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

In XX/XX/XXXX and XX/XX/XXXX, I contacted Citibank about several unrecognized charges that appeared on my online account and billing statements. In XX/XX/XXXX, I disputed a charge for {$99.00} travel charge I did not remember purchasing. At the time of the dispute I did not recognize the merchant. The bank said it gave me a provisional credit, but that credit did not appear on my XXXX statement. However, a reversal did appear on my XXXX statement posted on XX/XX/XXXX, but 30 days after I filed the dispute. 

The bank never sent any correspondence about the dispute, the provisional credit or the reversal of the charges. The charges just appear on my statement. The issue is that I searched Both the XXXX and XXXX statements and could not find a credit. Finally, looked on the website to look at previous statements and found a " provisional credit '' that on the XXXX statement dated XX/XX/XXXX. However, if the bank had actually provided a credit on my account posting on XX/XX/XXXX, that credit should have appeared on my XXXX billing statement for the period between XX/XX/XXXX - XX/XX/XXXX. 

I have had ongoing issues related to unrecognized charged on my statement. Citibank is making matter worse by having incorrect accounting procedures, incorrect billing procedures, or erroneous internal coding causing double charges to appear in my account balance. 

I have included the statement for the period between XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, you will notice that a " provisional credit '' appears on a statement for which it does not make sense with respect to the date I made the dispute and the statement for which it appears. 

Further, I now see two other charges that did not originally appear on the XXXX statement for the same merchant. There are two {$16.00} charges for travel insurance on XX/XX/XXXX and XX/XX/XXXX, respectively. However, those two tickets were purchased with XXXX XXXX miles and I would not have needed to purchase travel insurance for that type of travel. I have been an XXXX XXXX XXXX member since XXXX and I have had this Citi Advantage card since at least XXXX and I have never purchased travel insurance for a ticket purchased with miles. There is no need to do that! 

When I look at the statements online, I all can see is two charges on XX/XX/XXXX for {$99.00} and a credit that did not appear on the original statement.
Product: Debt collection

This complaint is in response to XXXX XXXX XXXX XXXX - agent / in parity with document custodian XXXX XXXX trustee - for Morgan Stanley XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX XXXX XXXX XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX XXXX XXXX Dated XXXX The XXXX is not of issue nor discussion, as Saxon was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
XXXX obtained a charged off account as per their own ledger. XXXX in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through XXXX. The chain of origination and holder due course UCC XXXX FAIL. IF XXXX and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, XXXX forged my signature THAT is robo signing. XXXXXXXX XXXX 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
XXXX 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. XXXX trustee for XXXX is NOT the LENDER. XXXX submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by XXXX and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. XXXX submitted several versions of the Deed some stamped with Lending Connection some not. XXXX submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but XXXX certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is Morgan Stanley Trust or document custodian XXXX XXXX? 
Pager 119 Of the XXXX Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
Product: Credit card

I looked at my credit report on or around XXXX and noticed that i have some late payments with capital one, So I gave them a call on or around XX/XX/XXXX to see if the late payment could be taken off because they were inaccurate. The representative checked. and asked me how they could help, and I asked to speak to a manger. They said there was no manager to speak with and that the best thing to do is to file a dispute about the late payments that are on my credit reports. XXXX reports late payments on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX reports late payments on XX/XX/XXXX & XX/XX/XXXX. XXXX reports late payments on XX/XX/XXXX & XX/XX/XXXX
Product: Debt collection

Security Credit Services is trying to claim a debt for products I did not receive from XXXX XXXX  I set up my XXXX   account a few months before Christmas ; but I did not order anything at that moment. 

I relocated to a new home and I decided to order some Christmas items, before shipping it out. 
I called them to update my shipping address, but my billing address ( old address ) was the same on my credit cards. 

when the items were shipped, they gave me a XXXX tracking number. 
I didn't not know this, but they sent the items to the old address. 
once the tracking online said delivered, I didn't receive the packages. 
I called XXXX, they were no help and said to call the shipper. 
I called XXXX and That's when they told me they shipped it to the wrong address. 
I asked why, since I called to change it before I ordered anything. She didn't have an answer either. 

so I went by the old place ( someone else is living there ) and asked the new tenants if they saw or signed for my packages and they said they didn't have them. 

I set up a missing package case with XXXX and they performed an " investigation '', which was a waste of time. They came back with an internal review and stated they were not at fault and closed the case someone either stole the packages or the tenants at the old place had the merchandise I called XXXX back and told them everything that transpired and they said they'd be in touch. 

months went by and I noticed that SECURITY CREDIT SERVICES place a collections on my credit report. I HAVE NOT RECEIVED a dunning letter or anything. first it was the calls from disrespectful collectors but no letter in writing telling me they were gon na add anything to my credit report. 

According to the FDCPA Act, I have 30 days from the date of written notice to deny their claim, but I didn't get that opportunity. 

when I disputed with them directly in XXXX & XXXX, all they sent me was some papers without any type of signature or proof I owed this debt. 
I asked for : ( 1 ) Contact with my name on it. 
( 2 ). Full accounting of this account. 
( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

( 5 ). Proof they own the debt They have not provided me anything.. Instead they are shopping around this debt with other collections companies. XXXX ( another collection company ) is calling me now, about a debt that Security Credit claims they already own. 
HOW CAN TWO COMPANIES CLAIM & COLLECT ON THE SAME DEBT? 

all of this sound like violations. 

I will be filling with the FTC, AG office, and the XXXX  next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion regarding this date in early XX/XX/2022. Sent my paid in full letter and dispute letter. To dispute a XXXX XXXX account reporting on my report. I contacted XXXX XXXX XXXX was sent another later to confirm paid. I received the report stating its verified valid. I contacted Transunion again in XXXX sent them the paid in full letter again and gave them direct contact information of whom the debt was sold to and paid to. Again, keeps coming back even with the paid in full letter. This should have been removed from my credit report this debt has been paid and its been 2yrs and Im still dealing with getting this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Early Warning, I regret to inform you that my recent review of your credit reporting practices has revealed a violation of the Fair Credit Reporting Act ( FCRA ) rule 609. 

Under this rule, consumer reporting agencies like Early Warning are required to disclose to individuals the nature and substance of all information in their consumer reports, including any adverse actions taken against them based on that information. 

My investigation found that Early Warning failed to comply with this requirement in a specific instance, by not disclosing to a me the nature and substance of adverse information that was used to take an adverse action against me. 

I take these violations seriously, as they can have significant impacts on consumers ' lives and financial well-being. I urge you to take immediate steps to rectify this violation and ensure that your credit reporting practices are fully compliant with all FCRA regulations. 

Since you allege you have no documentation you have no lawful authority to damage me by keeping these XXXX fraudulent accounts from XXXX XXXX XXXX in your database. Delete them immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Equifax Subject : Dispute of Inaccurate information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information I identified on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate and complete. The following accounts are inaccurate or unverifiable and must be investigated and corrected : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Jewelers Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX FB & XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Explanation of Dispute : These accounts violate my rights under 15 USC 1681 ( e ) ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in my report. Additionally, under 15 USC 1681i ( 5 ), inaccurate or unverifiable information must be promptly corrected or deleted after a reinvestigation. 
I have attached supporting documentation, including a copy of my credit report highlighting the disputed items and any relevant correspondence. I request that you : 1. Investigate these accounts.

2. Provide me with the results of your reinvestigation.

3. Remove or correct any information that can not be verified as accurate.

Failure to address this issue promptly and in accordance with the FCRA may result in action. I look forward to your response within 30 days, as required by law. 
Thank you for your attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require further information. 
Sincerely, XXXX XXXX
Product: Debt collection

We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon contacting Equifax my mortgage company requested that they remove a duplicate account. Equifax removed both accounts from my file. Equifax needs to report one of the mortgages. Per the notice from the mortgage company only one account should have been removed.
Product: Vehicle loan or lease

On my credit report it shows that my auto loan was charged off. However, I paid the loan off in full and this is making it hard for me to be approved for car loans currently.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting

I cancelled my services in XXXX of 2015 for credit monitoring services. Transunion and XXXX are both still charging my accounts for " member services ''. I have asked both companies multiple times to cancel the accounts cease billing to my account. When I give either of them my credit card info they say they have " no active account on file associated with the credit card number or my social security number. '' They insist I give them the credit card number " associated with the account ''. I I have contacted my bank to resolve and they do n't have the old card information and I can only dispute transactions from the last 60 days. I have since the account was opened with there credit bureaus have definitely lost a couple cards and XXXX was involved in the XXXX breach. 
This lasts at time I called Transunion today at XXXX, I was transferred to supervisor XXXX who refused to help me with transactions saying they have no active account on file so there should n't be charges from them. I repeatedly offered her to email or fax the evidence of the charges from my bank statement and she refused them. She told me I could fax them but, they would n't be able to help me without the account number. I told her someone has take responsibility for the charges, by bank does n't have the old card information that was closed and they have overdrawn my account several times. She said they ca n't help and refused to take any information and redirected me to my bank ... which I called again and they still do n't have the card info.. i have gone round and round between that bank and these XXXX agencies. I cancelled my accounts in XXXX and I am still being charged. No will help me and I am loosing money because of these charges. Someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX 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 instructio
ns
Product: Credit card or prepaid card

Hello, I had signed up for a XXXX XXXX XXXX  Credit card in XX/XX/2019 and made the mistake of purchasing some things and then letting the card and amount go into collections. I never really was taught the proper way to handle credit cards and have made some mistakes. Over the past year I have really taken the time to understand finances and the importance of good credit. I am a responsible adult and am really trying to clean up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recov Assoc has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with Portfolio Recov Assoc. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so. 
FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now. 
Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. 

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been XXXX months now and I have not received any responses from XXXX  and TransUnion to my requests. I did receive a response from XXXX but not all of my issues were fixed.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I opened my checking account on XX/XX/2020. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account. 

I met and exceeded these requirements. I followed up with the bank and they denied the bonus. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/2020. They have not been helpful at all.
Product: Student loan

My student loan was XXXX XXXX now Navient. I called many times in the past to ask about different options because I could not afford to pay and phone representatives keep giving me the run around and they said that is was nothing they could do. I mentioned that they must have something to pay the loans back, meaning a program so that I could find something more affordable. They charged me outstanding fees on my account, told me to get in a forbearance, they also at some point when I take a break from school, had me on interest only payments. I have called many times and people over the phone have not and act like they could not give me options. They were aggressive and told me I just need to pay the money. At one point I was getting public assistance and I asked do they have something for people who are unemployed, do you charge interest if you are on a state program. I ca n't remember what year I asked the question. However, no one would help me. Private loans for Naivent aka XXXX XXXX are the worst ones to get because they originally did not explain how this effects me the in the lone run, that the interest rates change, that the loans would start getting interest as soon as I opened the loan. I was a kid still wet behind the ears, at XXXX, no kid every understands that type of information. I feel tricked and disguised with the way my loan situation has turned out and I am very disappointed that the government did not regulate private loans better to protect kids/ young adults for trickery.
Product: Credit reporting or other personal consumer reports

I have requested multiple times the proof the accounts appearing in my report without me knowing. 

XXXX - XXXX XXXX - XXXX XXXX. - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX