23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

As of last year, around XXXX, then the last two months and yesterday, I've been having serious problems with CitiBank. I have 5 CitiBank cards. However ; after today I contemplating on cancelling them. Since ; for a week I tried to access my rewards via email to no avail. My XXXX, email and computer would freeze up when I tried to print the reward check. I tried forwarding it ; printing it ; saving it ; and viewing it. Citibank 's extreme security paranoia is beyond my comprehension. The Business sense and customer service skills are replaced with their security paranoia. It also leads them to arrogance and abuse. My final call to Citi was yesterday from XXXX XXXX. The Costco manager wanted to talk to them, becasue they cancelled my rewards when I called them again Wednesday.. They sent me a replacement email, but NO REWARDS. When I showed Costco the first forwarded rewards ; they had been cancelled! And when I Called them at Costco because the manager wanted to speak to them they were not only uncooperative but threatening and abusive. Since ; by then they riled me up. Thus ; I was very ill this morning because it hurts me to get upset due to my broken sympathetic nervous system and cerebral hypoxia, leading to extreme gastritis. I wish I could cancel all my CitiBank cards, but I can't cancel the Costco card. After driving 120 to XXXX and XXXX XXXX and back to Costco, the rewards had been inactivated, unbeknownst to me! I've earned my rewards ; but could not claim them! Instead ; he displayed threats and abuse conduct!
Product: Debt collection

Under the Fair Debt Collections act I've tried several times, to get ( Mr. Cooper ( Debt Collector ), to validate this so called alleged debt, but they have refused and continue, to try and force me, to pay the debt. Under Title 15 USC 44 I have the right to request these documents. Cooperate Records, Booking of Account Records. Also under the fair debt collection act it is illegal for a debt collector to purchase a debt and come after you. 
9-102a 65 A promissory note is not a Repayable Instrument. Title 15 USC 1 All contracts are illegal. Under Title 12 USC 1431 Banks can not lend money, so where did the money/ loan come from. Under Title12 USC 83a The promissory Note was monetized. This loan was sold numerous times. Mr. Cooper ( Debt Collector ) is the fourth, to hold this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  / XXXX XXXX   XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. The information listed does not relate to any transaction ( s ) I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in the beginning XX/XX/XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Product: Money transfer, virtual currency, or money service

Zelle screwed me over authorizes {$400.00} out of. My XXXX  XXXX  account and I tried to get it back and they told me I had to contact them
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with XXXX, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be USA basedespecially for security. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ONLY responded with the info and history of the charge off. XXXX  DID NOT address the complaint and remove the Paid in Full charge from the credit report.
Product: Mortgage

I am an  XXXX   XXXX   XXXX   XXXX  senior citizen who is a surviving spouse of a  USA Veteran. Sho rtly after my husband passed away, I applied for a new mortgage on  XXXX   XXXX ,  XXXX , with  XXXX   XXXX   XXXX e  XXXX   XXXX   XXXX  At that time I did n't know that it was an " Interest Only Period Fixed Rate Note Loan #  XXXX . Shortly after that the loan was sold to  XXXX  and then to The   XXXX   XXXX   XXXX   XXXX ,  Loan #   XXXX . My niece "  XXXX   XXXX  who is my Attorney-in-Fact has been assiduously working on this Loan Modification since  XXXX   XXXX ,  XXXX  A counselor   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   of the  XXXX   XXXX  on  XXXX  informed us that it was a " Predatory Lending Mortgage ''. At our first foreclosure settlement conference on  XXXX   XXXX ,  XXXX , a court appointe d Lawyer ,  XXXX   XXXX  informed us once again, that is was a Predatory Note. At the Foreclos ure Prevention   Unit at t he  XXXX   XXXX  Court House,  XXXX   XXXX , an Attorney Fellow stated in in his email to us dated  XXXX , that he could now say that this Predatory Loan was not supposed to raise her monthly payment amount that increased it by over {$500.00} - a 25 % increase! We are not sure, but we think that these lenders  violated the Truth & Lending Act/TIILA and we may have grounds to file a Civil  Lawsuit. The most recent  Loan Servicing Company  that denied the last  Loan Modification was, Bayview Loan Sevicing, LLC. ( See Attached l etter dated  XXXX   XXXX ,  XXXX  ).
Product: Credit card or prepaid card

On XX/XX/2019 I paid off the full balance of my Capital One Credit Card. The balance was {$2600.00} and the account was ALWAYS paid on or before the due date. We are a XXXX  military family and it is a major accomplishment to pay them off. Anyway after paying the bill off entirely I get another bill for {$35.00}. This was amazing to me as I had had no activity on the card and expected a {$0.00} bill. So I called them directly and spoke to 2 customer service agents who refused to remove the charge citing additional interest charges. I told them to simply invoke a one time courtesy adjustment and they refused. Now I am refusing to pay it.
Product: Debt collection

THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Request for Debt Validation Dear THE BUREAUS INC I am writing to request validation of the debt referenced in your recent communication dated XX/XX/year>. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, including details such as the amount owed and the original creditor. 

Please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any agreement or contract that establishes my responsibility for this debt.

4. Verification that you are authorized to collect this debt on behalf of the original creditor.

Until I receive this information, I request that all collection activities cease, as required by law. Please send the requested documentation to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX filed a complaint with XXXX reguarding in correct late payments showing on my credit report with XXXX XXXX. Has of today there results are still pending almost 3 months later. Did talk to XXXX  that had no XXXX or customer service skills. He also made no effort to help on any way
Product: Debt collection

Chase Bank has reluctantly kept an identity theft account with outstanding balance still in my name from 2013. Despite working with their fraud department a year ago and providing the police reports to several departments that requested it. They failed to honor the police report and letter affidavit disputing the alleged debt as fraud and identity theft sent to them a year ago obviously Chase is still reporting the alleged debt as outstanding owed as I tried to open a bank account with one of their promotions yesterday. It popped up this information.
Product: Debt collection

I received a call from a debt collector in late XXXX XX/XX/2021 stating that I owed them money. I requested a validation letter be sent via mail. I have not received a letter as of today XX/XX/2021. Today, XX/XX/2021 I was notified by XXXX  that there was a new collection account negatively marking my credit. I called the debt collector and spoke to XXXX, to ask about the credit reporting and that I had not received a validation letter as of today, she replied and said maam you know you owe this money and it is against the law to send another validation letter. I explained that I have not received anything regarding a debt from them. She then told me that she COULD send me a validation letter IF I set up a payment plan with her. I asked for her supervisor, who did not answer in which I left a message for XXXX XXXX XXXX today XX/XX/2021 at or around XXXX.
Product: Money transfer, virtual currency, or money service

Zelle handling of my disputes expresses concern for me particularly light in the recent CFPB Lawsuit showing issues with the platform. I have used Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to accommodate my concerns They told me that recovering lost funds was impossible and they could not track these transactions The CFPB findings indicate that Zelle was negligent in protecting customers and had provided repeat offenders to exploit the system leaving users vulnerable to scams The lack of accountability and transparency is unacceptable and raises serious concerns about the safety of my account and other consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letters to Transunion recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXXXXXX Date OpenedXXXX Balance : XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I have no information on them, and the company acted without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to the credit bureaus XXXX, XXXX and equifax demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was opened fraudulently : XXXX XXXX {$1200.00} XXXX XXXX- {$1000.00} XXXX  XXXX- {$690.00} XXXX XXXX {$610.00} I have never filed Bankruptcy and it's reporting on XXXX/Equifax that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to login my credit report on XXXX  with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within three days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXXXXXX XXXX  XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX XXXX -- -- HARD INQUIRY on my credit report XXXX XXXX Bank -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXX XXXX soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXX. XXXX XXXX XXXX -- -DENIAL LETTER XXXX. XXXX XXXX  -- -DENIAL LETTER I tried disputing all these inquiries through Trans Union XXXX XXXX and XXXX XXXX XXXX XXXX and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) Experian XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXXbut the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to Experian requesting their method of verification for a bankruptcy theyre reporting on my credit report. Experian refused to respond to my request instead they updated the bankruptcy in question as being verified. Again i asked how do they verified.. I spoke to numerous representatives and request that they respond to me by mail or tell me how did they verified the bankruptcy. Each representatives told me they would send me a letter in the mail. I have yet to receive a letter. On XX/XX/XXXX Experian received another ceritified letter requesting their method of verification.. On XX/XX/XXXX, I received an alert on my experian credit report that a dispute was completed. Again i did not dispute anything, i simply requested that they provide me their method of verification for a bankruptcy theyre reporting. On my credit report the dispute results said that they reinvestigated the bankruptcy and that its correct. Experian once again is not responding to my request. I request the furnisher of such bankruptcy. Who provided Experian with the bankruptcy record on my credit report. Please help me. I have rights as a consumer to know who provided Experian with the bankruptcy that theyre reporting. I requested in a certified letter which was delivered and Experian is failing to repond to my request. If Experian can't provide me with the information that I need, how to I know that accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I am a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. Im writing to dispute certain information in my file resulting from the crime. I have circled the items Im disputing on the attached copy of the report I received. Again the items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
The items are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed to correct the information.

ATTACHED are copies of the Police Report, FTC Report and documents to prove my Identity supporting my position. Please reinvestigate these mattters and delete the disputed items as soon as possible.

Additionally Equifax has TWO ( 2 ) public records reporting on my file that arent verified. I have personally contacted the UNITED STATES BANKRUPTCY COURT OF NORTHERN DISTRICT OF GEORGIA via US Postal service in regards to BOTH unverified public records and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. ) Secondly Ive contacted XXXX XXXX whom shows NO bankruptcys on my credit report. I have attached the official responses received from each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Sincerely, XXXX XXXX XXXX : * Fraud Complaint with the Federal Trade Commission - # XXXX * Police Report - # XXXX * Bankruptcy Court Document * XXXX XXXX XXXX stating removal of unverified XXXX * Copy of Credit Report * Proof of Identity - Social Security Card / Drivers license * Proof of Identity - Bank statement showing current address * FCRA 611, 15 U.S.C. 1681i