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

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

My refinance was completed XX/XX/XXXX. My Lender is XXXX XXXX XXXX XXXX California ( c the mortgage company handling my mortgage is Dovenmuehle Mortgage XXXX Inc.. My first payment I made was XX/XX/XXXX. I have been experiencing several issues with the Credit Union ... and Dovenmuehle, as I try to make principle payments. I called CUSC on XX/XX/XXXX, to set up auto pay. After experiencing months of issues with auto pay, I had to manually pay my mortgage and principle. I was locked out of my mortgage online payment in XXXX and XXXX, because it showed I paid my mortgage, and I had not paid. On XX/XX/XXXX, I contacted CSUC when I couldn't make my payment, and a Dovenmuehle representative helped me. The Rep. also, told me she put a note on my payment with the amount for the principle. 
XX/XX/XXXX I called again XXXX to get help to make my payment. Again, I was transferred to Dovenmuehle and had to deal with a reprentative for 1 hour and she was not helpful. She refused to pass me on to a manager. Eventually, she passed me to a mortgage representative who said he completed the transaction. The representative also said, he was sending me a receipt for the transaction. Which I never received. XX/XX/XXXX, I recieved 4 confusing notifications from XXXX. One said, I owed my regular mortgage for XXXX, another said, I owed {$2700.00}, and another said I owed my XXXX mortgage payment? I was very confused!! I looked at my account and found my XXXX mortgage was still in my checking account. I contacted XXXX asked to speak with a manager and I was passed onto a customer service supervisor, who transferred me back to Dovenmuehle. This time I spoke with XXXX who is the manager and he reassured me that he would complete the transaction including add my additional principle. I trusted XXXX because he is the manager and he waived my late fee. XX/XX/XXXX I received a dedelinquent notice from XXXX. I was very upset, and contacted XXXX, who ressured me he completed my mortgage payment, but forgot to complete the principle. 
I believe I have been so patient ... and I honestly I no long trust this mortgage company. I paid {$3000.00} in fees during my closing cost. I would like to get help with getting a portion back, so I can find another mortgage lender. Please provide me with feedback. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

I mailed Portfolio Recovery a certified letter in XXXX asking them to verify the debt they stated is owed. They sent letter stating the have the file electronic. I sent another letter asking them to verify the debt in XXXX and I have gotten no response. However they are still reporting the unverified debt on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a credit inquiry from XXXX XXXX  appeared on all 3 of my credit reports from XXXX, XXXX, and TransUnion. I was able to contact XXXX, XXXX, and XXXX to stop the credit application and remove the credit inquiry from my report. TransUnion requires a written letter and FTC report to remove the fraudulent credit inquiry from XXXX on XX/XX/XXXX.
Product: Credit reporting

i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is XXXX and XXXX and me and my lawyer is thinking of filing a lawsuit for XXXX due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
Product: Debt collection

Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/XXXX and spoke to one of their management team XXXX XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!! 

Instead of ACTUALLY investigating this on XX/XX/XXXX MIDLAND FUNDING LLC responded to my complaint made via the CFPB portal stating that they could not locate an account for me. HAD THEY ACTUALLY read my complaint and investigated my complaint they would have found that the account that was fraudulently opened was done so UTILIZING MY SOCIAL SECURITY NUMBER WITH A DIFFERENT NAME that is NOT ME. MY CONCERN IS THE FACT THAT MY SOCIAL SECURITY NUMBER IS BEING TOED TO A DIFFERENT NAME THAT AGAIN IS NOT ME THEREFORE OF COURSE YOU WOULD HAVE NO ACCOUNT MATCHING MY NAME BECAUSE I NEVER OPENED ANY ACCOUNT AT ALL!! However, this debt is being reported on MY CREDIT REPORT UNDER A DIFFERENT NAME, THAT AGAIN IS NOT ME!! This is my 2nd COMPLAINT TO THE CFPB I WAMT THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS AS THIS DEBT DOES NOT BELONG TO ME.
Product: Debt collection

XXXX XXXX services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing.

debt is alleged until proven 15 USC 1691.

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported. 
Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Payments that were marked late by your company for the following accounts : XXXX XXXXXXXX XXXX Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I requested a consumer disclosure report from LexisNexis. I then received a letter from LexisNexis with a code that I should utilize when trying to retrieve my consumer disclosure report which will expire in 30 days. After several attempts not being able to log in. I reached out to LexisNexis regarding this with no response! Are they refusing to provide the necessary information to retrieve my report. Also it has come to my attention that LexisNexis automatically sells your information to XXXX, XXXX AND XXXX. How is this possible without my permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX  again by CHKR and now my ability to do contracting work is also affected. I will open a formal dispute with CHKR as well but the description is the same.

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''
Product: Checking or savings account

For approximately 3 months XXXX Financial Services has restricted two of my accounts. My wife and I have two XXXX XXXX, one in which we XXXX XXXX XXXX, XXXX XXXX XXXX under XXXX XXXX and the other in which we XXXX  XXXX XXXX under XXXX XXXX XXXX Square has restricted both accounts and has virtually infringed upon our constitutional rights to life liberty and the pursuit of happiness. I have reached out numerous times to their customer service department with no success. I have tried to escalate to management but they will not put a manager on the phone. They keep asking for supporting information and when I submit that information many times their system will not upload it. When I provide the information to a representative they fail to update their system. Furthermore they confuse the two businesses ; they ask for COA information for XXXX XXXX and we do not XXXX XXXX XXXX  through XXXX XXXX. When I provide the COA and other information they request, it never seems to be enough. They always want more. They have our funds frozen and we can not do business. We need the merchant account to do our financial processing but we just can't seem to get to the right person who will accept responsibility and solve our problems. Can you help us?
Product: Credit card

XXXX XXXX is doubling billing me. I called their customer service and was told by whoever answered the phone, I couldnt understand him, that they were not and he said they couldnt help me and refused to let me talk to anyone else. I contacted Chase and they are telling me that he company that is defrauding me will have to stop the auto pay. I pay the bill but they control what is charged to my account and I have to pay it!!
Product: Checking or savings account

Two separate issues I have that need to be addressed. First, I signed up for the checking account with the stated bonus of XXXX XXXX XXXX miles after completing 2 Enhanced Direct Deposits combined of at least {$1000.00} and spending {$1000.00} on my debit card. The terms attached state that I have 90 days to complete the terms from account opening but then when all terms have been met the bonus will be deposited to my AA account within 30 calendar days from meeting the terms. I spoke with the chat team on two separate occasions which confirmed that I met the terms, and I should see the miles within the end of the week of XX/XX/XXXX. I completed all terms on XX/XX/2023, and the miles should have been deposited by XX/XX/XXXX. They did not appear by XX/XX/XXXX, which was quoted to me by two agents, so I called in. This time I was told it is 90 days + 30 which is not what the terms I have attached say at all. Citi is breaking their own agreement with me. 

Now the second issue has popped up right after I called in to complain about Citi not honoring the terms of the agreement we had about the miles. Now my account access is blocked, and I can not get into my account. Not one email or phone call from Citi to let me know anything was going on. I only found out about this because I had made a payment out of the account on XX/XX/XXXX that I was contacted by the merchant telling me it was refused, and I needed to make arrangements with them to cover the balance. So, I contacted Citi by phone on XX/XX/XXXX and was put into a conference call with the fraud department with an agent named XXXX. She only asked for my phone number on file which I gave, and she said they could not verify my account through that phone number and that she has no other options to verify me and then proceeded to hang up on me. Terrible customer service and now I am locked out of my account with no recourse. If they are not honoring the payments I have coming out of my account, I have a balance of {$1000.00} they are holding hostage. I have companies that are contacting me now to make good on payments that I have adequate funds for in this account and I am afraid if this isn't resolved I will be sent to collections when this wasn't my fault to begin with. On top of that, the terms for the checking bonus state that my account must remain in good standing to receive these miles and feel this is a way for Citi to try and have claim to deny what I have rightfully earned.
Product: Checking or savings account

Bank of America was contacted on/about XX/XX/XXXX regarding an international transfer in the amount of {$6900.00} that should not have been processed ( due to potential fraud ). This was processed from XXXX XXXX XXXX XXXXXXXX acct ending in XXXX. The representative advised that the transfer was not completed, and my funds should be returned within 3-5 business days. Once that time elapsed, I called back to the bank on/about XX/XX/XXXX ( XXXX ) with continued extensive hold times and was told since it was international that it could take up to 10 business days for the money to be returned back to my account. As of today, my funds are not returned. I would like the calls reviewed from XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I received a money payment deposit through my Venmo account for a pending purchase from a woman, who I later found out was the mother of a minor male customer who attempted to make a purchase with me. I do not sell to minors and was unable to reject the funds or return the funds once received from Venmo back to the customer through venmo. After serveral attempts to contact Venmo to get help, I transferred the money to my bank and after 2 days funds were available for me to withdraw, which I did in the form of a cashier 's check made out to the woman who sent the payment. After conversing with the minor customer and finally the mother who sent me the funds, I notified them the funds were being returned as promised directly into the bank account they provided me, an outside institution. On the same day that the deposit was made and the funds were available in the customers account, the woman who send me the deposit funds made a complaint to Venmo for refund through Venmo. Venmo sent me a notification that the transfer was in dispute at which time I immediately submitted a copy of the deposit receipt and the front side of the cashier 's check showing the refund was already sent and complete to the customers mother. Venmo the next day declined my evidence and refunded the customer and debited my account a negative balance for the same. Over the next XXXX weeks I made numerous chats with their company reps, requested appeal of the return as they directed me to and submitted the same proof documents via email to their payment support team. After a month the issue has not resolved and Venmo has not responded to my numerous requests for update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX