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

I called today to get the status of my Simplicity Citi card and spoke with XXXX, who instead of answer questions she repeatedly put me on hold and ended up transfer the call to a account manager ( XXXX ) who after ID ME instead of helping me and answer my questions of why my account was closed. She preferred to argue with me and start talking over me and dominate the call. I asked XXXX to please to focus on the real purpose of my call but she fail to listen and continue argue then finally I kindly asked her to lower her voice but she declined! **** " Sr, i been here for more than seven years, i know what i do ", she said, i told her that longevity at the job as AM don't give her any reason to degrade or talk someone down in a disrespectful way - The customer service experience was horrible!!!! 

My issue - account closed In my opinion Citicard in instead of making the attempt to contact me and let me know the return payments. CITI proceed and closed my account because three payments were returned. 

Citi, was always eager to close my account, i never experience nothing like this before and usually, when a client don't make payments for 30/60/120 the creditor close the account for non-payment or when is fraud but not something like this. Earlier this year I experienced some financial difficulties with work and my checking account was comprised for some few weeks but the problem is fixed with my bank. Citi never bother investigate INSTEAD, close my account left me in a bad place with my credit and now i will not be able to renew my car lease because a close account will appear on my CR. 

I fell, like CITI violated my consumer rights and look only after their interest also, my credit was damage unfairly ( close account ) and i need CITI to rectify this error immediately as well lowering the interest on my Simplicity card so, i can pay this account sooner and not be in debt with the company. It fells like CITI make his own rules and don't even disclosed the term and conditions to consumers. they always said " we sent you the disclosure " This fells like a trap or induce consumers and just signed CC and not verbally disclosing to consumers about their real conditions. Nobody in CITI care or disclose any conditions or i got a booklet about it. Even if they send it to me now it's too late, The damage was already done to my credit and i need some answers as well with compensation by lowering the interest rate.
Product: Debt collection

I received a letter in XXXX stating that the law firm was attempting to collect a debt on behalf of the credit card company. I wrote a letter by certified mail saying that I would pay any debt that is proven lawful and indeed owed once provided with proof that I indeed owed the debt which was to include all invoices, a signed contract in wet ink by both parties, and proof any additional proof that I am indeed responsible for the debt they are claiming. I was sent a letter stating that the credit card company still owned the debt but they charged it off on XX/XX/year>, accompanied by a stack of statements that were paid. They failed to prove I owe the debt, that they legally own the debt to collect on it, and proved that the original debt holder charged off the debt already. Since they failed to prove this debt is valid I am asking that they call off their collection efforts, mark this debt as paid in full, and retract all negative reporting to the credit agencies.
Product: Debt collection

I received my FIRST notice from a company called Credit Protection Association L.P. on or around XXXX XXXX, 2016 claiming I owe a debt to XXXX XXXX in the amount of {$74.00} plus a collection fee of {$12.00} ; totaling {$87.00}. I contacted XXXX XXXX and spoke with a member in their collections department. There was no record of my name or SSN to indicate I owe them a debt. I attempted to contact Credit Protection Association L.P. several times to no avail. I have sent them a letter describing my issue and have received no response, however the debt has been added as a collection to my credit report which has had a severe impact on my current credit score and report. 

What is more alarming is the nature of the letter, as it is almost threatening in nature and appears to be a scam. The letter claims they have contacted me several times, however this letter was the first I have heard of any debt owed to the company. It also goes on to state that they can not understand why I would " refuse '' to pay, claiming that most people are concerned about their credit and pay their past due balances.
Product: Debt collection

Debt was not validated by this debt collector and I have tried to send letters and emails without a response. Under FCRA laws they are required to orovide original documentation validating this debt is mine. If they are unable they must remove this supposed debt from all three of my credit reports.
Product: Credit reporting or other personal consumer reports

I DISPUTED AND REQUESTED ALL LATE PAYMENTS TO BE REMOVE FROM MY CREDIT REPORT. CREDIT BUREAUS UPDATED MY CREDIT REPORT WITHOUT SENDING ME VALIDATION OR REASON WHY IT WAS UPDATED AND NOT REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states that I have the right to privacy ( 15USC 1681 ( section 604 section2 ) it also states a consumer reporting agency can not furnish an account within written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below : - XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, ( XXXX ), XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Transunion & XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of car loans, credit card and car loan debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

I recently initiated new telephone service. Ever since then, I have been receiving a continuous stream of harassing phone calls about a debt that clearly belongs to whoever had the number before me. I tried calling the company and explaining their mistake but the phone calls have continued.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My account was in arear and I applied to the NYS Housing Assistance for help and on XXXX XXXX NYS sent a wire [ check ] to my mortgage company ShellPoint Mortgage in the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) to be applied to my account. 
I called Shell and ask for my credit to be updated and was told that would be updated on XX/XX/2023. Today I pulled my credit and was surprised to see the in accurate information that was reported to the credit bureau. It states that I am 120 days late and that my balance has been increase to {$220000.00}. As a result XXXX XXXX has closed my account.I find this deceptive because each month they report my credit to the burau but nothing like this. Why when a payment is made something like this could happen. Please I am asking you for help because I have no one advocating for me. Please see attached from the credit bureau. 
Thank you. 
XXXX XXXX
Product: Mortgage

Sir, My service provider was changed 3 months ago. The new provider is demanding that I pay my escrow now even though it has been already paid up to XXXX XXXX, 2016. I do n't pay property taxes because I am ( XXXX VA ) I pay just the insurance. I told them that if they would look at my records with the old servicer they would see that to be the case for years every since I received my modification. I tried to explain that to the new representatives but they do n't agree with me. Your CFPB XXXX told me to file this.
Product: Debt collection

I demand to see verifiable proof an original consumer contract with my signature on it .I have sent 4 letters ask them to remove this unverified account. I never lived at that address or had services there. I disputes the account.
Product: Student loan

For at LEAST 2 months now, I have been trying to obtain information about my student loans. On XXXX XXXX, 2017 I sent a Debt Validation letter to the US Department of Education to see who is collecting on my student loans because they are showing In Collection on my credit report. When I call the student loan lender at XXXX  an automated message states that XXXX XXXXXXXX XXXX XXXX XXXX  is collecting on my student loans. When I call XXXX XXXX XXXX XXXX XXXX at XXXX they state that they are no longer collecting on the accounts and transfers me BACK to US Department of Education. SO neither company can find my student loans and I have NOT received anything in the mail from the Debt Validation that I sent out in XX/XX/XXXX.
Also the contact information that is provided on the credit report for US Department of Education is not valid. XXXX is not a valid number and should not be reporting on my credit report as it leads me to no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX   account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent the letter on XX/XX/2023, letter the reason why I sent this letter XXXX said everything was complete and accurate on my credit report. Here is my certified tracking # ( XXXX XXXX XXXX XXXX XXXX XXXX ). The reason why I sent this letter is because XXXX said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within 15 days according to the law. And I haven't received anything, and it's been over 20 days. This is very frustrating, disappointing, and stressful!
Product: Vehicle loan or lease

Capital One Auto illegally repossessed my My vehicle by way of identity theft giving sensitive non public information to non affiliated third party, XXXX XXXX who is a non affiliated third party is now participating with Capital One Auto to collect a debt initiated by fraudulent activity. XXXX XXXX also gave sensitive non public information about me to a non affiliated third party a tow truck driver without my consent which resulted in illegal possession of my vehicle. Capital One Auto also took action without any order from the Court which is a violation of federal laws. 
Capital One Auto violated the following consumer law : 15 U.S.C 1692 F ( 6 ) Taking or threatening to take any non-judicial action to effect dispossession or disablement of property.

15 U.S.C 6802 ( B ) Opt out A financial institution may not disclose non public personal information to affiliate third party unless- ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of the title, that such third party : ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
( C ) The consumer is given an explanation of how the consumer can exercise that non-disclosure option.

15 U.S.C 1692e ( 10 ) The use of any false representation or deceptive means to collect debt or to obtain information concerning a consumer
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   continues  to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my   XXXX   report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
Product: Consumer Loan

Was charge {$800.00} for a Gap contract that I was not told about before signing that i did not want.
Product: Credit reporting or other personal consumer reports

I have been a loyal XXXX customer for decades, including XXXX mortgages, credit cards, and multiple business and personal accounts. I had a credit card with XXXX which i hadn't used in years. Apparently a small charge appeared on it and auto-pay was not on. I never received a statement electronically or by mail. 

Having not used the card in years, i didn't think to check the balance and in fact assumed that i had auto-pay set, just like i do for every other card or bill. I found out later that XXXX makes it extremely hard and confusing to set up auto-pay, whether on purpose or not i don't know ( i had to call and have someone walk me through all the incredibly obscure steps ). 

The charge become delinquent by 30 days before i noticed. This was reported to the credit agencies and this one anomaly caused my credit to decline by XXXX points. I am currently in the process of trying to buy a new home for my family and this reduction in credit score could literally be the difference in whether i can afford a mortgage. I appealed to XXXX and explained this but was rejected. 

It seems impossible to me that something so XXXX as a slightly late payment on a random XXXX $ charge, caused by a horribly designed interface that hides options unless you first go through XXXX other unrelated selections, is going to ruin my credit and prevent me from getting a mortgage for YEARS. there has to be a way! i've tried to appeal the decision to XXXX but they wouldn't even file a new request.
Product: Credit reporting or other personal consumer reports

I have been paying for my car with XXXX XXXX for over 3 years I have just paid off my {$38000.00} student loan and have been tracking my credit on credit sesame very carefully. I took my last deferment for XXXX and XX/XX/2023 with XXXX XXXX and starting XX/XX/XXXX I was to go back to my normal {$280.00} payment with XXXX XXXX. I have screenshots of the conversation I had with the representative in XXXX saying that I only needed to pay {$110.00} something and I would be deferred for XXXX and XXXX and to start making payments again XX/XX/XXXX. This means that if I were to pay the {$110.00} in XXXX I would have no late fees for XXXX and XXXX and starting XX/XX/XXXX I will go back to the normal payment. I have photos of the conversation with XXXX XXXX I have photos of the payment that was made that I promised and I have photos of my dashboard from XXXX XXXX as that is how I make my payments. I have been watching my credit very carefully because I just paid off my student loans with credit sesame and according to them I am 2 months behind on my car payment and I am in Jeopardy of losing my car by repossession. I continue to get on XXXX XXXX and all of my statements say that I have over {$100.00} in late fees and I owe over {$400.00} right now which is totally incorrect. I was supposed to make my regular {$280.00} payment XX/XX/XXXX and I have proof on the XXXX XXXX statement and for my bank account that shows I made a payment on XX/XX/XXXX of XXXX. My XXXX XXXX dashboard as of today says that I am behind 2 months still and I owe over {$400.00}. I have tried numerous times even calling as I don't like to do because that leaves me no proof of anything to try to get this situation dealt with I need to make my XXXX payment but it still says I'm 2 months past due and nobody from XXXX XXXX will help me I have constant creditors calling my cell phone so I rarely answer my phone if it's a number that I don't know I also had someone call yesterday and threaten repossession. If you could contact me by email first and then I will call you back that would be appreciated as I don't answer my phone call because so many creditors are calling me right now I'm very nervous my car is going to get taken from me and I just want what is owed to me and that is my dashboard saying what I really owe no late fees and it taken off my credit report I just want to make my payment. Okay hold
Product: Debt collection

One Company is called XXXX XXXX XXXX XXXX XXXX and the other is called XXXX  XXXX. XXXX They use various numbers XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MA , XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXXl XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX, MA. This has been going on for about 3yrs. They say they represent Citibank, they do not. I have spoken with Citibank and there is no account under my name any longer and they are not affiliated with either of these companies.