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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes Experian and XXXX have failed to provide XXXX XXXX  from XXXX 's verifying that I am the actual account holder
Product: Debt collection

Div Adj Serv is a collection agency that is trying to collect a debt to which they are not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX XXXX XXXX XXXX. Please remove this collection item from all three reporting credit bureaus XXXX XXXX XXXX XXXX as this is in violation and misuse of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

.In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

Fed loan servicing is the company that is handling my student loans. Back in XX/XX/XXXX, I was told I would need to change the way the income based program that they were on, secondary to having parent loans that also needed to be on an alternative program. I was told that my new payment was miscalculated by Fed Loan, secondary to not including that I was married filing jointly, and that it would be adjusted. Due to this error on their part, I was also told that I would be put on an administrative foreberrance until this issue was resolved. A month later, I was told the bill was late. I was then told that Fed Loan doesnt refinance the payment, that I would have to go onto studenloans.gov to do this, and in the meantime, my loans would be on an administrative foreberrance, as again, I was given misinformation. I did go on student loans.gov per their request, and paid a XXXX fee that they also requested I pay. Another month, and there was another late payment. I called again, and this time got a manager. I was told that this happens, and he would fix it. A couple of weeks later, I received another late payment notice. I called again, and was told that the foreberrance was only for a 2 week period in XX/XX/XXXX, and I would have to use my own foreberrance allotment in order to wait for the new payment adjustment to happen. After speaking to several reps in a short period of time, I am dissatisfied with their customer service. Each rep told me something completely different, and the last one refused to honor the offer that Fed Loan had made themselves of the administrative foreberrance.
Product: Mortgage

In XXXX 2014 I sent the consumer financial protection bureau a complaintconcerning our current mortgage with M & T Bank. In XXXX of 2014 I received aletter through CFPB and a hard copy from M & T Bank that they conceded faultand returned all funds and would fix all past due credit record amounts. We didreceive all past due funds but M & T Bank has not corrected any of the past dueamounts on our credit record which has damaged my and my wife 's creditscore. 
Attached is a copy of the original complaint and a copy of the response from M & t Bank
Product: Money transfer, virtual currency, or money service

initiated an international money transfer of {$680.00} on XX/XX/year> to XXXX for the equivalent amount to be deposited in a bank account. As of XX/XX/year>, the money has not been deposited. This transaction usually concludes within minutes. I have called and emailed XXXX multiple times and all theyve told me was that there was a glitch on the date the transaction occurred. It has been 11 days. They initially sent an email indicating the money would be deposited on XX/XX/year>. Till date, they have not been able to tell me when or how this issue will be resolved. Reference code : XXXX
Product: Mortgage

Hello CFPB, Chronology of events : on XXXX XXXX i made payment of {$2800.00} that was due on XXXX XX/XX/XXXX. 
on XXXX XXXX I changed my auto pay for payment of {$2800.00} due on XXXX XX/XX/XXXX. 

On XXXX XXXX and XXXX XXXX XXXX XXXX sent me letters with information showing non sufficient funds for a mortgage payment. I am puzzled as I made my payment before XXXX XXXX so why is Veterans United asking for a mortgage payment since I made mortgage payment on XXXX XX/XX/XXXX for Payment due on XXXX XX/XX/XXXX. 
on XXXX XXXX I called up XXXX XXXX and they confirmed Veterans United trying to take money out of my account. I put a freeze on any payments from Veterans United. 

I was charged on XXXX and XXXX XXXX {$29.00} each since I did not have {$2800.00} in my account and I should not have to carry large amount balance when not necessary since I made payment that was due on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX. 

My requests of Veterans United : 1. Send me {$29.00} x XXXX = {$58.00} for the XXXX times in early XX/XX/XXXX the fees from my bank. I never asked for any deposit in XX/XX/XXXX to Veterans United since I took care of the payment due on XXXX XX/XX/XXXX back on XXXX XX/XX/XXXX.
Product: Credit card

On XX/XX/XXXX, everything was working fine. 
Between XX/XX/XXXX and XX/XX/XXXX I was travelling abroad and tried to access the account online. It locked my access. 
On XX/XX/XXXX, back in the US, I tried to access the account and was informed it was locked and I need to reset password. I went through the reset password informing full card number, XXXX, and last XXXX of XXXX. It shows an error that information doesn't match, despite being correct. 
I called customer service and was given an unexpected reason. They say because I closed checking account ( that was XX/XX/XXXX ), I need to fully re-register online, with a different username. That does not make any sense, because my online access has been working after I closed the checking account. The only issue is that I tried to access while abroad, and now I'm unable to unlock it even providing all the correct information. 

Is Citibank online system that poorly implemented, requiring a full new registration every time a password need to be reset?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) -XXXX XXXX # XXXX -XXXX Card # XXXX XXXX XXXXXXXX XXXX XXXXXXXX states I have a right to privacy XXXX XXXX XXXX XXXX XXXX  XXXX states consumer reporting agency can not furnish an account without my written instruction and/or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently obtained copies of my credit report and noticed unauthorized items being reported on it.
Product: Mortgage

Someone went behind my back and pulled XXXX out of my house that I paid off. I have the certificate of satisfaction the mortgage company confirmed that my loan was paid off. I requested documentation pertaining to the new loan and they told me that I wasnt on it, and they can not disclose information on the loan against my property. I asked them to discharge the loan because I have no knowledge of a loan being against my property. Ive also asked them to produce documentation supporting the charge off of a fraudulent loan against my property XXXX XXXX XXXX XXXX XXXX has refused to comply and produce documentation that I requested within 30 days. I am now requesting under the statue of law. I have also provided the company XXXX XXXX loan services with proof that the loan was done fraudulently. XXXX XXXX is refusing to remove the mortgage from the property as I am occupying the property currently they are proceeding a foreclosure against my property that a fraudulent mortgage was done on that I did not sign any loan documents or sign a house over to any third-party and do not have any knowledge of a mortgage Until XX/XX/year> 2024
Product: Debt collection

Received phone call from XXXX on XX/XX/XXXX, spam filter notified it was ARS Natl Svc. No voicemail was left. 

Received letter on XX/XX/XXXX from ARS National Services, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, detailing to send payment online or via wire services. Sheet only details Creditor, Account Number, Balance, Name, and Additional Information For ( Insert State Here ) Residents, that does not include addressed state, or include the Fair Debt Collection Practices Act dispute form. 

Nowhere on the sheet is there information regarding how to dispute for residents not in states it has detailed. Per the new rules effective XX/XX/XXXX, ARS National Services must include a pre-populated form detailing how to dispute the debt validation. 

This is a clear violation of federal law that this company had no intention of following.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 

Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts. A written confirmation of the correction would be greatly appreciated. Additionally, assurances were given over the phone that the accounts would be promptly updated. 
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 recently Checked my credit report and found an inaccuracy that transunion refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to ( PAANL ) status XXXX XXXX acct # XXXX
Product: Credit card

I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.
Product: Debt collection

Collection amount for a utility bill in Illinois for XXXX $ dollars that I didnt know about in XXXX which was not approved by me never lived in this state it was put on my report XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I hired a business called XXXX XXXX and paid them {$1100.00} for a one-time HVAC duct cleaning service at my house, which a sub-contracted serviceman conducted on XX/XX/2022. That was the end of my relationship and communication with this business. 

However, on XX/XX/2022, while I was traveling out of the country, a business that I do not recognize, under the name XXXX XXXX XXXX, charged my credit card {$1100.00}. This same business then charged my credit card again on XX/XX/2022, for {$850.00} and again on the same day for {$1100.00}. 

I have been in communication with Chase Bank about this since XX/XX/2022, when I first noticed the unauthorized charges on my account. Chase Bank initially gave me provisional credits for all three charges, but then removed the credit for the fraudulent charge of {$1100.00} ( made on XX/XX/2022 ) and re-billed me, calling the charge valid. The only valid and accurate charge is the XXXX from XX/XX/2022. 

After I contacted Chase Bank in XXXX to ask why they removed the credit, they said they needed more information and asked me to submit a letter disputing the charge and any relevant documentation, which I provided. After not receiving an update from Chase Bank, I called them in XXXX to check in. Chase Bank then advised me to submit another letter calling the charge a " duplicate charge '', which I submitted. 

After 66 days without a response from Chase Bank, I called them on XX/XX/XXXX to check in. Chase Bank then told me that based on available information they believe the charge is valid and that too much time has passed since the charge was made for them to be able to help me. This is extremely frustrating as, again, I have been in communication with Chase Bank since XX/XX/2022, and have repeatedly explained the situation while Chase Bank has provided me with conflicting information depending on the representative and department that I speak to, and has requested me to submit different documents, which I have submitted. 

Upon conducting research online, I easily found that this duct cleaning business appears to be fraudulent and a scam ; they use different names, addresses, phone numbers, and email addresses, and create fake XXXX reviews to hook unsuspecting customers. They also seem to constantly list the phone number XXXX under different business names. 

The XXXX XXXX website that I used to hire them initially is no longer active and the phone number they texted me from does not accept incoming phone calls. Therefore, I have also submitted a police report with the XXXX Police Department and a fraud report with the Federal Trade Commission regarding this fraudulent business. 

I am requesting that Chase Bank promptly correct this error, that the disputed amount of {$1100.00} be credited to my account, and that I get an accurate statement. I refuse to pay for this {$1100.00} charge because it is an unauthorized and fraudulent charge by a fraudulent business that is deceiving people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I checked my credit on XXXX and realized there was a derogatory mark on there. It is from XXXX XXXX XXXX and the collections agency is IC System. There are two separate accounts that have been opened in my name that I have not opened. The first account was opened XX/XX/XXXX and the second account opened XX/XX/XXXX. I received a copy of the signed agreements and they are both signed in my name but it is not my signature. I have never owned cats or stepped foot into a XXXX XXXX XXXX. I have contacted both the collections agency and the pet hospital. The pet hospital told me to contact the credit bureau. Apparently from the explanation at the pet hospital, a wellness agreement was signed so that they could direct debit monthly from the persons bank account. Since the bank account information had to be obtained for the person to sign the agreement, it does not make sense how they could put it on my credit report when it is not from my bank account.
Product: Debt collection

on XX/XX/XXXX I had learned that my account was charged twice in the month of XXXX for my XXXX XXXX XXXX. I spoke with XXXX from XXXX at XXXX on XX/XX/XXXX his phone # XXXX. XXXX stated that I was charged twice because my insurance increased because they added my husband to my policy. I told XXXX that my husband does not drive my vehicle that is why I did not add him and we were going threw a separation. I also stated even if my policy did increase why did it charge me twice in the same month and I was told it is how days fell on automated service they have for when next payment was due. I stated to XXXX it put my account into a negative balance because of the double charges, I have my bills and there amounts on automatic payments based on my check payments. At that time I asked for them to correct the problem and they would not. So since they did not correct the problem I asked for my account to be closed and I would find another insurance provider. My account was closed and I assumed issue was resolved. On XX/XX/XXXX I received an alert on XXXX XXXX  that I had recently purchased to monitor my credit activity that a new collections was added from a collection agency Caine & Weiner in the amount of {$380.00} from XXXX. I did not receive any any information about debit or why it was owed. I called XXXX from XXXX  at number above left several messages and have not received a call back. Because of the mark on my credit score it has affected my ability to obtain the mortgage for a new home.
Product: Checking or savings account

On XX/XX/2018 I made the following transaction : XXXX IAT XXXX XXXX WEB ID : XXXX debit {$100.00}. I did not receive the merchandise. I attempted to resolve with Merchant and was unable to do so. I contacted financial institution Chase and they refused to dispute because the transaction was not fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I started disputing inaccurate and fraudulent items listed on my credit report with Experian. On several different occasions over the last 9 months the have responded to my disputes alleging that the disputes were not sent or authorized by me when they were in fact sent by me. In XXXX of XXXX  I went as far as to write a personalized note on the letter stating that it was in fact from me and circled my signature sowing that it was the same as the signature on my license and passport. In XXXX, upon the request of Experian I complete an FTC Identity Theft report and sent it to them for accounts, addresses and inquiries associated with fraud and they still claim to have verified these items or refused to investigate and remove them from my credit file.
Product: Credit card or prepaid card

During the COVID-19 we asked the bank to reverse interest fees for XXXX and XXXX in the amounts of {$290.00} and {$310.00} totaling {$610.00}. The bank refused to make any considerations.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
COLUMBIA DEBT RECOVERY # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA
Product: Bank account or service

A bank account at Citi Bank is being used for wire fraud scam and Citi Bank does not act to shut down the individual. I recently got a message from XXXX saying they were not able to recover my money because Citi Bank responded that XXXX XXXX XXXX has taken the money. Citi Bank did not act on my request for a recall quickly enough. Citi Bank did not place a hold on the money reason for it being gone. Recall refs # XXXX, Wire transfer transaction number XXXX. The wire transfer was done from XXXX to Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the XXXX  data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal