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

Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using credit karma and there suggested credit cards for 2 years or better. My first credit card was a suggestion from credit karma and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX XXXX reported to both exifax and XXXX  and they took 126 points. They said because I used to much of the balance, utilization? I get it now. Credit karma offers me another card from XXXX XXXX  to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with credit karma and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My fico from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my credit karma account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also credit karma keeps telling me I have a saving account with them when I don't, never had.
Product: Vehicle loan or lease

Exter finance declined my deferred payment request even though I told them about my XXXX service, XXXX  and XXXX XXXX Status. Im a 100 % service XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report without any explanation. I refreshed the page, thinking it was a mistake, but the issue persisted. Im extremely frustrated by this and need a thorough review of the documents Ive provided to prevent this from happening again.
Product: Debt collection

Jefferson Capital LL marked my XXXX XXXX XXXX with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on Jefferson Capital website- the address noted is incorrect and the account noted from XXXX XXXX  is also incorrect. I never owned an account with XXXX XXXX and never received documentation that I owed them. I've requested documentation per attached emails to Jefferson Capital LL without success. 

I demand that Jefferson Capital LL investigates these false reports and provides all pertinent documentation including : 1 ) Proof that the debt is mine and that Jefferson Capital LLC has the right to collect it.

2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed.

3 ) The charge-off date.

4 ) The account number associated with the debt.

5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges.

6 ) Confirm whether or not the statute of limitation on the debt has expired. 
7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. 

Jefferson Capital LL also needs to remove all negative derogatory markings on my credit scores from all XXXX credit bureaus [ XXXX, XXXX, XXXX ].
Product: Debt collection

To Whom It May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this debt from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt, license to collect such debt in my state. 

The name and address of the original creditor, the account number, and amount owed. 

Agreement that bears signature of the allege debtor with promise to pay the original creditor. 


Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request could and will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX
Product: Mortgage

The mortgage company platform has used predatory practices to secure me into a mortgage and use methods of credit reporting platforms which were not accurate or updated. The technology was immature and all done virtually which was not verified or authorized. The conventional loan I should have been able to qualify for was denied and I was forced to pay mortgage insurance and a higher mortgage premium instead. The current housing market and economic growth paired with job losses for me have resulted in a total loss of income and apparent opportunity to take a home I have put my life savings into. I have been a victim of a predatory mortgage system in the USA by both the conventional home loan and FHA home loan practices and if forced to give up this home due to job loss and income will continue to cycle of punishment to people like me who are trying to achieve a safe livable environment that I had to jump through incredible hoops to achieve and accomplish. Full loan forgiveness is requested in addition to seeking payment to maintain and improve the property as long as I am living on the property and dwelling.
Product: Credit card or prepaid card

In their letter of XX/XX/XXXX attached to this complaint Citigroup representative XXXX XXXX provided me with the following information : " Our investigation found that we previously requested that information be removed from your email messages. However, a subsequent request reversed the adjustment. We have again requested that the information be removed. 

Please allow up to two billing cycles for that to take effect. If after two billing cycles, the account information has not been suppressed from your statement email notifications, please call me directly at the number below, Monday through Friday, between the hours of XXXX XXXX and XXXX XXXX ( ET ). '' It appears that XXXX XXXX of Citigroup provided me with false information since the sensitive information had not been removed from Citigroup 's statement email notifications. Citigroup 's response of XX/XX/XXXX, which is also attached to this complaints, stated that Citigroup is unable to protect my personal private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX  XXXX balance {$64000.00} BANK OF AMERICA XXXX balance {$5700.00} PXXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXXXXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : First Progress Card When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Saw XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

In XXXX, I opened a credit card ( Chase ) for the company I worked for. I was in management and had the authority to open a credit card. In XXXXXXXX XXXX XXXX, I left the business and requested they remove me from all bank accounts and credit cards. In XXXX, I was told by Chase that the card had continued to be used by my former company and they had defaulted. The card had been used without my knowledge or authority for unauthorized purchases. I opened a fraud claim with Chase. They conducted an investigation and determined I was liable and this was not fraud. They have closed the investigation. I believe the bank has not conducted a thorough investigation for the following reasons : 1. I was told by two members of the fraud department that I needed to file a police report for the bank to conduct their investigation. That police investigation is still ongoing, yet the bank has closed their investigation. 
2. The bank has not interviewed me to determine what happened nor asked for any information to be submitted. I have had to call multiple times to talk to operators who can only read from a script. 
3. I spoke to the fraud department with the CEO of the company to discuss what happened. I was told to submit a police report from that conversation. I was then contacted by the same fraud department and told they had closed the investigation and they do not need a police report. 
4. The bank continues to charge interest and try to collect payment from me. 

In addition, the credit card account does not list me as an authorized user of the credit card and the account has another employees email address as the primary user of the card. I had no ability to check this account when I originally inquired with the bank in XXXX when the credit card default was reported to the credit bureaus.
Product: Debt collection

1st conversation with Midland - Date Unknown The representative from Midland Credit Management called explained that I had a debt from XXXX in excess of {$2000.00} and that they wanted to settle the account. I asked them to mail me proof and to give me payment options if everything checked out. They explained that they were n't going to mail me anything and that the only payment they could take was over the phone via debit or credit. I told them that I would not ever give them any of my account info but I would be willing to mail a cashier 's check if the debt was real and if they were who they said they were. They said that they could not accept payment in this fashion and could only take debit/credit. They then threatened me with a lawyer. I told them if they want anything from me, they need to mail me a verification of the debt, then I hung up. 

XXXX/XXXX/16 I spoke with XXXX XXXX from Midland Credit Management. He, again, explained that I had a debt of over {$2000.00} to XXXX and that he was a debt collector trying to resolve the debt. I explained that I had reviewed my credit report and the charge off, according to my credit report, was under {$1000.00} and that I would like written explanation about the debt that I owed along with proof that he is who he says he is. An account manager got on the phone and told me that all of this could be handled with conversation and that they had already mailed an explanation of debt to my old address ; one I had not lived at since the end of XXXX, 2016. I asked that she mail another explanation of the debt to my new address so I could have it in writing. She said that she would not be able to do that because their system would n't allow them to resend letters. She then went on to explain that time was not on my side and that the debt would be turned over to an attorney. I told her to go ahead and do that. 

XXXX/XXXX/16 I spoke with an individual who did not identify himself but did say he was from Midland Credit Management. He called trying to collect a debt on a XXXX XXXX account. He also said that he is trying to avoid the account being turned over to an attorney. I explained that I spoke with someone in XXXX and requested that a letter be sent to me explaining the debt and for conformation purposes that they are who they say they are. The gentleman explained that they had no record that they had ever spoken with me. He also gave me the same story that they could not send a letter or fax one to me because they have already sent two, none of which came to me. I asked the gentleman to please mail me a letter identifying my rights, identifying themselves and explaining the debt ; then I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows several inquiries for new lines of credit that I do not recognize, 3 are from the same company/credit card bank. And also XXXX XXXX where I was in a fraudulent issue in XXXX, it is still showing in a very negative impact on my report. Ive have numerous issues with my cell phone also in reference to my bill being a huge amount. Was in a fraud investigation with XXXX and they said they could not find anything, actually 3 times with XXXX. With XXXX XXXX XXXX I received paperwork by mail in which I returned and then I received a letter stating they did a thorough investigation and found it was fraudulent activity and I was not responsible for any amount charged. I feel like someone has actually taken my identity now that I think about everything that has happened over the last 2 years. Also, I was in a XXXX claim since XXXX and just now have been deemed XXXX XXXX XXXX. Im not familiar with this type of issue of fraud, so I am not sure what to do. But when I received an email and have been receiving several emails saying inquiry on my credit report, I really didnt pay any attention and thought it was just spam. So, I really do not know how to proceed with this or where to start. And it is not just XXXX XXXX that I have a problem with, there are several others, some I mentioned within this note and there is also one on my credit report that has an address of Delaware or Maryland and I am not for sure the name, it was abbreviated on my report. Thank you XXXX XXXX XXXX
Product: Student loan

Since before my student loans were due again in XX/XX/, I have been trying to either get a forbearance or deferment on my loans. I have submitted the forms for both multiple times over the following couple of months and I have not received a single response yet. I have a lot of medical bills recently because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I can not afford to pay my student loans at this time.
Product: Debt collection

On XXXX XX/XX/2020 @ XXXX, I called XXXX XXXX XXXX and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.
Product: Mortgage

not sure where to start. My husband had a XXXX XX/XX/XXXX.Our mortgage company XXXX XXXX XXXX took over a year to help us with a modification. After 14 months of taking the permanent modification payments they told us we did n't meet the guideline. no explanation. The mortgage was sold to Fay Servicing. Again no help. I received a foreclosure letter dated X/XX/2017 when i called Fay Servicing thy told me they did not have this information and to fill out yet another modification package, which did and they showed up at the house with a cash for keys agreement & release. The house was foreclosed and sold. My children live there and now apparently have to move but we have n't heard when.There is plenty more that happened but I am at a loss onwhere to begin.
Product: Debt collection

Wakefield and Associates ( # XXXX ) /medical? 

Not sure where this is coming from and have not receive anything in this name but is showing in my credit report and is hurting my credits!
Product: Debt collection

It has been brought to my attention that there is a lien placed on my SSN, through Citi bank for a credit card from XXXX. Citi is no where listed on my credit report as a collection, active, or closed account. When attempts from myself and financial representation attempted to gain information such as debt payoff amounts, and signature pages the representatives refused, stating my account needed to go into review and in 3-5 business days we could call back for further decisions. On XX/XX/XXXX my wife, XXXX, was able to climb up the representative ladder to speak with a Manager at Citi, XXXX ID # XXXX, who released the lien. She also gave my wife the information of their attorneys office whom she would be sending the release to for contact, XXXX, XXXX, & XXXX. We contacted the attorney 's twice, and both times they stated the file does not exist in their office. 

XXXX XXXX Courts have closed the case due to age though they do not have the release of lien to remove it from my SSN. 

On XX/XX/XXXX, two calls were made to Citi 's Internal Recovery dept. Both the representatives refused to forward Mrs.XXXX to a supervisor. Stating the account needed to go into further review for a decision to be made. One of the representatives even hung up during the phone call with my wife. The debt is from XXXX, all requests of documentation to be presented have been denied. Now that it is supposed to have the lien released, we are back to the beginning of attempts to collect the debt.
Product: Debt collection

I have asked them repeatedly to stop contacting me by phone and to do it through email or usps only and they refuse. They scream at me and say they can contact me however. Call numerous times a day from many different numbers from many different states. It's a different number each time.
Product: Debt collection

Radius Global Solutions LLC Sent me letter of debt collection without my written consent according to 15 USC 1692C, they are in violation of U.S. CODE 1692c, 15 U.S. CODE 1693m, I AM REQUESTING {$1000.00} UNDER CODE 15 U.S. CODE 1693m CIVIL LIABILITY.
Product: Credit card or prepaid card

I filed a charge dispute for XXXX with Discover on XX/XX/22 for services that was never provided from a lawyer. XXXX XXXX took my retainer and ghosted me refused all my calls. 

I submitted supporting documents online to Discover XX/XX/22 support my dispute On XX/XX/22 I received email from Discover finding in my favor and refunded charge back to my account On XX/XX/22 I received call from a man name XXXX from the executive office of Discover telling me that he will be billing charges back to my account because he received signed agreement from this lawfirm with my signature. XXXX at Discover executive office never gave me a chance to review these " documents '' he received from lawfirm before making this horrible bad decision. 

I filed complaint with Mass Board of Bars Overseers and after reviewing my case they're investigating this lawfirm for lying misuse of funds code of ethics. 

I am not responsible for any charges from this merchant
Product: Debt collection

AMSHER IS A THIRD PARTY COLLECTION AGENCY THAT HAS violated my privacy rights and they also violated rights under federal protection under the FCRA 15 U.S.C 1681. By reporting my information to the credit bureau company contact which is unlawful in resulowering my score and hindering me from getting new loans and credit cards. I also have audio recording of the company 's reps being very disrespectful. Third party reporting is unlawful and illegal ( especiallywithout consent ), this will result in legal matters. 
I do not consent to any companies collecting my information and selling it for their own use. Nor did the company 's notify me about reporting which is also unlawful and illegal.
Product: Checking or savings account

Ally is holding my funds due to a merchant error causing refunded checks. My auto payment will be returned to cause a late payment with my lender.