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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$3500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number THE DATE IS NOW XX/XX/XXXX DISPUTE RESPONSE!!!!!!!!!! 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' ATTACHMENTS XXXX ( XXXXXXXX XXXX )
Product: Student loan

I am missing a full year of qualifying payments from XXXX. I have tried to have this addressed several times and they will not fix the issue. I was not in forbearance during this time and they were able to verify that I was not in forbearance. 

I am very close to my having my loans forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX XXXX letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my BKXXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my BKXXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For Experian, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from Experian, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my BKXXXX is still being reported as information to be known that they are on my BKXXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for Experian # XXXX. 

XXXX # XXXX, as of XX/XX/XXXX refuse to update my address to XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my BKXXXX, although it is acknowledge that the BK Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,
Product: Mortgage

I have been yrying to aell a house and pay XXXX to Wells Fargo to pay off the HELoC. The titltle company and i have been calling them daily for a week. We have received XXXX differemt fax numbers to send the authorization and release to. As of today, they can not verify they have have received the authorization. And wont talk with my loan closer on the phone unless I am on the phone. They also refuse to send a payoff quote so that we can finalize. They also refuse to let me take an aithorization to another branch office. As a result, te biyer may cancel the contract and we could suffer financial penalties.
Product: Bank account or service

I opened a Citibank Citigold Checking account in response to a promotional offer. The offer required two consecutive monthly bill payments and {$1000.00} in purchases. In exchange, I was promised XXXX XXXX XXXX miles deposited into my frequent flyer account. I confirmed the promotion was attached to my account, then after completing the actions I further confirmed that I had fulfilled all requirements for the offer. 

Citibank customer service said I had indeed done everything necessary and my points would be deposited within 10 days of XXXX/XXXX/2016. After those 10 days passed I contacted Citibank, and they told me I was ineligible for the promotion because I was not " targeted. '' That was never a requirement mentioned in any of our previous correspondence, and it seems like a deceptive practice to have the customer fulfill all requirements of an offer, wait months, and then be told that they wo n't get the incentive they were originally offered.
Product: Checking or savings account

On XX/XX/2023, I went to the Wells Fargo location at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and tried to open a bank account. I was told I need XXXX forms of id and proof of address. I gave XXXX forms of id and gave them my credit card statement with an address in XXXX. They told me since my address is not in XXXX that they will not be able to open me an account. I was also told that a credit card statement isn't proof of address. I tried to ask the manager, XXXX XXXX, and the woman at the desk, XXXX XXXX XXXX, what documents I need to prove my address and was told only a utility bill would suffice. I know that's not all that can be used so asked for the policy on what other documents I can use and was refused to see the policy because they're " internal documents ''. I've never heard of this policy before. I feel as if I was discriminated against and they made up some excuse of " internal policy '' as I was sitting there. XXXX is only a few miles from XXXX, can I not open an account in XXXX if I have a XXXX address? I'm also confused on why I was not provided a list of documents I can use for proof of address. As I got up to leave, the manager, XXXX XXXX, told XXXX XXXX XXXX, to pull up my profile. I told them I did not authorize them to pull up my profile and to close it. Why are you pulling up my profile and I did not give you permission to do so?
Product: Payday loan

I was told this a pre trail intervention to call and avoid charges being filed for wire fraud and check fraud and a warrant will be filed for my arrest his name is XXXX XXXX phone # XXXX
Product: Checking or savings account

I have been waiting on my direct deposit for two days I have now had my car insurance payment return and also my car payment I have incurred fees from both and I haven't received a valid answer if they will recover the fees of NSF due to the problem they are having. When I call I get hung up on and no one there seems to have a precise answer or even act like they care I have XXXX kids at home and I need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

The following informations apply : Purchases made total {$2300.00} Fees charged {$270.00} Interest charged {$220.00} Credit given {$110.00} Payments made {$710.00} ( breakdown {$170.00} and {$360.00} taken from XXXX, XXXX XXXX XXXX XXXX account {$120.00} and {$62.00} taken from Hawaii XXXX XXXX Payment made to Barclays were unauthorized because I did not authorize the payments. Inquiry from XXXX, someone from Barclays could have solicited the account and routing number for payment. The reason for not paying was no statement received. Barclays claimed I signed for paperless and statement sent via email but not a single email was received. Barclays sent me 4 sets of statements in 4 envelopes of different dates on XX/XX/2022 after making complain. There were 3 accounts involved ending in XXXX and XXXX which I am not fully aware of and Barclays claimed due to cards lost and fraudulent transactions. I have talked to several Barclays personnel to name like on XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( security dept ) XXXX and XXXX XXXX. On XXXX XXXX I talked to XXXX XXXX with ID no. XXXX and a manager by the name of XXXX in XXXX XXXX, I believed XXXX XXXX, Nevada for this problem to be solved. Please be informed that all of the times were all military time cause it is easier to tell if am or pm and I am a retired military. I proposed to the manager I am willing to pay in full everything I owe to resolve but I was disappointed. The phone no. I called was XXXX XXXX XXXX.
Product: Credit card or prepaid card

I spent about {$100.00} on a credit card I no longer knew I had, but was saved on a website. The credit card company never sent me a bill. By the time I found about it and figured out how to pay the bill six months later, they said I owed them about {$300.00} in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as 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: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports XXXX. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXX They refused to investigate that file for 2 years even while being requested to do so. Recently they have been provided documents probing illegal modification of personal file and have denied investigation even while this conflicting information invalidates the file
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This agency has put a fraudulent claim on my credit report in XXXX. 
XXXX XXXX on XXXX XXXX in the amount of {$250.00}. 

I informed this company that the debt that they claim is mine is not actually mine. I requested for a debt validation with some form or copy of a contract bearing my signature or ID copy in XXXX of XXXX I have yet to received said document and will never because it does not exist. 

I received a letter stating that this paper serves as a debt validation, however that is not the law. 

It is not my responsibility to prove that a debt is not mine. It is TRANSWORLD SYSTEMS ( XXXX XXXX ) responsibility to validate the debt with a form bearing my signature or ID copy and you Have not done so.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/18, I found a seller on XXXX who was selling 2 XXXX XXXX tickets for the XX/XX/18 XXXX XXXX  for XXXX dollars.

Link : XXXX XXXX XXXX  Post id : XXXX I pressed the reply button which went straight to my messages app to text him at XXXX XXXX XXXX XXXX XXXX and asked him about the listing and for proof of purchase. After he sent me a picture of his receipt from XXXX  I ask him to do the transfer through XXXX, which he then says he doesnt have and that I should use XXXX. I tried using the app itself, which didnt work so he tells me that I can use it in my XXXX XXXX XXXX app. I transfer him {$230.00} and text him right away. He says hes got it and to give him a second - this was at XXXX XXXX. I send him a text at XXXX, XXXX, and XXXX to get the tickets but no response. I call him twice as well and the phone keeps ringing and doesnt go to voicemail, meaning that he blocked my phone number. Apparently XXXX doesnt have fraud protection, which Im just learning about now and why Im filing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED CREDIT REPORTING AGENCY VIA USPS CERTIFIED MAIL ON XX/XX/20 ABOUT INCORRECT INFORMATION ON MY CREDIT REPORT. AND CREDIT REPORTING AGENCY DID NOT REMOVE OR MAKE NECESSARY CORRECTION.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 and confidentiality under XXXX XXXX XXXX. 

Account number : XXXX, Account name : XXXX, reporting on Experian, XXXX, and XXXX has violated XXXX rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  Experian and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

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 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 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 ) 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: Credit reporting or other personal consumer reports

I've been disputing this XXXX account on my credit report with the credit reporting agencies experian, transunion and equifax for the last 5 months but they have failed to conduct a proper investigation and continue to report the fraudulent account on my credit report I even filed a complaint and they did not address the fraudulent account and gave me a robotic response and extended the time on the resolution. This behavior is unacceptable AND unreasonable.
Product: Mortgage

I have a Mortgage with CitiMortgage. It is for a condo in XXXX XXXX XXXX, SC. I have had this Mortgage for 12 years. This condo requires Flood Insurance. The condo association is required to provide Flood Ins. Citibank and the insurance company communicate every year to confirm. This year they did not communicate. Citibank purchased Flood insurance for the unit in addition to the normal Flood Insurance I get through the association. They added an escrow to my account. Thats when I had to get involved. I connected with the Insurance group at Citibank. They provide an online portal to up load documents. I provided the information via the upload site. Citibank never received. Today, Citibank admitted that the site sometimes does not work. If you try to upload the same document twice, it will say it uploaded successfully, when it does not. Normally, I do not have to get involved at this level. We did not pay the escrow, and Citibank put a credit alert to my credit bureau that I had missed a payment. This was incorrect, we have paid every month on time. I am not sure if this practice is legal or ethical. Citibank is does care, and is requesting more fees and escrow payments even when they have proof of insurance.
Product: Debt collection

Two calls per day during work hours. Phone number used is XXXX. I have no account with this company so this is unsolicited communications. Any debt is invalid and any negative reports on my credit should be removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX I just got information from XXXX XXXXXXXX XXXX that moving forward, XXXX will be servicing this account. Please Delete the XXXX  XXXX XXXX Account from my profile from my profile. I have not given written permission for this account to be on there. 
According to 15 U.S. Code 1681 - Congressional findings and statement of purpose As A Consumer I have Right to Privacy, ( Accuracy and fairness of credit reporting4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ) Abusive Practices 15usc1692 ( 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 15usc1681 A # 2 ) ( 15usc1602 L ) Gramm-Leach-Bliley Act : They never explain this sharing of my information Any Violation under Truth and Lending is double the Finance Charge 1635 the failed to explain which is a Violation. 

I have not done any business with XXXX XXXX XXXX, I have sign any contract with XXXX XXXX XXXX. My Legal name is XXXX XXXX and not XXXX and there is no proof that I XXXX XXXX owe any thing on this account. I have not been provided any validation on this account. 

According to FDCRA, I have a write to privacy and I have not given any one permission to transfer any account of my mine or my personal information to any one. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

XXXX XXXX, XXXX is a Debt Collector who has reported a debt of {$480.00} to all credit bureaus. I do not owe that debt as it is not even under my SSN. This collection agency is committing a fraud by reporting a debt that is not under my social security number. 
I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. When I spoke with them they stated that the social security on their records does not match my social security number, but they still are reporting this collection to the Credit Bureaus. 
I do not owe this debt, it is not my debt.
Product: Credit reporting or other personal consumer reports

I keep getting a BLNK error saying I need to contact equifax.  They say to send my information to verify it's me. Then nothing happens.