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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX,. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the last month they have contacting myself and for my husband account only on my phone number, I have never avoided calls and working with them and my HRA to send them money on past debt not paid through insurance. I have talked to them 4-5 times in XX/XX/2019 along and working nicely with them and they receiving payments from either myself and/or HRA. As of XX/XX/2019 we have determined the balance left will not be paid by HRA so I paid in full early afternoon prior to XXXX, which the money was immediately taken from my bank account. Now today XX/XX/2019 at XXXX. est. time i receive a call from them for my husband account saying i owe XXXX, i said please look at notes paid in full prior, she said no and only notes were from XX/XX/2019 i said please look again it has came out of bank account she said oh yes i see that. This is not acceptable, one i have not avoided calls and over XXXX you have an automatic dialer call on accounts that have been paid in full. I understand there maybe a delay from when system updates however the system should update more often then this. The account should have been set out not to call today at XXXX. when payment for full paid prior to XXXX. day before.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The collection account XXXX XXXX XXXX XXXX  does not belong to me. I have never done business with named business. I have asked them to stop contacting on over XXXX times as I didn't do business with them. I have asked for proof and a wet signature showing that I had/have a contract with XXXX XXXX XXXX XXXXt and as of today no one can provide proof as requested.

The law clearly states that under 15 USC 1681i ( 7 ) description of reinvestigation, provide proof that I did business with XXXX XXXX XXXX XXXX They clearly can not provide as I did not have a written contract with them not anyone else. XXXX XXXX XXXX XXXX XXXX account # XXXX I file a complaint months ago asking for this to be removed and they keep saying its been verified, how? as I do not nor have I ever had an account with XXXX XXXX XXXX XXXX
Product: Mortgage

On or about XX/XX/XXXX, I called Citi-Mortgage and inquired  about setting up bi-monthly payment. Their representative said that everything was taken care of, and I could submit bi-monthly payments whenever. I submitted my first payment on XX/XX/XXXX and the second payment on or about XX/XX/XXXX.

Citi did not apply the XX/XX/XXXX payment to the XX/XX/XXXX payment. They instead applied the payment to principle. For the next 8 months, the payments were out of sequence, with the mid-month payment finishing payment for the current month instead of becoming the first payment of the following month. They never sent me a late payment notification, so I had no idea this error was occurring. Once I found out about their error, they refused to fix their mistake. 

In XX/XX/XXXX, they sold my mortgage account to another company. The payments were still out of sequence. The new mortgage company required me to pay both of my bi-monthly payments for XX/XX/XXXX so that I was current. Paying on XX/XX/XXXX would generate late fees. Because Citi never fixed the problem, I had to pay an additional half of my mortgage payment in the same month, making three 1/2 payments to keep avoid late payment and fees. 

Citi lied to me me about being able to make bi-monthly payments beginning in XX/XX/XXXX. 

Citi never informed me that the XX/XX/XXXX payment went to principle. 

Citi refused to fix the issue with the payments I made in good faith.
Citi then sold my account to another company before fixing the issue.
Citi denies that I ever contacted them in XX/XX/XXXX about setting up payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, THE XXXX  XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE. THE CHARGES ARE FRAUDULENT, THE ACCOUNT WAS OPENED MAINTAINED AND CLOSED WITHOUT MY CONSENT.
Product: Payday loan, title loan, personal loan, or advance loan

Today, Friday, XXXX XXXX, 2023 at XXXX ; I received a phone call from a number I did not recognize. I let the call go to voicemail. The voicemail was from someone who identified themselves as " XXXX ''. She never stated what company she was with or really what it was regarding. All she said was that she needed to confirm some information I provided. After XXXX both numbers ( the one on my caller ID and the one provided in the voicemail ), I determined the call was from Fine Day Funds. I reviewed the online complaints on XXXX  website. It appears this company provides loans at 500 % interest and use questionable practices. They have complaints regarding overcharging people ( taking additional payments after the loan has been paid off ), depositing funds after people decline the loan, getting people to provide online banking information by telling them it is needed to deposit their funds they have been approved for, then telling them they have been denied after they have provided the information. I have never heard of this company until I received this call. I have never provided them with any information about myself. I do not know how they got my name and number, but they refused to remove any information associated with me from their system unless I called their number. I would like to report them for illegally gaining my information and refusing to honor my request to remove me from their system and stop calling me.
Product: Credit reporting or other personal consumer reports

Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit reports maintained by Experian , TransUnion , and Equifax . The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and rectify errors promptly. 

XXXX XXXX XXXX Inconsistencies Identified : XXXX. **Account Status** : - All three bureaus report the account status as **Open**, while my records indicate this account should be **Closed**. 

2. **Payment Status** : - TransUnion indicates a **payment status** of **60 days past due**, whereas Experian states it is **30 days past due**. This discrepancy violates FCRA 607, which mandates maximum accuracy in reporting.

3. **Balance Reporting** : - The balance reported as XXXX XXXX XXXX by all agencies is inconsistent with the payment history and overall account management. This is unacceptable under FCRA requirements for accuracy. 

XXXX. **Last Reported Dates** : - The **last reported dates** are inconsistent across the bureaus, further complicating the accuracy of my credit profile. 

Furthermore, I am aware of the recent data breach that affected these credit reporting agencies, compromising sensitive consumer information. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach raises significant concerns regarding the integrity of the information being reported. 

Given these violations, I demand that XXXX XXXX XXXX be removed from my credit report immediately. If these inaccuracies are not corrected within the legally mandated time frame, I will pursue further legal actions, including seeking damages for the harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to this.
Product: Credit card

I received an offer to sign up for Chase 's XXXX XXXX XXXX and receive XXXX XXXX when I get approved and spend {$3000.00} within 3 months. I signed up, saw it only was for XXXX, and called Chase if they will honor the XXXX Miles sign-up bonus, otherwise I will cancel the card as I can just sign-up again. The agent said they will seek approval for the XXXX sign-up bonus upon completing {$3000.00} in spend - I waited XXXX minutes, then the agent said yes he got approval and that I just needed to call back and refer this call 's notes that he left when I received the XXXX miles and they will add the XXXX points. 

I met the signup bonus requirements, received the XXXX miles, and called back for the XXXX. The agent then said they saw the note and that I met the requirements, and said they will escalate it to get processed. 

I waited patiently for more than a month knowing it XXXX take several statement cycles to appear. It never showed. I called back and the supervisor said it was denied but that she ( XXXX XXXX saw that I met all the requirements and it seemed whoever it was escalated to misunderstood. So she resubmitted escalation with clarification. 

I waited again and followed-up, and was told that they denied it again. The supervisor said they will not honor it, that the agent told me wrong information, and that they won't do anything more and there's nothing that they will do about it, that they aren't responsible for misinformation given, and hanged up on me. 

I fulfilled my end was patient, they said they would do their end and that it was already approved, and now are saying they won't honor it and that it doesn't matter what I was told previously.
Product: Money transfer, virtual currency, or money service

In XX/XX/2020, I was scammed by a person online to wire money from my Chase checking account to a XXXX XXXX account in New York, the amount is {$25000.00}. The scammer begged to borrow money for business and promised to repay in a few days but never did. The scammer then disappeared. I reported to XXXX XXXX Police Department and XXXX in XX/XX/2020. 

After looking up the receiving bank account information, I saw that it's a transferring bank to XXXX. This raised an alarm of money laundering and bank fraud, scam. I contacted my bank Chase to ask them to track where my money ended up with. After knowing the bank account and company of the ultimate end, hopefully I could give more information to police for their investigation. However, Chase never directed me to the right department nor the right person to solve my questions. I contacted XXXX XXXX ( receiving bank ) for the same request, and still have the same helpless attitude and endless phone transfers to different departments but none of them could give any meaningful assistance. 

It has been more than a year since I was scammed but I have received limited assistance from my bank in helping track the scammed wire. They always give excuses that bank accounts for fraud and scam will be inactive right after the scam. As if it's helpless to go to know where my money ended with. 

I explained to Chase what happened and that I have police report case number and other reports to prove that my case is real and that I am a victim. I have legitimate right to get helps from Chase. However, Chase ( phone reps and bankers ) said they don't need the case number. They acted like this is none of their problems even though I am their customer!
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up regarding incorrect information on my credit report that I have unsuccessfully tried to correct through multiple attempts with the credit reporting agencies. I have attached documentation of all my attempts to resolve these issues, including correspondence with the credit bureaus and responses received. Despite providing sufficient evidence that the information is incorrect, the credit bureaus have not made the necessary corrections. I request for your assistance in resolving these matters promptly and ensuring that my credit report is accurate. With this, I am asking for your assistance to correct the late open accounts and remove the public record in my credit file : XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX. XXXX  XXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was made by XXXX XXXX XXXX on XX/XX/2016. I do not recognize this inquiry and it should have been removed from my Experian consumer report because it is over 2 years. I contacted the inquirer but they have not remove the inquiry from my consumer file yet.
Product: Debt collection

Kehoe Financial Group XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Debt Notification of a Traffic Violation in the Municipality of XXXX, XXXX XX/XX/XXXX dated XX/XX/XXXX. This notification is 1447 days from the traffic code violation. I was not notified by the car rental company of this debt. I believe that notification of a traffic violation for a non-citizen of XXXX must be made within 560 days. I have called the company 3 times with no return phone call in person XX/XX/XXXX and 2 times on XX/XX/XXXX. I have no breakdown of the debt calculation owed {$500.00} I was not driving the car, another authorized driver was driving.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. There is a standing cease and desist order with XXXX XXXX, and no updated information should be reported on this closed, charged-off account. It is to be deleted from my report. 15 USC 1681b permissible purpose. No written instructions have been provided by consumer. Per 18 USC 1028A, XXXX, Experian and XXXX XXXX are committing Aggravated Identity Theft against consumer. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Experian has 15 days to investigate and remove this account. Please be advised that if you send me a computer generated letter, stating that you have ceased investigation of my credit reports because in your opinion, you believe I have used a third-party credit repair agency, you will be in blatant violation of the FCRA. This stall tactic on your part to grant you an additional 30 days to comply with my original request, will result in a lawsuit with your company. This is your only warning. ''
Product: Checking or savings account

I opened the Smartly Checking account with a special bonus offer of {$450.00} with some direct deposit. As I remember, it was total {$8000.00} direct deposit within 90 days to get {$450.00} bonus. So I fulfilled all requirement but have not received any bonus over a couple months after completing all requirement. 

I contacted US Bank two times and they agreed with me and filed the case. However, I have not received any report. 

I hope this case is resolved as soon as possible. Thank you~!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following reported accounts has violated my rights : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 ( a ), states I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have provided XXXX all the information needed to be blocked on my credit report and have failed to do so. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX account # 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: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, so be it, and ; XXXX. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; XXXX. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; XXXX. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time. 

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.
Product: Debt collection

MONTEREY COLLECTION SXXXX is now " Parking '' or " Re-aging '' a debt that is not mine ( POLICE REPORT ATTACHED ) and they have a copy. I filed a complaint with CFPB in XXXX about this particular debt so they are well aware of what they are doing. The debt was deleted from XXXX and XXXX XXXX when they received the police report. However, XXXX did NOT honor the resolution. XXXX has allowed Monterey to add this debt AGAIN lowering my score. 
Secondly, XXXX has not sent the document in which they said the debt was verified to me. Last but not least, Monterey added a note to my account about referring this debt to the federal government but shortly afterwards, it has been removed and replaced it with " meets FCRA requirements, '' by XXXX. Needless to say, Monterey has begun calling, leaving text messages, and voicemails everyday since XX/XX/XXXX ( attached to this complaint ). They prey on people who they believe will not fight back! 
On a different note, Monterey is required to report any " Cancellation of Debt '' to the IRS and the debtor on a Form 1099-C, " which obviously they have not done because they are to busy still trying to collect. 
I am filing this complaint because I believe they are in direct violation of the following : 15 USC 1692g ( Validation of Debts ) 15 USC 1692k ( Civil Liability ) 15 USC 1692 ( a )