23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CBB a debt collection company has reported to all three credit reporting agencies that I owe and amount on a medical bill. The amount reported is wrong. The payments being reported is wrong. 

I sent CBB a letter on XXXX XXXX by certified mail asking about the mis-reported balance and that i had made that payment and paid that account off. I heard nothing back from this letter. I pulled my credit reports from all three credit reporting agencies and noticed that they did not mark in the comments that this account is being disputed as required by law. 

I sent a good will letter to them by certified mail asking that this misreported, inaccurate report be removed by them from all three credit reporting agencies or I was going to take further actions. CBB still has not responded to any of my inquires or letters to date.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -- - XXXX DATE : XXXX Citi CBNA ATTN : FRAUD DEPT./LEGAL DEPT. 

This correspondence is in furtherance of my previous disputes, in which I clarified my position as a victim of identity theft and requested that all fraudulent activity not be reported against me. 
From XX/XX/XXXX, through XX/XX/XXXX, I was incarcerated in XXXX XXXX XXXX, ( NO RELATION TO FRAUD CHARGES IN ANY WAY ). During such time, apparently, there was a large amount of fraudulent activity taking place without my knowledge. Prior, I had been in good standing with ALL my credit accounts, never having had a late payment, charge off, collection, or any other type of derogatory item occur on any of my credit reports. 

I followed the law laid out by the FCRA and did as I was supposed to do, and I am shocked and disappointed that after showing clear and valid evidence, and having the fraudulent items removed, that you, CitiBank, would try to reinstate these fraudulent accounts. 


This situation, as disappointing as it is, has led me to the following options. Either you, CitiBank, REMOVE the Fraudulent item remaining reported against my credit report, ( Acct Number : XXXX XXXX ), OR I WILL BE FORCED TO PURSUE LITIGATION AND SEEK DAMAGES FROM THE HARMFUL PRACTICES YOU HAVE TAKEN, IN DIRECT DEFIANCE OF THE LAW. I have filed not only a Legal FTC affidavit, stating my situation, but also I have reported this act of identity theft to the XXXX XXXX Police Department, which not only entitles me to the laws under FCRA 605b 15 U.S.C. 1681c-2, but also under California Code XXXX Civil Code CIV 1785.15, In which states that after receiving the correct information from the consumer, as I had and will again provide, that the fraudulent account must be BLOCKED and REMOVED from my credit report. I have quoted the following texts on the matter : ( 1 ) You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information can not be reported. The information will be unblocked only if ( A ) the information you provide is a material misrepresentation of the facts, ( B ) you agree that the information is blocked in error, or ( C ) you knowingly obtained possession of goods, services, or moneys as a result of the blocked transactions. If blocked information is unblocked, you will be promptly notified. 

I have attached all necessary documents, including my identitytheft.gov Affidavit, my Police Report, and accurate identifying documents. I demand my rights under California and United States law, and if they are not afforded to me, I will be following through with filing litigation against CitiBank CBNA. 


( WORD DOCUMENT VERSION OF THE ABOVE STATEMENT WILL ALSO BE UPLOADED )
Product: Mortgage

- XXXX XXXX XXXX XXXX  sent me a letter dated XX/XX/24 stating my servicer would be transferred to Fay Servicing, effective XX/XX/24. 
- XXXX  then sent me a letter dated XX/XX/24 stating my loan had been sold and XXXX would be the servicer. 
- I called XXXX and was told to continue paying my mortgage to them. 
- I paid my {$7600.00} payment due XX/XX/24 to XXXX on XX/XX/24. 
- On XX/XX/24 I received a letter from Fay Servicing dated XX/XX/24 stating they were the new servicer. This was a full week after I'd already paid my XX/XX/24 mortgage payment. 
- Fay 's web site states : " If you already made a payment to your current mortgage servicer and that payment wasnt due until after the servicing transfer date, dont worry, your current mortgage servicer will forward the payment to Fay Servicing XXXX '' - Despite the web site 's reassurances, Fay Servicing began sending collections notices citing past due fees and collections calls threatening my credit. 
- I have spoken to representatives of both companies, provided proof of my XX/XX/24 payment to XXXX, and escalated my complaints. Neither company has responded timely ( they send automated " XXXX business days '' responses ). 
- Despite this being their business and an issue they deal with every day, XXXX and Fay seem unwilling or unable to communicate with each other. I paid the {$7600.00} I owed timely ( early, actually ), but am being pursued as if I failed to pay my bill. I do not have an extra {$7600.00} laying around to front while XXXX and Fay do nothing to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.
Product: Debt collection

I attempted to dispute this bill and this company wants me to verify the bill. I am not doing your job for you. Stop putting the cart before the horse and learn the business. 

Verify the validity of the bill, then contact me. Not the reverse.
Product: Credit reporting or other personal consumer reports

Hi there, When I pulled my credit report, I discovered a ton of inaccurate personal information. XXXX XXXX should be my only name. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX is my only address. 
Only XXXX XXXX me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Dear Sir or Madam : I have a huge problem with the XXXX. When I attended XXXX College in XXXX, NJ in XXXX I was only aware of a XXXX XXXX loan. That loan was paid in full in XXXX. However, shortly after I began hearing from the HESAA. They said that I owed them about the same amount of money. 

In XX/XX/XXXX, I received a notice that the HESAA loan was in default. I called the HESAA about it. The woman I spoke to was very unprofessional and curt with me claiming this loan to be mine. She promised me a copy of the promissory note and hung up on me before I could ask other questions. The same thing happened to me again with the same woman when I called a few days later. I never received that loan copy ; only more bills. 

Then in XXXX of XXXX I received notice of my loan debited out of my current salary unless I objected. I only work part-time and have been in and out of the Welfare system for the past three years. I sent in for arbitration and made a written request for my loan paperwork. It is that paperwork I received back that is making me so upset. 

Not only did I receive loan paperwork in my name for another loan provider on an outdated form with no loan amount on it and two paid off loans that were over 26 years old, but they had sent me a total of SIX other notes for three other completely different people. Each loan form had a different name, different addresses, different social security numbers, and different colleges. None of the loan documents, including my own, had the social security number blacked out. I am asking them for a least a year of XXXX XXXX service for this breach of confidential information. These people are obviously not me. I am wondering who they are sending my information to. 

I had complained to the arbitration board previously about the hang up calls and unprofessional service when I sent the letter requesting my paperwork. To my knowledge nothing was done about it. A financial hearing was started. 

Someone from the arbitration board did call, but they wanted my personal information which I refused to give. They had called me and not the other way around. The only information exchanged during that conversation was that there was new information about what they were claiming my loan to be and that I was upset about the breach of information of three other people. 

I am currently making a new complaint for the loan forms received as well and to request a different arbitration hearing. That paperwork has not been sent out yet. I am planning on sending it on Tuesday XX/XX/XXXX. The original complaint letters and the 8 promissory note copies for both myself and the three other people they sent me will be available for your review upon request. 

Thank you for your time and attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Student loan

I am struggling to repay all of my loans with XXXX who is the original loan entity that disbursed my student loans. Weltman, Weinberg & Reis Co. LPA . is the entity that is the debt collector on behalf of XXXX. I have been struggling to have stable employment and currently work but still still struggle financially. I am able to do a lower payment for the following loan number XXXX, the one time lower payment I can afford is {$300.00}. Reference number XXXX For the following loans I can not provide payments until my employment is stable. 

Loan number XXXX Reference number XXXX Loan number XXXX Reference number XXXX Please do not send mail to XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX because I no longer reside at that mailing address. My current and only mailing address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. All mail should be addressed to my XXXX XXXX and not my co-signer. Please remove my co-signer since I have completed a loan payment. The loan repayment that I completed is LOAN NUMBER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bankruptcy case was filed on XX/XX/2017 and is still showing on my credit reports on all 3 Bureaus. I have attached the bankruptcy papers. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported inaccurate information multiple times I disputed the information multiple times on all 3 credit bureaus fixing it temporarily until they reported more inaccurate information the following month. My credit score dropped because of this. So I closed the account a month ago it showed as closed for the past month until today when it showed up as open again. I would like the company to stop reporting on my account because they have been closed I will take any action necessary to get them to stop
Product: Credit reporting or other personal consumer reports

I have been trying to remove my credit freeze on TransUnion for 2 months. Their website always says they're unable to do so at this time, and to call an XXXX #. I did, spoke with someone i couldn't understand, and hung up. Tried a few more times, was eventually directed to their texting system, where they wanted me to text them my social security #! Which their website states not to do. When I refused, they said they couldn't help me without my personal information to verify who I am. It's all very sketchy, and have been unable to remove this freeze. I work for XXXX XXXX, we're always receiving emails from IT about scams, and how to detect them. I have to take the XXXX class every year to keep up to date on the hackers out there. I'm not claiming this is a scam, but it does feel like their website has been hacked and sending us to unauthorized people. One of the ways they say to contact them is through their XXXX page, so I looked at it this morning, there are a lot of these same complaints. I am on a deadline now to get this freeze removed, as my introductory interest rate expires in XXXX. I had no problem unfreezing the other two, which has left me vulnerable waiting for TransUnion to do their job. This company holds my credit and identity in their hands, and I don't trust them.
Product: Debt collection

RECEIVABLES PERFORMANCE Address :  XXXX   XXXX   XXXX   XXXX   XXXX , WA has put a collection on my credit report. They call me from  XXXX  several times a day, but when I answer they do n't say anything or keep on transferring me to different agents without answering any questions. They ask to confirm my name and address stating that its being recorded. I was not comfortable giving it out and when i asked them what it was about  one  of the agents told me the las t 4  of my SS and my address. EVEN THOUGH I did n't confirm my name and address. It must me in their recording the lady said " this is your social security and this is the address so why are n't you confirming that you are such and such person. I am really baffled by their approach and interaction with our highly sensitive and personal information. They say I owe them {$140.00} from a  XXXX   XXXX  account which was opened on  XXXX   XXXX    XXXX  , which I do n't have any knowledge of. I did n't open a  XXXX   XXXX  account and do not know where they got my information from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with Experian on XX/XX/2021 and received a response that the item I'm disputing is not reporting on my credit report, so I pulled a credit report for Experian and the bankruptcy is CLEARLY still there!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Rash and Curtis has not replied to my letter requesting validation of debt which was received via certified mail on XXXX XX/XX/2016 and continues to be reported on my credit report. Rash Curtis and Associates have violated federal law, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not correct error with reporting from XXXX. XXXX will not correcet incorrect billing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repoorting Actthis creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Received a Call from a company identifying themselves as Portfolio Recovery Associates looking for ex- wife on a mobile phone that is owned by ( husband 's ) employer. Agent for Portfolio asked if we resided at an address where wife grew up. She has not been a resident at the said address for 18 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I mailed out a dispute letter to Equifax. The letter was delivered on the XXXX of XXXX. I have yet to hear anything back from the company with regards to this investigation. Today is XX/XX/2021 and it has been 33 since they received my dispute. I feel that they were given enough time to complete their investigation, and if needed more time, they could have reached out to inform me of that. I feel completely ignored
Product: Credit reporting or other personal consumer reports

I found inquiries on my credit report that does not belong to me
Product: Mortgage

I had a home mortgage loan with Wells Fargo I got behind on two payments and asked them to work with me but they wanted the loan paid in full I asked them to put the payments on the back of the loan or refinance me and they wouldn't help me in any way I have letters and documentation to show and they went ahead and foreclosed me without even talking to me nothing or helping me as much as I tried I lost my home in 2008 and still sick about it
Product: Credit reporting or other personal consumer reports

Kickoff Lending LLC was reporting my account as a charge off. I filed XXXX XXXX bankruptcy on XX/XX/23. I included this account in my XXXX XXXX. My bankruptcy was discharged on XX/XX/23. On XX/XX/23, Kickoff started reporting late payments and a past due balance of {$4.00}. I never received any money or products from this company. It's a " credit building '' company that gives you a credit limit and you pay {$2.00} or so a month and they report payments. I have reached out to this company and after I emailed them they changed the account on my XXXX report again. It's like it's out of malicious intent.
Product: Money transfer, virtual currency, or money service

My daughter and I sold a car that we were on the NOTE together. My daughter and her husband purchased a cashier 's check from PNC bank where they bank payable to XXXX XXXX  on XX/XX/2019. The cashiers check was placed in the mail and sent to the address we were given by XXXX  for payoff of the account. On XX/XX/XXXX this check cleared PNC account but our loan did not show paid in full and when calling XXXX were told no check was ever received to pay our account in full. We then checked with PNC immediately on the XXXX or the XXXX who informed us that the check was deposited into a XXXX account and that the monies were transferred from PNC to XXXX. Neither bank has performed any type of due diligence in assuring that the check was paid as written. XXXX should have never accepted a check made payable to another bank and PNC did not raise any red flags that they were transferring money to a XXXX account when the check was clearly made payable to XXXX XXXX. We have called and sat on hold, visited PNC and visited XXXX. Both banks blame the other and neither will admit to any wrong doing of their due diligence. We have requested a provisional credit from PNC bank to pay the loan in full that was meant to be paid and have been told no due to the amount. The lady we sold the car to is now driving around with illegal plates and tags that were simultaneously transferred to my son 's jeep but she can't get her own plates because we can't provide her a title with no loan payoff. My son is also driving around with expired 30 day tags. No one seems to care that we are in a precarious position with this nor will they make right a wrong that they have done by not doing their jobs to insure that we are protected as consumer 's. No red flags were raised at either institution and it's unacceptable. We have sat on hold, visited branches, and just keep getting tossed around and told our case would be escalated the next day each and every time, however no correspondence is being done on their end only on ours.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please see attached complaint.