23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 XXXX XXXX  is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with Transunion that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation.

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.
Product: Student loan

I have a student loan that I've been paying off since XX/XX/2007. I've never missed a payment. It was a 15-year term. I just got a message stating that a " periodic review '' ( which hasn't been done in at least 3 years ) discovered I have 4 months to pay the remaining {$2400.00}. 

This takes my monthly payment from {$75.00} to nearly {$600.00} for absolutely no good reason. I have followed their payment schedule, which apparently was not calculated correctly. 

I called Nelnet, no justification given.
Product: Debt collection

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In Hinkle Vs Midland Credit Management , Inc., the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$65.00} XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX XXXX {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2023 etc
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act hard inquires XXXX  XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX and 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: Mortgage

I have been a member of XXXX since XXXX. They are unable to locate any records regarding a mortgage that I supposedly received in XXXX. I never received that mortgage. I have only had one mortgage on a property ( located at XXXX XXXX, XXXX ), and that went into foreclosure in XX/XX/XXXX as a result of predatory lending practices that led to a class-action lawsuit and subsequent forgiveness of the mortgage ( proof attached ). 
The mortgage that I supposedly received in XXXX shows XXXX XXXX Mortgage as the mortgagor. Since the original mortgage was issued through XXXX, I would not have gone to another lender for yet another mortgage. In addition, all of this paperwork has exposed much of my personal information including, but not limited to, my account number at XXXX. 
This house was ultimately sold ( without my knowledge ) at a sheriff sale in XX/XX/XXXX. I received no notices regarding the sale, nor was a notice posted on the property. I only learned of the sale when I visited the Register of Deeds for a title search.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts 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 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

This complaint is related to : 1. Complaint # XXXX and 2. Compliant # XXXX Citibank 's responses to the above compliants : 1. Show that Citibank opened a new account after they waived all charges on the old account because Citibank acknowledged that old charges were fraudulent ; however, Citibank : ( a ) did not show XXXX XXXX knew that a new account was opened or that he authorized that a new account be opened ; ( b ) Citibank sent the XX/XX/XXXX monthly account statement to a XXXX XXXX, FL address which is not an address of XXXX XXXX. 

2. Show that the monthly statements for XXXX and XXXX, 2017 were sent to XXXX XXXX 's correct home address in XXXX XXXX, FL ; however, XXXX XXXX never saw those statements because : ( a ) he moves to his XXXX, NC home in early XXXX each year and ( b ) as reported to the U.S. Postal inspector ( by the local carrier ) and the XXXX XXXX XXXX ( FL ) XXXX XXXX, XXXX XXXX 's XXXX XXXX and XXXX XXXX statements were stolen. 


3. Show that purchases were made at XXXX XXXX  stores in XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX, FL and XXXX XXXX, CA. None of these locations are near to XXXX XXXX 's XXXX XXXX, FL and XXXX, NC homes. 


4. Show that online payments to the credit card were made from XXXX IL. XXXX XXXX does not live in or has financial accounts in XXXX Il. 


Obviously, XXXX XXXX is not financially responsible for the fraud committed against Citibank. Furthermore, an Experian Credit Report dated XX/XX/2017 showed a long list of fraudulent addresses and fraudulent accounts which were quickly removed at XXXX XXXX 's request and the request of other financial institutions. Perhaps, Citibank should be advised of these facts so they can complete their investigation.
Product: Payday loan, title loan, or personal loan

loan amount {$35000.00} denied on XX/XX/XXXX I received an advertisement from XXXX XXXX to apply for a pre-approved {$35000.00}. When my credit was checked they said my loan was pre-approved. Because I am self-employed I provided 12 Months Bank Statements to support my income. I was told I was denied because my debt ratios are too high. This would be fine if the statement was true. 

The fact is that my Income for the year was met with very few debts as evidenced by my Bank Statements and remaining balance. The High Debt ratio is false and misleading. There is no system in place to appeal false information and in addition, this places me in a position where now I have an inquiry on my credit report. It is a frustrating waste of time and effort. 

I believe that lending criteria should be clearly stated so that a Consumer doesn't wast his or her time and inadvertently reduce their Credit Score by adding inquiries to it.
Product: Credit reporting or other personal consumer reports

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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
Product: Checking or savings account

I would get my direct deposit and they would wait to deposit it causing overdraft fees
Product: Debt collection

BMW has illegally shared my financial information with a third ( non-affiliated ) company who continues to try aggressive debt collections pretending to be law enforcement officers and very aggressively have tried to confront family members or gusts at one of my properties. These third parties have aggressively come to one of my residents at odd hours, aggressively knocked on door trying to intrude my privacy, as one instant listening on the door and trespassing and trying to violate my family privacy rights. They have tried to hide their identity and pretend to make it as they are law enforcement officers.

That is in direct violation of 15 U.S.C.1692f ( 6 ) ( unfair practices ) ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; BMW has also violated my privacy illegally sharing my personal information with a non-affilated third party private investigation company named " XXXX XXXX ''. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Such sharing of personal information with third parties without my knowledge is truly a violation of my privacy rights these are illegal third-party violations issued by XXXX XXXX XXXX 

They have been trying to approach my family members at odd hours such as XXXX XXXX or XXXX XXXX and they are aggressively peeking through windows of homes and using deceptive practices.
Product: Mortgage

In XXXX  I applied for a covid hardship plan with Freedom Mortgage and we agreed of the payback amount before the contract was finished. MY payback amount was {$490.00} a month so, I asked could I start paying on it? I was told I could, so I started that very next month. I paid until I kept getting the run around of the contract, it was the same excuse all the time VA was backed up on their paperwork. I decided to get VA more directly involved and I was told I didn't have to pay them anything until the contract was complete. So, when I do finally get the contract it is totally different on the amount that we had agreed upon by over {$200.00}! I called Freedom Mortgage and they did acknowledge that it wasn ; t the original offer and told me, they would see if they could honor the first contract but, didn't never called me back. My VA Loan XXXX XXXX XXXX XXXX was on the phone with Freedom Mortgage last week and I was told over the phone what I need to summit to keep my home from going up for sale, I seent all three documents that their Liquidation Department. I called back on the XXXX as I was told to find oud that they sent me a letter out on the XXXX for the same documents? I'm a 100 % Protected XXXX XXXX  and they sold my home on XXXX and was served an illegal eviction notice from new owner?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX Military '' has not been removed off my Equifax Credit Report.!
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing CashApp services.
Product: Credit card or prepaid card

XXXX XXXX double charged my Barclays Mastercard by {$330.00} on XX/XX/2023. I contacted the airline on various occasions and each time they informed me they only charged me once and I had to resolve with Barclays, despite it showing up twice on my Mastercard. I submitted a dispute with the bank, who declined my inquiry. I have receipts and proof of the correct charges, however Barclays will not resolve. My receipt states {$330.00} despite being charged {$660.00}. I have called Barclays to escalate without success. I have asked Barclays to yield proof from the merchant, but they havent been able to provide that. Instead. Im being charged and forced to pay without a resolution.
Product: Debt collection

I received a text notification from XXXX about my credit score had been reduced by XXXX points on XXXX XXXX. When I checked my credit account there was more information about Southern Management Systems has flagged my account as collections on XXXX XXXX. I immediately XXXX searched company to locate a phone # to call ( As I had never heard of or known of this company. ) I called the phone number under their XXXX listing. I got a recorded message that I had reached a number that is no longer in service or has been disconnected. There was XXXX other sponsored listings that mentioned Southern Management Systems so I dialed the very first listing. The call was answered by Representative XXXX with XXXX XXXX that XXXXXXXX XXXX XXXXXXXX  for Southern Management Systems. I asked her to please verify the debt that was reported to the credit reporting company ( XXXX ) because I am not aware of any debt owed cause certain steps were not taken nor were the rules about how to contact me. As well as other laws not followed before reporting debt to the credit reporting agency. A debt collector must use at least one of the following ways to contact me about any debt they claim I owe before it sends any information about the debt to a credit reporting company. 
1.Speak with me in person 2.Speak with me by phone 3.Mail me a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the mail was not delivered. 
XXXX. Send me an electronic communication, and wait a reasonable amount of time ( generally 14 days ) for a notice that the email was not delivered. 
NONE of these ever took place. I was NEVER contacted. I reached out to them ( Southern Management Systems ) for Validation on XX/XX/year> after I received a text alert from the credit reporting company XXXX. 
Also if I receive a validation notice about a debt, from a debt collector, it means they have satisfied their requirement to contact me and in general can begin to report the debt to credit reporting companies. I did not receive a validation notice nor was I reached or attempted to be reached by any means, by any collection agency about any debt at any time. 
This debt collector Southern Management Systems ( XXXX  XXXX  on behalf of the previously mentioned company ) has improperly reported and failed to meet their obligations under the Fair Debt Collection Practices Act. 
I was also told by agent XXXX that in order for her to validate and to see if I was eligible to disputed and have this removed or reversed from my credit profile there would be a one time fee of {$1.00} for pull the report, while neglecting to tell me that she was signing me up for a 7 day trial with Standard Scores, And my card used to pay the {$1.00} would be charged XXXX once the trial period was over. I found out from an email 2 days later from Standard Scores, that my card would be charged and thanked me for signing up. I was lied too. it seems that it is the practice of deception. I want this removed from my credit profile. It has not been validated that I owe any debt and the rules and laws were not followed accordingly.
Product: Checking or savings account

ATM fees for the month of XX/XX/2022 were requested. Charles Schwab always returns ATM withdrawal fees as part of their refund policy. Schwab asked me on a recorded line today with representative XXXX to ask my new bank to return those fees even though they were transaction through Charles Schwab Bank while all accounts were still open.

Charles Schwab also admitted to retaining monies owed to me without my knowledge. These new monies owed to me are somehow currently blocking access to my brokerage account which is still active. The amount was $ XXXX USD. 

I have reported this bank to FINRA and SEC multiple times in 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Updated : XX/XX/2016 XXXX XXXX XXXX XXXX  Date Updated : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.