23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a new XXXX Checking account and submitted >XXXX transfer. 
The account is opened with an active offer that includes {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance >XXXX for more than 60 days in order to earn this bonus. 

This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020, XXXX XXXX  to me Hello, XXXX XXXX, The promotion was successfully attached to your new XXXX account. Thank you again for your patience. 

My apologies for my delayed responses to your emails. Tomorrow I will be out of office, I return Thursday. 

Best Regards, XXXX XXXX Personal Banker Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Debt collection

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX, PA XXXX. I 'm am now a retired XXXX and have an XXXX from a well known XXXX school. I now spend considerable time helping people, FOR FREE, that are referred to me by my pastor or one of the deacons in my church. One such referral was a widow who, together with her husband, took out a line-of-credit loan on their home for the purpose of building a handicapped-accessible bathroom for her husband who, by then, had become wheelchair bound. They borrowed the money from Wells Fargo Bank and were strong-armed into taking out " life insurance '' on the loan. What the bank did was far more egregious than the auto insurance scam everybody is so excited about today. It 's worth looking into - someone should. After reading the " life insurance contract '' language, you would believe that you had purchased life insurance protection on your loan. YOU WOULD BE WRONG!!! Instead, you would eventually learn, as did the widow mentioned above, that you had only purchased a " debt repayment management tool. '' It was nothing but a 13 % surcharge on the loan that provided no benefit whatsoever for the borrower, but a very nice " extra kicker '' for Wells Fargo. If anybody at the CFPB wants to discuss this issue further, I can be reached at my home telephone number : ( XXXX ) XXXX. Thank you for taking the time to read this treatise and I would welcome the opportunity to discuss this matter with CFPB. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I sent a letter to the credit bureaus as well as to the credit debt agency no one responded or sent any letters. I have asked twice for this. The credit bureaus said its an address on my account that the bill is attached to but, would not tell me the address. Which is strange. My current address is on my report report and I have asked many times to remove all other addresses attached me as this is not my home address.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' I do not have a binding agreement and after submitting a request, they have failed to furnish physical proof of alleged accounts. 

Alleged List debts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Asking to remove.
Product: Debt collection

Capital one auto finance XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX if a consumer notifies a debit collector that the consumer refuses to pay debit the debit collector must cease all communication 15 usc 1692c ( c )
Product: Debt collection

In XXXX of XXXX, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There were several Chase account opened up in my name. I immediately notified the Chases fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Chase continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I received an escrow statement from Fifth Third bank stating that my payment was increasing from {$660.00} a month to {$790.00} beginning XX/XX/XXXX, due to a shortage in my escrow account. I contacted them the same week to dispute this. Upon our conversation it was determined that Fifth Third was trying to pay for the property taxes on one other property I do own that is not a part of my mortgage as well as another property that I do not own. The property that I do own and have the mortgage on the property did increase by {$200.00} a year so I did expect an increase of {$17.00} but not an increase of {$130.00} a month. When I spoke to the representative I was told that Fifth Third would need to have their escrow department look in to this and this would be resolved in 6 business days and that I should call back on the 7th business day. I expressed to her that I was concerned that this be resolved so that my XX/XX/XXXX payment would be accurate. On the 7th business day I contacted them and was told that this issue was not yet resolved and they are asking XXXX to follow up with this to verify the correct properties and to call back the following week. I stated again that I was concerned and the importance that this be resolved before the XX/XX/XXXX payment was due because I felt it unfair that I would have to pay and extra 20 %. I waited another 7 days an called back and was told that this was resolved and it would be accurately depicted on their system on XX/XX/XXXX. On XX/XX/XXXX I called back again was told that this was resolved but the accurate amount for my payment of {$690.00} can not be effective until XX/XX/XXXX. I asked what the amount for the XX/XX/XXXX payment needed to be and was told that I needed to pay the increased amount of {$790.00}. I asked why this would be and was told because Fifth Thirds systems require 60 days to change to an accurate payment amount. I then asked why knowingly are changing my payment when they are aware that their system requires 60 days to be made accurate when I didnt receive the escrow statement until XX/XX/XXXX. That means they gave me 34 days notice when they know that their system requires 60 days to become accurate. I was told well that is just how it works. And there was nothing that could be done about it. When I asked to speak to the supervisor that the representative ( Her name was XXXX XXXX was messaging XXXX told me that she could not transfer me to her. I then asked what her name and number was and told that her supervisor did not have an outside line so there was no way for me to contact her and if there was no further questions that she could help me with today. 
So because I care about my credit score I have to make a mortgage payment that is 20 % higher for the month of XXXX because Fifth Third knowingly has a system that can not be adjusted for 60 days but provides their clients with less than that amount of time notice. 
Property taxes in Indiana are paid in XXXX and XXXX every year and the tax bills historically do not go out until mid XXXX. How can a consumer honestly rectify this if their system is not set up to accommodate a fair resolution.
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Equifax and XXXX  According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly these two screenshots from Equifax show that the first day of delinquency is not being reported!. 

You better fix it or delete it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Product: Credit reporting or other personal consumer reports

I have XXXX accounts still showing Late payments on my XXXX Equifax and XXXX and these accounts are XXXX XXXX showing late for XX/XX/year> on XXXX and XXXX but not XXXX. XXXX XXXX showing late for XX/XX/year> and XX/XX/year> on XXXX and Equifax but not even showing up at all on XXXX. I filed a lawsuit with XXXX already and I am doing the same as of today with Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly I am now demanding all information be removed accordingly. I am attaching the documents in this file
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, XXXX XXXX XXXX td bank/targetc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I signed a contract with XXXX XXXX XXXX on XX/XX/year>. Payments were to be managed through Healthcare Finance Direct. The payment plan was to include the aligners themselves, which I received, but also online services and consultations that are no longer available to me. The company completely ceased operations in the middle of my treatment plan and offered no means of communication or any kind of resolution. My treatment plan was set to end in late XXXX of this year. I did not complete my treatment plan at the time the company ceased operations, and thus did not receive the services paid for. Healthcare Finance Direct claims that I need to continue making payments for these services even though the contract that was signed was broken by the company when they discontinued their services.
Product: Debt collection

I was told that I owed the amount of over {$15000.00} on a debt that was discharged from XXXX  bankruptcy chapter XXXX Real Time Payment Solutions is continuing to want payment even though the debt was discharged in bankruptcy from XXXX.
Product: Credit reporting or other personal consumer reports

There are several accounts listed from XXXX XXXX that according to the IRS publication Topic # 431 should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 1 ) 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. These accounts are being updated on a monthly basis even though they became income in the month of XX/XX/XXXX. The accounts in question are : Account name : XXXX Account number : XXXX Account type : XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XXXX Account number : XXXX Account type : XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XXXX Account number : XXXX Account type : Overdraft Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$4900.00} Account name : XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$2000.00} Account name : XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$11000.00}
Product: Debt collection

I cancelled my hazard insurance policy ( Policy No : XXXX ) with XXXX on XX/XX/2016 because I found a better policy. The policy was active from XX/XX/2016 XX/XX/2016. The balance for this month was {$92.00}, which I paid on XX/XX/2016 ( confirmation no : XXXX ). XXXX took the money out of my XXXX account on XX/XX/2016. They then sent me another bill on XX/XX/2016 for the {$92.00} that I had already paid. I spoke with XXXX @ XXXX and faxed to her a copy of the confirmation receipt that XXXX emailed to me ( fax no : XXXX ). I thought everything was taken care of but on XX/XX/2016, I received a letter from Receivable Management Services ( RMS, a collections agency ) stating that I owe {$92.00}. I called XXXX and spoke with XXXX. I then called RMS and spoke with XXXX and emailed her a copy of the same receipt I sent to XXXX + copy of my XXXX statement showing the payment. I called XXXX and demanded to speak to their XXXX, XXXX. I left him a voicemail but he did not call me back. I followed up with XXXX on XX/XX/2016 and spoke with XXXX She stated that my account was " closed as of XX/XX/2016 '' and that no balance was on the account. The date did not make sense but I was satisfied hearing that my account was closed. BUT on XXXX, I received a call from RMS Collections, this time from XXXX, stating that my account was not closed and that I still owe {$92.00}!!!! This company is harassing me for a balance that was PAID IN FULL. RMS Collections has the ability to report this bogus claim to the credit bureaus and I have plans on refinancing my home in a few m months. I have attempted numerous times to speak with the manager at XXXX but nobody is calling me back.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my XXXX  these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

What makes it so difficult for XXXX XXXX  to report my 2 credit cards as CLOSED on my Experian and XXXX reports???? Why did XXXX XXXX  report my 2 credit cards as CLOSED on my XXXX XXXX credit report but my accounts remain inaccurately listed as OPEN on my Experian and XXXX reports??? Why cant XXXX XXXX, Experian and XXXX comply with the prompt mid-cycle reporting accounts CLOSED as required by the FCRA and Metro 2 protocols??? What is your purpose to willfully violate the FCRA by knowingly report my CLOSED accounts as XXXX??? Are your employees, computers, bots and PARROTS STUPID and incompetent??? Why are each of you risking statutory damages of {$1000.00}, punitive damages and attorney fees by continuing to violate the FCRA??? Permanently DELETE my 2 XXXX XXXX accounts from every CRA immediately or face increasing liability for willful FCRA violations!!!
Product: Mortgage

On XX/XX/XXXX, I logged in to the site to pay my mortgage only to see a new {$7.00} service fee for online payments ( and apparently automated phone payments as well ). This had not been previously communicated. After some research on the site, it appeared to be tied to having not signed up for " paperless statements ''. This is something that was never encouraged, communicated, or made easy to figure out how to enable. 

However, once selected, it warns that it may take up to 3 days to take effect. There is no warning the service fee won't disappear. A call placed to the company offered only 2 real options - 1 ) pay a service fee to make and automated phone payment, or 2 ) talk to someone about refinancing my mortgage. After several loops through the phone tree, I disconnected without resolution. 

After logging in several more times on XX/XX/XXXX and XX/XX/XXXX still seeing the service fee, I eventually paid the mortgage and the service fee to avoid a more costly late payment fee.
Product: Credit reporting or other personal consumer reports

In accordance to with fair credit reporting act XXXX Account # XXXX, has violated my rights. 

5 u.s.c 1681 section 602 A. States I have a right to privacy.

5 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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: Debt collection

This account was paid in full and I was told they would remove it from my credit report but that has not happened yet
Product: Credit reporting or other personal consumer reports

I sent credit dispute letters to XXXX, Equifax, and XXXX on XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. I have not received documentation providing the results of these investigations into the inaccurate items I disputed.
Product: Checking or savings account

Subject : Illegal Freezing of Assets? 
Body : My issue is with Ally Bank. I recently changed my phone number. Once I had changed my number, I updated that information with Ally Bank accordingly. Unfortunately, this triggered a freeze on my account. When I try to access my account, I am locked out and receive error messages such as " We've locked your account. '' I've been on several phone calls now, yet none of them were able to unlock the account. As it stands currently, my assets are frozen and I'm not convinced that this freezing of my assets is legal.