23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/21 I submitted a request for Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit card

I received a text message from Citibank " Free Msg Citi Fraud Dept : Card XXXX. We need to speak to you about your acct. Please call XXXX. Reply STOP to Opt-Out ''. This message came from the same number Citi has used to text me before, so I called. 

The first time I called, the representative verified my information and asked to call me back in 1-2 minutes. They called me back from a random number from Tennessee not associated with Citibank. I was unable to verify that number was from Citibank so I refused to continue. 

The second time I called the XXXX number, the representative asked me to tell them a code that was texted to me. The text read " Citi ID Code : XXXX XXXX XXXX XXXX XXXX XXXX  We'll NEVER call or text for this code. ". As the representative had called to ask for the code, I refused the code and refused to continue the call. 

Then, I called the number on the back of my card, resolved the fraud alert, and the representative confirmed that both of my prior calls were indeed to a valid Citibank line. I asked to escalate to a supervisor, as providing account details to a number not associated with Citibank directly contradicts their anti-fraud advice. Additionally, a Citi representative asking for a security code in a tex that clearly states they will NEVER call for the code directly contradicts their anti-fraud advice. 

The representative claimed to have escalated the case, but I was given no tracking number to ensure that the representatives prior were indeed acting in accordance to Citi policy or if I was a victim of fraud in some other way. 

I am concerned that Citi is failing to adequately control and monitor their anti-fraud procedures and the way in which those procedures are carried out by their support team. This results in me as a customer taking unnecessary risks with my sensitive account information.
Product: Credit card or prepaid card

I called on XX/XX/21 to get my late payment fee waived. When I spoke to the agent she said she's unable to do it. A previous agent I spoke to around XX/XX/XXXX said they do it once my balance is up to date. The late fee is {$40.00}
Product: Credit reporting or other personal consumer reports

I was utterly stunned and disheartened this morning when I discovered inaccurate accounts on my credit report. I regularly check my report, but today, there were discrepancies that appeared out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but no luckthe inaccuracies remained. I urgently need the documents Ive sent to be reviewed thoroughly so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These informations is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute XXXX XXXX again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Consumer Loan

Santander Consumer Financial USA had put me on a do not contact list of some sort while I was a cosigner on a vehicle that they held the loan for. For 4 months, I had received no word on any missed payments or any information at all about the vehicle loan. I was put on a do not contact list without my permission which resulted in me not being contacted about 4 missed payments.
Product: Mortgage

I received a letter dated XX/XX/XXXX from SunTrust bank, telling me that there was a lapse of XXXX day in my home insurance policy renewal and therefore I owed them {$13.00}. 
On XX/XX/XXXX, I spoke with a SunTrust representative name XXXX to explain that there was no lapse because : - XXXX ) I have the same XXXX insurance company, and - XXXX ) XXXX policy lapses at midnight XX/XX/XXXX an the renewal started at the same moment on XX/XX/XXXX at XXXX AM. 
XXXX told me that the original policy ended on XX/XX/XXXX and the renewal ( with a different number even though it was the same insurance company ) started on XX/XX/XXXX. 
I agreed to pay the {$13.00} to settle the matter. 
MY COMPLAINT IS AS FOLLOWS : - XXXX told me that an escrow will start to charge me to cover the cost of an insurance policy which will start on XX/XX/XXXX even though I have never had an escrow on my mortgage with SunTrust and have paid the mortgage, the insurance policy and and the taxes on time for the decade that I have had the mortgage with SunTrust. 
- She refused to generate a bill for the {$13.00} when I asked for it. 
- When I asked to talk to a supervisor who could settle the matter amicably, XXXX told me " I am the supervisor '' and refused to connect me with someone in authority. 
- SunTrust is being abusive by trying to generate a revenue stream when I have never given them a reason to doubt my creditworthiness or willing ness to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to Experian on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked Experian numerous times to send me the certified information to me so I can review it and the representative named XXXX at Experian, stated that I would have to subpoena that information if i wanted it. Experian has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. Experian is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and Experian. I need help from another agency now.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit Reporting Service continued to bill an expired credit card reported stolen to the Bank. The expired credit card was also listed as expired on the account services section. In addition, the address listed was an address from several years prior. 

The credit card expiration date and address listed should prevent Trans Union from Billing the card. 

Notifications were sent that the card was not able to be billed but they billed the card anyway, therefor I had no way of know they were billing an old expired card.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that Ocwen Loan Servicing L has conducted. I vehemently contest the assertion ( s ) made by Ocwen Loan Servicing L that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that Ocwen Loan Servicing L is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents Ocwen Loan Servicing L & XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a Ocwen Loan Servicing L has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. Ocwen Loan Servicing L and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX XXXX XXXX, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if Ocwen Loan Servicing L isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my XXXX  career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of Ocwen Loan Servicing L? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Monday XX/XX/year> I received an email from Chase bank. Someone had requested a chase XXXX XXXX  credit card using my personal information. A few months ago someone also requested a business line.of credit at Chase bank using my personal information. I did not inquire with Chase in any manner about opening any type of account.
Product: Debt collection

Portfolio Recovery keeps calling and calling all types of day and night so much I feel like I'm being harrassed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention regarding the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The companies have acknowledged these errors and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of these accounts after recognizing the inaccuracies. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. Based on information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe.
Product: Bank account or service

US Bank reorders transactions. I was expecting a bill payment to come out in the amount of XXXX dollars, and then I had a few other transactions in the pipeline. The transactions on Monday were in order the way they should have been. On Tuesday, the transactions were reordered from highest amount to lowest amount. Instead of getting XXXX overdraft fees, I got XXXX overdraft fees for all of the smallest amounts. There will be another overdraft fee pending even though my balance is positive which will bring it down in the negative again. And the worst part is I bet I will get a sustained overdraft fee to add to the pain. 

It 's impossible to budget and keep the balances straight when transactions are ordered incorrectly. When I have to pay a whole round of bills, I want things to hit the account in the order in which they were processed. No excuses about the merchant is waiting to collect funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, Equifax, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.