23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent previous complaints regarding XXXX XXXX XXXX regarding them trying to collect the wrong debt amounts through XXXX. Now all of the loans, except one, have been referred to another collection agency ... XXXX XXXX XXXX in New Jersey. 

I sometimes could not directly contact XXXX XXXX XXXX, was given wrong phone # s, or given the name ( s ) of phony reps with wrong numbers. No one would return my calls, and the amount owed was/is always misrepresented. 

I have paid thousands of dollars dating back to XXXX, but was always sent statements reflecting the original amounts, as if nothing had been paid on behalf of or to XXXX XXXX XXXX. 

I sent you a complete file regarding XXXX on behalf of XXXX XXXX XXXX, but again, four of those five private loans have now been referred to XXXX XXXX. My original complaint should be XXXX. 

I hired a lawyer who arranged a " settlement '' of {$12000.00} payable @ {$510.00} per month payable to XXXX XXXX, which began XXXX XXXX and will continue through XXXX XXXX. Though on limited income, I have paid faithfully each month and continue to do so. Both my daughter, XXXX XXXX and I are to be released when the settlement to XXXX XXXX is paid. 

Perhaps there is nothing that can be done, or my situation may not be considered a complaint, since a " settlement '' was  reached, but I thought I should at least provide this information since your agency has filed suit against XXXX XXXX XXXX. 

I am still paying XXXX {$100.00} per month ( also on behalf of XXXX XXXX XXXX ) on one last loan of which the original amount of {$12000.00} has not never gone down. 

I am forwarding what I consider to be pertinent information. 

Thank you for your attention. 

Something has happened that I can not reset my password. I have tried several times. Please re-send that message to me so I wil be able to check the status of my complaint ( s ).
Product: Debt collection

Somehow I cant get rid of this debt. I paid t-mobile directly, Im pretty sure I paid some other collection agency too. And now I keep receiving phone calls and letters from different collection agencies about this same debt. What even worst now this is in my credit and affecting it. Why? That needs to be removed asap! Why was that account just added!? That account should have never been sent to collection to begin with! This feels like t mobile its just getting back to me because I switch to a different carrier. They just sent me a bunch of fees and bills at the end, and I paid them all! And now this! Unbelievable!
Product: Payday loan, title loan, or personal loan

I been payed this off I never got the items that I paid on XXXX from Afterpay
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to receive assistance from Equifax on creating and accessing an online account. I failed my identity check and was very concerned that someone had stolen my identify. 

I immediately called their provided phone number to setup a credit freeze and renew my fraud alert. 

The first representative was ( I think ) helpful. According to her, I was able to setup the credit freeze and fraud alert. However, strangely, I setup XXXX XXXX the following business day. XXXX XXXX hit the credit freeze I setup with XXXX XXXX ( same day as Equifax ), but did not hit the credit freeze for Equifax. This leads me to believe Equifax did not faithfully carry out its responsibilities under the FCRA. 

I was transferred at least 5 times with each individual apologizing that they did not have access to help me get into my online account. When I asked for a phone number from 3 of the 5 representatives : One representative gave me the general customer number, XXXX, which was not helpful. 
Second representative gave me the following number, XXXX, which the final representative I spoke with mentioned they could not find that number listed in their directory - not helpful. 
The final representative then gave me XXXX. This is one digit off, which I question is a working number. 

On top of all this, I was speaking to people that were in the XXXX. However, I judged this based on my experience with the accent. The final representative was not intelligible. I had to repeat what I thought she said to confirm whether what I heard was correct. Considering the sensitive information citizens have to provide, why wouldn't you spend the necessary money to hire good ol' fashioned Americans?? 

And when will we finally receive proper protections from these American credit reporting agencies that seemingly have no regard for the well being of Americans? At minimum, shut down Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX/XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removed. XXXX has complied and I would like Experian and XXXX to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and thank you.
Product: Debt collection

On XX/XX/19 I sent a letter to Receivable Performance ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting validation of the debt they are reporting on my credit profile. As of today, I have not received the documents. and they are still reporting to the credit bureaus. This is a violation of the fdpca.
Product: Credit card or prepaid card

Americans express are not processing my credit card dispute and have overcharge my credit card. 

They are sharing with me that the balance is not due but is reporting an inaccurate information with the credit bureau regarding my balance due that is under dispute. And hasn't provided any disputes resolution.
Product: Checking or savings account

Account closed and I'm in SC needing my money ( available balance ) been victim of hurricane and in dire need of food and water. Was told numerous times money had been transferred and it had not. I'm on XXXX and it's my entire XXXX check {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX to XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX to XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my XXXX  credit report, they see a bankruptcy disposition and report date of this year ( XXXX ), not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX date reported. This is not right. XXXX closes all disputes and tells me to clear it up with Lexis Nexis. I have repeatedly file a dispute to correct the date via email nd mail to Lexis Nexis. I  even supplied Lexis Nexis with my federal court discharge paperwork showing disposition of XX/XX/XXXX. The lady at Lexis Nexis said the reported date of XX/XX/XXXX on the credit shouldnt matter, but it does matter to VA underwriting. In addition the date is not correct and should reflect correct date regardless. I contacted the bankruptcy court and they also stated they do not verify any information for Lexis Nexis or  anyone else. They also informed me that nothing else is in our file past XX/XX/XXXX. They said the XX/XX/XXXX was the result of an error or fraud. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility. Until the disposition and reported date is correct, I can't move forward.
Product: Mortgage

I am having a lot of difficulty removing my escrow account with Fay Servicing. They took over my loan in XX/XX/year>. My previous payment before them taking over was {$600.00}. I pay my insurance and taxes each year out of pocket. I have more than 25 % of the loan paid in and it is not required for me to have an escrow account. The continue to tell me that it is required. 

My XX/XX/year> payment has jumped to XXXX and they tell me that it is because of my escrow account. Even if that were the case, my escrow would be about XXXX a year, they are collecting XXXX now a year which is outrageous. All my taxes and insurance have been paid in full and current so there is no need to take an additional XXXX from me month. 

I have tried to speak with a manager or supervisor and they continue to tell me they do not have one and so there is no way for me to get this resolved. 

I just want my escrow removed. THis is too much extra for me and not right. IF you look up their reviews many are saying the same thing. out of XXXX XXXX reviews, they sit at a XXXX. We need help! 

My loan number is XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit card

A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me. 

Since I requested a cease of communication, I have been contacted an additional 12 times. I consider this contact harassment and have notified each of their agents to contact me as such. A company like chase should not be allowed to ignore the law when it comes to unauthorized charges, AND harassment. That is highly unacceptable.
Product: Credit card

Dear XXXX, I have several accounts with Citibank , NA that were sold or charge offed in XXXX : - Sears XXXX -Citi XXXX -Citi Thank You Card All these accounts were settled in XXXX via a debt collection agency. I attempted to pay Citi directly but they refused because they apparently sold the debt to various companies. My complaint is for Citi to remove these charge offs from my credit report. These are the only delinquent items standing between me and a new home. My mortgage provider has stated these charge offs will result in extra interest fees through out the life of the loan. Not to mention, they also stated your chances of getting a new job, might be slim due to these charge off accounts listed on my credit report. I am asking for a simple request for Citi to remove these negative items off my credit report, so I can live stress free. These dark clouds from my past keep coming back, and Citi is the only company who does not help the situation. I have restored my credit and financial position since XXXX. Not to mention I have been a Citibank client since XXXX and will continue to do so. Please help me in my quest to get a new home. Have a good day and thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX Acct # 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 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: Money transfer, virtual currency, or money service

XXXX charge me for two orders, I only ordered one, I had canceled the other one, one was for {$56.00}, the other one was for {$62.00}, they claim that they refunded me the money, I reached out to XXXX who referred them back to XXXX. It's a big mess, XXXX use the third-party company and only refunding me {$34.00} to XXXX who I am in the process of trying to verify that money is I took the items back to XXXX, handed them to XXXX anXXXX XXXX XXXXld me they have to reach out to the third-party company, I don't think that's right it's not my fault they use a third-party company, the way I paid them. My money is the same way they should refund the money to me.
Product: Mortgage

I have been dealing with Citi Mortgage for several Months trying to conduct a Short Sale of my residence. All documents have been submitted for review ( were again verified complete over 30 days ago ). But every month the case is reassigned to a different short sale representative. We are now about to lose our buyer due to failure on Citi 's part to process in an acceptable timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of today, I have not received any response from your organization regarding my disputes with XXXX XXXX XXXX, Acct. # XXXX. This account is still being reported inaccurately. 

Numerous Follow up letters were sent and still went unanswered. 

Experian is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I need this account off immediately. It is a hindrance to me from getting housing and from other credit opportunities. This account is inaccurate it needs to be verified for it to be placed on my consumer report. It has not been verified and your investigation has not solved my issue. I need this account to be deleted ASAP.
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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXXXXXX 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 XXXX0}
Product: Credit card

This is in reference to my previous complaint : Case number : XXXX still have the same issue. The bank apologized and confirmed it wo n't happen again but I still see the same issue where my credit card disappears from my online account after XXXX of every month, so I am unable to check my transaction status online. I am wondering if I should file legal action to have this issue fixed once and for all, since the bank does n't seem to take this issue seriously or do anything about it yet.
Product: Credit card or prepaid card

I received a bill in the mail stating I have an annual fee of {$170.00} due for a card Ive never applied for or even posses. I called the company, they told me to come here and make a report of it and fax them afterwards.
Product: Debt collection

I have an account that does not belong to me from XXXX XXXX. I have tried to dispute and settle this even though it does not belong to me. They have sent me a letter ( XXXX XXXX ) telling me to prove to them that it is not mine or they will sue. This account should have fallen off of my account in XXXX of this year. Under Alabama law it can not stay on my credit over 6 years. They failed to that and now they are refusing to accept my disputes. This account is not mine in the first place but I was also willing to let it go if they removed it since my 6 years were up. {$680.00}
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Vehicle loan or lease

There was incorrect things on my XXXX and then they denied me for an auto loan.
Product: Credit card or prepaid card

I have a Delta Skymiles AMEX account. On XX/XX/XXXX I went to upgrade my Delta Skymiles Gold to a Delta Skymiles Platinum. AMEX sent the incorrect link and opened a AMEX platinum instead. When I received the wrong card in the mail, AMEX admitted their mistake, canceled the card, and removed the credit pull from the Credit Bureau Report. 

I went to apply for a AMEX platinum in XX/XX/XXXX and was told I couldnt receive any bonus offers since I had technically had the card before- despite the fact it was AMEXs error. I called again in XX/XX/XXXX and XX/XX/XXXX and was told they admitted the whole thing was their error but couldnt technically give me a bonus since it was a computer issue. On XX/XX/XXXX, I was told on the phone that a supervisor could manually audit my spending and give me a lesser bonus- but wouldnt give me any documentation that i was guaranteed to receive the points. Plus it was a lesser bonus than the 60,000 points for {$5000.00} spending. I messaged again on XXXX XX/XX/XXXX and was told again it was their fault but the customer service agent couldnt do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate the removal of some fraudulent items from my credit reports. However, I have identified that there were remaining fraudulent items persistently reporting, adversely affecting my credit standing and records. I am once again urging Experian, XXXX, and XXXX Credit Bureaus to remove the items listed in this complaint per bureau, as documented in my FTC report with reference # XXXX : -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX  Balance : {$50.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$7700.00} XXXX XX/XX/XXXX  -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} 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: Checking or savings account

I VISITED XXXX XXXX IN XXXX, ARIZONA ON XXXX XX/XX/XXXX AT AN XXXX XXXX XXXX FOR A XXXX, WAS SEEN GIVEN A XXXX XXXX AND ULTIMATELY DIAGNOSED WITH XXXX. I AM COVERED BY XXXX XXXX AND AS XXXX  XXXX IS A COVERED PROVIDER, MY RESPONSIBILTY WAS ONLY FOR A {$37.00} COPAY. I RECEIVED EMAIL CORRESPONDENCE FROM XXXX XXXX ON XX/XX/XXXX INFORMING ME THERE WAS AN ISSUE WITH MY INSURANCE AND A REQUEST TO UPDATE IT. I FOLLOWED UP AND UPDATED MY INSURANCE CARD WITH XXXX XXXX LATER THAT DAY. XXXX CAME AND WAS SENT AM EMAIL FROM XXXX XXXX THAT THEY WOULD BE CHARGING ME FOR THE VISIT. I CALLED AND SPOKE TO THEIR BILLING DEPARTMENT AND TOLD THEM IT NEEDED TO BE RESUBMITTED TO INSURANCE AND WAS TOLD THEY DON'T DO THAT AND WHEN I ASKED TO SPEAK TO A SUPERVISOR WAS DENIED THE OPPORTUNITY TO ESCALATE THE ISSUE. CALLED MY BANK ON XX/XX/XXXX AFTER CARBON HEALTH TRIED TO CHARGE MY CREDIT CARD AND A FRAUD ALERT WAS ISSUED AND TOLD MY BANK XXXX XXXX DID NOT HAVE MY AUTHORIZATION TO CHARGE MY CARD. USAA ADVISED ME TO ISSUE A STOP PAYMENT ON THE ACCOUNT FOR XXXX XXXX THE STOP PAYMENT WAS ISSUED ON XXXX XXXX, HOWEVER XXXX XXXX WAS GIVEN MY NEW CARD NUMBER BY MY BACK, USAA AND SUBMITTED THE CHARGE AGAIN ON XX/XX/XXXX AND USAA ALLOWED THE CHARGE TO MY ACCOUNT. I HAVE CALLED USAA AND XXXX XXXX MULTIPLE TIMES AND USAA HAS REVIEWED THE CASE TWICE AND DENIED MY APPEAL. CARBON HEALTH CAN NOT ASSIST AS THEY CAN'T EVER GET ME TO A SUPERVISOR IN THEIR BILLING DEPARTMENT. I HAVE ASKED THAT MY STOP PAYMENT AND THE FRAUDULENT CHARGE BE REVERSED AND USAA CONTINUES TO STAND WITH THE MERCHANT AND NOT THEIR MEMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : Capital One Bank USA I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
Product: Credit card

This is an ongoing dispute about a refund of {$66.00}, - from XXXX. After filing a complaint with the DOT, XXXX provided an ARN number : XXXX When I called Barclays they stated that this number doesnt exist in their system. When contacting XXXX again, they stated that I should get this in writing from Barclays. I called Barclays again on XXXXXXXX XXXX XXXX and their representative confirmed that they would send me a letter confirming that the above ARN does not exist in their system. Until today I have not received the promised letter or an email from Barclays in regards to this ARN. I advised XXXX to get in touch with Barclays directly to confirm since this was the so called XXXX XXXX and More credit card but it appears that there is no interest from either party to resolve this issue. It is possible that Barclays is trying to cover up that the {$66.00} were refunded but not credited to my account.
Product: Checking or savings account

PNC Bank has refused to acknowledge a recorded call that my late mother XXXX XXXX had stated on XX/XX/XXXX that none of other children are to have access to her Bank Accounts. However on XX/XX/XXXX they allowed my sister XXXX XXXX to withdraw all of her money out of her accounts despite the court ruling removing her as the Power of Attorney. And since then PNC has been vindictive against me and most recently refusing to close one of my Savings Accounts with only XXXX XXXX