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

On XX/XX/2018 I paid the total amount that was due on my credit card as of that XX/XX/XXXX date. XXXX has a bar that runs at the top that shows you how much you end up paying off based on payment amount. I paid off the entire credit card, $ {$920.00}. After I made the payment, Citibank showed my balance as {$0.00} on XX/XX/2018. I logged in twice that day and that was the balance on my account. Today, on XX/XX/2018 I logged in and saw that my running balance is {$160.00}. In fact, on my " Transactions- Activity Since Last Statement, '' my account shows that I had a running balance of {$160.00} on XX/XX/2018. This is confusing and misleading. 

If I actually owed {$160.00} on XX/XX/2018 that should have appeared on my screen yesterday. This is the 2nd time I have noticed Citibank 's website provide a discrepancy in what I owe and what my balance is. This is incredibly frustrating as I am not sure which balance to believe, and feel like no matter me wiping out the total balance, somehow I still owe something that was due on the same day as my payment. 

I took screen shots this morning to explain this issue. 

I called Citibank this morning to resolve this issue. I spoke with XXXX ( XXXX ) a phone banker in the XXXX, and she said that the {$160.00} are payments that did not post to my account until this morning. I told her it is deceptive and unfair to not provide accurate and real information about a customer 's account. Furthermore, ( even though I strongly disagree that I owe that full amount ), why is Citibank 's website showing that I had a running balance of {$160.00} on XX/XX/XXXX today but yesterday it showed that I had a balance of {$0.00} at XXXX different points when I logged in? I don't want to feel like I am never fully paying off this credit card. XXXX kept explaining that it may be a matter of a charge that just came on my account that was pending. That still doesn't explain why my statement shows I had a running balance yesterday after I made a payment. I asked to be connected to an escalation team or someone who handles disputes. She only offered to transfer me to her supervisor of technical support. That does not provide me with an appropriate avenue to address my concerns!
Product: Credit card

I had an American Express XXXX credit card. I lost my job in XXXX XXXX and was unable to make payments. They immediately sent me to a collection agency and closed the acct in XXXX XXXX. As soon as I was able I paid the debt in full on XXXX XXXX XXXX. In XXXX XXXX I checked my credit reports and noticed errors on this account. It was showing as a charge off even though it was paid in full. I have submitted over XXXX disputes since then to the XXXX CRAs. The XXXX report is somewhat accurate in that it shows a closed-paid collection/derogatory status even though they removed all positive payment history. My dispute is with XXXX and XXXX. For some reason, the account now shows as Open - Collection status since XXXX XXXX XXXX and XXXX XXXX XXXX. I disputed repeatedly and they " confirmed '' this status as correct. I asked AMEX to send me a letter with all info on my account and to update with CRAs. They sent me a letter that shows Date Opened XXXX, {$0.00} balance, but the status is " Collection Account - Closed by credit grantor ''. No other info is detailed such as date balance was paid in full or date when acct was closed. On top of that now AMEX sends me pre-approved credit card offers even though I asked them not to do so. I have already been denied credit twice with other lenders due to " account in collection '' type issues as I did n't know these accounts were somehow reported " Open- in collection ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SS # : XXXX XX/XX/XXXX Re : Hard Inquiries To Whom It May Concern, I would like to dispute the following hard inquires on my credit report. Under the Fair Credit Reporting Act ( FRCA ), Section 611 ( 15. U.S.C 1681i ), unverified inquires must be removed. Please investigate and remove any unverifiable inquiries. 

Factual Data XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU. I HAVE ACCOUNTS THAT DON'T BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION. I NEVER FILED THE CHAPTER XXXX AS WELL THIS IS NOT MINE
Product: Student loan

I was enrolled at XXXX from XXXX to XXXX. In that time I was told I had to sign up for XXXX loans both federal and private. I have an active and approved borrower defense case that is processing discharge and we are pending a refund. However, the private XXXX loans are not eligible for this option. Upon doing a little more research, my wife found where CFPB had sue XXXX for predatory lending in XXXX and was settled in XXXX. 

While attending XXXX, I was enrolled in a program that I was told did not have enough students and I had to switch my major a few times. I ended up leaving the school with only an XXXX XXXX. 

My private XXXX loans started with XXXX XXXX and then were moved over to Navient. The remaining balance to date is close to $ XXXX and the interest rate I am charged is over 13 % for those loans. 

I was taken advantage of as I thought I was going to a good school for computer networking. If I could change the past, I would defiantly not attend XXXX.
Product: Mortgage

My current mortgage servicing company is AmeriHome Mortgage. They bought my loan from XXXX XXXX in XXXX of XXXX. AmeriHome Morgate claimed that they never had my insurance policy paper on file and their escrow department never paid the premium that was due XXXX of XXXX. I ended up paying the XXXX premium out of pocket. See my latest email below to AmeriHome dated XXXX/XXXX/XXXX. It documented the whole ordeal and what I expected from them to resolve the issue. 

==== I have contacted Amerihome multiple times about my property insurance premium issue. Your response below did n't capture what had happened. Let me summarize : 1. The service of this loan was transferred over to Amerihome from XXXX XXXX in XXXX XXXX 2. During the transfer, the insurance document was missed. Even though this is really not my problem ( you should have contacted the loan seller for that ), nevertheless I uploaded on XXXX/XXXX/XXXX the most current policy, which is the XXXX/XXXX/XXXX policy. 

3. I then contacted Amerihome multiple times notify about the policy expiration date. I was told that a request has been made to escrow department. However, no response since then. 

4. To keep the policy from lapsing, I ended up paying XXXX the XXXX policy premium out of pocket, and designated Amerihome as the mortgage holder. 

5. As you can see, I am doing all the tasks that a mortgage servicer is paid to do. From your response below, nothing seems to have happened from Amerihome side. If I did n't take the initiative of paying the premium myself, I shutter to think what would have happened to my coverage. 

6. Let me spell out what I expect from Amerihome. Refund me {$980.00} the policy premium from my escrow account, or pay XXXX the same amount and they will refund me directly. 

7. Notify me via message or phone XXXX by XXXX/XXXX/XXXX about status, or I will log a complaint with XXXX about Amerihome. This will be my last resort, but I do n't see any other options, having had to dealt with your lack of effort/urgency regarding this matter.
Product: Debt collection

WENT TO COURT AND IT WAS RESCHEDUL AND I WERE NEVER CALLED BACK TO COURT, THE NEXT THING I GOT PAPERS WHERE THE JUDGE HAD RULE ON THEIR PART AND I WERE ORDER TO PAY. AND IT WERE ON MY CREDIT REPORT. COURT WERE RESET FOR XXXX-2008
Product: Mortgage

Dyck O'neal Inc has continued to report rolling XXXX+ lates on my credit report. We have had an agreement for a few years now on payment arrangement and I am paying on time every month and they continue to report this info every month.
Product: Consumer Loan

Paypal XXXX pulled my credit without my authorization on XXXX XXXX, 2014 resulting in a hard pull with XXXX. This inqueries is hurt my credit rating. Also I was signed up for PayPay credit line without my consent. I never applied for a credit line, this was never authorized and I never plan to use paypal credit.
Product: Debt collection

I am being sent correspondance in regards to a lawsuit being filed from Genesis Recovery Services. The person identified in the letter is a person I do not know and no knowledge of the debt. Please remove from credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Transunion XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} Late/CloseXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Late/Open
Product: Debt collection

All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX XXXX XXXX ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, XXXX, or Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave Equifax, XXXX or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding deletion of the following accounts : 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00}
Product: Debt collection

XXXX sold this account to this third party debt collector, that was paid in full and their are attempting to collect. This is third 3rd party that has attempted to collect after written correspondence is sent to verify the debt under Fair Debt Collection Practice Act 15 USC sec. 1693 seq. Without Prejudice
Product: Mortgage

First off I would like to thank you for sharing and letting Chase bank correct all there Legal mistakes along with all the other pretender lenders .my property was in a trust    XXXX   workflow  ID  XXXX   XXXX   XXXX  A ET AL  XXXX   XXXX  TRANSFER FR.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  CO TRUSTEES  XX/XX/XXXX  SPLIT FR  XXXX  CASE NO.  XXXX  FRAUD ON   XXXX   XXXX  , BECAUSE OF YOUR ACTION CHASE ENTERED FRABRACATED DOCUMENTS WITH THE STARK COUNTRY RECORDERS  XXXX  RELEASE OF MORTGAGE  XXXX   XXXX   XXXX    XXXX   NOW FIRST FRAUD THANKS TO YOU  XXXX  SATISFACTION OF MORTGAGE  XXXX   XXXX   XXXX  have a case in  XXXX   XXXX  OHIO  XXXX  MAYBE YOU COULD DO SOMETHING FOR THOSE WHO HAVE SUFFERED BY YOUR ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been harrassed by XXXX XXXX XXXX group by form of letter, and symbols on their envelopes twice. They have been forbearing there communication with misleading information on my credit report to Experian. 
XXXX XXXX XXXX : XXXX for account balance of XXXX XXXX 



Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

( Pub. L. 90321, title VIII, 804, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. ) 15 U.S. Code 1692c - Communication in connection with debt collection U.S. Code Notes prev | next ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated several consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX  on behalf of XXXX @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX   after reporting to XXXX XXXX XXXX XXXX that this debt was incorrectly being reported in the amount of {$5900.00} on behalf of XXXX @ XXXX. 

Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Product: Debt collection

I received a final pre-collection notice ( first notice ) from MSB ( Municipal Services Bureau ). it stated i had 30 days to file a dispute. I filed the dispute within the 30 days. before i got a response back they charged a 22 % interest rate ( not mentioned in notice ). i got a response to the dispute and it stated they are not allowed to talk to the utility company, so there is no point in disputing the debt. I called the utility company that hired MSB and they stated i would have to discuss the problem with MSB. MSB refered me back to the utility company. MSB also staed if i filed another dispute they will charge an interest charge again. The also stated if i paid in full they will not follow through on the dispute so they can charge interest again. I paid the debt in full XXXX employee number XXXX with municipal services bureau.
Product: Credit reporting

After sending dispute letter in XX/XX/XXXX via certified mail to Experian regarding incorrect accounts and requesting validation I received a printout that stated they were verified. I requested a reinvestigation containing method of validation and account history including original signature in XX/XX/XXXX and still have not heard back. I tried to access my free credit report and Experian kept showing their website as having tech problems but when my prospective property manager requested access that I had to pay for then all of a sudden my report and score were quickly available. Upon reviewing the report I paid for and sent to property manager I see that every account that I requested reinvestigation was exactly the same as first request. There was no reinvestigation and I received no further information and Experian made it very difficult to get access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banco Popular De Puerto Rico removal from XXXX, XXXX, and XXXX XXXX from my credit report. date XX/XX/2020 XXXX.
Product: Credit reporting or other personal consumer reports

As a Consumer, my rights have been violated according to the Fair Credit Reporting Act. * 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. * 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. * 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have never been under contract with this creditor, I insist this creditor XXXX XXXX XXXX XXXX XXXX close and remove this late negative charge from my account. I was never under contract with this creditor.
Product: Debt collection

Someone left a message on my answering machine stating that they would beat my XXXX from this company the phone number XXXX XXXX XXXX I had informed them that my name is not the name on this that I had asked them before in the past to stop contacting me after that didn't work I proceeded to put the numbers on the block list and I was checking my messages and this is what I heard from XX/XX/XXXX Thursday at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a complaint to the Equifax credit reporting agency. Complaint ID XXXX this complaint was not resolved in accordance with the credit reporting Act because it continues to display credit inquiries that I do not recognise. These Inquires affect my credit worthiness, and have an effect on how much money I end up paying for credit. The Equifax Credit Reporting Agency has provided a response to my complaint that fails to fix the problem, by removing the credit inquiries. Equifax is currently violating my rights under the Fair Credit Reporting Act by continuing to report credit Inquiries that were Unauthorized, and must be removed immediately. failure to remove the Inquires within 30 days, will result in a lawsuit against Equifax, as violating my rights under the Fair Credit Reporting ACT, AND Equal Protection clause under the state and federal constitution. Therefore, within 30 days, you must remove all inquiries from my credit file, and discontinue to report inquiries that have been identified as unauthorized. in the alternative, you must present evidence that supports your continued reporting of those inquiries beyond the 30 days. Failure to remove those inquires will result in your agencyhaving to respond to an lawsuit for specific performance, and Damages for violating the Fair Credit Reporting Act.