23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank is having an issue on their end accepting my bank 's ebilling. This has led to paper checks being issued the past couple of months. I am paying on time, but they are not processing the payment in a timely manner. My fee was waived in XXXX but they will not waive the XXXX. I had been told this was an error in their system that was being fixed. I've been a customer for XXXX yrs and pay my bills in full and on time. They should be waiving fees while this error is occurring. My fee/interest in XXXX was over {$200.00}.
Product: Consumer Loan

there was a fraudulent credit inquirey from one main financial. i filed a claim with you and the matter was resolved as fraudulent inquirey and was to be removed. you have the letter from one main financial in their reply to you. it is STILL on my credit report. I need it removed immediately please.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX - Open on XX/XX/XXXX, this company improperly accessed and used my credit report in connection with a disputed amount of {$2100.00}. I did not authorize this, and it has negatively impacted my credit. I contacted the company, but they have not resolved the issue. 

XXXX : XXXX XXXX XXXX XXXX- Open on XXXX XXXX this company also improperly reported or used my credit information in connection with a dispute amount of {$120.00}. Despite my attempts to resolve this with them, the issue remains unresolved. 

XXXX : XXXX XXXX XXXX Open on XXXX XXXX this company somehow accessed my credit information in connection. I did not authorize a {$250.00} charge on a credit. This charge has negative impacted my credit. They are also another company I couldnt resolve the issue with. 

XXXX : Portfolio Recovery Associates * Date Opened : XX/XX/XXXX *Balance : {$480.00} Issue : This company reported a collection account that I do not recognize or authorize. I have attempted to dispute this, but it remains unresolved. 

XXXX : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : This account was reported as a collection, but I do not believe it is accurate. I have reached out to the company for clarification, but they have not provided proof of validation. 

XXXX : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} ( Written off, Paid, and Closed ) Issue : This account was written off and closed, but I want to ensure that it is properly reported and does not continue to negatively affect my credit score.
Product: Credit reporting or other personal consumer reports

Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my livelihood and credit health. 

Collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail in XXXX of XXXX from XXXX XXXX XXXX. and it said I could get help to payoff my private student loans. Being a naive, fresh out of college XXXX XXXX year old with thousands of debt, this offer sounded like the solution I didn't know I was looking for. 

Unfortunately, I fell into the trap and filled out forms, information, and sent my own bank info via email communication to have this company, XXXX XXXX XXXX, handle all of my private student loan payments. They offered me a lower monthly payment than what I was paying my XXXX loan provider, and I thought this was a good deal. In turn, I was supposed to ignore all communication from student loan providers and let XXXX XXXX XXXX. know of any contact from them. They sent me an agreement with all the dates that a transaction of {$140.00} would be taken from my account each month, beginning XX/XX/XXXX which would be used to put forth towards my private student loan while they worked on lowering my overall loan rate to have a faster payoff, and by XXXX, with my last payment scheduled XX/XX/XXXX, I would be debt free. With over {$3000.00} in payments to this XXXX XXXX XXXX. ( ending in XXXX of XXXX due to closing my XXXX  account ), all I received from my private loan company, XXXX XXXX, were phone calls, emails and warnings because I was missing payments. Little did I know, this was a scam and it wasn't until much after I realized my credit score had been altered significantly that this program was not going to help me eliminate my student loan, only further put me in more financial trouble. 

Luckily, I still have copies of forms and communication with XXXX XXXX XXXX, but I would really like to be able to get this cleared from my credit score, if those missing payments from my loan provider can even be excused. My mistake of falling for this scam and not sending over 20 student loan payments has resulted in a significant lowering of not only my credit score, but also my mother 's who is a co-signer on my student loans. I am not sure if this can ever be removed, but the detrimental impact on my credit score will be a financial burden I will have to face the consequences for along with my mother. I was unaware that I could even report this type of fraud until I embarrassingly admitted my mistake to my mother when she questioned why her own score had dropped. Hopefully, this will stop others from falling for the same scam that I fell for and other like this that are unfortunately out there in the world.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 
XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your XXXX and prompt attention are greatly appreciated.
Product: Debt collection

I have been disputing this debt with XXXX for over the last two years now. This debt does not belong to me. I have been a victim of identity theft several times. XXXX has refused to deem this debt as invalid and not belonging to me. 

The last time I disputed this account, the fraud department let me know that the debt is being deemed valid because of credit payments made on the XXXX account from a XXXX XXXX  account in my name and asked me to provide proof that the XXXX  account was not mine and that I did not authorize the opening the of the XXXX or XXXX Account in order for the negative XXXX  account to be removed from my credit profiles. 

As a result, I researched this claim because I did not have a XXXX XXXX  account. I pulled my consumer report on XX/XX/year>. I saw the account XXXX was referring to on my consumer report and filed a dispute to get the account removed and my consumer report updated. The fraudulent XXXX account used to make payments to the credit card was removed and my consumer report updated effectively. I have attached the old report and new updated report reflecting the removal of the XXXX account due to identity theft and the account not being mines.
Product: Credit reporting or other personal consumer reports

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! 
and Bankruptcy # XXXX You can not even legally file bankruptcy this close together so they should know this is an error or a lie!!! I have asked them several times to delete this inaccurate information!! They are refusing!! Transunion is in direct violation according to the FCRA rule # 9037!!!!

15-USC-6802, 15-USC 1681A2B Good Day I XXXX XXXX have contacted Transunion several times !!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! This is not my bankruptcy!!! Nevada Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/year> Delete this inaccurate bankruptcy immediately!! Both of these Bankruptcies appearing on my report is false inaccurate information!!!! 
Delete Immediately!! Im demanding that these 2 bankruptcies are immediately deleted!! XXXX XXXX confirmed they are not mines!! So did XXXX and XXXX but Transunion is not only refusing to delete this fraudulent inaccurate information!! They are also in several direct violations!!! 
Delete Bankruptcy # XXXX Delete Bankruptcy # XXXX Immediately According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Never pay late, and they show a late payment on 30 days in TransUnion in XX/XX/2022, in XXXX in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Delete this account. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$73000.00} XXXX XXXX XXXXXXXX Balance : {$59000.00}
Product: Student loan

ED Financial will not process my student loan payment. I have been trying to pay my student loans in full since XX/XX/23. ED financial will show that my payment is processing, and then successful. It shows a {$0.00} loan balance. Then, a few days later, it shows a " payment reversal '' but with no explanation. My bank says nothing is wrong, nothing should be preventing the payment from going through. 

Our bank account information is correct. 
I have more than sufficient funds to pay off my loans. 
Our bank has confirmed that it's nothing on their end. 

Meanwhile, interest continues to accrue. I've now tried paying twice and both times ED Financial has reversed the payment for no reason. It has been approximately 17 days without success. 

I can not get ahold of ED financial to fix the problem. Their chat function isn't " available. '' Their phone lines don't work. It told me to expect to wait on hold for 300 minutes ( 5 hours ). I just want to pay my loans and stop accruing interest. 

I know plenty of others are experiencing the same issue. ED Financial won't answer their calls, provide information, or allow us to pay off loans. I can't reach anyone at ED Financial. It is unfair and has cost me hundreds of extra dollars in interest.
Product: Vehicle loan or lease

The vehicle was paid off in XXXX of XXXX  and I never received a title for the vehicle. I have called countless times over the years to try to get a title from them and was told it was mailed out, then someone else told me it was never mailed because they are enrolled in paperless title system, then Hyundai finance directed me to go to the dmv with a lien release paper but the dmv couldnt do anything with that paper because they never released the title electronically from the XXXX XXXX  so the dmv can issue a paper title. Every time I call Hyundai they send me the same lien release paper to take to the dmv but it is always the same answer, Ive told Hyundai they need to have the title department release the title from the electronic title system so I can be issued the title, I have gone over this with them multiple times, and still nothing has been done.
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 instructions In accordance with the Fair Credit Reporting act XXXX  these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX # XXXX. Has violated my rights XXXX XXXX XXXX # XXXX Has violated rights
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681b, outlines the permissible purposes for accessing credit information. These rules are in place to protect consumers from unauthorized access to their credit reports. After recently reviewing my credit report, I noticed there are unauthorized credit inquiries I did NOT authorize at TransUnion Consumer Solutions, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/XXXX, XXXX credit XXXX Inquiry date XX/XX/year> and, XXXXXXXX XXXX Inquiry date XX/XX/year> and, XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to XXXX XXXX XXXX, XXXX  attempt to collect a debt on behalf of American Express. The account ending in XXXX. 
The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. 
I am a XXXX veteran of the USA. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. 
I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family XXXX XXXX XXXX XXXX with one XXXX  XXXX XXXX  a XXXX XXXX. I survive on an XXXX  XXXX  daily. 
I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that XXXX XXXX XXXX, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that American Express will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! 
XXXX XXXX XXXX, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. 
If this offer for settlement is accepted, XXXX XXXX XXXX, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. 
Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX 
XXXX, NC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, PORTFOLIO RECOVERY ASSOC add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

Company failed to explain and address why there is a final balloon payment in the amount of a final balloon payment on the Interest Bearing Principal Balance of {$45000.00} is due on the Maturity date and how this amount is calculated and derived from. How and where the Other Deferred Amounts total is {$1100.00} stems from and how this amount is derived or based on? Why and how the total remaining principal balance that will be due in a balloon payment at the maturity of my mortgage, will be the total of my Deferred Principal Balance and Other Deferred Amounts and the balloon payment resulting from the extended amortization of my mortgage, which will be {$46000.00}. How this amount is derived and calculated.
Product: Credit card

I live in a XXXX unit apartment building in XXXX XXXX XXXX, on XXXX XXXX, a major XXXX XXXX. I am disputing a charge for a package that was never received by me, a package of 5 items from XXXX XXXX. I have outlined the situation and provided documentation below. 

To access my building, you must buzz the apartment. My package was supposedly delivered on XX/XX/XXXX and I was home all day. 
-- No one ever buzzed on XX/XX/XXXX. 

The package was supposedly delivered at XXXX XXXX on XX/XX/XXXX. 
-- My super has checked the lobby cameras and he says no deliveries were made between XXXX and XXXX on XX/XX/XXXX. 
I am attaching a signed letter to this effect. 

The tracking for this package shows that the last location before it was supposedly delivered is " NA, NA. '' There is no additional scanning of this package for 3 days, between when it arrives in XXXX and when it is supposedly delivered in XXXX. -- This suggests that it was not actually scanned in XXXX XXXX XXXXXXXX. 

Finally, the tracking on the XXXX page says it was left with the " front door. '' -- Other packages that were successfully delivered by XXXX ( for example XXXX ) say they were left with the doorman. This further suggests that the package was left either outside the building, left at a different building, or never actually delivered. 

I have spent more than 30 minutes on the phone with XXXX XXXX, providing this all of this information, and was told my only recourse at this point is to file a dispute with my credit card company. 

I filed a dispute with my credit card company -- AmericanExpress -- and was told that because the delivery company says it was delivered, I have no recourse. As noted in this XXXX threads ( attached ), this is a known issue with XXXX -- packages are marked as delivered that are never actually delivered. 

I am attaching a signed letter from my building super noting that no packages were delivered ( based on his viewing of the camera data ), documentation of my order, the tracking discrepancies and a list of reddit comments noting that this is a know delivery problem with XXXX in XXXX. 

Best, XXXX XXXX