23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 


1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX *XX/XX/2019 * ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data System is reporting inaccurate and incomplete credit information on my consumer report I have no contract with nor have I gave them any written consent to report anything on my consumer report or report any of my nonpublic personal information to any agency. 
Medical Data System Inc has stolen my identity because I did not consent to them reporting any of my nonpublic personal information, with the intent to ruin my reputation, my credit worthiness, my character, coerce me and to extort me into paying an alleged debt. 
Pursuant to 20 CFR 1232g I have a right to privacy when it comes to my medical information 20 CFR 401.25 of the privacy act of 1974 also states that I have a right to privacy and non of non public personal information should be shared such medical information, finance transactions to any agency without my consent the consumer. 5 usc 552a I have a right to opt out of any reporting at anytime pursuant to 16 CFR 313.7 ( 7 ) which I wish to enforce it I am now opting out of any and all authorization that I the consumer my have given you written, non written, verbal, nonverbal pursuant to 15 U.S.C 6802 Also pursuant to 15 U.S.C 1692c cease and Desist all communications means the conveying of information regarding debt directly or indirectly to any person through any medium such as furnishing a credit report or reporting this account to any reporting agency. 
Be aware that selling my information to any other collection agency is aggravated IDENTITY theft and you will be civilly liable for all damages
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance :
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I, XXXX XXXX, made an uninformed decision on when I entered into the consumer credit transaction for this credit card on XX/XX/XXXX. There was no evidence of indebtedness, The only evidence of indebtedness was the agreement, however due to the uninformed decision the agreement is null and void Pursuant to 15 U.S. Code 1601. The terms of the agreement were not clear and conspicuous and the account has been charged off since XX/XX/XXXX. I have previously disputed this account and due to the inaccuracy it has been promptly removed from XXXX and XXXX. It is now adversely affecting my Experian credit score.
Product: Checking or savings account

They closed my account due to fees for my account like Bank fees or deposit fees or stuff like that it was like a monthly fee for your account and it went up like to like XXXX something dollars I haven't been able to use my account or deposit any money or even be able to open another account at another bank because of this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : 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 sent your company my dispute on XX/XX/XXXX which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Product: Debt collection

ACIMA DIGITAL FKA SIMP continues to report an account to XXXX with a balance of {$3100.00} that doesn't not belong to me. I reached out to them by mail but received lack if response. Provided Police affadavits and dispute forms, they continue to report to the bureau.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on m credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

My bussiness partner and me went to XXXX XXXX XXXX  and get the cashier check and deposit into my citibank account and the money was clear, and we went back to XXXX XXXX ask them to wire more money into my citibank checking account because we try to make a large withdraw from XXXX XXXX  and they dont have enough fun so i was thinking about them wire to my citibank account so i can make a large withdraw..after all the fund clear with proof of XXXX XXXX wire statement, and citibank didnt want to give me 30k withdraw and they close my account and not send me my remain ballance back since i need the money for investment please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. Three of these unverifiable accounts were deleted and three remain on my credit report. Two of three remaining unverifiable accounts that are listed, are Medical accounts therefore violating HIPAA laws as well as the FCRA. 
The letter also requested incorrect addresses be deleted. Those addresses were deleted, but on further review there is one additional incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit consideration nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my old employers, deleting my wrong name per my request. 
To date I have Not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Equifax did mail me a response letter to the verification and demand letter I sent them dated XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete account : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Credit card

I am XXXX XXXX XXXX and have been a customer of American Express for more than two decades. 

On XX/XX/2023, I called American Express and asked for a loan payoff to close the account. I recently retired and began to streamline my financial obligations. 

I was told the amount I owed, and I wired those funds on that same day and closed the account. 

I received no communication from American Express in XXXX and in XXXX I was notified that my payment was past due. 

I called American Express and told them that I was the victim of fraud since the account had been paid off and closed on XX/XX/XXXX. I didnt make any purchases. 

I did not hear from American Express until XXXX when I received a past due notice. 

I called American Express on XX/XX/2023, and repeated my fraud concern. 

Only then did I learn that American Express had determined there was no fraud and closed the fraud investigation. 

I learned that American Express had charged my closed account with a membership fee ( which is now reversed ) and the past due charges were two late fees on an account that was paid off pursuant to information that American Express provided and that account was canceled. 

American Express lacks sufficient internal controls. American Expressed charged a membership fee to a closed account. How is it possible to post charges to a closed account? This was done by American Express for their own benefit and to the detriment of their customer. 
Lack of communication. American Expressed has not communicated with me with a statement, phone call, or other method since the account was paid off and closed, despite an active fraud investigation, until the XXXX late payment notice. 
American Express is alleging that a customer can not rely on the instructions they provide by phone. 
When I called to cancel the account, I was transferred to an account retention specialist who made comments like closing the account will have a negative effect on my credit score. A seemingly threatening comment.
Product: Credit card or prepaid card

I have supplied Citibank with all evidence of the Identity Theft, Gift Card Fraud and Payment Fraud that has been transacted on my XXXX XXXX and XXXX XXXX XXXX. All fraud charges have been re-added to my accounts though they were moved off and then on by several people in different groups without the proper documentation or or even access to each others notes. This has made this very stressful and I have sent in all evidence over 20 times now. Now the Executive Credit Unit is involved and they added everything back to both cards which is not only incorrect but based upon very poor work and communication, save three employees, in the past. The only reason I had this forwarded to the executive unit is because the accounts were closed and for no good reason other than bad information gathering techniques, bad notes and incomplete understanding of the truth which I have proved is a Fraudster ( s ).
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 and confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 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. 
XXXX, XXXX, and Equifax are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over 18 credit disputes have been filed with XXXX, Equifax, and XXXX in an effort to resolve this situation. 

XXXX XXXX XXXX, Account Number : XXXX information being reported by XXXX does not match the information being reported by XXXX and Equifax. No late payments are listed by Equifax or XXXX. XXXX shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.
Product: Consumer Loan

I recently went to a Wells Fargo Bank located at XXXX XXXX XXXX to apply for a personal loan to pay off another loan that has a high interest rate. I went there because that is where my mortgage is held. I talked to a XXXX XXXX. She asked me what my credit score was. I told her it was XXXX to which she said the loan should not be a problem with that score. I filled out the loan application on the spot. After I was done with that, she started to pressure me into opening a checking account. At first I refused and told her if the loan goes through, I will consider opening XXXX. She continued to tell me all the advantages of having the checking account and she could open on the spot. She assured me that if I did or did n't, it would not have any effect on my loan request. I finally agreed to open XXXX and deposited {$30.00} into the account. Not long after I got home, I received a call telling me my loan was not approved. I finally figured out what was going on. XXXX XXXX was not interested in getting me a loan, but instead her interests were getting a commission for selling me a new account. This was solidified when I heard the news last evening. This bank has done numerous illegal and fraudulent things in the past. I now feel I was a victim of their latest actions. I did reach out to the management who assured they would investigate the reason for denying the loan. I was never contacted by phone, only by a unsigned letter from XXXX XXXX.
Product: Debt collection

i have no knowledge of this account and i am harassed on the daily by this company
Product: Credit card or prepaid card

On XX/XX/2020, I receive an unsolicited Visa debit card from U.S. Bank Reliacard , which lists its address as Cardholder Services, XXXX. XXXX XXXX, XXXX, IN XXXX. I tried to reach the issuer using its phone number but was unable to connect with a representative because the line was limited to digital responses. This is the second such unsolicited card received within the past two months, the other being from XXXX, which I understand is a XXXX affiliate. 

I have written U.S. Bank Reliacard to have the card cancelled and to inform it of the fraudulent issuance. My complaint is that issuers like U.S. Bank Reliacard fail to take appropriate steps to assure that such cards  are not issued at the request of fraudsters who then use the accounts for fraudulent purposes.
Product: Credit reporting

I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
Product: Mortgage

I filed a chapter XXXX in and was discharged in XXXX. I did not re- affirm my mortgage. I can apply for a FHA loan but not a conventional loan. after the crash of the market i filed a BK XXXX this should have been a " fresh start ''. I am being haunted by B of A who took almost 8 years to foreclose the property because the banking institution did not want to flood the market with foreclosures. They decide to finally foreclose in XXXX and my clock has started over and now the foreclosure has been freshly added to my credit reporting agencies. During the 8 years i reached out to, HUD, Countrywide and B 0f A, only to be denied options to avoid this and force them to act. instead, now i can not recover for 14 years from my chapter XXXX and start over. please guide me. i am exhausted of fighting this on my own. i am a victim of big banks serving themselves. ( Please be advised that my noted address is not the address in question. the property address in concern is XXXX, California. XXXX )
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One has denied me access to my checking account.

I called to inquiry why and was unable to get an answer. After I requested to speak with a manager or supervisor, I was placed on hold for an hour and a half. I still was unable to speak with someone regarding this problem.