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

On XX/XX/XXXXI settled a collection account with Diversified Consultants Inc, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by Diversified was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled onXX/XX/XXXX, Diversified had not yet been reporting the collection account on my credit report ( see attached 3-in1 credit report showing collections only, datedXX/XX/XXXX ). However, in XXXX, over a month after I paid the Diversified collection account, the collection agent [ Diversified ] reported a new collection account to the credit bureaus with a retro open date of XXXX. 
InXX/XX/XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX ] collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted Diversified again on XX/XX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the Diversified collection agent onXX/XX/XXXX via credit card. Additionally at the time of payment I inquired with the Diversified collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the 3 credit bureaus, and inXX/XX/XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the Diversified collection was settled prior to the account being reported, I filed dispute with the three major credit bureaus, XXXX XXXX, XXXX and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.
Product: Credit reporting

I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response
Product: Debt collection

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 accounts 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 account 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 account/item which do not belong to me or were opened without my permission. 


PORTFOLIO RC XXXX Date Opened : XX/XX/19 Balance : {$420.00} 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: Debt collection

I received a letter from from XXXX regarding a debt I owe. I responded back informing them to validate the debt and provide the following : provide a license authorizing them to collect the debt and Proof of unbroken chain of title from ( XXXX ) to ( CCS XXXX ) authorizing ( CCS XXXX ) to collect alleged debt. 

If debt was purchased from ( XXXX ) by ( CCS XXXX ) provide proof of purchase and the amount that was paid. 

I have yet to receive the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have quite a few inquiries I don't recognize. 

XXXX XXXX XX/XX/2022 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
Product: Credit card

Dear Consumer Federal Protection Bureau. 
I am writing to formally request a credit for a credit card dispute concerning charges related to concert tickets purchased using my Citi card ending in XXXX. 
On XX/XX/XXXX, I purchased XXXX concert tickets to attend XXXX XXXX concert in XXXX. Unfortunately, the event was canceled on XX/XX/XXXX, and subsequently rescheduled for XX/XX/XXXX. Regrettably, XXXX member of our party could not attend the rescheduled date. 
Between XX/XX/XXXX, and XX/XX/XXXX, I contacted XXXX to request a refund for the unused ticket. However, after weeks of waiting, the refund had not been processed. Upon contacting XXXX, I was informed to contact the merchant for further assistance. 
Subsequently, I reached out to Citi Bank, and a representative initiated a dispute for the refund of the unused ticket. Unfortunately, due to an error made by the representative, the dispute was filed for an incorrect amount. Despite assurances to correct the error, it was not rectified. 
On XX/XX/XXXX, XXXX credited me ( {$560.00} ) for the unused ticket, and on XX/XX/XXXX, Citi Bank credited ( {$1600.00} ) for the disputed amount, but this credit was not permanent and charged back to the credit card. In addition, this total does not cover the original cost of the XXXX tickets. 
Recently, on XX/XX/XXXX, I discovered that the XXXX remaining tickets were voided by XXXX. Upon contacting Citi Bank, I encountered unhelpful and discourteous customer service, which only exacerbated the situation. 
As a result, I was forced to purchase XXXX new tickets from XXXX at a significantly higher price of {$2900.00}. This financial burden could have been avoided had the original dispute been handled accurately. 
I kindly request that the total credit amount of {$2300.00} be promptly processed to rectify this issue. Furthermore, I urge you to investigate the conduct of your customer service representatives to ensure that such incidents are not repeated in the future. 
Thank you for your attention to this matter. I anticipate a swift resolution to this dispute. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I went to Fifth Third bank to get a copy of my father bank statement. He was declared incapacitated and the court appointed me as his legal guardian in Michigan. 
Due to his diagnosis it was suggested that I applied for Medicaid. My father used online banking so I did not have access to any statements. 
The bank teller told me I had to be on the account to have access to his account information. I showed her the court appointed documents and she added me to the account and removed me as my fathers POD ( paid on death ) beneficiary. My father declared me his beneficiary over 4 years prior, to him becoming XX/XX/XXXX 
How can the bank add or remove his beneficiary without his knowledge? 
My father took great pride in " taking care of his business '' in case of events such as this. They took his choice away after be became incapacitated and that's NOT right.
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX, I tendered a securitized instrument, via registered mail, relating to my retail installment agreement, to Capital One Auto Finance and the XXXX XXXX XXXXXXXX XXXX  XXXX, their Indentured trustee. I instructed that the instrument was tendered as pay-off and final discharge of said retail installment agreement. I instructed the company to transfer the security and its proceeds to my Treasury Direct account, per the Electronic Funds Transfer Act. I also instructed, per their own fiduciary duties per the prospectus filing with the XXXX, to confirm discharge and to update my credit report to show " paid in full, as agreed '' Additionally, this security was tendered in good faith according to UCC 3-603, whereby if refused, there is discharge to the extent of the amount of tender. 

My tender of payment was neither honored nor returned to me, which means it was stolen and constitutes SECURITIES FRAUD. They have since continued to attempt to collect payment in the form of FRNs from me as of XX/XX/year>. I am allowing 3 days for an opportunity to cure. Whereby honorable action from Capital One Auto Finance, is demanded, whereby my tendered security, is deposited into my Treasury Direct account, and confirmation of relating retail installment agreement is discharged, reflecting payment in full on my credit report. 

Lastly, I XXXX XXXX, HAVE REVOKED any power of attorney and rescind all security interest in any property or rights belonging to me, the beneficiary, from Capital One Auto Finance for all years and all periods. This is on file with the IRS on form 2848. You no longer have any right to my property, and failure to deposit my funds as directed will constitute both tax fraud and securities fraud. You have three days to cure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX tx, XXXX National Recovery XXXX XXXX XXXX number XXXX I am reaching out in regards to two collections in the amount of XXXX and XXXX From early XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), a collector should discuss a past due debt with the minors parents. At the time of the collection I was not even of legal age to consent or be held responsible. If you do not delete these charges off of my report, I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the item below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX not mine
Product: Checking or savings account

I thought I was paying for goods and services from the XXXX XXXX XXXX. I immediately realized I had been scammed over the phone and tried calling Suntrust ( Truist ) bank to cancel the XXXX transaction. I was on hold and couldnt get through so I drove directly to the bank. They told me I couldnt handle it there and to call the XXXX number and gave me the number to customer service. I explained I wanted my account either frozen or shut down as I didnt want this transaction going through. They said I had to call the customer service line. I explained the time may run out that i have already been trying to get through so this is why i came directly to the bank. I called immediately again but they seem to be short staffed so I was put on hold. After XXXX on hold I drove to another Suntrust ( Truist ) bank trying to get immediate help for canceling the transaction. In that bank I remained on hold and the suntrust employee and I sat in her office as she also tried calling. After she was on hold too for XXXX she told me the pending transaction went through even though it still said pending in my account. I was still on hold with my phone still and she told me to stay on hold and speak with the fraud/claims Dept for a possible refund since it still showed pending. After being in hold for XXXX someone picked up and transferred me again. It wasnt until XXXX of being on the phone that someone picked up and told me the transaction went through and it was too late even though it still was showing pending. I explained that if I hadnt been sent to 2different banks, been on hold XXXX for this phone call and almost XXXX prior, and also tried calling right after it happened which wasted an extra hour of being on hold again I wouldve been able to cancel it in time. I never received the services I thought I was paying for. It was a scam and because it took me close to XXXX to get someone on the phone to cancel the transaction, they say it cant be cancel and I lost the money. I feel this isnt right and I shouldve been protected. If I had access to actually speak to some right away, it wouldve been canceled in time. Again it still hasnt been resolved because they wanted to transfer again back to the claims dept. They bounced me around on the phone for XXXX and bcuz XXXX couldnt speak to anyone, I missed the transaction time frame period. Although it was a scam I was under the assumption that it was service via XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) and they were threatening to cut my electric within the hour. Please help me rightfully get my refund from Truist Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, XXXX have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.
Product: Debt collection

I have sent Certified letters to Fox Collection Center for account XXXX located at XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX and XX/XX/XXXX and they have not verified not validate that this is my debt. I have copies of letters that I received from XXXX and XXXX that this collection is deleted from my consumer report, but they refuse to send the letter to XXXX for deletion from my consumer report. I sent them certified letters and as of this day XX/XX/XXXX they have not once sent me anything.
Product: Mortgage

Last fall I began the process of being qualified to receive relief in my mortgage payments via the HARP Program with Chase Bank. There was a steady flow of information back and forth but what made it tough was that every 3 to 4 weeks I was assigned to a different Account Assistant. I seldom talked to the same person twice. So everything had to be repeated numerous times. Finally I was informed that I qualified for Harp relief by XXXX XXXX, who told me to keep paying and not to get behind while the agreement was being finalized. I was told that my mortgage payment was being changed from {$1700.00} to {$970.00}. I sent this in on a timely basis. In the midst of this XXXX XXXX was removed as my assistant but I was not aware of the change -- no one called. Then I got messages from someone from a collection group saying that I was expected to pay {$1700.00} and the {$970.00} could not be applied to my mortgage. I explained that there was an error and I was now under a different plan. Well l was charged {$69.00} late fee. I protested. My case was escalated to a manager at Chase who tried to help but who continued to misread the contract. Eventually I was told that I had been kicked out of the Harp program because I had paid my bills on time. So I wondered if this were the case, why should I pay {$69.00}. In the meantime I had paid another payment of {$970.00}. I was told by the manager that I would be refunded the {$69.00} which did occur. The manager told me that even though my payments were reduced to {$970.00} and even though I did not have to pay the late fee but if I stayed in Harp every month my credit score would be challenged by a late payment. I did not accept this. I immediately sent Chase a check for {$3400.00} to cover the XXXX reduced payments and to keep my account current and to stay out of Harp. I asked Chase to remove the penalty statements from all of the credit bureaus so that my credit rating would not be adversely effected. Chase refused. I am insisting that Chase does the honest and right thing which is to inform each of the credit bureaus that I did not have a late payment. Chase should send me a letter confirming this.
Product: Vehicle loan or lease

I bought a new car using Chrysler Capital. In XX/XX/XXXX, I received a lien release letter and the title from a XXXX XXXX. I attempted to trade this car in using the title I was sent and the lien release letter. However, the car dealership is telling me I was not " sent a valid title. '' According to what the dealership sees, Chrysler Captial still holds the lien. I have attempted to talk to Chrysler Capital over the last 3 days only to be told they use XXXX XXXX for their titling. I have called XXXX 3 times over the last XXXX hours and they are " researching the issue and can not provide a time frame. It could take 3 days, 2 weeks, we do not know. '' I traded this car in for a new car and these two organizations are holding my title ransom on a loan that I have fulfilled my end of the contract. Chrysler Capital has failed to meet its contract with me. I still still sit here, not officially owning a car I have had possession of for 13 years. The DMV reports there was a new law effective XX/XX/XXXX that says my XXXX release letter is not enough and the lien holder HAS TO click an electronic box to release the title. Neither party is taking responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX XXXXays straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I 've been trying to get my loan modified with Wells Fargo since XX/XX/XXXX. I keep getting denials with no explanations or reasons to substantiate the denial decision. I keep resubmitting my information to be considered for the reentry process, to no avail. It seems as if Wells Fargo is trying to force me into foreclosure verses trying to assist me in keeping my home. When they review my payment history, they applaud how I 've been able to make timely payments and extra principal payments as a widow. 
I 'm not able to attach any documents. I 've never received a denial letter. When I called to get an update, they would tell me that my request was denied.
Product: Credit reporting or other personal consumer reports

i just checked my credit profile for the first time and i have an account that was never mine and does not belong to me or inquiries my credit was hacked my social was hackedXXXX XXXX XXXX XXXX  - XXXX inquiry XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> these dont belong to me i need help in assitance my credit has been compromised
Product: Credit card

I opened a Macy 's credit card once, did not get their bill. They threaten me for debt collection. On the phone, I gave them my bank account number, paid for the late fee and everything. At the same time, I requested to cancel my credit card with them. I am still getting another bill from them to pay them another {$2.00}. Even though I am not their customer anymore.