23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX and XXXX XXXX Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Product: Debt collection

I got my XXXX XXXX XXXX XXXX. My mother helped me find financial assistance through the hospital, a hospital in Nevada, and from her understanding the debt was taken care of. Then on XXXX XXXX there was a garnishment on bank account for the amount totaling XXXX. Which included more than my paycheck. When we got a hold of the attorney for quantum collections, they just said they had basically won the lawsuit which entitled to collect on behalf of the hospital. I have not once, received any form of notification or attempt to collect a debt. I pulled my credit report on XX/XX/XXXX, XXXX there is no inquiry or credit pull or debt showing either open closed or transferred. Then today XX/XX/XXXX the same collection agency called again saying there was still an open balance of XXXX because there was still left over fees. 
The clinic we visited XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, this business is now permanently closed. I am currently XXXX XXXX XXXX XXXXXXXX, with a XXXX  that doesn't have a legal office. I've attempted to reach out the legal help in the XXXX  nearby but have only gotten as far as initial contact no further follow up from them. At this point I would hope I could receive my money back if possible or receive more information.
Product: Mortgage

We received a letter stating our XXXX payment was short XXXX. My husband and I called the company to ask why payment is showing short when we paid the amount told over the phone XXXX for XXXX We also did loan modification. We talked to XXXX resolutions person, I do not believe XXXX was supervisor when I requested to talk to XXXX. I asked why XXXX payment is short only told be told that the modification could change. So, I asked why payment is different after our XXXX payments in XXXX and XXXX applied. Was finally told due to escrow short, letter was received does not indicate that only do not send short payments. I asked for this in writing. I was told we could not get XXXX. But XXXX indicates he see how this could be misleading.
Product: Student loan

I have had issues with XXXX customer service representatives since XX/XX/2018. Often times their representatives gave me false informations. 
For example ; 1. After consulting a federal loan specialist I was told I was in pay ahead status because of a payment I made when I was put in administrative forebearance ( a forebearance I was not told about when I switched from XXXX to XXXX ). When I called XXXX to report this I was repeatedly told by the customer service representative that I was NOT in pay ahead status. It wasnt until I spoke to a manager that I in fact was and they flagged my account as pay ahead. 
2. I have requested a detailed payment tracker report since XX/XX/2018.  I have followed up three times regarding the status of this report and have been told that they are working on it. They are unable to give me more information. Without this report I can not retroactively remove the pay ahead status. As per my loan advisor, PSLF can be nullified if I am in pay ahead status. 

Without my detailed payment tracker report, Im not sure if Ill qualify for PSLF program. I continue making payments on high interest loan with no end in sight.
Product: Credit card

Sent a check on XX/XX/2024 XXXX didn't cash check but sent in late fee and interest When speaking with agent, they said bank refused check. 
Went to bank who wrote letter stating check was never presented. That letter and full explanation were mailed to comenity. Since, more interest, late fees and credit score impacts are ongoing.

4 more calls between XX/XX/XXXX and XX/XX/XXXX to agents who promised to escalate, dispute and address with the dispute department who won't speak to customers directly never fixed. The top supervisor is XXXX, XXXX XXXX has had this issue for several weeks and no action to date.
Product: Debt collection

I would like for the company to provide me with the original promissory note or a certified copy of the original note of debt, a copy of the repayment schedule, a complete statement of payment history. As well as copies of all approved deferments and or requests for cancellation. I also ask that this company provide a copy of the notice of the effective date of acceleration and the total amount due. This company has not lawfully validated this debt before placing it on my consumer credit report and is actively participating in DEBT PARKING which is illegal and I will be referring this to the FTC as well please provide me with a trilateral contract. I would like for this company to provided certified receipt of debt, assignment of Debt, Validation of Debt and the method of verification of said debt or to delete the associated account from my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I received an email from XXXX stating you recently authorized XXXX to obtain consumer reports and/or investigative consumer reports about you from Checkr, Inc. , a consumer report agency. A final decision has not been made, however the company is considering taking action in whole or in part based on information in such report ( XXXX ), including the following specific items identified in the report prepared by XXXX, XXXX : LICENSE STATUS : SUSPENDED. Now I never gave my consent for Checkr , Inc to report anything on my behalf. That is a violation of my privacy as well as my well being. Checkr , Inc did not mail me any written notice this would be taking place. Not to mention, Checkr , Inc. did not interview anyone pursuant to 15 USC 1681a ( e ) investigative consumer report. XX/XX/2021 I received another email from XXXX stating, We previously informed you that the consumer reports and/or investigative consumer reports you authorized XXXX ( XXXX XXXX ) to obtain about you contained information that could adversely affect your eligibility for engagement with XXXX  XXXX. After careful consideration, we regret to inform you that XXXX is unable to engage your services ( if you are a new candidate ) or continue to engage your services ( if you are an existing delivery partner ). This decision was based in whole or in part on information contained the consumer reports and/or investigative consumer reports obtained from Checkr, Inc. , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX, XXXX. '' The fact Checkr , Inc. reported to XXXX without my consent and inaccurate information, has caused me damages. XXXX fired me. My well being is suffering because Checkr , Inc. decided to provide an inaccurate report without my consent as well as not provide personal interviews with my neighbors, friends, or associates or with other whom I am acquainted with. I never got any notice this would take place. Those are all violations and I am seeking monetary relief. The damages has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to remove all the late payments history and dispute a debt collection that has been on my credit report to long and a outside third trying too collect money on it thanks
Product: Credit reporting or other personal consumer reports

I have tried and tried to have these negative items removed from my credit report to no avail. This company is illegally reporting information on my personal credit reports without justification or consent. They are required to remove all inaccurate, false reporting, and outdated items from my reports and that has not been done. Furthermore my privacy rights are being violated, my character is being defamed, and no one has ever obtained my permission to any of these things. I do and have not consented to these proceedings. 

The following information is being inaccurately reported on my files and I'd like to have them all removed! 

XXXX XXXXXXXX, {$230.00} XXXX XXXX XXXX XXXX, {$240.00} XXXX XXXX XXXX XXXX XXXX, {$420.00} XXXX XXXX XXXX XXXX XXXX, {$620.00} XXXX XXXX XXXX XXXX XXXX, {$11000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX XXXX {$4900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX, {$4700.00} XXXX XXXX, {$29000.00} XXXX XXXX, {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$360.00} Inquiries Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due to identity theft, they're a list of inaccurate items on my consumer credit report that are not associated with me. I attached my FTC report, XXXX ID, and detailed document in regard to my claim.
Product: Credit card or prepaid card

Someone opened a fraudulent account using a Home Depot credit card approved by Citi Bank on my credit report. I disputed the card and Citi removed the account from all three agencies. Then they turned it over to a collection agency who called me and I had to try and explain this whole mess. Now their Cardmember Services sent me a letter saying the account was valid yet it has been removed from all of my credit reports. I have called several times and get thrown around from one department to another. I tried calling the Home Depot CardMember Services but cant get a human because there is no account anymore. By the way I have a legitimate Citi Bank card Ive had for over two years in perfect standing. Im locking this account and using another card I have. These people are incompetent and I am exhausted from dealing with this for 3 months. I am complaining because they need investigated for harassing people with their stupidity. My credit has been over 800 most of my life and I am XXXX XXXX XXXX.
Product: Credit card

On XX/XX/year> I used my Citicards CC to make an online purchase for an XXXX with a merchant XXXX XXXX  XXXX XXXX  ) in the amount of {$2000.00}. All I received was an automated email confirmation of what I purchased from the merchant. After about a month with no response from the merchant, on XX/XX/year> I reached out to the merchant through email and their website chat bot with no response. On XX/XX/year> I called Citicards to dispute the charge. On XX/XX/year> Citicards reach out to the merchant. The merchant responded on XX/XX/year>. What they responded with was simply my information ( name, address, CC information ), the item I purchased and the description of the item. No tracking information or anything of that nature, obviously they never shipped anything. On XX/XX/XXXX Citicards decided in the merchants favor and reversed the charge of {$2000.00} back on my Citicards CC. Additional information was again sent to Citicards on XX/XX/XXXX without any resolution. Again, I have not received anything from the merchant XXXX XXXX. They have been totally unresponsive. Citicards reversed my dispute and is charging me the full amount of {$2000.00} without a tracking number or anything of proof from XXXX XXXX  showing that they ever fullfilled my purchase. My Citicards claim dispute reference ID number is XXXX
Product: Credit reporting

I had a loan financed through XXXX XX/XX/2015 but the car had a number of issues and I tried to return the car but the dealership did n't want to give me my money back. I tried to take it back prior to 30 days but to no avail. I refused to make the payment and knew that they would pick it up then and they did pick it up around XX/XX/XXXX ( 10 days after payment due ) at about XXXX some XXXX man beat incessantly on my door and demanded the keys and for me to remove anything that I had out of the car. I immediately cancelled the insurance and the registration with the DMV and XXXX XXXX XXXX. I expected to see a rep on my credit report and I would have been able to get another car but the finance company keeps reporting that there is an open loan and that it is current making it impossible for me to get a car loan. I have tried since XX/XX/2015 ( date I first learned of open loan ) and every month since. XXXX XXXX has been contacted several times and keep giving me the run around and the last time i contacted them was on XX/XX/XXXX and was told that the loan never funded and to contact the dealership. I am getting the runaround from both XXXX and XXXX XXXX XXXX in XXXX, Georgia. Lastly, Equifax is equally as complicit as XXXX and XXXX XXXX XXXX as they have perpetuated a lie by claiming that they verified with the source and that it is correct. The address of the creditor is n't even correct so I know they have n't contacted anyone. I also know that they profit from negative information so it is in their best interest to continue to promote this deceit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car when I bought a XXXX XXXX XXXX when I bought the vehicle I had full coverage insurance with an added Gap Policy. I also bought an additional Gap policy from the actual lender. The vehicle was totaled out during the time the vehicle was totaled out the bank was merging with another bank five times they made me take in my paperwork and sign documents to clear the amount owing because I had gap insurance through the lender making the account paid in full with no late payments at all. The company has refused to update my credit reports and all three are showing this issue. The last time I went into the bank they lost my original paperwork. I think they didnt want to cover the bank that they had merged withs deals.
Product: Mortgage

To Whom It May Concern, Ally Mortgage has repeatedly made errors and failed to correct said errors associated with mortgage account ending in XXXX. Please see attached timeline to this complaint, as well as corresponding Ally Payment History and proof of erroneous credit reporting. To summarize the issue, my husband and I 's mortgage account was transferred to Ally from XXXX XXXX XXXX in XXXX of 2022. We made repeated calls to Ally regarding payment and set up of our account. However, due to lack of account set up, no payments were made in XX/XX/2022 to this account. 

Despite these issues created by Ally, we set up our account through our own diligence and repeated contacts, so we could pay XXXX, XXXX, and XXXX payments. We were then notified that we still had an outstanding XXXX payment. My husband made arrangements and agreements via a phone call with Ally in XX/XX/2022 to pay an additional amount each month for the course of 5 months to catch up the mortgage. Ally agreed in return to not report the XXXX payment. 

Despite this, Ally reported the late payment, but even incorrectly reported the late payment. Specifically, per our credit report, Ally stated the missed payment was for XX/XX/2022. ( See attached Credit Report ). This was done in error as the mortgage payments clearly show that a larger payment of {$5800.00} was made that month. ( See Ally XXXX XXXX attached hereto ). The only assumption I can make is that Ally CHOSE to first not honor their agreement from XX/XX/2022 and second reported a XX/XX/2022 rather than a XX/XX/2022 " late '' payment due to RESPA guidelines. Since the XX/XX/2022 payment would have been within the 60 day window disallowing mortgage companies to report that to the credit bureau, they chose to report the INCORRECT date. 

My husband and I have now made repeated attempts to have Ally correct this via the dispute and appeals internal process, so this can 30 day late payment can be removed from our credit report. Ally continues to deny this request despite their own errors and evidence of the same. 

Thank you for your time and assistance with this matter.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my TransUnion consumer report and noticed some items I require be deleted per violations of the FCRA.
Product: Mortgage

XXXX  XXXX XXXX XXXX is marketing on XXXX group consisiting of XXXX realtors and loan officers this is unapproved social media run by a XXXX company. XXXX XXXX XXXX XXXX or US Bank, they both forbid that. XXXX  XXXX XXXX XXXX under name of XXXX XXXX XXXX XXXX XXXX XXXX US bank interest rate, this is illegal and misleading. I attach the print-screen.
Product: Credit card or prepaid card

Disputed credit card original purchase in a timely manor. Original purchase date on or about XX/XX/XXXX, in the amount of {$62.00}, merchant XXXX XXXX. Capital One did a transaction re billing of the {$62.00} on or about XX/XX/XXXX without any prior knowledge on my part. I am providing substantial proof of an attached tracking page from XXXX, the pages show two different tracking numbers of items returned to the merchant. The merchandise was returned to the Dock and signed by XXXX on XX/XX/XXXX at XXXX XXXX. ( corporate office location of this merchant/warehouse is XXXX, IA-as the attached tracking information shows ). As in any normal business practice, credit was supposed to be issued to the : Original Payment Method. No mention or instructions were made by the customer to issue any other types of merchandise credits.
Product: Credit card or prepaid card

I have not charged anything on this card since XXXX of 2020, yet this balance never goes down nor will they allow me to use the card ever to get gas. 

This company adds late fees even when you make payments. I have tried calling and calling First Progress only to be put on hold and left there for hours at a time listening to prompts roll over and over. I was told there was a once time removal fee of {$40.00} and now when I call they do not answer.
Product: Debt collection

I have never had an account with XXXX and have never paid or agreed to pay them for freight. They have harassed me after I have continued to ask them to speak with whichever broker was used. Whatever Account this is does not belong to XXXX XXXX XXXX, or any of its subsidiaries. They should reach out to whoever they have a contract or account with and figure this out themselves because there is no contractual agreement or payment agreement that was given from XXXX XXXX XXXX to anyone at XXXX XXXX. XXXX should show original written and signed agreement if there ever was, which of course even if there was any, it would be fraudulent. Stop bullying small businesses and trying to harass individuals. This is unprofessional and unnecessary for a company that should be serving its clients but is instead trying to threaten them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 student loan collections reporting to Equifax in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
Equifax hasnt deleted any of them. 
XXXX has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.