23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Regarding Credit Acceptance 's Refusal to Provide Original Agreement Dear CFPB, I am writing to file a complaint against Credit Acceptance regarding their refusal to provide me with a copy of the original agreement for said account. I requested that this document be sent to the address originally on file with them, but my request was declined.

This document is crucial for my records and to resolve any discrepancies. Despite my efforts to obtain it, Credit Acceptance has not cooperated.

I kindly request your assistance in ensuring that Credit Acceptance provides the requested document and addresses this issue promptly.

Thank you for your attention and assistance.
Product: Checking or savings account

On XX/XX/year> an unauthorized third party gained access to my account and used XXXX to steal all the money in my account, which at the time was {$3200.00}. I noticed immediately because I got push notifications to my phone about the new XXXX recipients being added and the transfers being made. I called the bank and reported the fraudulent transactions within XXXX minutes. After several days, I received a letter from the bank that they had denied my claim. On XX/XX/year> I faxed an appeal letter to the bank at the fax number they provided me XXXX and referenced my claim number XXXX. In my appeal letter I asked them to review the login location and devices again and they would be able to clearly determine it wasn't me that was accessing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report Inacutae information that I continue to dispute. They have violated me in a number of ways. I just want this resolved immediately so my credit can stop being affected by their lack of responsibility to do their job properly. I want to be clear and state I am not looking for them to reinvestigate anything. I disputed XXXX XXXX  XXXX back in XXXX to the CFPB. I disputed XXXX XXXX XXXX, XXXX XXXX in XXXX as well. Nothing was done to correct these accounts, and they never provided proof of how they verified the information. 

Neither account has been properly investigated and to this day Equifax has failed to add a notice of the dispute to my credit report ( violation # 1 ). Equifax also never completed its own independent investigation on these accounts ( violation # 2 ). They have failed to remove disputed inaccurate information ( violation # 3 ). 

Due to these violations, I want these accounts removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Below are the listed items that need attention : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I opened a Citi Prestige credit card in 2015 because of the attractive travel benefits like airline access for American Airlines clubs and the fourth night hotel " free '' feature. Since 2015, Citi has revised the benefits numerous times- each time sending me a letter in the mail or prominent email announcing the change. That is their right to change program terms and I may cancel at any time. However, the latest change to the program occurred XX/XX/XXXX of this year and caused me to have to rebook an entire trip to XX/XX/XXXX. Simply, the problem is this : I needed to use the free fourth night to afford a hotel that I had identified and spoke to about availability. They were " holding '' a room for me so the credit card company could call and guarantee payment and secure eligibility for the fourth free night. 

Apparently, on XX/XX/XXXX of this year the fourth night hotel benefit was changed for the third time since I opened the card. I learned this only because I called to ask them to call the hotel to secure the room and they informed me that due to the program changes, they would not be able to honor the benefit. The changes were this : only hotels featured " in their inventory on the rewards website were eligible for the fourth night benefit. '' I received no notice - email or letter- as usual. The changes took effect XX/XX/XXXX ( the day I called to book the hotel ). The hotel I contacted ( the only affordable option in town ) did not appear " in their inventory ''. The only options were over {$1000.00} per night - not an option for me. 

Numerous calls to appeal to Citi were unsuccessful, being transferred around to at least 10 different people over the course of 5 calls and 3 hours and I was disconnected twice. No one would adjust the program to accommodate and finally a supervisor informed me of the program change and said that they weren't responsible for mailing out notice, and I would have to call Citi and talk to them. Needless to say, no one could help me, and I still have yet to see any official notice of changes to the program. This is unacceptable and they should be held to a minimum time of notice before making such bold changes to a very popular program ( just see social media and press accounts of their trimming benefits ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized hard inquiries on my credit report that are tremendously affecting my credit the inquiries are from the following companies XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 and XXXX XX/XX/2018
Product: Debt collection

I was with the company XXXX then I switched to XXXX XXXX offered to pay off the phones that I had. I just needed to turn them in to XXXX which I did then XXXX came back and stated that I still owe them for the phones, but XXXX told me that they paid XXXX for those phones that I had Then XXXX years later I get a bill stating that I owe XXXX {$4000.00} and they keep switching debt collectors selling the account to different ones and now theres a new one stating I owe {$4000.00}. I dont owe this amount. This account was back in XXXX.
Product: Credit reporting or other personal consumer reports

This bankruptcy reporting error was initially disputed on XX/XX/2019 and has been disputed several times over the past few recent months to which Experian has refused to take any XXXX public record was reported verified by their company and deemed accurate. However, this bankruptcy record reported by Experian is inaccurate due to the court listed on file. The court name reported on my report is inaccurate as this court in XXXX does not exist, nor were there any bankruptcy proceedings involving myself in XXXX court. The information that they have listed on my credit report was also not verified by any court as per the documentation submitted with the dispute to their company.
Product: Credit reporting or other personal consumer reports

XXXX, Tranunion, XXXX reporting incorrect information on my credit report. My XXXX  XXXX never been late.
Product: Debt collection

I called this creditor of Grant & Weber 9 times since XXXX of this year. I was directed solely to XXXX XXXX XXXX voicemail. One of these times I reached his temporary relief whom resolved 2 of my accounts but stated I'd need to call and reach XXXX XXXX to have them removed from my credit report and to set up a payment arrangement for the remainder of my accounts. Multiple calls and almost a month later, XXXX finally called me back this morning XXXX ( I've since had another account default to my report in the interim ) after I'd just returned home from the hospital and was resting. I informed him of what I wanted to accomplish, he informed me that I had a lot of accounts and a lot of outstanding debt. Under {$700.00} is not enough to make me feel that bad about it. I told him first we needed to settle the deletion of the accounts on my credit report. He told me how that works, I told him I'm not brand new and he raised his voice telling me he doesn't care. A few more words ended the conversation. He avoided my call for months and now calls with rudeness. I just want my debt resolved and they are supposed to want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

Experian investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact XXXX XXXX XXXX  is late sending me a check for an over payment.
Product: Mortgage

On XXXX XXXX, 2016 I desperately submitted a complaint regarding JP Morgan Case. Case # XXXX. CFPB. 
Now again I am coming back requesting the same. I have continue to provide various loan modification packages to Chase to no success. I want to preserve my home. I am more stable now than ever. This is my primary residence. It is my understanding that CFPB is here to protect the consumer. I feel JP Morgan is giving us the run around .What else do we need to do to proof that I am out of those hard time and I am able to take responsibility for all that I s due. All I am asking is for a work out plan that is affordable. 
I need another chance. I just received notice that with in 60 day I will be out of my home Please advice of any out come. I will be contacting also HUD.
Product: Student loan

I pulled out a private loan around 2006 for $ XXXX it is now doubled to $ XXXX. I was never told it was a private loan, I thought it was a federal loan. Now my payments are about {$400.00} a month too much for me to handle and my balance is n't even decreasing after paying for over a year. I 'm trying to work with the servicer but they are not giving me any options. I would like a lower payment and interest rate where I can actually see my balance decreasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late   XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but be cause of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Product: Credit card

What happendd is in XXXX 2019 my capital card ended XXXX was charged {$4000.00} in XXXX by someone that was unauthorized to charge my card.When I tried to reach out to the company they have never pick up my call .When they do, they hang up on me. When I file a complaint Capital one had already sold my account and did not want to remove the charge.I submitted multiple disputes to both XXXX and XXXX still this fraudulent charge was not removed. 

I am asking please for this charged to be removed from my XXXX  and XXXX credit report.
Product: Debt collection

CREDIT COLLECTION SERVICES is a debt collections agency that continues to report on my credit report with the credit bureaus after I have paid in full.When paid the entity I was told that the debt would stop reporting to my credit report however its been a full year and there still reporting on my credit report even though Ive paid in full. I paid the debt in full on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message alerting me that someone had checked my credit report on XXXX. I signed in and saw that Mariner finance had checked my credit. I did not authorize this and I have not applied for credit with anyone recently. I called the company and stayed on hold forever as well as left several messages to be called back. I filed a dispute with XXXX on this.
Product: Checking or savings account

I maintained a lockbox with Citibank containing valuable antique items, including gold and diamonds belonging to my late grandmother. Citibank emptied the lockbox without providing proper notification. Despite having my updated address on file and using it for other correspondence, the notification was sent to an outdated address. No emails or phone calls were made to alert me. 
When I discovered the issue, Citibank directed me to the state treasurers office, claiming the items were sent there. However, the treasurers office issued a check for {$120.00} with no explanation of what it was for and could not confirm whether it was related to the lockbox contents. This issue has now been ongoing for over XXXX years. 
I have repeatedly contacted Citibank, including attempts to reach the branch where the lockbox was held, but the branch does not answer calls. Citibank has failed to provide documentation or an inventory of the lockbox contents or confirm the transfer of the items to the treasurers office. 
This situation has caused significant frustration as these items hold immense sentimental value. I am seeking immediate action from Citibank to locate and recover the items.
Product: Debt collection

I requested LVNV FUNDING LLC remove this debt from my XXXX credit report because I'm not liable for this debt they are reporting derogatory marks on my credit report which are having a negative affect on my credit I have never been in contract with LVNV FUNDING LLC there are no signatures of mine on any contracts with LVNV FUNDING LLC also they have been aggressively trying to get me to pay them I'm currently under duress because of there tactics to destroy my credit this is a violation of 15 USC 1692d Harassment or abuse, 15 USC 1692b, 15 USC 1681e, 15 USC 1681b
Product: Payday loan, title loan, or personal loan

XXXX has violated my rights, treated me unfairly. While they can send emails & text mess to me ; they have locked my account as XX/XX/2022. I can not view my act online as they intentionally locked, sent multiple requests in writing to afterpays website along with additional emails my account was locked. They have refused to reply. I tried to reset and not receive an email to reset password.At this point I only receive incorrect bills via email and no response to myhelp or passwords. If I go to the ap, reset password, tried a different email I received messages to contact help desk as I completed info and still no response or a text stating your act is locked. This is not how a professional company do business.I have sent multiple inquiries re refunds as they will to cover their scam and say they refunded my account when they didnt. I have a copy of my act for the last 2 years and very few refunds when more than half of the Afterpays were returned.They stated to you they refunded my act is a flat out lie, or stated refund to an act that does not belong to me. Also there are other refunds where I returned items as they dont give me all my money back, approx 10 % as they make up excuses to buy time and after over 3 months still no refund. This is a true scam and something needs to be done about it. No way to contact is UNFAIR. No support, no response, no ph number to contact and they locked my act and now taking amounts from my account everyday without my authority, refuse to prove to me where theyre getting these amounts from has not happened. They continue to illegally put my act in an overdraft til the point its closed. Service is good until you return items and inquire about illegal transactions.I sent a mess to CEO viaXXXX & now messages come back as an error. One thing they can not do is take funds from me & lock me out or provide no support. My rights are violated CFPB including others, multiple class actions & complaints as it cont to happen. This must stop.See locked out & email correspondence attached
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, let me first state that this account was deleted on XX/XX/XXXX Experian report # XXXX and had not been reporting since until XX/XX/XXXX 4mo later it appear back on my credit report with out justification other then I opened a dispute ( on a deleted account ) which I never did because the account was deleted there was nothing to dispute account had been deleted back on XX/XX/XXXX how is this possible? XXXX has had muitiple chances to correct this account and did not and or did not respond in time allowed by law so account was deleted. Now Experian has allowed XXXX to place account back on my Experian report still reporting false information. I have attached 3 reports a report of account being deleted on XX/XX/XXXX, report of XXXX response letter of XXXX records stating account charged off XX/XX/XXXX and the actual Experian report shown that XXXX is reporting to Experian account was 120days late on XX/XX/XXXX not charged off among other false information! I also called Experian talked to XXXX a special handling department rep and he advised me to make a FTC report so it would block XXXX from reinsterting account again once I made another dispute so I did and I will also attache FTC report as well I understand XXXX is paying for Experian service but Experian has a lawful obligations to insure the information being reported to Experian is in fact true!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I received a statement and or reduced balance opportunity, that doesn't coincide with your statement. However I'm given the option to agree with 70 % of total amount owed. Witch is still significantly still not a fair and accurate assessment. If said company were to look in depth, to recorded interactions, they would find where, there was more than minimal discrepancies when it came to customer support and care. Given the situation this opportunity is not acceptable and, I wish to pursue this further. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be 100 % Accurate, 100 % Verifiable and 100 % complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Violation : XXXX XXXX XXXX/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 15 USC 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 information to be inaccurate.