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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX   XX/XX/XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX, I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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.

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 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

I was receiving multiple calls from an unknown number, always with my shared zip code. They left vague pre recorded voicemails, didn't leave a company name or what the call was regarding.When trying to calling the number back it was disconnected, finally on XX/XX/XXXX I was able to answer the call. A woman answered ( still didn't state the companies name ) verified my name ( my maiden name named changed in XXXX when I was married ) and told me that she is processing a claim against me. She said I opened a credit card in XXXX and that it was in default. I told her that is impossible, I did not open a credit card in XXXX. She told me it was a Citi bank world gold mastercard and payments had been made, she read off an old address of mine and my current drivers license number. She also told me the last four digits of the supposed card number, last four of my social security number and told me my current employer. I did NOT give her any of my personal information, but she knew all of it already. I got very panicked as I thought someone had stolen my identity, I told her as much and she was firm in telling me if someone had stolen my identity they would not make payments. I told her that I had filed for bankruptcy and it was discharged in XXXX, she again told me this credit card was opened in XXXX and payments had been made on that card. She said the amount owed was over {$7000.00}, and she was giving me a chance to rectify the situation. I asked her if that information would appear on my report report, she stated no she hadn't processed it, so it would not appear on my credit report. She gave me her first name ( XXXX ) last name ( XXXX ) and her direct number ( XXXX ) to call back once I figured out what was doing on. I pulled up my credit reports, nothing on those. Called Citibank no account found, and got in touch with FTC. I also looked at my bankruptcy paper work and found a credit card that was financed through citi bank, the account number was one digit off from the last four card number she had given me. So, I called her back today to let her know that her information was wrong, no credit card was opened in XXXX and that the debt was charged off in a bankruptcy. She became irate told me that no, I was in fact wrong, and that she will move forward with processing this claim and that I would regret this. I told her I needed her companies name and address to give to my bankruptcy lawyer she hung up on me. I called back several times, she hung up and threatened to file harassment charges.
Product: Student loan

Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting disputes with all three credit reporting agencies on numerous occasions beginning XX/XX/XXXX ( The day I first learned of this issue because was denied a job ) then I resubmitted my disputes to the credit bureaus every 4 months all the way through XXXX of XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf through the year of XXXX ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ), Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a XXXX  XXXX  Veteran of the XXXX XXXX, with the XXXX ( XXXX  and XXXX  ) I sustained during XXXX XXXX XXXX ( XXXX  ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of retroactive forbearance on accounts, so I applied for the application of this policy to my missed payments and was told that my lates were ineligible. 

I PAID IN FULL and closed the account last year with the condition, and under verbal agreement that, once the account was paid off, the past disputes I submitted would be addressed and the late payments recorded on my account would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that I provided in order to confirm that the requested adjustments to my payment history are valid and to be removed from my credit report
Product: Debt collection

I called the company regarding this claim of debt, I did inform them that over the last 2 years I was victim of identity theft, I did file a police report XX/XX/XXXX with XXXX XXXX XXXX Police event number XXXX where XXXX XXXX was billing my account, I do not have XXXX service nor have I signed or done any business with that company. The letters and phone calls stopped but have started up again XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Transunion ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit card

I applied for an American Express card which is connected to a XXXX XXXX program. In applying for the card, there was a promotion for after spending {$1000.00} in the first 3 months, I would receive XXXX bonus points and one free nights stay to use. 
On or about XX/XX/2023, I received notice that I had earned XXXX points and a free night to use. I was able to book a free night but I was not able to use the XXXX bonus points. I called American Express and spoke with a representative who expressed that the points would be available around XX/XX/2023. On or about XXXX the XXXX, I called American Express. After speaking with another representative, I was told that the information the last representative provided was incorrect and the points would not be available until XX/XX/2023. On the XXXX of XXXX I spoke with XXXX, who expressed that the billing cycle had just closed and XXXX XXXX would be available for use on XX/XX/2023. On XX/XX/XXXX I spoke with XXXX, who told me the points were sent to XXXX on XX/XX/2023. I asked to speak with the supervisor because each time I call I was given a different story of when the points would be available for use. Art was the supervisor that I was connected with. He expressed that the points were transferred to XXXX XXXX on XX/XX/2023 and there was nothing else American Express needed to do. He expressed that if the points were not showing they were under review by XXXX XXXX, not American Express. After speaking with XXXX, I called XXXX XXXX. I spoke with XXXX XXXX at XXXX XXXX, and she expressed that American Express had not submitted any points to my account and no points were under review. I explained that I keep getting the run around from American Express and XXXX XXXX. XXXX XXXX reached out to American Express on a XXXX call. She called and spoke with XXXX, the supervisor. He told her that the points had been transferred. Once she said that no points had been transferred nor were any points under review, XXXX began making every excuse he could as to why the points had not been transferred. He realized just XXXX minutes earlier he had told me a very different story. 
The spending requirement was met within the first 30 days. On my XXXX statement, XXXX, XXXX points were available for use. My XXXX statement reflected XXXX points to use, making the total number of points XXXX to use. However, none of these points are available for use with XXXX XXXX. 
Therefore, I would not have booked the free night if I was unable to use the points as well. I would have waited till both were available. Now I am told, if I cancel the free night, I will be charged approximately {$450.00} as a cancellation fee. This has been the worst customer service experience of representatives not knowing their jobs and a supervisor lying to make the company look good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account that not only doesnt belong to me. It shows debt buyers account for account type it also has a date opened of XX/XX/XXXX with a delinquent date of XX/XX/XXXX Im not sure how an account can be delinquent 2 years before it was supposedly even open Midland Credit Management is also reporting inaccurate Information that does not belong to me Also reporting as a debt buyer with a date opened XX/XX/XXXX and a delinquent date of XX/XX/XXXX 1 year prior to questioned account being opened
Product: Student loan

I am enrolled in the standard repayment and Nelnet has not given me my real monthly payment amount. Currently, it says I owe {$180.00} a month. I have 90 payments left and if I were to take this payment amount and assume 0 % interest over the 90 months it would not even cover the principal amount. They also do not seem to have enough customer service representatives I've been on hold for over 2 hours and them my call was dropped.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX XXXX date XX/XX/year> XXXX, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within XXXX  days
Product: Mortgage

I am working with Caliber mortgage to rescind the property foreclosure sale on my home. They did make me a offer to reinstate the mortgage if I paid XXXX XX/XX/2017. 
I requested a mortgage modification though the making Home Affordable Act and they are refusing to modify my mortgage loan I do want to keep my home. I had a previous mortgage modification and Caliber mortgage did n't honor the modification agreement.
Product: Student loan

My student loans were with Nelnet. I lost my job and requested a deferment. I got another job paying much less than what I was making, however, I know I still need to pay my responsibilities. I have been trying to get on the IBR income based consolidation repayment program. Nelnet just kept giving me the runaround. Then they made me think that I was speaking with them but was transferring me to a collection agency. I kept calling them. Now they tell me that they sold my loan to XXXX a collection agency. XXXX is not bonded to collect in my state. I have been a victim of identity theft in the past and it was hard overcoming that. Now my identity has been compromised and I am being denied my rights to be on the IBR PROGRAM due to their mishaps. Nelnet have a moral obligation to be honest and if they are selling my information, they need to know that it is with a legal entity. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX XXXX has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the XXXX. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by  XXXX XXXX, 30 days late and March 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or XXXX   as a whole removed from my credit history. XXXX was paid in full and I had them close the account. Why is date of status atXX/XX/XXXX???? in the XXXX  report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is optional, but not by law. This can be removed at any time. I asked XXXX to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and XXXX. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

XXXX is the crediting bank.
Product: Debt collection

Hunter Warfield has called me today, XX/XX/2022, 3 times already. Times for each call in XXXX have been : XXXX, XXXX, and XXXX. This seems rather excessive and they do not leave a message. The number was the same each time : ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Not to mention the inaccurate information thats lowering my credit score!

Payment history is terrible invalid
Product: Credit reporting or other personal consumer reports

I asked experian and XXXX on numerous occasions to do a investigation on account that have a similiar nmae to be remove experian and XXXX  still have accounts and names such as XXXX XXXX which seem to be very different from XXXX XXXX so why insert this name as well as accounts on my credit file. I understand that XXXX XXXX is a very common name but to insert another individual name all together is just wrong and these company should be held accountable for this because my score dropping XXXX points for these accounts from DEPT OF EDUCATIONXXXX and I can't move forward in my life into this investigated so I'm asking ofr help before seek legal counsel.
Product: Credit card or prepaid card

XXXX XXXX XXXX Membership no : XXXX Credit card no ; XXXX And XXXX I have been a member of Costco for a long time. I used XXXX card and had no problem with the rebate or credit card. 
After Citibank took over, my Costco credit on personal name was transferred to Citibank Costco Visa card on my personal name as it is and credit limit was XXXX approximately. 
I charged Citibank Costco visa at Costco warehouse and collected the money from customers and deposited in my account at Citibank branch on XXXX XXXX in XXXX, and paid my credit card balance so credit available right away to charge again.Citi bank always called me how I do my business. I provided them all the answers and whatever papers needed them. I always asked them if everything is ok. The answer was that everything is fine. 

After a few months, my citi bank account was closed and I was told that I could not use this account to pay my credit card. 

Then I used my business account XXXX bank by using their debit cards to pay credit card balance. By using debit card, I was able to get my credit available right away to charge my card again at Costco. 

After a few months, the citi bank called me to verify how I do business and how I pay and what method I use. I explain to them to each and everything. I asked them everything is ok and was told that you are fine and not to worry. 

Then all of sudden my Citibank Costco Visa card was closed and forfeited my 2 % cash reward {$26000.00} appro The Citibank Sent me a letter stated according to the terms and conditions of the agreement. They did not specify which agreement I have violated. 

I came to know that one wholesaler whose card was on his business was also cancelled and forfeited his 2 % cash reward which was much bigger than mine After talking to Costco employees, there are a lot of card members who are using their personal cards as well as family members Citibank Costco Visa card for businesses and get 2 % cash reward. 

I promised my XXXX XXXX  kids-XXXX and XXXX will buy bedroom sets and their wishes will be fulfilled when I will get check next year. Their dreams are shattered and when I told them that I wouldnt be able to buy anything for them. 
These kids started crying. No parents want to see tears in their kids eyes. 

I was always told by Citibank that I was fine and doing the right thing. They have never warned of anything but always told me thanks for business. 

The Citibank is huge bank and I could not afford to hire a lawyers because his fees will eat my 2 %. Cash reward. 

Sir I sincerely wish if you could help my kids to fulfill their dreams If you need anything from me, pls call XXXX or send an email XXXX I can also emai you a letter received from Citibank. 

Thank you XXXX XXXX
Product: Prepaid card

myprepaidcenter.com declined a transaction before the card expired. Stole the {$100.00} balance I had left.
Product: Mortgage

I have sent two financial packets at the request of Fay Servicing @ XXXX XXXX XXXX because we were struggling to make monthly payments. No one calls us back or responds in way all the sudden we get a letter in the mail that our house is being foreclosed on, we tried to maks payments when we first started being unBle the full amount they would not except partial payment, in my opition Fay Servicing just wanted to raise the amount we owed knowing we could not afford them raising the monthly payments, then foreclsose sell to another family just to do the same thing. Can your company please help us save our home. Thank you The XXXX Family XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX