit card account. 
TERMS OF YOUR ENROLLMENT Authorization Date : XX/XX/XXXX Start XXXX In an earlier email on XX/XX/XXXX they provided a summary of my account : Statement Date : XX/XX/XXXX Statement Balance : {$6600.00} Minimum Payment : {$230.00} Payment Due Date : XX/XX/XXXX The, despite confirming the change of my due date to the XXXX, on XX/XX/XXXX the charged me {$29.00} late fee. Through a painful correspondence process on safe messages on their website, they understood their mistake and reversed the charge on XX/XX/XXXX. 

While getting ready to make the {$230.00} Minimum Payment on the XXXX of XXXX, they changed the Minimum Payment to {$500.00}! Despite my severe financial conditions, I hurried up and made the {$500.00} payment on XX/XX/XXXX to avoid further complications, which they immediately acknowledged on the same day. 
I followed with a safe message onsite telling them that the next minimum payment should be on XX/XX/XXXX now that I have made a bigger minimum payment of {$500.00} instead of the earlier scheduled payment of {$230.00}. 

Ignoring all my submitted information, today, on XX/XX/XXXX, I received an email informing me that another {$500.00} Minimum Payment is due on XX/XX/XXXX! I am not sure what kind of financial management this outfit follows, but there is no way on earth I will be able to deliver two {$500.00} payments with the month of XX/XX/XXXX. The frequency and size of the minimum payment is not justified!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card of [XX/XX/XXXXXXXX XXXX, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year>2024 ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Mortgage

SUBMITTING HEREWITH ADDITIONAL IRREFUTABLE EVIDENCES OF FINANCIAL CRIME COMMITTED BY NATIONSTAR MORTGAGE LLC. 
PLEASE SEE ATTACHED. 
THANK YOU FOR YOUR INVESTIGATION AND SUBSEQUENT ENFORCEMENT OF APPLICABLE FEDERAL LAWS TO STOP THE PERPETRATION OF THIS COMPANY 'S WHITE COLLAR CRIME. THEIR " INTENTIONAL AND WILFULL MISCONDUCT '' FOR THEIR UNDUE ENRICHMENT IS A THREAT TO PEOPLE 'S LIVES AND A THREAT TO THE U.S. ECONOMY - AND WARRANT URGENT SCRUTINY. THANK YOU.
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company General Revenue Corporation has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). And they further violated the act by reporting a duplicate of this false information. I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Paid half of the vehicle loan off 2 or 3 months before they repossessed the vehicle and my balance was XXXX. I was not given any information about the sale or auction of car. I received a letter stating that my vehicle was repossessed and I now owe more than XXXX but was not told what they were going to do with the vehicle and when. They did not give me any options for getting my car back.
Product: Credit reporting

Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.
Product: Mortgage

My closing was XX/XX/XXXX. We didn't officialy move in until XX/XX/XXXX. During that time, various documents were received regarding first payment of mortgage in which a check is required to be sent. The mortgage servicing changed hands three times during that time. I misunderstood which company was the current servicer and I mailed first payment around XX/XX/year>. But then I received additional mailings from a different servicer which I learned was the correct one. The servicer I sent check to is Lower, LLC. The current servicer is XXXX ( XXXX XXXX ). I contacted Lower in early XXXX. I was told that normally the funds I sent are transferred to the new servicer and that it takes two weeks. To date, XX/XX/year>, the check was not deposited nor has XXXX XXXX recieved payment. I tried contacting Lower yesterday, but throughout the day, the message was " No agent is available. Goodbye. '' I spoke with XXXX XXXX and was told if payment isn't received by the end of XXXX, my credit and my partner 's credit will be compromised even though no fees will be charged until after XX/XX/XXXX. I am unable to sign up for automatic payments until XXXX 's payment is received. I will have to place a stop payment on the check sent in case it is ultimately deposited. It is in the amount of nearly {$2500.00}. The stop payment will cost us {$30.00}. Essentially, I have given up contacting Lower since they don't offer a means to communicate at this time.
Product: Debt collection

I am formally requesting that Allied Interstate LLC cease all communication with me regarding account XXXX XXXX. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. 

Additionally, I want to emphasize that any further attempts to contact me, including reporting this account to credit reporting agencies, would be considered a violation of the FDCPA. The court in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, affirmed that reporting to credit bureaus constitutes a medium of communication subject to such a request. 

I am submitting this complaint to ensure that Allied Interstate LLC honors my request and ceases all communication with me regarding this account.
Product: Credit reporting or other personal consumer reports

I disputed all items on my credit report on XX/XX/ including credit inquiries. As of this date it has been over 30 days and I have not received a response from Experian and XXXX. I asked that all accounts showing on my account be verified as correct and they have not responded as of this date.
Product: Checking or savings account

Citi bank was offering a bonus offer of 60,000 XXXX XXXX miles if you open an account, deposit {$1000.00} and spend {$1000.00} with 90 days of account opening. 

I opened the account on XXXX XXXX and deposited {$1000.00} dollars on XXXX XXXX to fulfill the deposit requirement. 

According to a Citi employee i contacted I fulfilled the spend {$1000.00} and therefore fulfilled the required actions within the 90 days on XXXX XXXX. 

In the terms and conditions it states that I should receive the miles 30 DAYS AFTER THE REQUIREMENTS ARE MET Which would be XXXX XXXX. As of XX/XX/2023 I have not received the miles I am owed. 

It also states that XXXX deposits are allowed for the {$1000.00} deposit amount. 

I have contacted Citi Multiple times and the dates keep getting pushed back as to when I should receive the Miles. I also submitted a dispute about the missing miles and responded with an automated message. 

Documents I have attached are : Proof of deposits that equal {$1000.00} via XXXX Terms and Conditions stating that I will be getting the payment of XXXX miles 30 days after fulfilling the requirements. 

Terms and Conditions stating XXXX deposits are allowed Proof from the Citi Employee stating I fulfilled the requirements on XX/XX/2023 and that I should have received the miles by XX/XX/2023 The terms and conditions do not say I will be credit 30 days after the promo period ends it states 30 days after opening account and Fulfilling the required actions. Which I did
Product: Mortgage

Hello, My principal loan amount on my XXXX 2016 statement from Seterus went up XXXX. I have called and written the office for a explanation and the company can not provide any documentation of the increase of my principal balance. I was not given any written corpsependence regarding why. After calling multiple times and faxing for a answer im now being hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide documentation that the following accounts are listed on my credit report. Otherwise please correct these damaging data immediately. 
XXXX XXXX XXXX : {$460.00}, XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

At XXXX on XX/XX/2024 I tried to get access to my account but the credit union refused to help me get access.
Product: Mortgage

I have a Mortgage with Home Point Financial and have been trying to get my escrow account corrected and overpayments refunded.. I am a XXXX XXXX XXXX veteran and exempt from property taxes. Home Point Mortgage continues to bill me excessive amounts which include property taxes. After many attempts to contact them and have this corrected and get refunds for the amounts over billed they are refusing to correct the issue and continue to bill me. They have also applied escrow payments to my monthly payments instead of escrow as clearly noted on my checks. I am in need of refunds for the excess I have been forced to pay. I have also requested a reconciliation report of the escrow funds and Home Point Financial will not respond.