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

Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. 

The latest issue - the customer service folks are not even aware of the correct XXXX XXXX #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. 

The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. 

I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. 

This is so careless mistake by the customer service. 
XXXX has a usual habit or pattern of making simple things complex. Moreover XXXX has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a " TransUnion MySmartmove '' account at www.mysmartmove.com, which is a rental screening service operated by TransUnion, in order to have a report generated for a potential landlord. The report combines TransUnion credit history, eviction history, and criminal history. I answered all of the identity verfication questions online, successfully created an account, and a report was provided to the landlord. However, MySmartmove does not provide a copy of the report to the consumer through the website. Only the landlord can access the report on the website. Instead, they direct the consumer to call their XXXX number to request a copy of the report. I called the XXXX number and the representative wanted me to send my personal information along with a copy of my driver 's license via email to " XXXX ''. I informed her that it is not secure to send personal information through email, that they should not be asking customers to email personal information, and that I would not send my information via email. I requested a mailing address to send my request, but the representative first claimed that she did not know the mailing address. Finally, after speaking to the supervisor, I was provided a mailing address to send a request in writing. Additionally, I was informed by the representative that the report provided to the landlord is not even the same report provided to the consumer when the consumer makes a disclosure request. I'm initiating this complaint for the following reasons : ( 1 ) TransUnion MySmartmove should provide to the consumer a copy of the report that is identical to that provided to the landlord ; ( 2 )  TransUnion MySmartmove should provide this copy to the consumer via the consumer portion of the website, just as they provide it to the landlord via the website ; ( 3 )  TransUnion MySmartmove should not request consumers to email sensitive personal information ; and ( 4 ) TransUnion MySmartmove should provide their mailing address to send FCRA disclosure requests on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Product: Debt collection

I originally requested this debt be removed from my credit due to my not knowing who this company is. The company refused and called it a cease and desist. I am requesting the following from the company : 1. A copy of the original contract ( s ) bearing my signature that I actually signed on for the debt.

2. The payment history from the original creditor that shows payments made.

3. Name and address of the original creditor ( s ) 4. Proof that you own or been assigned to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Product: Checking or savings account

I was scammed by an individual claiming to be with XXXX, saying that my account had been hacked and charged {$430.00}. When speaking with this individual and screen sharing with them, they authorized {$590.00} from my account and sent themselves the money through XXXX through my Capital One account. When opening the dispute directly with Capital One, they denied my claim, saying there was no proof of me not authorizing the purchase. Even though I had never authorized this big of a XXXX transaction in the history of having my account open, they claim no evidence of fraud, therefore I am out {$590.00} that I desperately need.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to verify the below collections account and provide documentation to prove these are my debts and they have been unable provide documentation. I am requesting the below accounts removed from my credit report XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 XXXX XXXX XXXX XXXX furnished a collections account onto my TransUnion credit report. XXXX failed to contact me regarding the alleged debt before furnishing this information to TransUnion. Per Regulation F : 12 CFR 1006.30, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act, information about a debt before the debt collector : i. Speaks to the consumer about the debt in person or by telephone ; or ii. Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. 

XXXX did neither. They furnished inaccurate and detrimental information to my credit report without contacting me and allowing me to dispute the information or request validation as set forth by the Consumer Financial Protection Bureau. 

TransUnion failed to properly investigate this and provide resolution. Instead, TransUnion claimed that the account was verified as accurate.
Product: Credit card or prepaid card

This account is being reported inaccurately on my credit report. I see repetitive late marks and invalid date of last activity which is a violation. 

This is being reported with repetitive CO marks and the date of last activity in invalid, XXXX  shows XX/XX/2018, XXXX  shows XX/XX/2018 and XXXX  shows XX/XX/2018. All 3 dates should be the same!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/2020 I checked my online account and on one of my old cards there was a charge in the amount of {$21.00} to a XXXX XXXX XXXX. Then on XX/XX/2020 a charge of {$52.00} was charged to XXXX  XXXX  also. Then one XX/XX/2020 their was a charge to the same company XXXX XXXX XXXX for {$36.00} and also on XX/XX/2020 there was again another charge to XXXX  XXXX  for {$82.00} and also a XXXX pay money transfer of {$50.00} to a XXXX XXXX which I have no clue who he is. And I sure as XXXX do not know who was or is incarcerated in a correction facility. So I have tried for the past two months trying to dispute these fraudulent charges but was placed on hold for several hours and at one point all day with no one answering the call. This is a total of {$220.00} of my unemployment someone has took from me. So I am writing you to fix this problem before I go above and talk to the federal government about this matter. 

Thank you, XXXX XXXX
Product: Debt collection

Equifax verified the debt with XXXX as accurate and correct. On XX/XX/23 So I re-opened the dispute requesting proof of validation per law 15USC 1681 iii. XXXX they responded dispute complete # XXXX but did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma kept sending me pre-approved offers in a time when I was desperate due to unexpected XXXX  expenses. I applied for many and was rejected for all. Lowering my score by nearly XXXX points! My power was shut off and now I have so many inquiries, nobody wants to worry with me. 
Some credit card companies even ran my credit for multiple cards!! I have like XXXX inquiries and agreed to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 UCS 1681 Account name Account number First access XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : XXXX on XX/XX/XXXX. ( Please see the proof in the first attachment ) The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX ( Please see the proof in the second attachment ), but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of XXXX business days has now passed, and PayPal has not credited the reward. 

I had contacted PayPal support several times, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of today, XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My address was incorrect in Equifax system so I filed a dispute online giving them the correct information. They sloved the dispute but failed to correct it. I disputed again online and they did not fix it. I mailed in a dispute and they still have not fixed it.
Product: Debt collection

This account is too old and was not open in XXXX 2016 as stated in my credit report.
Product: Credit reporting or other personal consumer reports

I have asked that incorrect addresses, Names/ variations of name and employers be removed from my report. I have sent along with the request a picture of my ID and utility bill with correct address. It should only be one address and name on my report according to 15 U.S.C 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). Please remove inaccurate information. My tracking number for dispute letter is # XXXX. Thank you
Product: Credit reporting or other personal consumer reports

Citibank XXXX, Best Buy was made on XX/XX/2024 as a hard Inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I found Bankruptcy shows on my credit on XX/XX/XXXX and other Bankruptcy same I never filing on those days XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please help me on these this days are wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending the FTC report of identity theft in XXXX and XX/XX/2021 XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2021 threatening to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They committed identity theft by not getting consent to furnish negative items to my consumer report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. A complaint was initially filed and all these removed and they reappeared again. I called the XXXX customer to report the annomalies and I was told there were no hard inquiries on my account. Fast forward a few weeks later they appeared on my account again. These includes XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, Florida 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 ( Miscellaneous ) and XXXX XXXX XXXX Finance ). I would like to have these removed and the error fixed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX and I'm including it again. 
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
Product: Debt collection

I have been requesting info regarding a collection on my credit report from NCB Management in excess of 60 days with no luck. This debt is listed on all 3 of my credit reports. I have asked for the original contract with my wet signature authorizing this debt along with the original information from the original creditor with name ( s ), address ( es ), and phone number ( s ) listed. I also requested a breakdown of the billing and payment history along with the acquired proof of ownership showing the collection agency has the right to collect on it. This company, NCB Management, has been given ample time to respond with this information and has not.
Product: Mortgage

I have been paying my mortgage faithfully with Ocwen Mortgage for more than 2 years, I recently discovered they were not reporting my payment history as they are supposed to. 
I 've been in contact with all XXXX agencies of credit reporting bureaus. Ocwen. assured me each and every time that they have been reporting, however they are not reporting per my credit reflections, in return driving my credit score down by more than XXXX basis points, preventing me from refinancing my home. My loan is a fixed interest XXXX Mortgage. 
I have sent numerouse letters and received letters stating as such ( they have reported to all XXXX bureaus ) THEY HAVE NOT ... 
I 'm at wits end and very frustrated, It 's my understanding that per XXXX reviews on this company this is a ongoing problem and people are just as fed up as I am. 
So I ask how can the CFPB and FTC allow this company to operate in such a rogue way? 
There are many suits and complaints out there but yet, nothing is done about it. They are still treating their customers in a way that is operating against the law. Amongst other severe violations that have been documented. So once again how long can the Law continue to ignore this companies breaking of many laws?
Product: Mortgage

I have been requesting a copy of my note with my signature on my note for about XXXX  months both verbally and in writing ( XXXX debt validation letters and # XXXX is on its way ) The copy I have does not have any signature. I also requested to see the stamp on the note that says 'paid to the order of '. The indendentured trustee or trust bank should have stamped it paid to the order of. ( XXXX XXXX XXXX and XXXX XXXX bank is on the SEC.gov website ) The trust bank needs my XXXX  number to access my account. The trustee on the DOT is trying to foreclose with no note at all or a show he has standing. I know about the XXXX process. My note has been sold to investors and shareholders. Note and DOT are bifurcated. The financial statement I received that took XXXX requests and XXXX months later to receive ( was not debt validation ) states wrong information on payment history and home placement date. I have sent in payoffs only to have them ignored. I sent XXXX to the DOT trustee and he is holding it XXXX and is now foreclosing on my. That is fraud on his part. This entire system of justice is is only for the engourgent of the big corporations and not for the consumer. As a consumer I am furious at this legalized theft of what is ours that we paid for in full with our ( XXXX XXXX XXXX ) XXXX XXXX XXXX!!!!!