23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Debt collection

I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called XXXX. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt.
Product: Bank account or service

I have been applying for bank accounts and have been denied. 
XXXX and Bank of America are XXXX bank accounts that Ive had in XX/XX/XXXXboth accounts have been involuntarily accessed and deposits andwithdraws have been done on this account, each transaction wasTELLER TRANSACTIONS. 
When I first noticed it with the XXXX account I immediately brought it XXXX ( XXXX branch Acct. Manager ) she closed the accountand handled the issue for me. 
Months later it came to my attention that the same activities occurredwith my Bank of America account. On numerous occasions I madecontact to resolve this issue. PLEASE HELP ME! PLEASE XXXX AT BANK 'S AND TELLERS THAT PROCESSED THESEFRADUALENT ACTIVITIES & gt ;
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had my my personal information stolen a few years back and accounts are in my name that I did authorize or was aware of of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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. 

- I did not give any written instructions to furnish an account to any consumer reporting agency. 

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX Account # XXXX 2 ) XXXX XXXX XXXXXXXX XXXX Account # XXXX 3  ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) Dept of ED/Aidvantage Account # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX Account XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXX XXXX Account XXXX XXXX 11 ) XXXXXXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX Account # XXXX 13 ) XXXX XXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX & XXXX XXXX Account # XXXX 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.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the
processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXXXXXX Charge-off {$1000.00}
Product: Mortgage

I have an open complaint pending with Selene Finance LP. Reference to application for loan modification due to hardship. 

I was verbally informed by Selene Finance Representative my modification was approved and I was very upset because the results of my trial payment was much higher than my loan payment, if I had temporary problems paying my mortgage with {$700.00} less than my approved modification and higher interest rate didnt make any sense
Product: Debt collection

I try to get information about the contract of the debt and I never got the information
Product: Credit reporting

Equifax continues to report that I have a tax lien from the State of XXXX and although they say it has been removed, it continues to remain on the report It is in the amount of XXXX and was inaccurately posted when I lived in XXXX, XXXX and had to prove XXXX residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.
Product: Bank account or service

I opened a CitiGold checking account online in XXXX of XXXX. At this time I was already a Citibank customer with an credit card account that earns their 'XXXX Points '. The checking account was opened using a promotional offer that Citi had, which provided a bonus XXXX Points ( worth approximately {$500.00} ) once the following conditions were met : that I make XXXX bill payments in XXXX separate months within 2 months of opening the account. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told in accordance with the promotional terms that the bonus points will post within XXXX statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that correlated to that eligibility. This is very unfortunate in that in the seven months this account has been open, numerous Citi reps have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after they have collected fees for 90 days of waiting, did Citi decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? I understand that Citibank reserves the right to 'target ' specific customers for promotional offers, however, the onus is then also on them screen applicants who apply for their eligibility for said offers. Instead, I was able to open an account under this promotion, and then falsely told multiple times that I would receive a bonus which is now not being honored. Therefore, I find this practice to be very deceptive and would like to file a complaint.
Product: Checking or savings account

Discover froze my bank accounts and is holding my money ( and many other customers ' money ), based on " unusual activity '', and I can not connect with anyone at Discover to unfreeze my accounts ( it's been over 22 days as of this complaint ). 

I opened new bank accounts on XX/XX/XXXX, and deposited money ( over $ XXXX ) in them on XX/XX/XXXX. I was notified by Discover on XX/XX/XXXX ( via email and via a voicemail ) that my accounts had been frozen due to " unusual activity '', and that I needed to call XXXX to speak with a bank security specialist. Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen. 

I called Discover back on XX/XX/XXXX and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are XXXX XXXX, and that they were not available to help me, and that I would need to call back during those hours ; Discover advertises 24/7 customer support. 

I've placed over 50 calls in the past 22 days. I have spoken to a number of Discover customer service professionals, but they can not unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue. Furthermore, they do not have a single human at this point who can tell me what my account balances are I've tried to get help via XXXX, XXXX and XXXX, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all. See threads on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan was previously serviced by XXXX. They fraudulently assessed fees on to our account and did not apply payments to our account. We went to court about all of this and the fees were removed but the credit report was never updated. In XXXX of XXXX, XXXX took over the loan. At the time they took over the loan XXXX XXXX showed the account was 2 months behind. So every payment they received from us, they would apply to the previous month because their records showed we were behind. The account was not 2 months behind. They never applied our XX/XX/XXXX and XX/XX/XXXX payment to the account. We have been trying to refinance our mortgage and take cash out to remodel our 2nd floor. We have been trying since XX/XX/XXXX. Every mortgage company that says they can help us, ends up not being able to proceed because of all the late marks on my credit report. On XX/XX/XXXX, I had a conversation with a supervisor from XXXX who did in fact confirm she sees all the fees assessed to the account and then months later they were removed because we took them to court. The supervisor explained to me that they were only responsible for the loan from XX/XX/XXXX through the present. She said if I submitted paperwork showing that the payments were on time they should be able to correct the late marks on their end. She sent me the full mortgage history document and I went through and compared all the payments with the mortgage history. The XX/XX/XXXX and XX/XX/XXXX payments were never applied to the account as a regular payment which is what made the account 2 months behind. I provided XXXX with copies of my bank statement showing the payments were in fact deducted. I submitted an online dispute with all 3 credit bureaus and submitted the information for their review. Not to mention the credit reports are not even up to date. They only show payments through XXXX of XXXX. I need the report updated through XX/XX/XXXX so that my account can reflect 12 months of on time payments and I can refinance and get away from this nightmare. No one will help me. I don't know what else I can do to get this updated or to get the late marks removed from the credit report.
Product: Debt collection

I have received numerous phone calls from Affiliated Asset Solutions. I do not know what this is in regards to. They have called me four times from these numbers XXXX, The dates were XX/XX/19,XX/XX/19,XX/XX/19,XX/XX/19. The one on XX/XX/19 was while I was visiting my cardiologist. All these numbers come on my cell phone and when the phone rings it says spam risk so I don't answer. When I check the numbers out in my phone data base that's when it reveals that it is a spam/fraud/high risk. All these calls have come after the new law in the state of Texas went into affect on XX/XX/2019 stating that these types of calls are totally illegal and if caught its {$1000.00} fine per call. Affiliated Asset Solutions is a debt collector.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX   To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report.
Product: Debt collection

I paid CheckintoCash directly the debt was removed from my credit report and recently put back on the credit reports as unpaid the debt was paid in 2019.
Product: Mortgage

I WAS SCREWED OVER BY XXXX IN XX/XX/2019 WHEN MY MORTGAGE WAS TRANSFERRED OVER TO THESE XXXX. DURING THE TRANSFER I WAS TO START MY FIRST MODIFICATION PAYMENT EXCEPT THEY CANCELLED THE MODIFICATION IN XX/XX/2019 BECAUSE NO PAYMENT WASE RECEIVED. DURING A MODIFICATION THE HOLDER HAS 30 DAYS TO MAKE THE PAYMENT. WITH THAT SAID IT TOOK PHH 8 MONTHS TO APPROVE ME ONCE AGAIN FOR A MODIFICATION. 

I WAS APPROVED IN XX/XX/2019 ACCEPTED IN XX/XX/2019 AND FIRST PAYMENT TO START IN XX/XX/2019. I MADE 3 PAYMENTS XXXX, XXXX AND XXXX ON TIME, MAILED THEM IN WITH MY APPROVED TERMS EACH TIME. MY FIRST PAYMENT WAS APPLIED AND PHH TOOK MONEY THAT WAS SITTING IN SUSPENSE TO INCREASE THE PAYMENT. MY NEXT PAYMENT IN XXXX WAS PLACED IN SUSPENSE AND NEVER APPLIED TO THE MORTGAGE. MY THIRD PAYMENT IN XXXX WAS SHREDDED AND RETURNED TO ME STATING IT WAS NOT ENOUGH TO COVER WHAT WAS DUE. I SENT IN THE SAME AMOUNT EACH MONTH ALONG WITH WHAT PHH APPROVED ME FOR.

PHH IS A BUNCH OF XXXXXXXXXXXXXXXX  THAT HAVE INCOMPETENT PEOPLE THAT CAN'T OPEN AN ENVELOPE LOOK AT THE PAYMENT ALONG WITH A COPY OF THE APPROVAL AND APPLY THIS TO MY MODIFICATION. NOW TODAY A YEAR LATER PHH CANCELLED ME AGAIN NOT MY FAULT BUT THE FAULT OF PHH XXXX AND LEFT ME ONCE AGAIN WITHOUT A MODIFICATION. 

THEY DONT GIVE A XXXX  ABOUT RUINING THE LIVES OF AMERICANS AND MAKING YOU LOOK LIKE XXXX  IN FRONT OF THE INVESTORS. BE PREPARED FOR A XXXX  OF COMPLAINTS BECAUSE I AM 1,000 % TANKED AND CALLING YOUR CALL CENTER WILL NOT HELP. AGAIN MORE XXXX IN XXXX THAT CANT HELP AND IT TAKES HOURS TO SPEAK TO SOMEONE IN THE GOOD OLD USA OF AMERICA XXXX YOU WILL BE SORRY YOU XXXX ME OVER ONCE AGAIN
Product: Credit reporting or other personal consumer reports

I have attempted to login to their website since they submitted their response, and I still can't login. I chatted with an agent ( XXXX XXXX XXXX, and she didn't even bother to ask me for my name. She just said that they were still working on getting it corrected. I advised her that her company provided a response to the CFPB on XX/XX/XXXX and indicated that the issue had been corrected and she asked me if there was anything else that she could assist me with. I advised her that I was going to file another complaint and she didn't respond. She just responded and advised me to send an email to XXXX and include my name, address, last XXXX of XXXX and a brief description of the file you are sending. I called the phone number in their response on XX/XX/XXXX ( XXXX ) and spoke with XXXX. She is asking me to try to reset my password to see if that will resolve the issue. I was able to login, but I received the same error message, and it would not allow me to lift the credit freeze. I received the following error message " Sorry, we're having trouble showing the status of your credit freeze right now ''. I just tried to login again today and I received the same error message. I do not have these issues with the other repositories, and this is extremely frustrating because I can't access my credit freeze.
Product: Debt collection

I have been disputing this debt for almost a year. I have been a victim of identity theft. I have sent in FCA Affidavit, Affidavit with a notary, police report, and dispute letters. The debt was removed at one point, however it was applied back to my credit report. It prevents me from being qualified for a lot of necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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

My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, XXXX XXXX incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.