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

Citi is charging me interest on purchases at the purchase rate despite me paying the full minimum, plus the purchases made within the statement period, plus even additional payments in some months, for the last XXXX months. They claim it's because I accepted a balance transfer offer at 0 %, however the promotional rate has not expired. According to the payment terms, payments go to the minimum amount first, then to items under highest rates. However, even when I make payments OVER the minimum payment, plus the charges subject to purchase interest, somehow there is a random amount each month ( random because Citi can't seem to explain each month how that number is determined ) subject to new purchase interest on my statement. I called Citi about this over the last five statements I received with interest charges. First I was told to make the minimum payment to stop interest. The I was told to make a minimum plus new charges payment. Then I was told there was some previous purchases never paid. And now they are saying to just stop making purchases to avoid interest. They clearly are being deceptive and don't understand their own system and policies, because they provide me inconsistent responses, but continue to charge me every month.
Product: Credit card or prepaid card

Citibank N.A. issued a refund check on XX/XX/2018 for {$600.00} due to flaws in their methodology. They failed to review my account and issued a retroactive check. I called 6 times and I could not get an answer to the following questions : 1 ) What APR was used to issued the refund? 

2 ) Why has my APR not been lowered, currently at XXXX % The letter clearly states " Please note that Citibank NA has corrected the APR on your account '' I honestly believe Citibank continues to be in violation of Regulation Z, plus they are also not disclosing the APR used to calculate the refund.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX, I received an email from the so-called Experian, XXXX. Its credit report stated that I had another 3 records besides name, address, and statement. As far as I remember, I tried to correct I never served to the military and added fraud alert with some effort and difficulty. Anyway, this company and other credit company still do not explain to me why I am in the military. Therefore, I have a question whether I made only 1 statement or not, since there are 2 different date statements. Also, I request the explanation what 3 other records, which was mentioned in the report.
Product: Student loan

I think that this school tried to attack me. 1. I did not qualify for the school. The requirement is a XXXX SAT when I only had a XXXX. 
2. I failed the placement test miserably and got no questions right. 
3. I could not afford first semester and my parents couldnt give me one cent so the school offered to waive some of it so I can start first semester. 
4. The school could not place a hold on the tuition because I had no money to purchase a hold on the tuition so the tuition will not increase each year. 
I think they hurt me by preventing me from city schools or other city assistance. They did not start my first semester in any kind of XXXX level. The school only would give me XXXX XXXX degrees. The school prevented me from increasing my XXXX  levels and did not offer options to gain XXXX skills to reach XXXX levels. The school limited my options towards success forcing me to only pursue XXXX using XXXX XXXX.
Product: Debt collection

Midland Funding is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. Midland Funding is reporting invalidated information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

i have an account that is fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Product: Mortgage

See complaint XXXX that was closed. No response was attached from Loan Depot. This is NOT completed and should not be closed.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

They contacted me and then have been harassing now XXXX mother continuaoysly after i told them to atop. 
She gave them same info and told them to stop but they wont stop calling my mother, XXXX XXXX about my alleged debt They were also saying in a letter that they are going to suspend my driving privileges by contacting my state driver 's licensing company Department XXXX XXXX XXXX. If I dont pay another {$5000.00}
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their aggressive pursuit of a debt that is beyond the statute of limitations, as well as their disregard for proper legal procedures during the XXXX pandemic. 
On XX/XX/24, I received a response from PRA regarding my initial complaint to your bureau. In their response, PRA stated that they verified the accuracy of the information regarding the debt in question, despite my objections and lack of knowledge about said debt. However, recent developments have shed new light on the situation. 
On XX/XX/24, I attended a court hearing regarding this matter. The presiding judge granted an order to vacate the judgment against me, as it was found that I was never properly served with the necessary legal documents. This revelation highlights the lack of due process and proper legal procedures followed by PRA. 
Furthermore, it has come to my attention that the debt in question is beyond the statute of limitations for collections in the state of XXXX XXXX. Its been XXXX years. Despite this fact, PRA has continued to pursue legal action against me, causing undue stress and financial hardship. 
It is worth noting that these proceedings occurred during the unprecedented challenges posed by the XXXX pandemic. Like many others, I experienced significant disruptions to my livelihood and financial stability during this time. PRA 's aggressive pursuit of this debt during a period of widespread economic uncertainty only exacerbated the situation. 

It is important to emphasize the severe financial hardship that PRA 's actions will have on me.
Product: Mortgage

good morning my name is XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXXsince XX/XX/XXXX i been working with chase bank to do a short sale on my invested property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX. As i explain on my hardship Letter and i proved with my Financial statements and tax return i cant not longer continuum doing the payments for this property due to income reduced and lack of funds i will attached copy of the hardship letter at this time i am 4 months late on my payments in the past 3 years i invest about {$62.00} to remodel this house do to a Tenant vandalize the property .. i have all the receipts XXXX XXXX , windows, electric box roof kitchen and more we do n't have any more money to contribute to this property the house has been on the market for sale for over 1 year at a price of {$52.00} Note my balance due on this loan is {$51000.00} for that reason i cant put this house on the market for less money Since XXXX we have received. XXXX strong offer as cash for short sale on the amount of {$34.00} the bank appraisal came to a value of {$27.00} much less that the offer my total income declare on my tax XX/XX/XXXX was {$32000.00} a yearmy income is about {$2600.00} a month and my house expenses a month are about {$6200.00} with out counting the business expenses since i am self employee and my income is based on Commissions. on XX/XX/XXXX the bank negotiator name XXXX XXXX send an email to my realtor XXXX XXXX with a short words saying that the short sale was dined not explanations i call a supervise and he told me the reason of denied is i have to much income?? they are using a wrong calculation of my profit and loss and they refused to explain how they come on with the calculation XXXX told my realtor Quote : please tell your client not to call me i do n't want to talk to then i will communicate via email for any questions i am attaching the letter of my income explanation for you to review .and i would like some action to be taking to XXXX XXXX for not been working with ethic for customers and never return a phone call to us we are 100 % sure the reason of the bank denial is because XXXX XXXX XXXX XXXX not doing a good work on this loan the lack of communication with the clients the Nasty attitude to my realtor and my self is coming to the conclusion that she is not working to help Customer interest but only the bank interest. our gold is to short sale this property since we cant do any more paymentsmy email is XXXXXXXXXXXX my phone is XXXX XXXX
Product: Checking or savings account

Capital one has stolen money from my account and given me the run around. Why do they have so many Aliases? I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) mandates that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX, as consumer reporting agencies, are subject to this law, and I, as the consumer, have the right to ensure that my private information is not shared.

This is further supported by 15 USC 6801, which states that " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Since a furnisher of information to credit agencies is defined as a financial institution under this title, both XXXX and XXXX are bound by this policy. 

According to 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report under the written instructions of the consumer. However, neither XXXX nor XXXX has my written consent to furnish my information. Any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how they can exercise the nondisclosure option. Neither XXXX nor XXXX has informed me of my right to opt-out as required by law.

15 USC 1681C ( a ) ( 5 ) further emphasizes that consumer reporting agencies can not report adverse items, such as accounts, that are more than seven years old unless specifically authorized. These agencies are reporting an adverse item on my file without my permission, which is a clear violation of the law.

15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) prohibits the furnishing of information to any consumer reporting agency if the information is known or reasonably believed to be inaccurate. Both XXXX and XXXX have failed to meet this standard, as they are reporting inaccurate information about me.

Under 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific, lawful purposes. XXXX and XXXX are not maintaining reasonable procedures in this regard. 

Finally, 12 CFR 1016.7 confirms that consumers may exercise the right to opt-out at any time. As such, I am formally opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX XXXX letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX  that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX  out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.
Product: Debt collection

I have 2 medical collections on my credit report that are a result of identity theft. The name of the collection agency that the debts were sold to is Account Resolution Services ( ARS ) and this is the company that has been harassing me to pay a debt that is not mine. The dates they were opened and the amounts of these 2 collections are as followed : ( XXXX ) {$1300.00} and ( XXXX ) {$980.00}. Ive made several attempts disputing and informing ARS under the FCRA that this is not my debt and that they need to remove it immediately. These attempts date back to XX/XX/XXXX but yet nothing has been removed.
Product: Debt collection

On XX/XX/XXXX I received a letter requesting payment for {$690.00} for a credit card. When I called that day or a week later they told me I owed a little more than that and to pay XXXX which I did. After that they said I owed an additional XXXX. I replied that I called and obtained the total to pay off and paid what they told me. Now the additional has turned into XXXX with all the fees for the past 10 years. And now out of the blue they are garnishing my paycheck for it. I wish to request a motion to vacate as there is no way I owe this much. I had nothing indicating that I owed this until yesterdayXX/XX/XXXX when I received a letter from payroll.
Product: Debt collection

i have no clue as to what this it, however since it showed on my report i took action to discharge it
Product: Debt collection

I keep getting notices from their collection agency Acct of XXXX Nevada and I have sent response letters, XXXX XXXX, XXXX, XXXX XXXX and XXXX to Acct of XXXX Nevada and all XXXX credit bureaus asking for proof it was me using the services of their client. I have asked for : 1. The copy of your agreement with Nevada XXXX XXXX which authorizes you to collect debt on the their behalf. 

2. The signed agreement from the debtor confirming to pay the debt or any document signed by me at the offices of Nevada XXXX XXXX. 

3. Any documents showing payments made on this account and validation of the amounts. 

They have not provided any information documenting it was me using the services of their client. 

Respectfully. 

XXXX XXXX
Product: Mortgage

The Rushmore Loan Management Services LLC holds the loan on my mother 's house. The property is being sold " as is '' because she can no longer financially carry the house or manage it. There are two departments at Rushmore the Loss Draft and Loss Mitigation departments. We are currently dealing with both. 
The problem is that the two departments are not in agreeance on how we should resolve our situation. The contractor should be paid by Loss Draft for his work which Loss Mitigation wanted done before they could proceed with the sale of the house. Rushmore Loss Draft is refusing to release the funds. And Loss Mitigation will not accept or process any offers if all issues are not resolved prior to it coming to their table. 
The longer Rushmore turns down offers, the worse the situation becomes for this inner-city house. The house is vacant now and has been broken into several times. We have called repeatedly but we have been refused a three-way conference between the seller and the two departments. 
They have repeatedly given us excuses as to why they can not provide funding. Rushmore agents never give us the same information twice. They will not put things into writing and have even called to say they gave us the wrong information and will not honor the cash amount they said they would offer the contractor because they did not read their own notes clearly. This is very unprofessional and unacceptable and should be addressed immediately. 
There is a huge disconnect between the two departments which ultimately leaves me, the seller, at a loss and at a stand still.
Product: Debt collection

WAASSOCIATES ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX 15 years in business XXXX XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WAASSOCIATES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WAASSOCIATES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

The following companies have violated my rights : Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$9900.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$170.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$680.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX  DATE : XX/XX/year> AMOUNTS : {$540.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNIUON.