23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I 've been listed as additional user on a citicard since 1992. My dad ( primary account holder ) added my brother and I when we were young ( XXXX ), for unexpected expenses while traveling, etc. I have n't seen or used the card in over 10 years, and assumed the card no longer existed. My brother still has his card, and accidentally used that card ( instead of his normal CC ) for an {$850.00} charge in XXXX. My dad was travelling all XXXX, and did n't get the bill, thus did n't realize anything was owed. He learned of the issue 60 days after the due date, and immediately made full payment. Despite XXXX year history of 100 % on time payments, citicards dinged all three of us with the credit agencies. In summary, my credit rating ( with no blemishes prior to this ) has now been dinged because of an fluke event related to a card that I did n't even know still existed ( I threw away my card over 10 years ago ). I was never contacted by citicards at any point about the issue. It is extremely unfair for them to ding my credit without giving me any notice that I had an outstanding liability. I 've never been late on any payments of any type. Despite my best efforts to solve directly with citicards, they refuse to even let me discuss the issue with anyone with capability to revise the credit issue as currently reported to the rating agencies.
Product: Debt collection

Hello, I'm requesting a collection from Common Wealth Financial located in XXXX XXXX PA to remove a collection from my XXXX credit report for {$2900.00}. The original creditor is XXXX XXXX XXXX. Back in XXXX I was a victim of XXXX XXXXXXXX and I have a XXXX XXXX against my ex husband. I had to be transported to the ER I believe in XX/XX/XXXX and I paid my ER bill. I never received an ambulatory bill. It's now XXXX and it's showing up on my credit. The XXXX XXXX case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed an inquiry on my credit report DATE OF INQUIRYXXXX XXXX, XXXX
Product: Mortgage

I was modifying my mortgage loan with Carrington mortgage. The representative I was working with told me I had to stop making my mortgage payments in order to qualify for the remodification. I was told that the late payments would not be reported to the credit bureaus. I did so and the remodification went through. Several months later though I checked my credit and the lates had been reported and now my credit is suffering because of it. I 've contacted Carrington several times and they 've never called me back.
Product: Debt collection

I asked this company for a signed contract with my signature. It was never provided for me. The only thing was provided to me was a billing statement of charges that was made under this account. I responded to them and told them I have never opened up an account I do not have a credit card with their company. This is aI asked this company for a signed contract with my signature. It was never provided for me. The only thing was provided to me was a billing statement of charges that was made under this account. I responded to them and told them I have never opened up a account I do not have a credit card with their company. This is a third-party company that constantly harassed and reach out to me. Two accounts thats under this account that need to be removed from my credit report.
Product: Debt collection

There is a unknown medical charge of {$590.00} which no way do I owe. I have disputed and received nothing. Please help
Product: Debt collection

Debt collector is trying to collect {$1100.00} for an account that was {$500.00} max. The debt is too old to be on my account and they originally agreed to remove the debt. Now they changed the date on the account and are trying to collect more money but you cant even reach these people on the phone.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX company added XXXX XXXX XXXX for {$1300.00} on my report that I am not aware of. I have never been contacted by XXXX  or anyone else regarding this account, I was notified by Experian. I have never been billed, nor know who the medical facility or provider is that the original debt belong to. My insurance has never been billed either, because I have no denied claims. I have disputed this information, as well as mailed a letter to XXXX disputing these accounts, because XXXX is obviously a duplicate. This is severely impacting my credit and it needs to be removed immediately. I pay all bills in a timely manner that are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX IS KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX THE DEBT PURCHASER. THEY REFUSE TO CHANGE THE DATE OPENED ON THE ACCOUNT TO INJURE MY CREDIT STANDING AND THEN SELL ME CREDIT CARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint I asked this company to validate this debt because I need to know whos account this is before I make any payments on it. This company is claiming that I made a {$20.00} dollar payment arrangement with them on XX/XX/2016 and that they spoke to my daughter on the phone because I do not speak English. First of all I do speak English very well and second I did not make any payment arrangement with anybody in this company, this company is telling me that two {$20.00} dollar payments were made by me when I fact I have never made any payments to them. One payment on XX/XX/2016 and another payment in XX/XX/2016, I want the original contract from this company bearing my signature on it, I do not want any statements or any itemizations like they told me that they are going to mail to me, I know what the FCRA says and an itemized piece of paper or any statements is not enough to validate a debt or this debt for that matter. Like I said this company and the hospital where this debt came from are breaking the law by sharing personal health information. I want this account expunged from this companys files and deleted from all credit reporting agencies that it is being reported to now. I need the original contract bearing my signature that obligates me to pay this company or delete the account.
Product: Credit card

I applied on line in XX/XX/XXXX Looking for a lower interest rate or 0 % for a few months it asking would want to do a balance transfer if I was approved. So I gave the information. It said I had been approved but never said the interest rate. Or anything else. I got kicked out of my home. So I never got the credit card to activate or decline the card. A month later the did the balance transfer without my permission. I called spoke to a supervisor names XXXX.Told him I did not want the card because the interest rate was w a y to high. He apoligisted said he would take care of the problem He said he would close the account and I would owe nothing. Now it 's showing on my credit report months later.
Product: Vehicle loan or lease

I moved and have been trying to get my vehicle registered in the new state, XXXX 
I started the out of state registration process in XX/XX/XXXX with GM Financial and I have requested the vehicle 's title to be sent to the XXXX multiple times. 
In XX/XX/XXXX, I contacted GM Fincncial to confirm if the vehicle 's title was sent to the XXXX. GM Financial said the state of XXXX takes a long time to process so I was told to wait another couple of weeks. XXXX weeks later I called again, GM Financial told me they've sent it via fax but XXXX didn't receive it so I asked again to resend. GM Financial said they would resend it via fax and mail. The following week, I was told that XXXX couldn't accept a copy ( fax ), and they haven't received a mail, I called GM Financial to notify that it couldn't be sent via fax. Then GM Financial told me that there was no record of the title being sent out. Now, in XXXX, nothing has happened. I called and was told that GM Financial didn't have my new name after I got married in XXXX which I sent the marriage certificate and completed name change request. I resent the marriage certificate and did the name change AGAIN. XXXX and XXXX I spoke with multiple customer service agents, every time I was told it was taking time because of my name change, there is no record about out of state registration in my account, or they sent it by mail so they couldn't help. 
On XX/XX/XXXX, I requested to send the vehicle 's title via XXXX with a tracking number instead of regular mail. I was promised that by the following week XX/XX/XXXX, when I call back, GM Financial would be able to give me a tracking number. Called on the XXXX. I wad told that there was no information about tracking number but it showed they mailed it out in the past. I AGAIN requested to send it out with a tracking number to the XXXX. Confirmed the address. I was promised I would receive a call from GM Financial by today XX/XX/XXXX the latest. No call. Called GM Fincncial and put on hold for about XXXX minutes, and then the line was disconnected. I don't know what else to do. I have a vehicle I haven't been able to drive for over 6 months and it's not going anywhere. Is it possible for you to help me? 
Anything would be helpful. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX 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 reporting or other personal consumer reports

I am writing to formally dispute the charge-off status of the account referenced above, which appears on my credit report. I believe there has been an error in the reporting of this account, and I request a thorough investigation into its validity. 

Details of the account in question are as follows : Account Number : XXXX Original Creditor : XXXX XXXX  Date of Charge-Off : XXXX XXXX Current Status : Charged-Off I have reviewed my records and believe that the information reported regarding this account is inaccurate. I request that you investigate this matterand correct any inaccuracies in your records. I think it has been a matter of miscommunication. I was not aware of any late payments whatsoever. Please provide me with a written response and investigate this dispute within 30 days of receipt of this letter.
Product: Credit card or prepaid card

I made a {$750.00} payment that has been debited from my bank account. The payment is not being reflected in my available credit. I have attempted to resolve this with the credit card company but have been unsuccessful. The company is holding my money illegally.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX And XXXX XXXXXXXX ACCT # XXXX.
Product: Prepaid card

I bought my credit card around XXXX at my local XXXX XXXX I bought it with cash ( {$25.00} American Express gift card ). I ended up having to wait over half an hour just for my card to activate. I tried inputting the card information into my apple wallet, but it supposedly didnt work. I then tried multiple online websites like XXXX and XXXX XXXX. Still of no avail. After doing some research, many thousands of people if not millions have had the same issue as I have. So I then called the number on the back of the card. They were of no help, and I was only told to keep trying. Id like my refund immediately since i also had to pay a extra {$5.00} fee for a gift card that doesnt even work.
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 : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account # : XXXX has violated my rights.

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 adverse item of information, other than r
ecords 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 or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Checking or savings account

Bank of America closed a charitable scholarship fund due to lack of paperwork on the account and the check they provide was not good. I received an " unable to locate account '' from my new back. Bank of America owes our scholarship fund XXXX. I worked with them for 3 months and gave them everything they requested and each time they indicated all was fine until XXXX, when I received a check in the mail for the amount XXXX ( Balance in the account ), indicating they closed the account. At least 6 calls to their back office and 3 visits to the local branch and it produced nothing to keep the account open. The account was out of compliance because they lost the paperwork between changing systems over the years yet it is our ( consumer 's ) fault they are unable to maintain paperwork. Their back office is a complete mess and their people are poorly trained. They are engaging Robo Closing of our accounts due to their incompetence.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry : XX/XX/year>
Product: Vehicle loan or lease

I have purchased a vehicle they inspected the vehicle. No Im good and well that it wasnt gon na pass inspection. Oh, I went to go see what was the issue of the call because I let them know that the XXXX XXXX was XXXX and something was wrong with the XXXX They told me that there was nothing wrong with the engine. The engine is fine, and a couple weeks down the line The car stopped and it wouldnt start anymore so I sent it back to the bank Home like XXXX or XXXX months that line is XXXX paperback talk about this is what they sold. The car for this is how much I owe back, but I tried to take them to court about this vehicle because they let the dealership sell me a XXXX, and I didnt even have the car for a whole year when all these problems paper stating that they tried to take me to court I just got a letter in the mail from my job took my I have a garnishment from them and everything
Product: Credit reporting, credit repair services, or other personal consumer reports

information was involved in equifax breach, offered settlement never received money. emails and calls were never responded to. My identity has been compromised due to this.
Product: Mortgage

Problem with Nationstar MortgageI have written you XXXX before about this company and the way they do business. It has not gotten any better. 
I started the loan modification process in early XXXX. I previously wrote you how they " botched '' the application after torturing us for months, making us resubmit the complete application XXXX times, etc. 
Long story short : After they finally approved the modification in XXXX XXXX. I was told to pay the regular mortgage for XXXX and start the XXXX lower payments starting in XXXX. I paid XXXX and XXXX on time. 
In XXXX, I was informed that I paid all 6 months in full. When I called to question that, they said I should not have been told to pay XXXX mortgage - that it actually counted for the XXXX XXXX payments. They resolved this problem, by sending me back the XXXX and XXXX payments I made and letting my unpaid balance and penalties grow starting XXXX XXXX. 
Late XXXX, someone finally resolved the issue and stated that I would go on the unemployment program starting XXXX XXXX. If I paid my {$600.00} monthly statement on time for 6 months and found a job prior to XXXX XXXX, I would then qualify for a loan modification. He said that usually they even forgive up to 75 % of the debt. I was also told : The new loan % rate will be reduced and/or the payment period extended. There would be an initial 3 month trial period to see if I paid on time. If I did, the new lower monthly amount would start in the XXXX month and continue until the end of the loan. 
As requested, I sent in the verification of employment form in XXXX after I was hired for a new full time job. I was told to pay the XXXX payment and to contact Nationstar to start the process of the 3 month trial period. I contacted them to see the next step. They told me to call back in a couple of weeks. 
When I called today, I was informed that the " investors decided not to participate in the loan modification. '' I was knocked down to my knees. I was finally able to speak with a manager. He informed me that all of the outstanding balance, {$34000.00}, is due within 9 months to XXXX year, and and my mortgage will still be the same ... ... we will have to pay over $ XXXX/month or we lose the house to foreclosure. 
Needless to say, I think what they are doing is unethical, unfair, and illegal. Not once in any of my XXXX conversations over the last year with various rep 's did this come up as even a remote possibility. 
Can you help to correct this injustice that we are facing and save our home? We have been living in this home since XXXX. I have never been late on a payment or had any problems until Nationstar took over from our previous bank, B of A. 
Please help. 
Thanks, XXXX
Product: Debt collection

I have dispute this account with all three credit bureaus several times. Most recently on XX/XX/2023. I asked for a contract and proof of debt. I have not received anything from the company validating or verifying this debt. I am not aware of the original creditor nor the debt collector, therefore I need validation to verify that this is indeed my debt. 

In accordance with 15 U.S. Code 1692G, I have already requested verification of this debt. The company has not responded well past the 30 days allowed for providing a response. Since this debt was disputed pursuant to the Fair Debt Collection Practices Act, the company is required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

USAA recently discharged an auto loan I took out in 2016, despite my many attempts to pay it off, after missing a few payments while dealing with the financial and physical issues of my recent illness. Despite willing to pay the loan off in full, USAA refused to stop the discharge of the loan or work with me in any way despite my requests and the recent legislation passed due to the current COVID-19 pandemic. 

Additionally, USAA violated TILA in regards to this auto loan.For a whole year USAA, failed to provide me with any billing statements, information associated with the loan and for several months even refused to accept payments unless they were made from an internal account. This of course was not possible as USAA closed my internal accounts, which caused a 0.5 % increase in my APR as auto pay from a USAA account was a condition of receiving the lower APR. Along with shutting down all my internal accounts due to their repeated failure to resolve a single issue of identity theft, USAA continually stated they would forward me all related loan documents, bills and legers. As a result the vehicle was placed into repossession Immediately after being placed in reposession USAA accepted payment for the total amount due and reversed all fees and penalties caused by their actions. USAA violated the FCRA, by refusing to remove the late payments from my credit report despite many requests. 

To date USAA still attempts to send me all my consumer lending documents online which they restricted my access to years ago. With the exception of finally starting to send me my consumer lending statement which states the monthly amount due. This statement fails to provide crucial loan information, such as a payment ledger, total amount remaining etc. 

USAA, has also been discriminatory by not making all services and data related to my auto loan available to me as it does other members. I am unable to access any of the loan information online, retrieve any documents submitted, set up or make electronic payments or auto drafts online. In fact, I have to personally call in every month to pay this auto loan. 

In short USAA has made a habit of violating TILA, FCRA, has failed to provide a 1099C relating to this charge off, or work with me to make any attempts to salvage the loan. All while having damaged my credit years, reporting this loan as late and repossed, which prevented me from seeking alternative financing elsewhere and escaping their deceptive, discriminatory and illegal lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint directly with Bank of America regarding a Fraudulent Credit Account that was opened in XX/XX/2018. The Bank refuses to remove the account it is fraudulent I never applied for a Bank of America credit card account no one from the fraud department reached out to me via US Mail to resolve my complaint instead they attempt to compel me to pay the debt that I did not benefit from nor do I have any knowledge of who applied for this Bank of America credit card account.