23daVinci/CFPB_Complaints huggingface dataset:
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's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX DATE OF BIRTH : XX/XX/year> ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYERS :
Product: Student loan

I attended The XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. During the one and a half years I attended I was told to take out XXXX Private student loans to pay for school, books, and cost of living which left me with XXXX in debt. Being on my own I felt I was taken advantage of and pushed into applying for such a loan amount. Now this school has closed/ merged with XXXX XXXX school, which has/ is closing as well? Having felt like I was taken advantage of for years, now to hear the schools closed, Are there any other complaints regarding this school or any loan forgiveness when a for-profit school closes?
Product: Checking or savings account

I had opened a citizens bank account and the bank refuses to let me have access to my XXXX that Ive deposited into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a auto loan with credit acceptance my Vechile was stolen and my insurance paid majority of the loan I had gap insurance which they claim I was missing a payment so the gap only paid partial of the remaining balance. I believe this was rigged and somehow wrong however credit acceptance never contacted me on the balance. And in XXXX a month after the gap insurance paid. Credit acceptance reported approximately {$900.00} On my credit report. I believe this was a form of harassment because they did not get make money off me with a complete loan term. However after contacting credit acceptance I agreed to settle with the amount of XXXX I paid this and they then reported I was still late on XX/XX/2022. Which I paid before this date. After they reported this amount they reported flagged my credit report 60 days past due even though I settled. This was a means of harassment. I will be filing a million dollar lawsuit against them. But I must fill these channels. Credit acceptance uses peoples credit reporting as means of and forms of harassment and bullying this is wrong and credit acceptance should be held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since XXXX The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to discover that inaccurate accounts appeared on my credit report, and I dont understand why. I check my report regularly, but this time there were unexplainable discrepancies. I even refreshed the page, thinking it might be a browser issue, but nothing changed. Im requesting that the documents Ive sent be thoroughly reviewed so I can have peace of mind and avoid this stress in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported a new XXXX card issued to me on XXXX XXXX. Contacted cc company and it doesn't exist to it, due to the special numbers used : Date added XX/XX/2022 Account XXXX XXXX Account number XXXX Type Bank Credit Cards Creditor Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX Investigating fraud department adviced to report it as identity theft.
Product: Credit reporting or other personal consumer reports

Second Request/Demand/Identity Theft Victim Experian Conducted Sham Investigations on My Experian file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX CC : The Consumer Financial Protection Bureau XXXX Federal Trade Commission ; Federal Deposit Insurance Corporation ; Texas State Attorney Generals Office Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, XXXXereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX XXXX Attacks XXXX The derogatory information reflected in my credit report maintained by Experian under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Experian multiple times that the entries below are erroneous and fraudulent. 
Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$27000.00} : Opened : XX/XX/XXXX Account : XXXX XXXX Account Number : XXXX : Balance : {$3200.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$4500.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX- Account Number : XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX : Balance : {$1600.00} : Opened : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX : Balance : {$2600.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX : Balance : {$6000.00} Opened : XX/XX/XXXX Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$1300.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$110.00} : Opened : XX/XX/XXXX Experian routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Experian has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Experian has harmed, bullied, and harassed me
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested XXXX, Transunion and XXXX to validate and or remove a number of accounts from my credit report due to them being inaccurate.I have not received a response.These agencies are not following their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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
Product: Checking or savings account

Ihadsubmittedcase#XXXXandhavingthecompanyrestrictingmyaccountasofXX/XX/2019andclosinginitonXX/XX/2019meanIdonothaveaccesstomymoniesuntilIreceivedthecheckfromtheminthemailandwillcauseHugefinancialhardshipespeciallyistheendofthemonths.IneedthebanktoallowmeaccesstomyaccounttodaysoIcanwithdrawmymoniesthantheycanclosetheaccount,BearinmindtheiractionisstrictlybiasanddiscriminativeagainstaXXXXcitizen.PleasehavetheBankcontactmeandallowmetoaccessMyFundstodayXX/XX/2019
Product: Prepaid card

On XX/XX/, I filed a dispute with PayPal Prepaid/Netspend . After submitting my dispute, the company closed my account with no written notice. I called today and was told my account was closed due to suspicious activity.
Product: Mortgage

I got my loan through a company that sold me a 'Nothing Down and high credit not needed loan. I signed for a XXXX Arm loan with XXXX interest rate. The payments were at {$600.00} a month with no escrow. At that time, I was able to afford this. I fell behind when I and my husband split up. We reconciled and have been trying to get a modification since. I was transferred to XXXX XXXX XXXX and tried over and over again to get a modification. I signed up with XXXX and went to several events and due to another transfer was not able to get a medication. I 've tried and send in docs and docs to Nationstar and still have not been able to get anything done. Nationstar told me that I refused a prior modification and was not able to get a HAMP modification because of it. I 've never signed any docs to any modification. They offered me a trial modification at a 3 % interest rate. I was okay with that modification but they messed up on the maturity date. I called over and over for a year until finally I received another offer. This modification was for 7 % and $ 1600+ a month for a payment. This was way too high of a payment for us to afford. I notified Nationstar that my husband 's work decreased due to the oil and gas industry. I sent in new check stubs to show them the decrease in income. They told me this was the only thing they could offer me or I could do sell my house, do a Short Sale, a Deed In Lieu or just foreclose. I then contacted XXXX again to exhaust all my options. I have been getting numerous calls from Nationstar for me to make a decision. I told them that I am working with XXXX and they advised me that XXXX could not do anything to change their decision. They told me XXXX go with the decision the mortgage company decides. I talked to XXXX XXXX with XXXX and told her my story. I finally have some hope with getting a modification. She advised me that they would do everything they could to help me get a modification and stay in my home. So, I 'm writing to file a complaint against Nationstar. I think they have the power to lower my monthly payment and it be beneficial for us and them..
Product: Credit reporting

I have disputed the issue regarding XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with Experian in XXXX. XXXX XXXX has been contacted several times regarding the fraudulent reporting of a debt that they deceptively contrived due to misrepresentation of a sales person that we tried to contract with. We were told we could discontinue service at any time and the agent we were working with was actually using the credentials of her husband. The fraudulent agents are no longer emp [ loyed by XXXX XXXX XXXX XXXX due to their illegal, fraudulent methods of " slamming '' people into contracts. I 've asked for the erroneous " hard hits '' to be removed from my credit report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX only to be told by XXXX XXXX supervisor XXXX XXXX that they were going to pursue litigation. The fact that these swindlers have exaggerated the amount due and that they continuously harass me by hitting my credit report should be unlawful. They have written to me and I have responded within 30 days with certified mail of them receiving my documents and STILL continue to ignore the fact that they are chasing an illegal, fraudulent, exaggerated amount of debt. I ask that these people get reprimanded for their abusive harassment of my credit and my time.
Product: Debt collection

I have reached out to this company through certified mail requesting validation of the 2 accounts they have placed on my credit report and have gotten no response. It has been more than 30 days since said requests have been sent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint on Transunion about injuiries that were Fraud on my credit report. They were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they responded back saying that it would be deleted. Please see CFPB report on XX/XX/XXXX. They have not deleted them as of today!!!!
Product: Mortgage

Since XXXX of 2013, we have been attempting to save our home from Citimortgage 's repeated attempts to foreclose, despite our best efforts to remand the past due amount, then apply for hardship assistance, then be forced to wait months and months for any answers- We now see that this deceptive and potentially illegal systematic attempt to ensure we can NEVER afford to get caught up is in fact the desired goal and standard operating procedure of Citi in its delinquent mortgage handling. We have been asked to submit over XXXX separate packets of basically the same, highly sensitive and largely unsecure personal information for over XXXX months to Citi and its forclosure attorney under the guise of actually helping us resolve the outstanding debt. Each time we are told some minor detail was forgotten or that a new set of pay stubs, employer verification. etc is needed and the total amount owed keeps rising to a point we can NEVER hope to feasibly afford- all due to the consistent pattern of procrastination and delay by Citi in its '' hardship review '' or underwriting process. Had we been allowed to keep making payments throughout this ordeal- we would be no further than XXXX or XXXX payments behind. As it stands, after Citi illegally cancelled my electronic payments in XXXX 2013 and stopped taking payment ( because they were intent on foreclosure ) since then we owe over {$10000.00} in legal fees, missed payments, etc. in a home we have outgrown and have negative equity in after XXXX years. My american dream, along with my credit have been broken by Citimortgage and it simply is not right and needs to be addressed so others wo n't have to endure the same financial disaster we have been pulled into by Citi. My wife an I are XXXX and have limited earning potential, making it even more difficult to address such a monstrous amount that should NEVER have gotten so high in the first place! Citi is solely responsible for this and should be punished for their malicious and repeated attempts to take away a home for my children!
Product: Debt collection

XXXX Report : Bill was never submitted to insurance even though insurance information was provided to hospital. Additionally the amount owed is {$22000.00}. The collection agency ( Rash Curtis ) has ballooned it to {$35000.00}, stating interest has been accumulating. Yet other hospital bills with other collection firms/companies have never charged interest fees. Responsibility lies with the hospital and insurance. Someone needs to investigate Rash Curtis for bullying tactics with harassing phone calls, pressure tactics as well as personal threats. 

On the XXXX report they have bumped the total yet again, to {$35000.00} and added another False claim that a separate charge of {$50.00} is still owed to the same hospital and has bumped that total to {$75.00} with no information provided as to why. 

XXXX report is {$35000.00}. Again this collection company is making up whatever total they want and stating its related to interest charges. I no longer have this particular insurance coverage/plan that was used for this hospital visit as I have changed jobs since then. 

Balance incorrect. Collection agency violating the Fair Debt Collection Practices Act with unfair practices and forging multiple debts. As well as Harrassment and Abuse. They also did a hard inquiry on my XXXX report which said I applied for credit with them, which is false. Again, this is false information and should be removed from my hard inquiries. I did not apply for credit with them. 

Rash Curtis has raised the balance w/o my at consent. Additionally, it seems only their false statements and falsified cost increases are accepted as truths while my information is discarded altogether. The shear amount of harrassing phone calls put so much stress in my life, that quality of living was affected. They called day and night, changed phone numbers over and over again. All while I gave them the same information ... .that the bills need to be submitted to insurance. Additionally, I spoke with the hospital in question to please file with the insurance company/info they obtained from me right from the get go. 

The personal threat of suing me over these medical bills was enough for me to have full on panic attacks. I have recently applied for a home loan and was denied at 1 lenders office due to Rash Curtis and bullying tactics. They also said as long as they legally can stay on my credit reports they will continue by all means necessary as well as continuing to obtain the unpaid debt including suing me. 

There are to many dates to list them all here. I pray that this mean, horrible collection agency and or dirty lawyers be brought to justice. I can't be the only one who has had these types of experiences with them.
Product: Bank account or service

Have called Citibank about 2 weeks ago to trace two payments from my account to a third party who claims has not received these payments. I spent more than 30-40 minutes on the first occasion trying to resolve the issue with a phone representative who promised I would receive a notice within 48 hours with the results of the payments trace. When I requested a name, representative id or reference number for our call, the representative could only offer me her first name, but promised me that a record of our call would be logged onto their systems for referral in case the I did not receive the notice promised. More than 2 weeks later no such notice was received. 
I just called again to follow up on this request, speaking to a new representative by the name of XXXX ( she declined to provide me with any other information, including a representative id, or extension number ), who could not find any reference to my previous call and thus had to initiate a new identical request as the previous one, again consuming more than 40 minutes on the phone. Once again, she declined to provide me with a reference number, representative id number of extension number, only saying that she would put a trace and that I should receive a notice within 48 hours. 
Most other companies I have dealt with generally offer a reference number after a customer call, together with a representative id number, so that the issue can be traced back if not resolved adequately. 
Citibank 's process for resolving customer matters requiring follow up are either severely deficient out of organizational incompetence, or more cynically, purposely designed to avoid leaving an accountability trail that could lead to regulatory actions. 
I believe that this matter deserves your attention as it is clearly abusive of the banks customers, as well as possibly abusive of the regulatory process, by designing a system that results in the hiding of these types of issues from regulatory oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, XXXX for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.
Product: Credit reporting or other personal consumer reports

I have a worldwide fraud alert on my report there has been numerous inquires on my report. I've made police reports, still there has been no results so now I'm filing a compliant to get this matter resolved. the the following : 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit card

I contacted XXXX XXXX XXXX on XX/XX/2023, after receiving an alert that my payment was past due. I didn't understand why I had not received a paper copy of my statement. The representative I spoke with waived the {$39.00} late fee. However, she was unable to explain why I did not receive a bill. Initially she told me I was on paperless billing as the reason. I did not sign up for paperless billing. I use my mailed bills to determine when to pay. I have all my other statements coming on paper. She told me I should get a paper bill as well. She also told me that I should get electronic billing, which I don't. She was all over the place. When I started asking more questions, the story kept changing. She even tried to change my story, telling me what I said. I requested a supervisor. I planned to pay my bill off on time every month. The supervisor took the call. I told her that I wanted the recording reviewed, so she could let me know why the representative said what she said. She explained they do not review recordings unless it has to do with a problem with the account. I told her the problem and that I had to go. I asked her to review the information and contact me back. She told me to call back and did not say she would flag the call or anything. Since it was so difficult to explain why my billing is or is not paperless, it should be paperless as I explained to the representative. I got charged two late fees of {$39.00} and {$28.00} and two finance charges of {$60.00} and {$48.00}. I paid the balance up minus the charges of {$190.00}. It is very upsetting when you can not get the proper assistance. I believe the charges I have remaining should be removed.