23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank has a MY DEALS where Im supposed to receive daily rewards so as long as your card is in good standing and your pain on time with your card since I have the Citibank diamond preferred Im supposed to get my daily deals on a regular basis so youre supposed to log into the Citibank app at XXXX XXXX  XXXX XXXX XXXX and soon as you do this, even if youre in the app earlier than XXXX XXXX standard time and you go to click the rewards that youve already earned by being a good consumer it tells you that the reward has expired so many of people have complained online and when you call Citibank to complain, they say well we just dont have enough rewards to give out but it just seems like a scam because were talking about XXXX XXXX central standard time at XXXX XXXX XXXXXXXX XXXX XXXX if I login there right at XXXX XXXX  and one second it has already expired! Who got the reward in one second? nobody! so Im writing a complaint, because they are aware that this problem exist and they know that were supposed to reap the benefits of this reward and since I cant go into business and offer products and rewards to people that they cant receive- they cant either! So Im making a complaint against them.
Product: Debt collection

I found a collection debt on my credit report was reported by Amshercollectionservices was amount for {$200.00}. XXXX number XXXX. i call number. talk with some one from customer service. she ask my info said she couldn't look to see who the accounts from until i give her bank or credit card to withdraw XXXX dollar to check my credit report. so i ask her several times why do you need my bank card # she said couldn't help until i authorize her XXXX dollar from a credit card. so was still unsure she said well can't help you until i get the card to use call her back when i do. so i felt presser so i gave her my account # then she said now bank with decline so i have to contact bank let them no i Accept before i can continue. so like i fool. i did it. so little did i know soon as i had contact them collection company I received a email saying i sign up for identity membership. 7 XXXX trail for XXXX dollar then XXXX monthly. that call back cost me {$190.00} and XXXX a month for a credit counseling. on my bank account its say it from XXXX XXXX  from XXXX Nv. it was just a trick to catch me off care and sign up from something i couldn't afford. i called them to find out if this is my debt and to find out how to get off my credit report. it not collection company it was a credit counseling. i feel so stupid that they trick me! not even sure if its true debt? she keep saying they take take care of the debt and she already seen description and it showed XXXX XXXX. but in order to take care of it they have offer for {$290.00}. and said contact boss he said he lower it to XXXX. it was just a scam i am on XXXX  i contact them to get info about the amount being on my report. and land up being charged for a credit counseling called XXXX from XXXX NV. now i am trying to get my bank to stop payment. but i problem going to loos that {$190.00} + {$1.00} its just so dirty of this collection agency. i am XXXX XXXX  and XXXX for trusting the credit report information. thank you for your time XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that its some illegally reporting inaccurate information about me. The following is listed as a collection with PAST DUE balance of : {$240000.00}. 
XXXX XXXX XXXX Acct # XXXX {$110000.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX # XXXX This a violation of the FCRA and is also in in violation of requisite XXXX XXXX Compliance reporting standards. Accordingnto the Fair Credit Reporting Act I have the right to a fair and accurate report, therefore any information that is not true, accurate and verifiable is required to be removed thank you for your time and understanding. 

With Great Sincerity, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a paypal credit account till XX/XX/XXXX. I then closed the account and started paying down my balance each month. When synchrony bank acquired the service from PayPal I had a notification saying they are going to start reporting to the credit bureau for any active account. Since my account was closed before the acquisition I was very surprised when my credit scores dropped by 30 point after they reported a closed account with a balance on it to the credit bureau. I then proceed to immediately contact then to remove the account, but all I get for them is that they are working on it and it is being escalated with no resolution. In the mean time I was looking to purchase a house and I couldnt get the interest rate I wanted because of this debacle. This isnt the first time this happened to with synchrony bank back in XX/XX/XXXX, I had a car care card and when I reported it lost they decided to close the account and open a new one instead of giving me a replacement card. This obviously affect my credit score as it reduced the age of my credit.
Product: Consumer Loan

I ALREADY SUBMITTED A COMPLAINT NUMBER XXXX AND WAS TOLD IT WAS SENT TO THE COMPANY LENDMARK AND I HAVE ADDITIONAL INFORMATION AND EXPLANATION TO SUBMITT. THE PAYMNET HISTORY INDICATED A MALST PAYMENT IN XXXX.. I AM XXXX VETERAN AND HAS BEEN GOING THRU XXXX AND XXXX WAS IN XXXX 2016. WEHN MY WIFW ENT INTO MAKE PAYMENT SHE WAS TOLD THERE WERE NO MORE PAYMENT DUE BUT UET WE WOULD RECIVED LETTERS INDICATING OTHERWISE AND WE ARE FAXING XXXX LETTER WHICH INDICATES A XXXX BALANCE DUE AND ITS VERY CONFUSING. THE FINACIAL READINESS PERSON AT THE XXXX ADVISED US TO CONTACT YOU. IT APPEARS THE COMAPONY IS CHOSSING TO CHARGE OTHER THAN THE XXXX INDICATED
Product: Money transfer, virtual currency, or money service

My business debit card was stolen and $ XXXX dollars was stolen from it when I disputed it with the XXXXXXXX XXXX, I was informed I lost the dispute claim. Now I'm without cash for my business and no other way to dispute it to recover my money. Cash app/ Block is to blame
Product: Debt collection

I paid off a debt on XX/XX/2023 to XXXX XXXXOrion Portfolio for a total of XXXX. I pay off later was emailed to me. I sent this pay off letter and removal request/dispute to XXXX via certified letter. My request was denied, reporting as still active.
Product: Debt collection

XXXX XXXX ATT : XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , HI XXXX RE : Case # XXXX/Wage Garnishment To Whom it may concern, To date I have not received any documentation in regards to said debt that you are currently seeking wages for in the amount of {$4000.00}. My employer has allowed one deduction as I was completely unaware of garnishment. They will not be deducting any future pay checks as I formally submitted a dispute with possible fraud with corporate so you will not receive any further garnishment. I have also mailed a dispute to the Hawaii Small Claims courts. 
Ive searched Public records and was able to locate case that way, Im still unaware of what debt is for as there are no details. I would like to request the court order and proof of original debt. 
I am formally disputing debt and garnishment as I have not been served or on the island to even possibly show up to court to dispute anything in person for the last 2 + years. I was completely unaware of garnishment until XX/XX/2018. I request you provide proof of said debt and court order via email XXXX or to my mailing address of XXXX XXXX XXXX XXXX, HI XXXX. 

On XX/XX/XXXX a garnishment in the amounting of XXXX was taken from payroll was forced to resign due to unknown garnishment. 

Also " XXXX XXXX XXXX " is a dba for XXXX XXXX XXXX which is also a previous employer I feel it is a conflict of interest for agency to have even handled case due the fact they would have more privileged information then other collections agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. The following XXXX credit card account is listed on my Trans Union, XXXX and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following account and requested physical verification of late payments and never received this information. 

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

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting XXXX {$8700.00} XXXX XXXX {$0.00} FST XXXX {$12.00} XXXX {$15000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$1600.00} XXXX {$0.00} CB XXXX {$0.00} XXXX {$920.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote Transunion to update information that is reflected under my social security number. This letter was received on XXXX, 2021 via USPS signature mail receipt attached. Transunion is reporting XXXX Account XXXX and XXXX XXXX Account XXXX incorrectly. These two account should be reported as PAID. 
Transunion has failed to respond to my letter within 30 days. 

XXXX Account XXXX Account Status should reflect PAID update or delete immediately Comments should reflect PAID update or delete immediately Payment Status should reflect Current update or delete immediately XXXXXXXX XXXX XXXXXXXX Account Status should reflect PAID update or delete immediately Comments should reflect PAID update or delete immediately Payment Status should reflect Current update or delete immediately
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  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to apply for a mortgage loan but my mortgage broker can't reach to my EXPERIAN credit score or report. I have tried to reach the company several times over the phone, internet and mail, but i got no response. I wasn't able to solve this issue for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a freeze lifted or my pin to unfreeze my account from Experian. There is no way to talk to anyone. I have sent numerous letter and tried on line and by phone. I am trying to get some credit and unable to because of this freeze. I need help.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a bankruptcy account number XXXX and have not provided me with proof of verification.
Product: Vehicle loan or lease

On XX/XX/2021, I called Santander Consumer XXXX to request a payment extension for my car loan that was due that day. After experiencing lack of employment and delays with XXXX XXXX  I knew I would be unable to make the payment. 

The representative that I spoke with XXXX, in the Executive office attempted to connect me with a member of the payment extension team. Unable to do so, she advised me to call in on Wednesday XX/XX/2021 to speak with a representative. 

At XXXX EST on Wednesday XX/XX/2021, I called back into Santander to speak with them once again about a deferment. The representative XXXX ( ID # XXXX ) spent approximately fifteen minutes asking why I was requesting a deferment, and then proceeded to state that they can not offer a deferment at this time. 

Upon requesting to speak with XXXX manager I was connected to Ms. XXXX. Ms. XXXX had me on hold for an hour, only to come back and tell me that she needs to speak with someone from the management office, and they are all in meetings. She requested that I call back in an hour. 

At XXXX I called back as instructed, only to be told that they haven't reviewed anything yet and they will call me in 1-3 days. 

I believe the delay in my request was done intentionally on Santander 's end so the account would hit the 30 day late mark, which could then be reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in Kansas and when I called military star they stated the account was opened in Texas. I attempted to dispute the card and they continued to report to the credit agency. I do not qualify for a military star card, I have never served in the military.
Product: Credit reporting or other personal consumer reports

1 ) Theres inaccuracy data on my credit report theres a collection from XXXX XXXX XXXX for {$120.00} that I dont have no knowledge of. XXXX XXXX XXXX XXXX XXXX is reporting this debt as well that dont belongs to me. Original Amount Owed. Ive never rented or lease with this company or had any agreements. 
It says original amount {$110.00} and now is {$120.00}? 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification RENTAL_OR_LEASING I need this account deleted from my file. 

2 ) XXXX  XXXX account charged off {$870.00} ; this account was closed and charged off and I never received a 1099c or validation letter. This account needs to be remove immediately. Account # XXXX 3 ) XXXX # XXXX is showing charged off account but {$0.00} balance this needs to be off my credit report as well for incorrect reporting. 

4 ) XXXX XXXX # XXXX charged off for {$160.00} no knowledge of this account incorrect reporting no validation letter if 1099c. 

Please investigate these accounts and delete from my credit file. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

.I Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also 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 account without my written instructions 15 U.S.C 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... 

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 


I Have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO BBB
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$98.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 an 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

I initially sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You
Product: Vehicle loan or lease

I XXXX XXXX entered into a consumer credit transaction with USAA Federal Savings Bank XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but USAA Federal Savings took cash. The finance charge is supposed to include insurance but USAA made me purchase insurance separately.
Product: Mortgage

This is a follow up to Complaint XXXX : I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. The subordination application was submitted on or before XXXX XXXX, XXXX. I reached out on XX/XX/XXXX for an update. I didn't receive a response until XXXX just saying things are delayed. I didn't receive a real response until XX/XX/XXXX. We have sent in all of the requested information by the end of XXXX and have not heard anything back yet. 

UPDATE : TD finally responded 2 days after I submitted the previous complaint on XXXX XXXX, XXXX. TD denied our subordination request but proposed a counteroffer ( See attached ). 

We gathered all of the additional information TD requested for their counteroffer and accepted TD 's counteroffer. ( see attached ) TD reviewed the documents we sent as requested for their counteroffer and naturally we expected that TD would now approve our subordination request. Shockingly and amazingly we just heard back from TD that after re-reviewing they apparently misunderstood the original subordination request and now are rescinding the counteroffer and denying our subordination request. This is totally incredible gross negligence by TD and awful treatment. What is even more amazing is that the real current situation is actually better than what TD had counterproposed!! It just makes no sense and TD is just incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with complaint number XXXX violation of privacy with reporting my information without my consent. XXXX XXXX XXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS. LEXISNEXIS is pretending they are not at fault with reporting my bankruptcy. They recently send me information stating it came from the credit bureau. This type of back and forth needs to be addressed with the Attorney XXXX office. I am holding XXXX accountable for allowing LEXISNEXIS to continue this back and forth
Product: Debt collection

this company had my car repossessed by an unauthorized third party and i want a copy of my original contract