23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, I subscribed to a newsletter at {$130.00} per month. In XX/XX/XXXX, I decided to stop the subscription due to not using the service. Well, I sent the merchant a request to stop service/delivery and followed the instructions on their website. From XXXX to XXXX I was charged each month from the merchant. In XX/XX/XXXX, I decided I had had enough and changed my card number, and filed a dispute with Citibank. Citibank claims they did an investigation and decided to side with the merchant. Citibank and I disagreed on the outcome ; so, I tried filing an appeal. It's been nearly two weeks, I have not heard anything.

I realize now that there is only a 60-day period where they can give credit back for what happened, but Citibank still insists that the merchant is in the right. So, a partial credit would have been the most appropriate outcome. But, that was not the case at all. If I can't depend on my credit card company to back me when I'm in the right, then I have lost trust and will likely cancel our relationship of over XXXX  years. 

NOTE : Since I've gone through Citibank to try to resolve this issue, the merchant and Citibank are well aware of the transactions and no copies are necessary. But I can provide the information to you should you need it.
Product: Debt collection

I received a call from XXXX XXXX XXXX or as they call themselves XXXX. I was told that I have to pay my Citibank Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called one of their offices, and spoke to a XXXX XXXX who claimed to be the COO. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX year old daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with Capital One Auto finance was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was Capitol One not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
Product: Debt collection

In XXXX 2011, I was involved in a car accident. The car was financed by XXXX. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from XXXX about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of XXXX XXXX, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the repeated failures to remove fraudulent items from my account. Despite numerous attempts and assurances from your team, these fraudulent items persist, causing significant distress and financial harm. 

I provided detailed information and documentation to support my claim, including evidence of the fraudulent nature of these items. Despite my efforts, the fraudulent items were not removed from my account. 

Subsequently, I made several additional attempts to have these fraudulent items removed from my account, filing subsequent complaints and providing additional evidence to support my case. However, each attempt has been met with delays and unsuccessful outcomes. 

The continued presence of these fraudulent items on my account is not only damaging to my financial reputation but also causing me significant distress and hardship. I have made every effort to cooperate with your team and provide the necessary information to rectify this issue, yet it persists. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my account. I expect a swift resolution to this matter, including the complete removal of all unauthorized charges within [ Revised Timeframe ]. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to explore further avenues of resolution, including reporting this matter to relevant regulatory authorities and seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Attempted to send a debt validation letter with information thats reported on my credit report and letter was returned ANK ( attempted not known )
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a non interest paying promotional credit card loan in XXXX. Records show that I paid in full. After completing payment of the loan, I spoke to a Bank of America representative and stated that I did not want to renew my credit card due to the fact that they charged a fee. I received notice in XXXX of XXXX that I have a non payment charge against my credit from Bank of America. I called them in XX/XX/XXXX and stated that my credit card had been cancelled more than a year and a half ago. 
I never knew that Bank of America had reinstated my credit card. I had no idea until my credit card rating dropped XXXX. Bank of America is still billing me and adding non payment charges to my account. This is seriously egregious. They are a large banking institution and I am a peon.
Product: Debt collection

These people whoni have no contract with continue to call and They have failed to produce the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Debt collection

This company is trying to come after me for a debt that is not mine. I am a victim of identity theft and multiple data breaches. I have ask this company multiple times to send me proof of debt, contract signed with wet signature, license for them to collect in my state and also to prove this debt.
Product: Mortgage

In brief I believe that I have been a victim of predatory lending practices, relative to my mortgage loan and attempts to refinance my mortgage loan so that I can keep my house, by the following : Bank of America 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

I paid for Credit repair from XXXX XXXX current and no disputes were sent on my behalf.
Product: Mortgage

I believe Ditech Financial LLC. has purposely not credited my mortgage payments made to my account. Furthermore, Ditech will not speak to me when I call. I have no way to communicate with them. I have sent them a certified letter and still, Ditech Financial LLC. will not communicate with me. I have attached a copy of the letter I sent to Ditech. Also, Ditech is holding almost {$13000.00} of my money in my mortgage escrow account. They are supposed to return that money to me. They also are holding a {$10000.00} two party, insurance claim check made out to myself and Ditech. I have a suspicion the {$23000.00} Ditech owes me is a largely the reason they are not applying the payments I have made on my account ... I am attaching a copy of the certified letter I sent to Ditech Financial LLC. asking them to correct my account. Also I am attaching a copy of my mortage statement showing the escrow surplus owed to me.
Product: Credit reporting or other personal consumer reports

The new massive data breach from Experian affected me in many ways as they acknowledged.Im trying to recover and correct inaccuracies from this massive travesty.
Product: Debt collection

On XX/XX/XXXX, I received notice that Commonwealth Financial was added back to my credit report after being disputed and removed twice. They have also changed the date of the collection to XX/XX/XXXX. This is illegal re-aging of an account! I have disputed this company twice from my credit report and they have removed the file, only to re-age it and add it back a few months later. It was removed XX/XX/XXXX and also again in XXXX of XXXX. This is the same account that they are continually re-adding back to my credit reports. I am tired of having to dispute them and then they illegally put this account back on my credit reports but with a new date.
Product: Student loan

Mohela Dept of ED XX/XX/XXXX, {$2200.00} Mohela Dept of ED XX/XX/XXXX, {$2100.00} Mohela Dept of ED XX/XX/XXXX, {$5600.00} Mohela Dept of ED XX/XX/XXXX, {$3500.00} Mohela Dept of ED XX/XX/XXXX, {$2300.00} Mohela Dept of ED XX/XX/XXXX, {$4500.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and USC 1681. I have reviewed my credit report and found that the entry regarding the charge-off account [ Account Number ] with [ Creditor Name ] is incorrectly reported. Specifically, the account is listed as a charge-off when it is not accurate or up-to-date.

I am requesting a full investigation into this matter, and for the inaccurate information to be removed or corrected. Below are the details of the account in dispute : Creditor Name : 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 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 XXXXXX/XX/XXXX As this information is inaccurate, I ask that you correct it as per the FCRA, which mandates that credit reporting agencies must ensure that the information they report is accurate and up-to-date. According to USC 1681i, you are required to investigate any dispute submitted by the consumer and complete the investigation within 30 days of receiving this dispute.

In addition, please provide me with documentation of your findings upon completion of the investigation, as outlined in the FCRA guidelines.

Please note that if this dispute is not resolved in my favor or if it is not corrected within the required time frame, I will seek further legal action to ensure my rights are upheld, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice.

Enclosed are copies of the relevant documents supporting my claim, including any payment history, letters, or other evidence demonstrating the inaccuracy of the charge-off. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had these XXXX accounts removed from my credit report in XX/XX/year> and they showed back up on my credit report as a collections account in XX/XX/year>, I contacted XXXX and requested specific information to be sent to me, they sent me a copy of a credit card statement, that is not what I asked for, I sent them a letter via certified mail requesting specific information to be sent to me. I have heard absolutely nothing back. These are fraudulent. XXXX accounts I want removed from my credit report
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4200.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 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 an account without my written instructions
Product: Mortgage

I have a loan through Community Loan Servicing, I applied for a loan modification back in 2019, after months in the application process they finally approved me, but they did right in the middle of the COVID 19 crisis. I made two payments in the three payment agreement but my hours were cut cut to the crisis, and I ask for a forbearance, And I was granted it. After I was granted the forbearance, Community then said that the modification is in default. I have returned to my work full time and have been promoted to a higher pay than I was when I was granted the original modification. I have applied for a new modification but they also are stating that they might proceed with foreclosure proceeding as well after the forbearance ends at the end of XXXX. I believe that this practice is unfair, and is meant to deceive the mortgagee holder that they had protections under a forbearance they really did not have.
Product: Debt collection

This number continues to call for a person who is not at this phone number or address. I've repeately told them I do not know who the person is they are looking for as I'm in XXXX and they told me it was for a loan in XXXX.
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX XXXX card was stolen years ago. I was locked out my account and never had access since then there are other cards and companies that have been stolen from me and I have a police report.
Product: Debt collection

I have sent cease and desist letters yet this company continues to call repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

Sued Audi for brand new XXXX XXXX that had over 15 service appointments spending months in service over the course of just 13 months of ownership. Audi agreed to lemon the vehicle, and just as this happened a repossession took place. When I spoke to accounting, I was told I had to pay balance in full of XXXX to have the vehicle returned to me even though they were aware of the lemon statutes. I would have paid the XXXX owed to cure a past due balance. I HAD never defaulted before. Had great credit, finances and verifications for everything when I purchased. I recieved horrible treatment and discrimination when I purchased but I needed the vehicle so I proceeded. Audi Financial sold the vehicle. They never contacted me. My rights were violated. And this needs to be wiped from my record or required to be reported positive only. I paid on time until I became dismayed and Desponded with such an expensive nightmare. My car had no air condition in CA, 120 degrees with the system fully blowing! Brake issues, car would stop unexpectedly, fluid leaks, sensor failures, just to name a few issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a notification from Experian that I had an updated address submitted to my account. When I checked my credit report, XXXX had submitted their own address, XXXX XXXX XXXX, XXXX, AZ XXXX as a personal address for me. 

Upon calling multiple times on XX/XX/2021 for XXXX to resolve this issue and find out how and why this happened, all I'm told is that the credit department that handles those things is not taking calls for at least 4 weeks. 

Having XXXX 's business address reported as my personal information is a major issue they refuse to acknowledge or fix. I have filed a dispute with Experian, however XXXX has violated my privacy rights, in my opinion, and needs to be held accountable.
Product: Student loan

on XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX. I was given information that was I qualified for a loan forgiveness program to help me pay off my federal student loans. I agreed to allow XXXXXXXX XXXX to find a program that would work for me for an approximate {$8000.00} fee that would be taken out of my account in monthly payments. At this time I was not informed that my loan would be reconsolidated by another loan company called Navient. I was also not informed that by reconsolidating my loans it would cause me to loose my 18 months out of the ten years of on time payments made to XXXX XXXX that would qualify for the 10 year forgiveness program.On XX/XX/XXXX I was contacted via email by a representative named XXXX ( XXXX ) phone number ( XXXX ) XXXX informing me that some paper work was still needed in oder to complete my application. On XX/XX/XXXX I decided to do some research by contacting XXXX XXXX directly I was informed that I was already enrolled in the " pay as you earn '' repayment plan and I could easily enroll in the public services loan forgiveness plan by simply filling out and sending in an application. At this time I realized that I had been scammed. I was paying {$8000.00} for a service that was not only free but not in my benefit in regards to loosing out on the 18 months already vested. I immediately contacted management in XXXX XXXX XXXX XXXX and spoke with a manager by the name of XXXX. I XXXX apologized for the misinformation and said he would make things right by reimbursing me my money, which he did, and immediately stopping and further process with my loans. 
On XX/XX/XXXX I contacted XXXX XXXX to inquire about my account when was informed that my accounts had been reconsolidated and sold to Navient loans. I contacted Navient where I was told that they did send me out a letter to my home informing me that I had 10 days to stop the process of the reconsolidating. When the representative verified my home address it was completely incorrect! As well as my email address was incorrect! I was never given the opportunity to cancel before the 10 days because my address!!! this is why I am filling a complaint. plained my situation and told him I wanted to cancel my poor arrangement with XXXX. C
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following collections. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}