23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On my Costco/Citi credit card XXXX statement I had a balance due of {$2000.00}, due XX/XX/20. On XX/XX/20 and XX/XX/20 I had two refund credits totalling {$2500.00}, two weeks before the due date. Therefore I had a credit balance of {$580.00} so there was no need to make any payment, correct? No, two Citi supervisors told me, the system doesn't work that way. 

I then received many harassing messages threatening reports to credit agencies, and insulting requests if I wanted credit counseling. I have a perfect credit score of XXXX. Citi closed my account. I then wrote to Ms. XXXX XXXX, President, Citigroup, and heard from their Executive Response Unit. After numerous calls and messages the rep ultimately said " a credit is not a payment ''. I told them I wondered if a court would buy that logic. 

I paid the subsequent month 's bill in full and the account has been restored. So, except for weeks of harassment and embarrassment of recurring charity payments being rejected, I haven't been injured. But surely, I would like this shabby treatment aired.
Product: Debt collection

Southwest Credit Systems has report an alleged debt to the CRA 's without sending me a notice to dispute or any information so that I could verify the debt. This is a violation of my consumer rights. 

If your offices still believe that I own the debt, I respectfully request that you provide me with competent evidence that I have any legal obligation to pay the alleged debt to your company, original creditor, or anyone else. See the attached document ; Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; Please provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor, bearing my wet-ink signature; Please provide a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor, authorizing your firm to engage in collection activities on their behalf against the above-alleged account. 

Please provide a verified certificate of authority, and/or proof that your company are licensed to collect in my State. 

Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules. 

Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ;
Product: Debt collection

Jon Barry and Associates DBA XXXX XXXX XXXX XXXX XXXX XXXX Ct , XXXX XXXX XXXX XXXX Scammer- Sending collection notice and reporting on paid accounts-This is the second time he has attempted to collect on a paid account. this collection activity should be illegal and this person needs to be have his ability to further this activity removed. I HAVE POSTED TO THE CREDIT BUREAU THAT A PREVIOUS CLAIM WAS UNFOUNDED. 
I have written directly to the address with no response. It seems like this is some kid sitting in his bedroom, trying to scam others to make money.
Product: Credit card

On XX/XX/year> I check my credit card statement via the mobile app and see a {$6200.00} charge that I did not make. The charge was from the previous day ( XX/XX/year> ) made at a company called XXXX XXXX XXXX XXXX XXXX. 
I immediately contact my credit card company, USAA, and report the issue. The card is canceled and a fraud investigation is initiated. I am told that my account will be credited the money while the investigation occurs and that the fraud department will be in touch if they need anymore information from me. At this point, I believe that USAA is trying to help me through this stressful time of victimization. 
Days pass and I don't hear anything from the fraud department. I trust that they have found this to indeed to a fraudulent charge. Meanwhile other fraudulent charges are being attempted and denied on my canceled card. Weeks pass and I begin to have confidence that this nightmare is over. 
Then roughly XXXX weeks later on XX/XX/year> the {$6200.00} charge reappears on my card. I call USAA to inquire about this and initially the customer services reps can not tell me why this charge is back as there has been no letter or report from the fraud department. Several days later I do receive a message from the fraud department simply saying that my fraud claim has been denied and that I am responsible for the {$6200.00}! 
They have given me no reasons for the outcome of their investigation and no other information for their findings. I can not even make contact with them. I have called and asked for an explanation on multiple occasions but will not be put through with anyone in the fraud department. I have asked the service reps what information they need to help them believe me and they have no answer for me. 
They do not seek the truth of the matter. They don't want it to be fraud. They only want to deny and delay and hope that I will go away. 
I have been a customer of USAA for XXXX  years and the one time that I need them to believe me that I have been a victim of credit card fraud, they have basically called me a liar. 
They have this whole facade of being an organization that helps military and veterans. Well, I am a veteran and they are being anything but helpful in this matter.
Product: Debt collection

Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card or prepaid card

I have a current bank account already but I need a new card and when I try to login it says my application is under review... This is some XXXX!!
Product: Mortgage

I was in the process of refinancing my home. I was working with two companies at the same time, XXXX and AmeriSave. My Loan Originator at AmeriSave,  XXXX XXXX, had me cancel my existing refi loan with XXXX that was set to fund the next business day and promised me a loan that was $ XXXX cheaper with the same 2.75 % interest rate. That loan with XXXX was already completed and signed but I had 3 business days right of refusal. I canceled my XXXX refi loan 12 hours before it was set to fund based on my conversation with XXXX and his promises to me. Once I did that XXXX then delivered a closing disclosure with more than double the loan costs that were promised. Unbelievable!! I have been fighting with XXXX and his manager XXXX XXXX ever since to try to get what I was promised. On top of that I have been dealing with AmeriSave and this refi going on two months now, which is a ridiculous amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX  # XXXX, Account name XXXX XXXX  # XXXX, has violated my rights 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

first thing my mortgage started eleven years ago, started through my bank was sold to XXXX right away, i refinanced the mortgage went to XXXX, then over a year ago it went to Freedom Mortgage. My loan hit the 80 % LTV with XXXX long ago and asked they drop the PMI from my loan they said id need another appraisal and to get it down to 78 % so i paid the principal down to 78 % and asked it be removed again and XXXX said no it would only automatically be removed when my scheduled payments reached 78 %, so i asked when is that and they said XX/XX/2017, then over a year ago Freedom Mortgage bought the mortgage, last month they sent me a escrow projection showing me paying PMI another year ( at least ) i asked them to remove the PMI and they told me id need an appraisal.. i sent a response saying i wouldnt pay for an appraisal because not only were my scheduled payments reaching 78 % LTV XX/XX/2017, but that my mortgage is currently just over 72 % LTV. According to what i read about pmi insurance XXXX should have dropped the pmi when i actually hit the 78 % LTV, but my complaint is with Freedom Mortgage, from what ive read on PMI insurance they are clearly in the wrong and violating federal law by not automatically dropping the PMI on their, i shouldnt have to request this and especially not fight with them.. obviously the loan is good standing im several thousand dollars ahead of schedule with no late payments.
Product: Checking or savings account

XXXX/XXXX  file code # XXXX : XXXX : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/year>, as Buyer , we entered into a contract of sale for the property located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Contract stipulated a mortgage commitment contingency date of XX/XX/year>. On XX/XX/year>, title defects came to light which were not resolved until after the commitment contingency date. On XX/XX/year>, as per contract section " XXXX for Commitment '', we provided the Seller with Lender 's written notice of commitment non-issuance. We are entitled to the return of the deposit. Contract is null and void. Seller is in Breach. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.
Product: Vehicle loan or lease

My car was reposed in XX/XX/year>, by American Credit acceptance. The lot it was taken to made a key and took some of my belongings which I have claim on. When My vehicle was reposed I immediately called American Credit acceptance to inform them that I wanted the vechile and how much I would need to get it back, after several calls and negotiating they gave me a amount, at one point I called American Credit Acceptance to get the number for the tow company because one of their agents mentioned a " possible '' key fee. When I tried to get the info, the agent keep repeating she can't give me the address to the tow company, I told her I didn't need the address but the phone number, she refused to give me the number so I could ask about the key, I then asked for a supervisor. I paid the repossession fees that were required to get the car. Then my next car payment came up and it was a little LESS than normal which made my eyebrow go up, and I asked about it but they couldn't give me an answer, so I said its less no need to complain. After that payment, I got a text stating that I was {$300.00} late on my car payment I just made. when I called, they stated the payment I made for my car they took and paid for the key and now I'm responsible for the new key. However, I asked them why they give them permission to make a key knowing I had made arrangements to pick up the car 2. Why wasn't the key fee explained 3. When I tried to get the number, the agent acted like I wasn't supposed to contact the tow company 4. Every time I asked them " how was I supposed to turn it in the key '' No one can answer that question. On top of all that the new key doesn't have alarm like my original, so it puts me in danger being that I work nights and now have to search for my car. However, like I mentioned no one can tell me how I was supposed to turn in the key if they don't give me the information to do so, why did they make a new one in the first place. Usually, they make a key if your vehicle is going to auction, and they need to get inside but I feel violated because my vehicle wasn't going to auction my things were missing and I'm left with a key that doesn't fit my needs for the car I'm paying on. And on top if they would have allowed me to communicate, they would 1. had they key I had 2. knew there was no reason to get inside the car. American credit has a responsibility to their customers, my car got towed before in a repossession and these problems did not occur. I asked the mangers to look at call logs and see that I was trying to get this information and I keep getting gaslit now I have extra {$300.00} mind you I paid over {$1500.00} still in the month of XXXX.
Product: Debt collection

I have filed numerous disputes regarding this account to the credit bureaus. According to the FCRA this is a violation of my rights.

15 USC 1692 c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

By the company reporting this on my credit, its violating my rights.
Product: Debt collection

I 'm disputing this bill in the amount of {$320.00} from Doctor 's Business Bureau a debt collection agency trying to collect on a bill from XXXX XXXX, which should have been billed and paid by XXXX. I have also attached information proving I had Florida state XXXX at the time of service. It seems as if XXXX XXXX decided to bill, me because they could receive more money, because XXXX would only pay a smaller amount per contacted rate. This is a violation of the FCRA.
Product: Student loan

I filed for a discharge with XXXX once I terminated my classes due to the fact that I was not employable in the XXXX field due to my XXXX and XXXX XXXX. Once I was told I would not qualify for any employment I immediately resigned from my classes @ XXXX University. XXXX XXXX told me I needed to file a discharge based on failure to benefit when I did they refused my application and wanted me to put a different school, aa school I never attended. Then I was told to file a discharge based on school closure. Because I attended XXXX and it changed to XXXX. And personally I would have never attended XXXX College and was not attending an XXXX College due to the fact their diplomas and certificates were not vaild any where. After I filed, XXXX XXXX refused to accept my discharges kept telling me the school info was not correct and I explained to them I never attended XXXX, That was not the name of the school I signed a contract with and I never stepped foot in the doors of the school once the name had changed to XXXX. Also I noticed that XX/XX/XXXX it stated I went to school again, I did not apply to go to school nor did I sign up for school or attend school XX/XX/XXXX. I moved to XXXX XX/XX/XXXX I have tried disputing this charge for long time Navient and XXXX XXXX keep claiming that it is mine nd I told them I NEVER went to school or attended classes XX/XX/XXXX. I have also conteacted The Dept Of Education Obudsman and did n't receive any help there. So now I am being informed that years ago I should have been offered the repayment plan based on my income, and I was never once offered that plan. they just kept sending me to forbearance and deferment, after telling them I was on SSI and had no other income due to my XXXX, If the law was based that I was eligible for the student loan repayment and then forgiveness based on ability to pay I would n't even have these loans. So now my loans are inflated with ridiculous interest charges, I cant get no credit due to my debt to income ration because of my student loans. Then I found out they took it upon their selves to consolidate loans. and when I asked for a promissory note they could n't provide one from XX/XX/XXXX when I applied for school at XXXX. But instead they sent me something from XX/XX/XXXX that I never seen. So I am looking for help to either discharge my loans, get into the payment plan based on income, and get rid of all those interest charges, I am willing to negotiate based on the original amount before I was blind sighted by highway robbery and thievery from XXXX XXXX and Navient. XXXX XXXX XXXX University ( XXXX Colleges ) for Online classes thru XXXX.
Product: Credit reporting or other personal consumer reports

I contacted Experian to dispute items due to fraudulent activity detected on my personal credit profile. Experian stated that they investigated but has not provided and information to support claim of accounts furnished on my credit report. In 2024 I was notified of data breach with Experian.
Product: Mortgage

Our insurance is escrowed in our mortgage payment. Loancare did not make the insurance payment ( to XXXX XXXX ) and the homeowners policy expired leaving us uninsured. Our house was hit by lightening after Loancare let the policy expire. So we now have a claim and Loancare will not provide the same coverage we were paying them for ( through XXXX XXXX ). Furthermore, Loancare is only insuring our dwelling and because we have an open claim we can't get our own insurance policy to cover our personal belongings and we are not insured if anyone injures themselves on our property. 
The homeowners insurance policy expired on XX/XX/19. Lightening hit our house on XX/XX/19. From XX/XX/19 until XX/XX/19 we could not get any information from Loancare. Just that it took them that long to get us a policy for our dwelling only. 
XXXX XXXX a manager from Loancare said that it was not their fault that the insurance policy expired because they claim to have reached out to XXXX XXXX company but the insurance co  wouldn't release the policy.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy! 
Here is the item I am asking you to verify as accurate : Experian : 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, credit repair services, or other personal consumer reports

I've contacted XXXX about fraud. XXXX XXXX XXXX  / XXXX XXXX XXXX added a XXXX  XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

Equifax stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.
Product: Student loan

Loan Company - Nelnet I had enrolled in XXXX XXXXXX/XX/XXXX in auto debit to keep intrests low. I made consistant auto payment through XX/XX/XXXX. This XXXX  the suto payments stopped and when I went on I noticed I was in deferment until XXXX XXXX When contacting Nelnet, I asked for clarification and they said because I was now in graduate school I was placed in deferment. Nelnet 's policies ask that deferment be requested. I did not request deferment. on XXXX XXXX XXXX I asked cusomer support to provide the notifications I was supposed to receive. I was then sent ( Back Dated for XXXX XXXX XXXX  ) the letters congradulating me for the approval of my deferment requests that apparently started on XX/XX/XXXX ( before I made my last auto debit payment ). Nelnet is removing auto debit without notifying customers, pausing payments but causing interests to grow unknowingly. Nelnet could not explain why the auto debit payment was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, I became a victim of a XXXX XXXX because of this I am in jeopardy of identity theft. I am currently taking some action to protect my credit by adding a fraud alert to my credit report. This is a highly stressful situation that I am unsure of how to deal with. Equifax did not send me any information stating I had been breach
Product: Debt collection

Repeat offender ( MCOA ) On XX/XX/2023. I filed a complaint against ( MCOA ) for their debt collection practices. The company responded closing out the complaint stating they " have made no additional attempts to contact the citizen. '' Please refer to complaint ID XXXX. Today XX/XX/2023 I received another correspondence from company. Refer to date on correspondence, I circled it. 

The company has assumed the consumer, natural person XXXX XXXX has an alleged obligation to the XXXX of XXXX for a consumer credit transaction that I the consumer am unaware of. I have never granted the XXXX of XXXX credit. I have never given the XXXX of XXXX my private information to create a consumer credit transaction in my name. I have not received any benefit from this consumer credit transaction for personal, family, or household services. 

The amount claimed to be owed keeps changing and when I ask for documentary evidence for this alleged obligation, both companies have failed to produce the documents demanded from them. Both companies have failed to verify the original creditor name and address. 
I also filed a complaint about the XXXX of XXXX. See Complaint filed. I have tried to resolve this matter but both companies are refusing to cooperate. It is a fact that MCOA and XXXX of XXXX are racketeering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX credit card company to let them know to update my account status and take off all late payments because late payments are illegal but they said they can not do that but according to the fair credit reporting act
Product: Payday loan, title loan, or personal loan

I tired to apply for a loan which required me to log in into my account to receive the money but I was blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 MAKER 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 SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.