23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes.  I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to help.
Product: Debt collection

PORTFOLIO RECOVERY they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Product: Credit card or prepaid card

I received an overdue bill from Citi/Costco today, XXXX XXXX, 2017 via USPS. Statement says my account is 3 months past due and that I owe {$150.00}. A few days ago I received an automated phone call saying I owed the same amount and asking me to provide payment information over the phone. I thought that was a scam call and provided no information. I have, however, never requested or received a Citi credit card. Recently Costco changed its sponsored credit card from XXXX XXXX to Citi. I used to have an XXXX card, connected with Costco, but I had not used it in quite a while. I received notices saying Citi was the new sponsored  card for Costco, but I never responded to ask for a card because I no longer shop at Costco. 
The company says my account is three months past due, but this is the first bill I 've received from  them. And I repeat, I 've never received a credit card from Citi! After I read the statement I received today, I called the phone numbers on the bill : Customer Service - XXXX, and also XXXX. The message and options provided at both numbers were the same ( except for a slight change in the instructions for getting a XXXX-language message ). There were three options offered, all geared toward making a payment. I could also choose to repeat the options. There was no option to speak with a human being about the account. So I went online to citicards.com ( I believe that 's how I got to their site. ) Under " Contact Us '' were listed several phone numbers, including " Consumer : XXXX '' and " Lost/Stolen : XXXX. '' At the XXXX number, I received the exact same message I had heard earlier -- again, no chance to speak with a human. So I figured perhaps someone else had received the card that Citi claims to have sent me, and they were using it, so I called the " Lost/Stolen '' number, and heard the exact same message, starting with, " This is an attempt to collect a debt. '' (! ) No option to speak with a human, on the lost/stolen card line -- that was curious. So -- I see no way to contact Citi/Costco about this alleged overdue account, the card for which I have never received. I 'd like to speak with a Citi representative to clear up this matter. They claim I owe them {$150.00}, but I do not owe them anything. They owe me for my spending well over an hour ( so far ) trying to correct their error.
Product: Credit card or prepaid card

I recently legally changed my name and want to update my new legal name on all of my Citibank credit card accounts. I went to multiple physical branches and no one could help me as they only deal with checkings/ savings accounts at the branch. 
Instead, they offered me to try their online or telephone customer service. 
I called the number given to me and they could not help me. So, I tried Citibanks online live chat. They tell me they can not help me and I must speak to a specialist who can easily fix the problem. They give me the same exact number I called previously. 
So, I tried calling again. Once again, they can not help me. Instead, they tell me I need to mail my social security info and other very important info to a specific address. Im not mailing important documents like that. 
So, no one at Citibank knows what to do or how to even help me
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

Bitt and Gaines, P.C. for XXXX XXXX XXXXXXXX XXXX. for account ending # XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX and the judge requested an additional 30 days on XX/XX/XXXX. Blitt and Gaines told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This medical bill shows in my credit report is not belongs to me. 
I want the company to remove it as soon as possible.
Product: Student loan

I have my student loans with Mohela, Account # XXXX. Beginning in XXXX, when repayments were to begin, they substantially over calculated my payments and actually charged me those amounts for 2 months. When I called to raise the issue with the amounts they told me my account would be placed in forebearance until XXXX and that what I paid would be credited toward the balance such that my first payment likely would not start until XXXX. Then, they started charging me in XXXX and never credited my account. 
Since then, I have tried to get a hold of them without success. This week alone, on Tuesday, I called and had to hang up as i was on hold over an hour. Also on XX/XX/XXXX, I called and asked for a call back but received one. Today, I called, was placed into a hold for over an hour and then disconnected by them. I can not get a hold of anyone to address these issues and am extremely frustrated that i was charged over XXXX $ that has not been credited to my account that should be due to the Federal Government Investigation.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft i my wallet with my belongings such as my ID and Social security card wallet in my wallet.
Product: Mortgage

My husband and I are in the final process of refinancing our home. We started this process on the phone with an agent of Bank of America who quoted not only verbally but also in writing a program with a good rate on a 30-year fixed and a credit on closing costs that would require us only to pay {$700.00} out of pocket for the appraisal. It was a " special promotion '' and thus made their offer more competitive than others we were considering at the time not on the rate but on the closing costs. After essentially months of lost paperwork, unanswered emails, clerical errors, etc., days before we are suppose to " close '' they 've come up with some story of now, because of the " need '' to rerun a credit report, the closing costs have gone up and there will be no credit towards those costs. Out of pocket will now be {$700.00} for the appraisal, which we 've already paid, plus an additional {$5000.00}. That is totally unacceptable given we both still have the same income as we did when we started this process two months ago because we still have the same jobs, we have a XXXX of XXXX %, and are still just as qualified now as we were then. I believe this is just some bait and switch tactic which has forced us into a situation where we will now lose {$700.00} and have to potentially pay a higher rate if we go with another institution given rates have recently risen compared to what they were when we started this process. The delay in closing has been completely driven by the ineptitude and unprofessional behavior of the Bank of America employees involved which is documented by the string of emails we have with them over this time period.
Product: Checking or savings account

Apparently according to bank of america, on XX/XX/2023 they experienced a data leak, which leaked my card info. So without letting me know they purged my card and that was it. I didn't find out about this till on Monday the XXXXXXXX XXXX  XXXX, I tried to use my card only for it to be declined, and that's when I called them and found out. I called them and they send they had sent me out a new card, but they have no proof that they sent it out only saying " yeah we put it in the pick up box for the mailman. '' I asked two of their representatives to expedite my card since the new one never showed up and there's very little I can do till I get my new card i.e. rent and bills. I explained this to them and they just didn't care. They said they could charge me like XXXX XXXX  to get it expedited, and I was like No, you guys cancelled my card without telling me, it's your responsibility to make sure I get my new card. And I still haven't gotten it and it's now XX/XX/XXXX. They are just giving me the run around. I told them I never got the card they supposedly sent and basically telling me it's not their problem, when it was their systems that were breached.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Payday loan, title loan, or personal loan

I took out an installment loan from UpRova on XX/XX/2023. Unfortunately, the terms of the loan were not clearly outlined, and I was unaware of the high interest rate. Had I known about this, I would have never done business with Uprova, as such practices are predatory and should be illegal. This is not fair business conduct under any circumstances. When I called to speak to a representative at UpRova, they were unhelpful and rude, suggesting the obvious solution of paying off the loan in full to avoid the XXXX XXXX interest rate. Upon requesting to speak to a supervisor I was informed nobody was available. The unprofessionalism and term " agreements '' are very concerning.
Product: Mortgage

I am attempting to get a new loan from a different company and need information from Select Portfolio Servicing ( SPS ). I have talked to the agent, ( not my representative ), the loan officer from the new bank has spoken with them, and we have collectively spoken with them in regards to needing a simple statement that I was not more that 46 days late on a payment, a statement that can clearly see and have made on recorded lines several times since Thursday, XX/XX/XXXX. 
In response, they have posted the same 2 letters ( attached ) to my portfolio which is their way of emailing me ; one is the general correspondence letter ( form letter ) stating they received a request for information, and the second is my pay transaction history. We have had both of these documents for quite some time. They will state that I was no more that 46 days late on the recorded line but will not send it in writing. This has caused me to lose the purchase of a house. 

Furthermore, I receive a monthly statement saying I owe {$410.00} monthly for my mortgage, I have been paying that amount twice a month since XX/XX/2023. They are not treating the second payment as a full mortgage payment but as a second half monthly payment, even though my monthly payment is only 1 payment of {$410.00}. I actually pay them {$420.00} every 2 weeks. 

This company has totally ruined my ability to purchase a new home, somehow is allowed to collect more than I owe, and is refusing to effectively communicate ( in writing ) my contract ( s ) with them. When we ask what our monthly statement is, they say {$410.00}, which is less than what we are paying now.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EXPERIAN ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT FILES. IVE ATTACHED FTC FORMS AND OTHER DOCUMENTS SHOWING THE FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the XXXX XXXX & XXXX FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.
Product: Credit reporting or other personal consumer reports

To whom this may concern, there are some inquiries on my credit report, that I have been disputing for a while now, THAT DOES NOT HAVE PERMISSABLE PURPOSE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries have no permissible purpose to be on my report, nor do I have a account associated with either of these Companies. The aforementioned inquiries are in direct violation of 15 U.S.C 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

They have not stopped. First on XX/XX/2019 they repeatedly kept calling me. I would answer their call and hit mute and listen to her speaking, asking for me. " Hello, hello hello. '' I refuse to speak through them through the phone, so the next day, XX/XX/XXXX, I mailed a notice to ask them to please quit calling me and to either snail mail or email. 
They didn't listen. Friday, XX/XX/XXXX they called my partner ( I never gave them his information ) and then also my mother. They told my mother that if she didn't get a hold of me next they would call my work. Well, today, XX/XX/2019, they called my work. This is after I told them not to contact me in any other method than in writing. Especially NOT to call me at work. 

XXXX, who is employed at XXXX. XXXX XXXX XXXX, a debt collector, has repeatedly called me and harassed me when I have given specific instructions. Next it'll be a call to my attorney and lucky for me I work at a law firm. It'll cost me nothing to pursue them for damages. 

XXXX XXXX should be fined. THEY are not above the law. I CAN NOT PAY THIS DEBT AT THIS TIME and I have told them repeatedly. 

They have harassed family members and now my place of employment.
Product: Credit reporting or other personal consumer reports

After several phone calls and mailed in disputes, XXXX refuse to remove my old address from my credit report, this is prohibited me from getting credit. I sent in my proof of current mailing address along with my social security card, they still continue to tell me they will not properly update my personal information on my credit file