23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around towards the end of XXXX, I was riding the bus home and the bus was almost at full capacity and all seats were taken. I had to stand along with other people, holding on. When I got home, my wallet was not in any of my pockets. I went to the bus station the next day to see if someone turned it in to the lost and found, but nothing was turned in. I panicked. Now I am a victim of identity theft.
Product: Credit card

Paypal credit was selling our accounts I had ordered 97 orders from XXXX XXXX orders never tracked anywhere and I never got all the items. 
Paypal instead of helping me locked me out of my account and then sold my account to Synchrony bank. Before The Bank Bought the debt I told them I have a active dispute with them dont buy my account till this is done they bought it anyhow. So I have no ''way to get to my info on Paypal because of there fraud and this place sold my debt to XXXX and that debt collector that XXXX used served me with a fake lawsuit on top of every other thing he did wrong calling my phone 25 times a day. Never sent proof of debt and under MN Law he voided the debt. So XXXX  sells it back to the Bank and now the bank thinks they can keep trying to collect a debt that is no longer owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX ADP took {$3400.00} out of my account. They said it was a forfeiture. I caught it on XXXX. Called them and they would not explain it to me. Said I needed to speak with my companys administrator. I did and my company administrator said they were not right in do it and in fact they had done it for several other people at the company. Our company administrator could not get a good explanation from them either but ADP admitted that it should not have happened and they would correct it and put the money back. Some time between XX/XX/XXXX and XX/XX/XXXX they totally erased the transaction as if it never happened, however my account value only went up by {$1700.00} between those two dates. In addition my account, by ADPs calculation, had been showing an over 20 % gain between XX/XX/XXXX and XX/XX/XXXX. So, my account should have gone up by {$3400.00} plus the 20 % gain. Also, after they erased the transaction, the ADPs calculation of my net gain dropped to less than 16 %. I have requested an explanation, but to this day they have not even attempted to give me one. They tell me to see my company administrator and she says ADP is not giving her answers. These people are supposed to be a fiduciary, but they wont explain to me what they did and why it doesnt appear to me like they put enough money back into my account.
Product: Mortgage

I have written to Citimortgage at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letters were dated XXXX XXXX, 2015 and XXXX XXXX, 2015 which are attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due and on XXXX reporting that the account is open with a XXXX balance but on XXXX and XXXX they are reporting the account as closed. According to my understanding of FCRA, all reportings must be 100 % accurate or they must be removed or repaired. I do n't understand how they can avoid compliance with the law. I need your help.
Product: Debt collection

I paid my bill in full. The collections was deleted from my report but still remains on my report as a reason to why my credit score is still lowered. I was told when I paid in full it would be removed from my credit report and increase my score.
Product: Debt collection

This company is attempting to collect on a debt that is not mine. Revvi and XXXX both have this account open and reporting in collections on my credit report as negative. I have not signed any agreement or contract with resurgent or received any goods or services from them. Please delete this account from credit report. 15 USC 1692c ( c ) clearly states If a consumer refuses to pay a debt the debt collector shall not communicate further with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account ( and multiple others ) were compromised as apart of theft on new years day of 2022. XXXX XXXX  and XXXX XXXX XXXXXXXX quickly resolved those issues. XXXX ( via XXXX XXXX ) did not. Access to my accounts was locked by XXXX  and unrecoverable PER XXXX. Payment of the account was impossible due to this. 10 days after the account was " past due '' XXXX sent a notice in the mail along with charges ( many of which were still fraudulent and were racking up interest charges ). I then promptly submitted payment. After that a month later they submitted to the credit agencies that i was 30+ days late. THIS IS FALSE!! I have now paid this account down to zero and plan on closing it. The negative remarks on my credit report are effecting my credit report scores. The interest charges for fraudulent charges is negatively effecting my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax can not find my credit file XXXX and XXXX has no problem. I faxed the copies of social security and identification card to them, they responded that my file is still not able to be found by mail, with my name spelled wrong. I tried to call Equifax, according to their representative, they are not allow to talk or give any information if I cannot verify my identity (which is the exact problem that I have and need help with!). So again, I faxed Equifax with my social security, ID, and the letter that I received, to have them try to solve this issue. Still waiting for response ever since. It has been a month since I send my last fax.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Collection Account Account Number : XXXX Collection Account Account Number : XXXX Collection Account Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX  Account Number : XXXX-XXXXXXXXXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to both XXXX, TransUnion and XXXX. Several times in regards to a debt collector called lvnv that put 2 accounts on my credit. The most recent dispute was on XX/XX/year>. The Issue is ( 1 XXXX XXXX we're not allowed to report without notification according to regulation 12 ofr. Bto the credit bureaus. I requested that this be investigated and to provide documentation of notification. XXXX contacted me on XX/XX/year> with a letter that an attorney reported identity which was not all true. I was not afforded the opportunity to have the debt validated or verified. The other issue was XXXX reported an amount that was different than the original creditor. XXXX and TransUnion reported the creditor reported verified. But XXXX we're not only to chage their account from debt collector, to debt buyer and now shows on my report as a factory account. They also changed the debt from one month to another. Again XXXX and TransUnion allowed without notification to the debtor and with no explanation as to why they changed date of debt without documentation to me. Or to the credit bureaus. XXXX deleted. But on all XXXX of my credit reports, there are. inconsistencies between the original creditor and XXXX including the original creditor charge off amount was different than what XXXX said was owed. There are no payments made on the orginal creditors report, that should have also been reported by the debt collector. Dates are missing, dates are incorrect, but XXXX and TransUnion continue to report.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I received an email from Experian steering I had a new credit activity. Being I've done nothing on credit since my car, I lied in to view it only to be inundated with ads, offers, requests etc. I could not navigate to see the new activity due to the ads. Being this company controls my credit, I should have free uninterrupted access whenever I'm notified of activity. 
I feel they send the activity email to sticker be too go to their site to sell me stuff.
Product: Credit reporting or other personal consumer reports

I contacted Upgrade , Inc. in XXXX to determine when my credit report would be updated to reflect the balance. They stated they don't have control over when the update happens. However, other accounts are not having this issue. When I contacted them to close the account, they retaliated by claiming that my credit report had changed and thus the account can not have new charges added. I was okay with this, but they still have not til this day updated my credit report to reflect a closed account and {$0.00} balance. They are also still issuing statements. So, they have not closed the account, they only suspended it and also suspended reporting as retaliatory measures toward me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In XX/XX/ I remitted notice to the following companies sharing information with consumer reporting agencies in collusion to furnishing unlawful consumer reports in clear violation of 15 USC 1681a the following message : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all transactions and experiences between me and your institution from all reports delivered to third parties. Effective immediately and indefinitely.
Product: Mortgage

When UWM paid my annual real estate taxes, they processed 3 transactions. 1 of these was for the correct amount, the other two were errant, sending through 2 additional tax payments for unknown reasons. I have been unable to recoup those payments to this point despite contacting them 5 times over a 3 month period.

Correct Payment : {$2500.00} ( confirmed with my local tax assessor and matches my tax bill ) Errant Payment XXXX : {$4600.00} Errant Payment XXXX : {$2400.00} Total amount owed to me : {$7100.00} XXXX initially messaged them through their secure system on XX/XX/XXXX notifying them of the errant transactions. I received a response about a file they could not open and nothing regarding the complaint, I'm not sure what the representative was referring to so I opted to try calling them. 

I made calls to UWM attempting to resolve this and get a refund on : XX/XX/XXXX XX/XX/XXXX ( XXXX calls ) XX/XX/XXXX XX/XX/XXXX The XX/XX/XXXX call was the first to acknowledge that they had finally confirmed the error and would be refunding me the additional payments. Each time I called, they could never give me clear dates or how long it would take to process, they simply told me they would reach back out to me ( never once happened ). I called to check in on XX/XX/XXXX and the representative said it would take until end of XXXX to recover the funds as they had sent them to a clearing house for processing where they got rejected as an overpayment. 

Today is XX/XX/XXXX, and I have been owed {$7100.00} for over 4 months. This was a very clear and obvious mistake by them and it is not small amount of money. This is incredibly concerning and unethical that a company this large is unable to immediately address the situation and refund the money like any normal business would. If you make a mistake of this nature and overcharge a customer, you fix it immediately, you don't make them wait 4 months.
Product: Mortgage

My mortgage has fallen below 78 % XXXX and SoFi continues to take mortgage insurance payments. 

XX/XX/XXXX : I emailed SoFi requesting that my XXXX be canceled since the XXXX had fallen below 80 %. 
XX/XX/XXXX : I received an email from SoFi outlining that I would need to receive an appraisal to remove the PMI, however, the company indicated the XXXX would automatically be dropped on XX/XX/XXXX as the mortgage would fall below 78 % XXXX. 
XX/XX/XXXX : I emailed SoFi requesting that my XXXX  be canceled since the mortgage had fallen below 78 % XXXX. 
XX/XX/XXXX : SoFi disbursed a mortgage insurance payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went to my local Citibank branch to open a checking account and a savings account. At the time, there was a promotion that stated if either account could maintain a balance of at least {$5000.00} for 60 consecutive days, that I would be awarded a bonus of {$200.00} per account. 

Fast forward 60 days - the bonus was never received. In fact, Citi charged me a bogus {$25.00} " fee for monthly service '' to dip me below the {$5000.00} threshold, then promptfly refunded the fee when I complained and they realized their mistake. The branch manager who I made the accounts with, XXXX XXXX XXXX, quickly resolved this mistake once notified. 

XX/XX/XXXX - I emailed XXXX XXXX XXXX to try to receive the bonus since I met all of the terms and conditions ( XXXX & XXXX ), but no response. 

XX/XX/XXXX - XXXX - XXXX email XXXX XXXX XXXX again, no response. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX once again, still no response. 

XXXX XXXX XXXX  - I reach out to Citibank through phone line and open a case against XXXX XXXX XXXX and have them look into the issue. XXXX XXXX XXXX emails me afterwards saying that he " submitted an investigation '', but then provides a copy of different XXXX XXXX XXXX  to the ones in my possession. I scan and email the XXXX & XXXX to XXXX XXXX XXXX, but obviously he ignores me again. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - you get the picture... 

XX/XX/XXXX - XXXX reach out to Citi through phone line again in attempts to resolve the issue, but they are of no help and say that I did not meet their XXXX XXXX XXXX  At this point, after a year of trying to patiently resolve this, I forfeit and decided to file with the CFPB. 

Citibank provided absolutely terrible service, used misleading marketing to get me to sign up, and repeatedly ignored attempts at communication and resolution. Hopefully this case will help regulators clear up these types of practices. Shouldn't we hold these " top tier '' banks more accountable for their actions?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply
Product: Student loan

Nelnet is my loan servicer. When I was younger I was frequently placing my student loans into forbearance because I was never properly counseled on how the interest would continue to compound year over year. My account number is XXXX. My current loan information only goes back XXXX years. However, I've been paying on this account every month with auto-deduct since I got married in XXXX. Presently if I go back just XXXX years it shows a principal balance of {$14000.00}. I am XXXX XXXX XXXX. I've been out of college since XXXX. Since only XX/XX/XXXX I've paid {$7.00}, XXXX in INTEREST alone, {$11000.00} toward principal, equalling {$19000.00}. How the XXXX is there STILL a balance of {$9700.00} when I've been paying {$220.00} every month since JUST XXXX?! AND, there were several years when I was paying {$440.00}! I have not worked since XXXX of XXXX ( 19 months ). I refuse to allow XXXX additional cent of " Interest '' on whatever amount I originally owed if I use a forbearance program. At what point can ANYONE determine that I've paid enough in compounding interest and principal? How can it possibly be fair that I still owe over {$9000.00} when I've been paying on this loan for " at least '' 18 years? When XXXX XXXX passed legislation that locked my interest rate at 8.0 % I've been prayed upon by lenders ever since. I can not pay another dollar towards this ridiculous " legal scam. ''
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, I make a non-cancellable booking for a 2-nights stay for XX/XX/XXXX to XX/XX/XXXX on XXXX California  XXXX website, and prepaid {$320.00} using my Citi Premier credit card. 

XXXX, XXXX California  XXXX announced on their website that the hotel will be closed due to COVID-19 until  XXXX. They offered to convert paid bookings during closure to credit for future use. 

I did not accept the offer and contacted XXXX California   XXXX customer service several times, asking for refund due to non-delivered service. They kept persuading me into accepting the credit and refused to refund with the excuse that my booking is " non-refundable ''. 

XX/XX/XXXX, I contacted Citi to file a dispute. Customer service only asked information to locate the transaction and created a dispute. I was not asked to provide any document or evidence at that time. A temporary conditional credit of {$320.00} was posted to my account. 

XX/XX/XXXX, I logged on Citi website, checked my account, and surprisedly found that the conditional credit of {$320.00} was reversed. The dispute is shown closed with the result of " Resolved in merchant 's favor ''. A document provided by the merchant was linked with the dispute. 

Since XX/XX/XXXX till right now ( XX/XX/XXXX ) as I am filing this complaint, Citi did not contact me once either asking for any supporting material or notifying me about the result before the case was simply closed like mentioned.