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

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance XXXX {$790.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00}
Product: Student loan

I spoke to Nelnet on XX/XX/XXXX regarding the number of payments I've made, the total of the payments I've made, and how I still owe over half the balance I started with 6 years later. The loan started out at {$6100.00}. I've made steady payments since XX/XX/XXXX, at 8.25 % interest, yet I still owe {$3400.00}. I see that I was put on some kind of payment plan in XX/XX/XXXX that I have no paperwork on, nor did I agree to. It started a 52 payment term, and I have no idea why. The customer service rep 's response to my questions was " interest is charged daily. '' That interest amounts to about $ XXXX/day. That would equal in the neighborhood of {$1600.00} paid in interest over the past six years. However, their webiste says I have paid {$3300.00} in interest and {$4500.00} on principal. In addition, the Master Promissory Note is not available online in the documents section, nor is any proof that I agreed to a revamp of my payment schedule in XX/XX/XXXX.
Product: Debt collection

The debt was originally with Climb Loans/XXXX I reached out to climb loanXXXX  on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. I paid the debt off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from XXXX on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with XXXX. I called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to XXXX to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with XXXX directly. I called and spoke with a rep at XXXX that same day as to which I was advised they had not received any documentation from XXXX XXXX. 

The account number of the debt is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from XXXX 's. Which result in a big drop in my credit score
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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

I took out a loan through World Finance years ago. And paid it back in store in less than a month. PAID IN FULL. Since then this loan keeps showing up at derogatory on my credit report. I have disputed it and won on multiple ovcasions but they dont see to understand that you cant double charge someone for a loan and now it is back on my credit report once again.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX XXXX  {$1300.00} and XXXX XXXXXXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/PHEEA is reporting I owe on students loans that are XXXX  years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.
Product: Debt collection

Carter-Young INC said I signed a lease in XXXX for the University XXXX. I never signed a lease there. I was living and going to school in XXXX. I have not been back to XXXX since XXXX of XXXX when someone stole my social security number and tried to claim me on their taxes. I have submitted documentation to them showing them that I never signed and I was living in XXXX and going to school here. They still refused to dismiss the debt as identity theft. The credit bureaus do not want to take this fraudulent information off my credit after I have disputed it multiple times. All Carter-Young has sent me was a lease that was missing signatures but on the very last page it had the initials XXXX typed in. How can that document even be classified as legitimate. The key was never picked up for the apartment and no one never moved in. I want this fraudulent information removed immediately. Also, XXXX, I co-signed that apartment in XXXX of XXXX. I never lived there just helped a friend out who was homeless and trying to get on her feet with her XXXX year old son. I was NEVER informed by her or the company that she was evicted. I never knew anything about that eviction so that information is also fraudulent and I would like it removed from all three of my credit and tenant history report.
Product: Credit card

Dear CFPB Staff, I have citibank Credit Card for more than several years with credit limit of {$7000.00}. Last XXXX 2016, I made a minimum payment as {$180.00}, then on XXXX, XXXX 2016, I made another payment of entire balance of {$6800.00}. That will pay off the balance, then I closed my account. On XXXX, XXXX 2016 I called in to talk with Citibank representative to make sure my account pay off and close. However Citibank staff told me I needed to pay the last interest charge of {$24.00}. I then paid anther payment of {$24.00}. 
As single Mom with XXXX kids, I worked hard to take care a lot of thing, surprisingly I got the email from Citibank again and asked me to pay another {$31.00} dollars. They told me because I still owed them {$0.00} ( XXXX cents ) and I did not pay them therefore I charged me for late charge and other thing. I then decided to pay them {$31.00} on XXXX, XXXX 2016. I did call in to dispute but everything talking to them it took me more than 45 minutes, I then decided to pay them {$31.00}, but this month XXXX they billed me another {$31.00} they told me because they charged me late fee again ... I have no clue why this big Bank abused the law and overcharge and rob the poor us citizen like me. 
It is not big money but it is a against the law and why the big bank continues to cheat and steal the money from poor Citizens. I am please to ask your help to investigate this illegal overcharge the consumers and steal money from people. Since the account has been closed, I do not have a full credit card numbers. I Only have the last four digits of the card. Therefore, I provide you my ss # XXXX XXXX. This is not big money but it is against the laws and it needs to be stopped sooner rather than later otherwise Citi bank will continue to abuse the laws and use illegal business practice to steal and cheat consumers. 
This is my credit card information Citi Forward-XXXX. 
My name : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt appeared on my credit report and I have no knowledge of this debt and no one has sent anything to verify this debt. I have seen several reviews about this company attempting to collect debt that has not been disputed. I have not received anything in writing about this debt and It has been falsely placed on my credit report. Under the FCRA a client is supposed to receive notice about what goes on their credit report and the credit bureau is supposed to thoroughly review and verify these items. According to the FCRA If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This DEBT was listed as XX/XX/2018 and nothing has been received.
Product: Debt collection

This is my second attempt to get the information requested. Hunter Warfield replied with the same response as before. My demand is very specific. PROVIDE UN-REDACTED proof that you have a legal right to collect on this alleged debt. I am a federally protected consumer. My rights are being violated. 




I have requested information from Hunter Warfield in regards to the allegation that I owe a debt. Hunter Warfield alleges that they are providing a service for their alleged client. However they refused to provide any documentation that proves they have any legal right to collect on this alleged debt. I am again requesting a copy of the contract that states such information as per federal law.
Product: Credit card or prepaid card

To whom it may concern, Im writing to you because of issues that have existed with JPMorgan Chase Bank since XXXX of this year. I purchased a flight from XXXX XXXX to XXXX with my Chase Sapphire Preferred credit card reward points inside of the Chase Ultimate Rewards portal on XX/XX/2022 at XXXX. The total points reserved for this purchase came out to XXXX ( the equivalent value of {$450.00} ). Listing specific details about my purchase below for reference : I had to cancel my trip on XX/XX/2022 at XXXX XXXX and anticipated receiving the total value of my Chase points back to my account or the entire dollar value of my purchase. Neither of those happened and I immediately called Chase customer service to find out when the refund would appear on my account. A customer service rep let me know that I would see the full value of the refund on my account on my next account statement. Apparently, it just takes time. I then proceeded to call customer service at the end of the following month when the money was still not shown on my account. The Chase travel rep let me know she has record of me inquiring about my account, and the money will surely be on my next statement. I just needed to be patient. I then inquire a third time and am met with the same response and am offered no options to formally begin a dispute. I was frustrated, but told the only option was to wait it out. I call for a fourth time and beg for some action to be taken. One of the Chase reps opens a dispute on my behalf ( finally ). I had to upload documentation to support my claim to my Chase mobile account. 

Last week, I called Chase AGAIN to check-in about the status of my dispute and was told that the 180-day window for filing a dispute had passed and there was nothing they could do. This is insane as I was never formally informed about my options. I was proactive about determining my best next step, but I was met with no support from Chase 's side. I asked the customer service rep to transfer me to her supervisor which she did. I ended up speaking to XXXX who is a Manager at Chase. He told me that he will escalate the dispute on my behalf and I should hear back within 7 business days. 

Unfortunately, I heard back the next day that Chase declined my dispute without any information. I am terribly frustrated and am tempted to close my Chase Sapphire Preferred card or take Chase to small claims court for refusing to refund my purchase. I feel robbed and am hesitant to do business with them again. I demand that they refund the full amount of my flight to my Chase card immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last 4 of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting  agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.
Product: Debt collection

consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX  XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6.XXXX- XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Product: Checking or savings account

I called to INQUIRE about closing my account due to citibank account changes. I told the agent I would call back to close my account once I recieved more information on redeeming my thank you points first. I check my account online XXXX  days after speaking with the agent and he had closed my account the same day I spoke to him as an inquiry about closing my account, not to close my account on that day.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why this company putting this on my credit report. I have never been delinquent on my payments with any of this people. When I called them they said I needed to just dispute it with you.

I need you folks to fix this account. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above account should be reported as positive standing I thank you for your time. Please investigate and take a look at this account : XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

NOT RESOLVED 1.0 Details When I financed my purchase for a bridal set they said my payment would be {$98.00} a month with the new credit promotion they were offering. When I went to pay my bill the following month the minimum payment due was upwards of {$200.00} a month. 

I went to the store to correct it and spent 3 hours trying to get the issue resolved. They said that the item was submitted incorrectly and they need to re-ring it under the right payment plan. However, because the payment was due I had to make it even though it was an incorrect amount otherwise I would be charged late payment fees. I refused to pay the higher amount. 

They also told me that I wouldn't qualify for lower monthly payments unless the amount charged to my credit card was at least {$3000.00}. They had to take off the sale price and certificates used on my original purchase so i could qualify for a payment I could actually afford. They also stated that the lowest minimum payment I would qualify for was {$110.00} a month, rather than the {$98.00} that was previously agreed upon. I reluctantly agreed. 

It's been 2 months now and the issue was never resolved. My payments have never been correct and I have been spent countless hours on the phone and in the store trying to fix this mess. Currently my payment shows {$220.00} a month and I've been charged a total of {$750.00} in monthly payment fees and late charges. I've now been reported to collections and this account is showing deliquent on my XXXX and XXXX XXXX credit report. 

The associates at the store say they can't help me and I need to talk to Kay Customer Service. 
Customer Service says they can't help me and I need to talk to the financial institution. 
XXXX XXXX says they can't help me and I need to have it corrected in the store.
Product: Mortgage

The typical bait and switch was applied during my mortgage process. Started the process XX/XX/XXXX with a 60 day close XX/XX/XXXX. During this whole time i was due to bring $ 7,000-8,000 to closing. Then on XX/XX/XXXX ( 2 weeks before closing ) I am told that i am going to have to bring nearly {$20000.00} to closing. The mortgage company offered some credits but i am still due to bring $ 16,000-17,000 to closing. Due to timing and needing to close I am trapped to accept this and move forward so that I do not become homeless shopping for a new mortgage company. This is the typical bait and switch at the last minute that has haunted the mortgage companies and Quicken has since applied this to me. They claimed that I no longer qualified for the program because i made too much money but it is the same figure that was given to them from the start.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$50.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.