23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have had my rights violated consistently with Discover Bank. The Account # XXXX is listed as a charge-off with the designation Profit and Loss Write-off by Grantor. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), I believe this information is being inaccurately reported. If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from your institution, as required by IRS regulations for reporting the cancellation of debt. However, I HAVE NOT received such a form. This suggests one of the following : The account is being inaccurately reported to the credit bureaus, which is a violation of FCRA Section 623, Or Your institution has failed to report the charge-off correctly to the IRS, which could potentially indicate fraudulent activity. Under the FCRA, you are obligated to ensure that all information you report is accurate, complete, and verifiable. If this account is listed as a charge-off in your internal financial records, the information on my credit report must align with the way it is filed with the IRS. 
Inconsistencies between these records are a clear violation of federal regulations. 
This inaccurate reporting has severely impacted my ability to obtain new credit and caused undue harm to my financial standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I took the proper steps to get these accounts deleted XX/XX/2013{$30000.00} XX/XX/2013{$440.00} XX/XX/2013{$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I tried to thaw my credit freeze at Equifax. I was unable to access my account online ; and was requested to call. I did so, and was unable to get access to my credit account. I was verbally told to mail or fax my request with proof of my identity. I mailed the information certified as requested. I did not nor have not received any response from Equifax. I am unable to access my credit report either online, by phone or in writing. I subsequently was unable to finance a new vehicle ; and had to purchase a brand that used the other credit agencies. My credit score is and has been over XXXX. 

I was able to thaw and refreeze my credit at XXXX XXXX and XXXX without any problem. 
Please require Equifax to allow access to my account ; and at least respond to my requests. 

Thank You.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX CT, XXXX MI XXXX Phone : ( XXXX ) XXXX I was called on the phone by XXXX and they immediately asked me to verify personal information. I was unwilling to provide to a random phone call. I also identified that I was sure I knew why they were calling because of the collection notice I received. I told them I responded to the initial letter for a collection of {$1300.00} was not correct. 

On XX/XX/XXXX, I sent them via this website : file : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX - the following message : I received a phone call today asking me to verify my information over the phone. I am unwilling to do this. Regarding my account that they called about today - I wrote a letter of dispute and sent it to you on the XXXX of XXXX. I have 30 days to respond as listed in the letter I received on the XXXX of XXXX. I dispute the callers comment that I refused to reply. It is not appreciated and I am documenting this reply. 

Further on XX/XX/XXXX ( still within the 30 days and using the same website sent this message ) : I previously wrote you on XX/XX/XXXX to report that I disputed the collections that you contacted me about. You have since sent me nothing but the overall bill, that does not equal the amount you are stating you are collecting. I need to understand how you came up with the amount outstanding, as I have cancelled checks and account statements that do not show the amount you are seeking is correct. Please provide me an accounting of how you came up with the amount in collections. 

To date, I have never received anything from this company other than an " original '' hospital bill with the amount owed that didn't represent the claim. In the interim, I had continued to pay the hospital directly until this was resolved. 

Randomly, they we call me to harass me, even when I indicated to them that I would deal with them in writing. No communications have come to me since the initial request. 

Unfortunately, I don't remember the dates of two other phone calls, but both were harassing in nature. The first revolved around me telling them to acknowledge both the mailed letter I sent in dispute and the web based dispute letter ( referenced above ). They refused to do both. The second revolved around me telling them to provide a valid claim and a proper amount and that any monies paid had to go to them. I told them I had a payment agreement with the hospital and was paying down the amount owed monthly ( sometimes twice ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are 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
Product: Mortgage

At the close of escrow, on XX/XX/XXXX, Dovenmuehle Mortgage , Inc. received an initial escrow payment of {$10.00}, XXXX for property taxes due on XXXX XXXX XXXX, XXXX, TX XXXX. In early XXXX of XXXX, we received a property tax bill in the amount of {$9700.00}. I immediately contacted Dovenmuehle and was told that they would take care of it. However, on Friday, XX/XX/XXXX, we received a penalty bill, in the amount of {$10.00}, XXXX, which includes {$870.00} in penalties. I contacted Dovenmuehle on XX/XX/XXXX, and was told to email the tax department, which I did. I did not get a response or an acknowledgment, however, so called again on XX/XX/XXXX, and spoke with a supervisor named " XXXX '', who said she'd look into it and get back to me. Having heard nothing for several days, I called again and spoke to another supervisor, named " XXXX. '' On XX/XX/XXXX, I received an email from a " Resolution Specialist '' named XXXX XXXX, who said she'd " initiated research into this issue '' and would contact me by XX/XX/XXXX, with an update and/or resolution. I have not heard from her again, although today is XX/XX/XXXX, and I called and emailed her twice today.
Product: Debt collection

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by JEFFERSON CAPITAL SYSTEMS for XXXX in the amount of {$540.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, the loan company sent a repossession agent to my house to obtain a motorcycle. Upon requesting motorcycle, I noted there was no way to transport the vehicle. I informed said personnel to obtain a court order for the repossession as they had no paperwork or means to transport the vehicle. I then left the state for work and was told the agents again stopped by in XX/XX/XXXX, twice, with no paperwork or way to transport the motorcycle. My online payment account was closed so I could not make payments in XXXX or sooner of XXXX. I never received written communications from the company regarding payments and struggled to find a way to pay. I was able in XX/XX/XXXX to find my original loan documents that were in storage and proceeded to send the loan company three XXXX payments and a XXXX payment from XXXX to XXXX which was deducted from my checking account. My account was not re-activated, and the loan price remained the same. I called multiple times after I lost my job only to be harassed and put down for not having employment. I have requested multiple times through emails to the company that my account be re-activated. This did not happen in XXXX, XXXX, XXXX, XXXX or XXXX. I have since sent a certified letter to the company requesting either the account be re-activated, or the title be released to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Toyota Motor Company and XXXX XXXX. For several months I have been trying to get this issue resolved. Toyota refuses to speak to me and XXXX XXXX just keeps telling me that " Our client says the information is correct ''. Which is false. 

I had a vehicle financed through Toyota that was deemed a total loss in 2020. My insurance ( XXXX ) paid them the FULL value of the vehicle and the remaining balance was covered by XXXX. Toyota alleges that the full balance was not covered by XXXX. So, I contacted XXXX myself and asked them why there would be any balance left over. They assured me that the full balance should have been covered and that there was no reason any balance would be remaining. EVEN if I had extensions on the account because these would have been COVERED DUE TO THE PANDEMIC. 
Therefore, the balance Toyota is alleging I owe. I incorrect and it is thievery. Toyota in total has received well over the value of the vehicle and well over my original loan amount. At this point, they are being greedy and I wont allow it.

IN ADDITION, they are reporting this inaccurately to credit bureaus. They
are reporting this as a REPO which is again, FALSE. They are also reporting me as the only and sole owner of this account which is FALSE. My father, XXXX XXXX ( who is now deceased ) Was the account holder and I was a CO-SIGNER. 

Lastly, they gave me TEN DAYS notice to pay this before reporting it to my credit as a bad debt. 

I will take legal action if this is not resolved. 

THANK YOU.
Product: Mortgage

Wells Fargo foreclosed on my home in XXXX and I could make the payments. They did not process my loan modification and instead foreclosed. I was directed to attorneys who would not talk to me. I was not allowed to talk to Wells Fargo about this, I was told to fax my hardship/loan modification info in. They still fore closed on me. I paid approximately XXXX in payments and they took my house. Please return my house or the current market value. 

I called regarding the XXXX XXXX rulling against Wellsfargo in XX/XX/XXXX. They said I was not elligible. If I was they would send me a letter. I said I disageed. They said there is no way to submit a disagreement about this. I said, what if you made a mistake. They said there is no way to submit a dispute. So I said I will contact the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the credit bureaus XXXX, equifax, XXXX and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a serious matter concerning the unprofessional behavior I have experienced with my credit card provider, CitiBank. As a long-time customer for over seven years, I am deeply disappointed by the level of service I have encountered, particularly regarding a recent dispute I had with a merchant. 

On XX/XX/2024, I made a purchase through XXXX XXXX XXXX XXXX website for a pair of sneakers. After waiting several days for my order, I discovered that it had been canceled without my knowledge, and I was never issued a refund. After trying to resolve the issue directly with Citibank for nearly two months, I learned that they had closed the case in favor of the merchant, despite my clear evidence that my order was canceled. 

CitiBank allegedly sent a notice regarding this decision through the app 's notice section ; however, I never received any such notification. Additionally, I submitted all proof demonstrating that the order was indeed canceled and that I was entitled to a refund. Despite this, CitiBanks dispute department failed to take my side or handle the situation appropriately, siding instead with the merchant.

I have uncovered issues with CitiBanks dispute handling that extend beyond my individual case ; many other customers have voiced similar complaints concerning their disputes with merchants. This pattern of unprofessionalism and poor service is unacceptable. The dispute department appears to lack the necessary competence and commitment to fairly resolve customer issues. 

I am requesting the CFPB 's assistance in addressing this matter. It is crucial that consumers are treated with respect and that credit card companies like CitiBank are held accountable for their actions. We deserve a banking experience that prioritizes customer service and transparency. 

Thank you for your attention to this serious concern. I look forward to your response and any actions you can take to improve the situation for myself and other consumers facing similar challenges. 

Sincerely, XXXX XXXX
Product: Debt collection

My identity was stolen in XXXX by someone I knew. He ran up credit card debt under my name. All credit cards but one, discharged the amounts as fraud. I did not know that this account had stayed active until I received notifications from two different collection agencies, 3 separate times ( XXXX, XXXX, and XXXX ). I informed and proved to these collection agencies were fraud, they closed the accounts. What I didnt realize is that this debt immediately returns to Affirm. I noticed a ding on my XXXX credit report about a month ago and so I called Affirm to find out what was going on. The person on the phone said we cant tell you anything as you dont have an account here. So, I filed an official dispute with both XXXX  AND Affirm. I sent the original police report, the conviction of the person who stole my identity and the charges. Affirm came back to me and said no you owe this money..you waited too long to tell us and this account was clearly opened by you per your name, address, SS #, etc Yes, that information was STOLEN!. They are officially harassing me at this point. STAY AWAY from AFFIRM!! They will bully you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to the XXXX credit bureaus. I am enclosing copies of XXXX credit reports to show the inaccurate information being reported. I have called and tried to word with XXXX XXXX XXXX to get this problem resolved, but they keep saying the information is correct. By law, the information being reported on my credit report is inaccurate and needs to be removed. XXXX XXXX XXXX is reporting that I have late payments XXXX days late. On XXXX credit bureaus it show XX/XX/year> in good standing then XX/XX/year>, is XXXX and XXXX days late. Then XXXX XXXX XXXX and XXXX  days late. I am not sure how you can report good standing XXXX month and then the next month be XXXX or XXXX days late. I want this inaccurate information removed from all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am following up on a previous complaint regarding Experians failure to properly investigate and correct inaccurate items on my credit report related to the XXXX data breach. I recently submitted a dispute to Experian to remove unauthorized accounts and outdated personal information, but Experian has failed to take appropriate action. EXPERIAN HAS KEP FRAUD ADDRESS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) WHICH I NEVER LIVED AND HAS UUST MARED DISPUTES AS VERFIED ( 2 ) DAYS AFTER SUMITTING LEADING THE CFPB TO THINK INVESTIGATION IS ACCURATE. 

EXPERIAN HAS LEFT ME WITH NO CHOICE TO DISPUTE BY MAIL OR ONLINE AS THEY SNED A PAPAER NOT ALLOWING THE DIPSUTE FROM DATAT BREACH I WILL SUE EXPERIAN FOR ALL OF THE DAMAGE. HERE IS PROOF CFPB OF DATA BREACH FAILUR TO ADDRESS DISPUTES AND MULTIPLE LIES After my dispute, Experian returned one account as " verified '' without providing any proof of a thorough investigation, despite my assertion that this account was a result of the breach. In addition, Experian has not removed the outdated addresses I requested to be deleted, leaving inaccurate information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to correct $ XXXX added to my bill by XXXX XXXX directly with them on a special type of order they allow. They claim I didn't pay it off. However I have bills showing it was paid down to under {$50.00} prior to the due date of XX/XX/2018 I sent them all of the billing statements proving that. I even filed a complaint with you and the XXXX XXXX XXXX  on this same issue. It was neither resolved or corrected by either agency. Instead it was allowed to fester. I disputed it with all of the bureaus and sent the same exact evidence to them as well. They too ignored it and sent it back with the same incorrect balance not having been resolved at all. I don't believe they did anything other than send them some ticker tape notice saying I disputed the item. I sent them a lot of paperwork that cost me a lot of money to dispute this and explained the situation. They treated it like any other dispute and didn't resolve nor even try to handle it with the proof provided. They just disregarded it and sent me a useless report not saying anything! I refuse to pay XXXX the money I don't owe them and will end up suing them when I get the balance low enough to that point. I don't think a judge would agree with them if this is not resolved this time.
Product: Checking or savings account

I use monarch money a financials aggregator to see all my accounts. 

Optum bank has stopped supporting XXXX party aggregators and has made it much harder for me as a consumer to access all my accounts in XXXX place. 

I find the optum bank website to be sub par and confusing in seeing my balances and growth over time. I'm very unhappy with their lack of interoperability
Product: Consumer Loan

I filed Chapter XXXX in 2008 it was discharged on XXXX XXXX, 2008. Iberiabank continues to report negative information each time I dispute the information they change the closed date to the date of the current dispute. They can not report after the date of discharge. the account will remain derogatory indefinitely if they continue to illegally report.
Product: Debt collection

LVNV is trying to collect a debt that is time barred. It has been 8 years since XXXX  that I made a payment on this debt. XXXX  State time limit is 6 years. They are trying to garnish my wages. This is not the original company that had the credit card debt it was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with  Santander  that beca me 30 days d elinquent in   XX/XX/XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XX/XX/XXXX . According to the FCRA 623 ( a ) ( 5 ), this account should be re moved from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more t han seven year s from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from     XX/XX/XXXX  sh owing the original status of the loan, prior to it being paid in full. I have disputed the information with  XXXX   XXXX   XXXX , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency (   XX/XX/XXXX  ) and the date of first delinquency reported (  XX/XX/XXXX  ) as required by the FCRA. I have attached a copy  of the updated credit report as well. This account should be removed from my credit report as it has reported negative information  for 9 years.
Product: Credit card or prepaid card

American Express approved my application for a Business Platinum card with a sign-up bonus offer to earn XXXX MR pts after a minimum {$10000.00} in qualifying purchases within the first 3 months. As the facts ( with the attachments to here ) proved that American Express had posted qualified purchases and awarded associated points of {$10000.00} within the first 3 months to my account along with written chat confirmation in early XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and a phone conversation on XX/XX/XXXX with XXXX along with a concurrence by a supervisor who stated that my account did meet the qualified spend to earn a welcome bonus which will likely be posted in XX/XX/XXXX after the statement close, however ; I was recently informed via chat on XX/XX/XXXX that my account showed a spend of {$9100.00} without a detailed explanation of how the numbers were computed and that my account will not earn a welcome bonus. 

Again, as the facts with attachments proved that the American Express previously approved qualified spend and awarded pts associated with the purchases showing a spend of {$10000.00} within the 3 months, along with previous written and phone confirmation from Amex Rep that the account did meet the minimum qualified spend to earn the welcome bonus, I'd appreciate a review and correction to this issue in order to award the welcome bonus as agreed. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several hard inquiries on my credit report that I'd like to categorize as fraud and completely inaccurate. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I am within my right to report this information on my credit report as inaccurate and would like said inquiries removed. 

Companies Listed : - 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