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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the Equifax breach. I am being sabotaged and abused by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the proper documents and they still haven't solved the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the Credit to remove the five accounts from my credit report in XX/XX/2022. It is my Consumer right to the right or Privacy U.S.C Section A Right to Privacy. XXXXS.C. Section 604 A Section 2 nothing should be written on a consumer report without written permission from the consumer. The accounts have been either paid and was told it was being removed plus i have my credit report which have different dates which i received notice it was verified on all four accounts including the XXXX XXXX XXXX complaint i also filed the four accounts are 1. XXXX XXXX XXXX 2 XXXX XXXX XXXX  XXXX 3 XXXX XXXX XXXX XXXX  4 XXXXXXXX XXXX XXXX XXXXXXXX 5 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX years old I do not have legal right to sign a contract. I have never used my social security until now where I have asked for my credit file. I called the credit bureau to obtain a copy of my credit and a collection agency named AFNI has negative information being reported to my credit. I'm not sure how credit works. But up until 15 days ago I didn't even know my social security number.
Product: Credit reporting or other personal consumer reports

These inquiries was not authorized by me and I did not communicate with this under the specified date "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX M & T Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.
Product: Debt collection

I noticed a collection popped up on my credit report. No letter sent for dispute. They never reached out to me.
Product: Bank account or service

Good morning, I have a problem with CHASE Bank. My husband and I have an account in this bank when we lived in NYork city. My husband died 4 years ago and I live now in XXXX ( XXXX ), I am XXXX. Since two years ago Im trying to get the money or cancel this account, because they didnt send me any credit card or code to operate by internet. I sended all the documents they asked me ( death certificate, the acceptance of inheritage, ... ) everything translate in english and certificate by the XXXX and notary. After two years sending me from one department to another for two years, and phoning them many times, because they dont want anything by e-mail, a month ago they said that they have lost all the original documents I already sended and they need everything again but now certificate by the XXXX notary in XXXX ( wich is not necessary according to the XXXX notary, the XXXX it shoud be enought ). They said that they will send me a letter with a list of the documents they need now but we didnt receive anything. I am phoning everyday but is impossible to talk to the person in charge of my case, I leave messages and thet dont answer. I m desperate because Im old and I need my money. I have the impression that they dont have any intention to give me a solution.Thank you very much.
Product: Debt collection

On XX/XX/XXXX my collection balance of {$500.00} was paid in full. I received the confirmation number and was told any future charges would be cancelled and it would come off my credit report on the next billing cycle. It came off my report and I though I was done. On XX/XX/XXXX I was charged {$250.00} ( half of what I owed ). I spoke to XXXX the morning of the XXXX when the charge was posted to my account and he requested I email him the bank statement which I did around XXXX in the morning on the XXXX. He said he was the one who helped me in XX/XX/XXXX and that he knows the account was paid in full and that he had cancelled the payment. He then gave me the number for a woman named XXXX and said she would be taking care of it. I spoke with XXXX on Wednesday who said they would handle it. I spoke with her 3 times on Thursday and she said " they '' were still looking into it. On Friday around XXXX she said I should be getting a call for the refund, which I did not receive. On Monday morning ( today ) I called this morning and spoke with XXXX again who said that they were waiting for my balance to post on their system so they could process the refund. I requested to speak with the manager who's name was XXXX who told me the same thing and requested I reach out before XXXX if I don't hear from anyone. Around XXXX Monday afternoon I called XXXX who told me XXXX was on the phone and he would reach out before XXXX or to call soon before XXXX if I hadn't heard from him. At XXXX I contacted them again and said he was still on the phone but he would call me back as soon as he was off. I did not hear from him. I called their after hours line at XXXX Monday and they said he left already. It has been almost a week since they took the money from my account for a debt that was already paid.
Product: Mortgage

I would like to report this company Core Advisory Group XXXX, LLC out in California has scammed me out of {$2200.00}. My property just got foreclosed on so I contacted Core Advisory to seek help to see if they can reverse the sale of my home. I spoke with XXXX XXXX who promised me the world to convince me hire them. I had explained to XXXX XXXX XXXX that the lender had offered me a " cash for keys '' settlement of {$2000.00} if I agree to move on within 30 days. XXXX XXXX XXXX informed me that he can get me a better larger offer and the way they will do this is by filing complaints with the government agencies to force my lender to give me a better " cash for keys '' offer than {$2000.00}. He also told me the complaints can also force them to get me into a rental agreement where I can just lease the property and not have to move out. For me to do this it would cost me {$1600.00} upfront and {$500.00} per month for the next XXXX installments. So I signed up with them on XXXX/XXXX/2016 and paid Core {$1600.00} upfront. After I paid them, the only communications I got was from their paralegal XXXX who advised me to file for a Chapter XXXX bankruptcy and stated that is the only way to buy some time. So she went ahead and prepared the bankruptcy papers for me and provided me instructions on where to file the bankruptcy petitions. I am disappointed to learn later that the bankruptcy I had did little to any effect as it only delayed my eviction for only a few weeks and I ended up receiving a notice from the XXXX stating " writ of possession '' and I will have to vacate in 30 days. Not once during this whole process did I see them file any complaints on my behalf to my lender and no negotiations with my bank ever took place. It was all a lie and a scheme to get me to pay them upfront to get no where and to make the sitatution worst, the offer from my lender of {$2000.00} to relocate has now been taken off the table so not only did I ended up having to fork up over {$2100.00} in thinking I would get a better cash for keys offer and now I 've lost the {$2000.00} offer that my bank originally offered me to move out. This is a scam. I want my money back in full. They ruin everything for me. I was also advised that I was given legal advice to file bankruptcy from a non-licensed attorney so they also was practicing law without a license. This company needs to be shut down. I later went onto their website to find the address, and they have taken down their website. There is no contact number but a messge stating they will no longer take new businesses. Now that is just proof that they are just out to scam people and disappear on them. I hope you will find this guy and put him away for good. Please help me get my {$2200.00} I paid to them, they did nothing to deserve that.
Product: Credit card

On my statement dated XX/XX/year>, the balance payable to Citi was {$11000.00}. My account has been established with auto-pay for the full amount due for years. Various credits were applied prior to the due date and Citi auto-debited my account for {$6600.00} on XX/XX/year>. 

Unfortunately, that amount was {$1300.00} less than the total amount due, which happens to be exactly the amount of a conditional credit reversal by Citi on XX/XX/year>. 

To net it out, Citi 's own auto-pay system failed to debit my account by the exact amount of this conditional credit reversal thereby creating interest charges in XXXX and XXXX despite the fact that I have always maintained auto-pay authorization for the full amount due. 

I noticed this weirdness on XX/XX/year> and initiated a one-time payment for the {$1300.00}. 

Citi is attempting to charge me {$430.00} in interest for their own error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Dear CFPB, I 'm hoping you can help me with an issue I am having with Citibank and how they keep causing me to go overdrawn.

To give you a bit of background - I moved to the US from the XXXX about 6 months ago, so I 'm presumably used to a smoother operating banking system.

Essentially - I am using my Citibank checking account as my main account here in the US. I pay through my card on XXXX, XXXX and in-store. From what I gather, the primary cause of the issue is that Citibank seem to take over 5 days to process any transaction. 

This means that when I am buying things online or in-store, Citibank are not actually processing the payment until much later. When they finally do this, they process all my payments at once and they keep sending me overdrawn, and charging me a {$34.00} transaction fee. 

I 've asked them many times to not do this. I never want to be taken overdrawn. If I do n't have enough money in my account to make a payment, I will just use another card / payment method. But, because Citi are so slow at processing payments they let everything build up and process it all at once so that they can claim to charge fee from me, rather than actually just telling me when I 'm making my purchase that it will be declined and I should use another card. 

All of these charges are below XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} ( As a side, I do n't know why they are charging me a Monthly Service Fee, as I did n't sign up for this ) Your help is much appreciated Best, XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid on XX/XX/year> via CFPB Item in question : Bankruptcy XXXX You stated that your process to verify this item was ( United States Bankruptcy Court ) and on I sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation.

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and BBB against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY!

This is my last warning.

Please delete this unverified information as you may have mix/merged my credit file. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Checking or savings account

On XX/XX/year>, I called and spoke to XXXX to inform her that I have received money market check book on the XXXX evening. It took 19 days to be delivered to me which was almost a week later than normal 7-10 business days. I was previously told it was ordered on XX/XX/XXXX and shipped by the vendor on XX/XX/year>. Upon my inquiry, She double checked with a back office staff and ensure me the account and check were all green light on and good to go. I told her I will make a mobile deposit to my synchrony saving account to test and ensure both money market account and check working properly. 

On XX/XX/year>, I was restricted from my money market account. I called and spoke to two call center support staff and they submitted my request for reactivating my XXXX  market account and asked me to wait 2-3 days but I am still unable to use the money market account and unsure about my option writing check for mobile deposits. I have not heard anything from the bank or been contacted by the bank to resolve the issue.
Product: Credit reporting or other personal consumer reports

The following account was charged off as of ( XXXX, XXXX ) Since then the account has repeatedly been updated as " charged off '' every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. 
I am demanding a deletion of the following account : account # XXXX XXXX BANK 1. PAYMENT HISTORY IS DIFFERENT ON EXPERIAN CREDIT REPORT COMPARED TO XXXX CREDIT REPORT. THE HISTORY GOES AS LISTED ON EXPERIAN XXXXXXXX XXXX XXXX ( 30/60/90 DAYS LATE MODEL ) BUT ON XXXX 0/1/2 2. THE BALANCE ON THE CHARGED OFF DEBT IS DIFFERENT, EXPERIAN LISTS IT AT {$22000.00} BUT XXXX LISTED THE DEBT AT {$23000.00} 3. BOTH EXPERIAN AND XXXX REPORT THAT THE LAST PAYMENT MADE ON THE ACCOUNT WAS IN XX/XX/XXXX BUT THE PAYMENT HISTORY SECTION IS REPORTING A LATE PAYMENT FOR THIS MONTH. THE XXXX PAYMENT MONTH SHOULD BE UPDATED TO CURRENT AND ON TIME.
Product: Credit reporting or other personal consumer reports

a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent contractor company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.
Product: Debt collection

I 'm being repeatedly called by XXXX XXXX XXXX about a debt that I do not owe.
Product: Debt collection

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. Midland Credit Management is reporting an alleged debt and they are tarnishing my reputation and harassing me. I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed.. According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts published from Midland Credit without my permission; using my name and personal information by which to do so. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.
Product: Mortgage

XX/XX/2022 Company/Loan Officer providing vague Loan Estimates without the NMLS ID number.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Sent money through Zelle in the amount of {$500.00} and it was a scammer impersonating a friend. My bank XXXX and Zelle both said that they could do nothing about it.