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

I applied for a CitiBank Credit card. CitiBank turned me down due to FALSE information of a bankruptcy and unpaid credit accounts. 

I contacted CitiBank repeatedly and CitiBank swears that the info they have in their data base about me is correct, for a Bankruptcy and credit unpaid accounts going back to 1993. No one ever sent me any collections information. It has never gone to the credit bureaus. I then complaint to corporate and a so called employee from so called executive office, insists that the records they have are mine. And when I applied for a card for my son ; since, I'm his administrator, XXXX reported me to the Department of the Aging for Financial abuse against my son because I caller not very smart. The Department of the County of XXXX XXXX and myself wasted a week trying to take care of such false report by CitiBank. 

I have a Sears CitiBank Credit Card also.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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
Product: Debt collection

I saw several years back around  XXXX  that there was a new account on my credit report  from GE Capital / Lowes w ith a credit limit of {$20000.00} opened up and active. I contact the bank directly and told them that is was clearly fraud and to please close the account. They did and they have now sent it to a collection company named   XXXX   XXXX   which they have even said it was FRAUD and they sent it back to the bank ( SYNCHRONY BAN K / LOWES ) to clos e it out again! On  XXXX / XXXX / XXXX  Synchrony Bank /  Lowes r eopened the account and added it to my credit file again! They bank has several police reports to bad my story up but they just want listen to me. Now lm losing my house on Wed due to the fraud there commenting against me. Now i do n't qualify for my home loan and I 'm now losing my {$220000.00} down payment on my new house, All because of this!!!! Please help me.
Product: Checking or savings account

Hello my name is XXXX XXXX and Ive already made a complain here and I really want to know how I will get back my money from this company call Groundfloor finance inc. they still have my XXXX and they are talking about suspected fraud after they ask me for my id and everything and i send them its because they dont want to get back my money. I need back my money because they have it and they cant have my money forever and not giving me back so Im writing this to let you guys know how can I get back my money because I need it back?
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing this complaint against Stenger & Stenger , P.C for violations of the Fair Debt Collection Practices Act ( FDCPA ). 
Failure to Disclose Terms : Stenger & Stenger , P.C failed to inform me that the agreement I entered into involved a consent judgment. I was led to believe it was a simple payment plan. 
Failure to Provide Documentation : Despite my requests, they have not provided documentation to validate the debt or confirm the agreement. 
Improper Handling of Legal Proceedings : A judgment was entered against me without proper explanation or an opportunity to defend myself. 

I request that CFPB investigate this matter and ensure compliance with FDCPA regulations. These calls with this provider were recorded and I was able to record XXXX myself Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 ABOVE ACCOUNTS/INQUIRIES WERE NOT AUTHORIZED.
Product: Credit card

They are just persisted on not reporting to the credit bureau and charging interest rates that should not be there the only time you should receive an interest rate is if you are late on your payments but I have I have not been late on my payments. On XXXX the XXXX I paid my balance in full of XXXX and yet my credit score is still at a XXXX previously before that my credit score was at a XXXX and they dropped it down to XXXX when I use my balance I don't think this is fair
Product: Checking or savings account

On XX/XX/2022 I was contacted by someone from Navy Federal, he told me that someone was trying to make a purchase for $ XXXXand if it was me. I said no and he asked for my social security number and I gave it to him, he said that he was going to put I block on, y account, the called failed>. When I got home I called Navy Federal and asked about the call, I was told that my {$10000.00} from my account were gone. It was a transfer from member to member.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I purchased a used refrigerator from XXXX XXXX  and obtained a rent to own lease from Acima Credit. I have been making bi-weekly payments to Acima since about a week or two after that date. I have the option to pay the total amount off within 90 days, in order to avoid having to pay any interest. That was what I intended to do. On XX/XX/2020, I determined that the refrigerator was not working. I contacted XXXX XXXX  and was advised that the item had only a 30 day warranty, which had since expired. I contacted an appliance repair person and paid him {$40.00} to have the problem diagnosed. He determined that the fan motor was not working. The following Monday, he attempted to find a replacement part, but was made aware that it could take as long as 30 days to obtain this part. On Saturday, XX/XX/2020, I contacted Acima and was told that I could terminate the contract and have the refrigerator picked up. I decided to wait until Monday, to find out about the status of the part. When I was informed by the repair person that the part could not be obtained for possibly 30 days, I contacted Acima ( on XX/XX/2020 ) to initiate termination of the contract. I was asked to provide photographs of the item, which I did. Now Acima wants me to pay {$270.00} for a non-working refrigerator. This makes no sense to me. I want Acima to either pick up the refrigerator ( Acima does not want to because it is not working ) or allow me to junk it and terminate the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, do swear under the penalty of perjury all I will say here is true and correct. 
I am a victim of ID theft. I have been to the police and they caught the person who perpetrated the fraud acts named here. I opened a bank account at USAA, and have my indurances there also. My bank account was hijacked by a fraudster. He had my personal info, cloned my phone number, and illegally gained access to my bank account at USAA. He opened a few other bank accounts at XXXX, XXXX XXXX, XXXX, and others. He was able to get those accounts linked to my USAA account by adding the amounts of the micro-deposits into the USAA account. I could not see these added accounts because I never opened the transfer part of my USAA account. When the fraudster made the transfers out of my USAA account to the fraud external accounts, he got the monies out of the external accounts and this caused a negative balance in my USAA account. When I discovered this negative balance in XXXX of 2021, I called USAA and made them aware of what happened, in XXXX of 2021. I went to the police and told them what happened, they at first felt I had used an alias and it was myself who did these fraudulent acts. They caught the perpetrator and took his fingerprints, and gave him a bond thinking it was me using that alias as my SS # is active. The police took my fingerprints and compared mine with the caught perpetrator. My prints did not match his. I was cleared. USAA has the certified police report notarized, and they refuse to remove their wrongful reporting of these fraud acts from XXXX XXXX cra. I have complained dozens of times and the CEO office appoints new people to my case and each of the 4 people refuse to return calls to me. It is infuriating to be ignored like this and harmed by USAA refusing to obey the law and removing their illegal reporting from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX XXXX XXXX from XXXX To which I was XXXX  for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit
Product: Credit reporting or other personal consumer reports

Ive always prided myself on being on time with paymentsnever missed one! So, its really frustrating to see a late payment reported for XX/XX/XXXX when that just didnt happen. Ive tried reaching out to the company, but it feels like XXXX talking to a wall. Other bureaus have already recognized the mistake and cleared it up, so Im asking you to do the same. Its just not fair to have this mark on my record, especially when its causing me so much stress. I really hope we can get this resolved quickly. Thanks! 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within XXXX  days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months.
Product: Debt collection

I received a call from someone saying he was with PayPal and wanted to confirm my purchase of a cell phone to be shipped to XXXX. I had made no such purchase. He elicited some personal information from me. After that his calls continued and I began to be informed that different bank accounts had been opened in my name. I closed those fraudulent accounts. Fraudulent charges appeared on my credit cards and I had to replace those credit cards. Meanwhile, I was in touch directly with PayPal and learned I had a dormant account with them from several years prior of which I was not aware. Eventually, on XX/XX/XXXX, PayPal closed the account. Allegedly, I owed {$3400.00} in debts I never incurred. I learned this by an email received from XXXX XXXX XXXX on XX/XX/2020.
Product: Student loan

My loan service company Navient agreed to lower payment based on my income XXXX 2015. I was forced to agree to their terms over voice recording and was not allowed any other method. I then asked for documentation of the agreement so I have proof of this agreement. After 4 months of calls and emails I only now received a letter and it states ab agreement to higher payments I never agreed to. When I requested the audio, I was told I need a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, credit bureaus and credit reporting agencies have an obligation to investigate and remove erroneous information from a consumers credit report. In XX/XX/2018, I submitted an online dispute on Experian website through their Dispute Center to have specific accounts removed that I believe were placed in error. Among those were, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. On XX/XX/XXXX, I received a notification via Experian 's dispute center stating the accounts had been verified. They did not however, provide me with any supporting documentation or original contract bearing my signature proving I had a contractual obligation to pay the debts in question. Therefore, the accounts had not been verified. On XX/XX/2018, I sent a follow up letter via certified mail to Experian requesting the documentation for the accounts they previously claimed had been verified. Rather than providing documentation, I was sent a letter stating, " We have previously processed this dispute and the credit grantor has verified its accuracy '' and that they " ... will not reinvestigate this information again. '' By not providing documentation and refusing to " reinvestigate '', Experian is in direct violate of my rights as a consumer.
Product: Mortgage

Our home was damaged in XX/XX/XXXX and our insurance company has made several payments to allow us to restore several rooms in our main floor. Once the claim reached a threshold in value, the insurance company included RoundPoint mortgage on the checks which gave them the authority to decide how and when funds were released. We have faithfully followed all of the steps and overcome all of the barriers they have put in the way to delay payments, and they are still witholding about {$9800.00} from a check that was written by our insurance company on XX/XX/XXXX ( coming up on four months ago ). They will not explain why they are witholding funds, their customer service team promises to get us answers from their claims department, but they continue to withhold payment even though an inspector that they hired came to the house and agreed that at least 95 % of the funds should be released so we can move forward to restoring our kitchen. We had not heard from them so we called to check on the claim, only to find that the 95 % had been changed to 60 % so they would not send us additional funds. The customer service department could not provide any more information and promised to call us Monday. Of course we didn't believe that would happen, and we called again today to find that they still have no answers. They are claiming that they need to send another inspector -- even though the inspector they already sent agreed that the project was sufficiently complete to release the funds. They do not allow customers to talk to anyone who has authority, hiding behind a customer service team that, based on our experience, is trained to deflect and delay. That means we can't pay the contractor to start the project, even though our insurance company determined that we needed the full funds months ago ( who has been amazing and told us that they have never heard of anything like this from a mortgage company ). We have spent more than 40 hours on the phone or on hold with this company, the check was written over 3 months ago, and we have no power to make them take action and are therefore living in a house with no kitchen indefinitely. They are taking advantage of us, we're only trying to get our house restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

Last month I've noticed that Experian is reporting inaccurate personal information, along with collections and inquiries that doesn't belong to me. After reaching out to the creditors reporting these accounts, I asked them to verify this debt along with sending me any proper documentation including signed agreements, contracts, receipts or any other form of documentation. They failed to provide to me any valid documentation. The accounts that's reporting to my consumer report are under multiple violations in which Experian must investigate. I have non knowledge of the creditors reporting these accounts nor did I have any prior relationships that would tie this debt to me. I have a right of privacy which was violated. I never gave anyone consent to obtain nor share my personal information with anyone. Experian is reporting multiple addresses in which I only live at one and it's currently on my drivers license. The collections agencies that failed to provide me any documentation continuously call my phone which is a violation and they don't have the proper consent to contact me. Included in this compliant is a copy of my dispute letter with the inaccurate information and accounts that's under multiple violations in which it is Experian 's duty to thoroughly invest and remove anything that's inaccurate and unverifiable. Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Mortgage

I previously submitted complaint, XXXX XXXX, which was answered by PHH Mortgage , the party to whom my complaint was filed. That resulted in PHH Mortgage, denying any record of the property in their system, via PHH Ombudsman. 
PHH Mortgage continues to pursue my property, by an additional response from PHH containing illegal documentation. Specifically, a signed Certificate of HUD Counseling, that is signed with a forged signature of my deceased mother, XXXX XXXX XXXX. This document is being presented for the first time by PHH Mortgage. It is a false document. Counseling was not performed to my mother in XXXX or any other time. I have attached the forged document, as well as documentation with her actual signature. I also have reported this forgery to the NM XXXX XXXX XXXX. The ongoing attempt to take possession of my property through unlawful, fraudulent means by PHH Mortgage ( RMS ) has been misrepresented in XXXX XXXX NM XXXX XXXX, through concealment and invalid recording of a deed instrument, representing that XXXX XXXX XXXX is the owner of a loan through an unlawful foreclosure, unlawful foreclosure sale XX/XX/XXXX and improperly notarized Special Master 's Deed, XX/XX/XXXX. XXXX XXXX XXXX has disclaimed any interest in the property XX/XX/XXXX as does PHH Ombudsman XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX. garnishment on my state taxes for a credit card debt from XX/XX/2007. The garnishment still is active, they sued me in a different county from where I live and served papers after the court date. I figure whatever let them garnish the {$100.00} a year for the next ten years, but now. 
I get a letter from Berndt & Associates P.C. stating I owe {$3000.00} for the same XXXX  XXXX credit card! The original credit limit was {$500.00}. We stopped paying in XX/XX/2007 when my husband and I lost both our incomes. 
So this 11 almost 12 year old debt is still being persued? This seems very WRONG!
Product: Student loan

Navient forces you to pay the interest owed first before applying any amount to the principle even if I make multiple payments a month or over pay. I make payments and my balance only changes by a cents, nothing significant. When ever I reach out to them to correct how my payment was applied it takes 7-10 days. When I ask them specific questions about my loan the answers are always generic and computer like. I am frustrated and tired of how my loan is being mishandled.