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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS  are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX  SERV ACCOUNT NUMBER XXXX XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Citibank concerning the abrupt and unexplained closure of two of my accounts, which has resulted in severe damage to my credit score and overall financial well-being. 

On XX/XX/2023, I was shocked to discover that both of my accounts with Citibank had been closed without any prior warning or explanation. I immediately contacted Citibank 's customer service to seek clarification on the reasons for the account closures. Unfortunately, the representatives were unable to provide a satisfactory explanation for the closure of one of my accounts, and for the second account, their sole justification was that I had been late with a payment once. 

When I inquired if Citibank applies the same standard uniformly, closing consumer accounts solely due to a single late payment, I was informed that this was not the case. The representative could not provide a coherent explanation for the disparate treatment, I further asked the Citibank representative if there was any possibility of reinstating the account, he stated that reinstatement was not an option and offering no reasons for this decision. 

The abrupt closure of both accounts has caused severe damage to my credit score and credit report, which I believe is entirely unjustified. I can't help but shake the feeling that I may have been a victim of credit discrimination, especially considering the recent class action lawsuit against Citibank for discriminating against Armenian names. This raises serious concerns about potential redlining practices and prompts the question of whether Citibank engages in discriminatory practices against individuals of other races, ethnicities, or names. 

I am concerned that Citibank 's actions may be in violation of several consumer protection laws, including but not limited to the Equal Credit Opportunity Act. The lack of transparency and coherent reasoning behind the account closures is not only distressing but also raises questions about Citibank 's compliance with regulatory standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was on auto pay. Mohela says they stopped taking payments from my back account after having a letter they sent to me returned, although there was no change to my address. I made several requests for documentation of the returned letter in question to determine if it ever existed and, if so, to see why it was returned. They were unable to produce any documentation or explanation. I was unaware that the payments werent being debited as the emails they sent went to a junk folder. They admitted in my conversations with them that they never called my cell phone, which was accurately labeled as my current primary phone number, because their guidelines dont allow them to make automated calls to cell phones without some sort of prior authorization. Furthermore, they declined to have a human call me instead. Rather, they made three ( 3 ) robocalls to an old work number which was labeled alternate and no longer valid. 

So, in fact, Mohela did not adequately attempt to inform me by mail, phone and email that they were stopping the automatic payments, and therefore I was unawarecausing the account to inadvertently go into default. 

I wish to appeal and escalate this decision, so that the facts can be obtained and my credit report cleared of the negative reporting ( my FICO score decreased by 58 pts ) that resulted from Mohelas negligence in this case. Please advise.
Product: Checking or savings account

On XX/XX/year> an unauthorized person accessed my Money Lion checking account and through an instacash option with this company was able to remove {$2100.00} in an unauthorized on-line withdrawal. My checking account with my XXXX XXXX Bank was also accessed through a linked debit card that I had in place with Money Lion. I have spoken with both companies. The XXXX XXXX XXXX  fraudulent withdrawal from my account was {$1200.00}. My XXXX XXXX fraudulent withdrawal has been corrected by the bank and this money has been replaced while an investigation occurs. Money Lion have not been as easy to work with to have this resolved. I have called their customer service several times and have sent e-mails to them. Unfortunately, my hearing doesnt allow me to understand fully what the customer service person is saying related to their accents. The e-mail responses appear to be AI generated with no specific response to my e-mails.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate reporting on my credit file. DCU is in direct violation of the Fair Credit Reporting Act ( FCRA ) regarding one of my accounts. Several of my rights have been violated as follows : 15 U.S.C. 1681 Section 602 ( a ) : Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish account information without my written instructions.

15 U.S.C. 1666B : Specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I request that you remove the late payment and update this account immediately, as this inaccurate reporting violates multiple sections of the FCRA. 
Failure to comply may result in further action on my part to protect my rights under federal law.

I also demand for proof of any alleged debts under penalty and perjury by a notary witness. If you can not provide any details please correct the accounting. Until this is resolve my invoice will be sent to for {$XXXX} a day or other for the mental anguish triggered until we can meet on XXXX accord.
Product: Student loan

On XX/XX/year> I recieved an email in my response to my complaint about my student loan forgiveness after XXXX years/XXXX  XXXX. The email instructed me to consolidate my loans by XX/XX/year> in order for all my loans to be forgiven. I filled out the consolidation the same day. On XX/XX/year> Mohela sent me a forgiveness letter stating that my loans were forgiven effective XX/XX/year>. My account was XXXX out, my my credit report was updated to {$0.00}, and an account history statement was sent to me showing the writeoff on XX/XX/year>. Mohela then changed my account to show I owe the full amount and sent me a billing statement. Now they are pretending as if they never sent the forgiveness but I have attached the evidence to this complaint. This is bringing down my credit score and negatively affecting my ability to get credit.
Product: Debt collection

After an Emergency Exemption Hearing on XXXX XXXX, 2016, plaintiff attorney XXXX XXXX XXXX of XXXX asked to meet with my wife and I in the hallway. When we asked the questions, " Why did we not know about the lawsuit? '' and " Why does n't your office return phone calls? '' XXXX XXXX got very defensive and told my wife XXXX XXXX XXXX, " I know what you do for living. I can have you arrested for calling my office. '' XXXX went on to ask about all of the complaints filed against them from the XXXX Office, to which XXXX XXXX stated, " I 'm licensed in XXXX states. You have no idea how powerful I am, I know people and I know where you live. You better be watching over your shoulder. I WILL hurt you, and destroy your business ''. XXXX reached in her bag for her phone, and he tried to take it out of her hand. When she turned to avoid his grab, XXXX XXXX tried to grab a folder out of my wife 's hand, which contained the complaints. She backed up and told him not to touch her or her things. So, he grabbed her wrist and said, " Let me see what 's in the folder. '' XXXX pulled away from him, visibly shaken, and said to XXXX XXXX, " We 'll see you in court. '' We immediately filed a police report with the XXXX XXXX XXXX XXXX XXXX. XXXX # : DP XXXX.
Product: Checking or savings account

First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. 

I can send you PDF copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. Let me know what information you need to resolve this matter.
Product: Credit card or prepaid card

I had lost my wallet back in XX/XX/XXXX. I called for a replacement card from Citibank. My bill was due and I was locked out of my online account. I could not activate my account until I received the new card ( I was told this by customer service ). A month now goes by, and I still have not received a card. Now I am aware my bill is now passed due. I called customer service again. They again " sent '' out a card. 

As of today, XX/XX/XXXX. I still have not received a new card and am now in collections because I have no way of accessing my account. This is damaging my credit score.  Oddly enough, Citibank easily sent me a collections notice, but no card. This is now 5 months without a credit card!
Product: Student loan

I had originally attended XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX of XX/XX/2010, with the intention of pursuing an XXXX in XXXX XXXX, however the program itself was over {$32000.00} i had ended up finishing my degree owing more then {$56000.00} worth of loan of course including the combination of federal and private loans. Currently I am making my payments towards a lending service called Genesis lending of which i owe more than {$12000.00}. Unfortunately my current financial situation is not the best and to make monthly payments is almost difficult. They had promised me a career in Major and the only thing that they were able to give me was a part-time job as a XXXX. In my honest I feel that what that school had to me and many others like me was a great in justice. and now in order for me to continue my education I would have to pay for it out of pocket without any assistance, and to be frank there is no greater tragedy especially for someone of my age who has his whole life ahead of him.
Product: Debt collection

Dear CFPB, I am so chocking today that a company names : Midwest recovery system did HARD pull on my credit bureaus and put a DELINQUENCY XXXX $ collection debts that I dont have no clue what is it and where that coming cause I never received a billed letter to my address until today they fraudulently entered to my credit reports and take they feet down to my neck and messing up my credit score and my credit report.In that particular case I want Midwest Recovery System take immediately action and removed this item from all my 3 credit bureaus..Thank you very much! Please CFPB, received my most sincere Greetings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported late payments to my credit during XXXX pandemic. The XXXX XXXX was put in place to protect consumer credit during the national crisis. I'm asking all late payments reported during the XXXX XXXX credit protection period be removed from credit report.
Product: Checking or savings account

I have my td bank account linked to an XXXX XXXX app, and td bank is not updating my account balance to the app
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX Incorrect DOB : XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received a email from XXXX  XXXX saying I applied for a loan in which I have not please remove this inquiry off of my credit report
Product: Debt collection

Title 15 US Code Fair Debt Collection Practices Act. XXXX XXXX knowingly sent a debt that is not owed to them to collections resulting in the matter being placed on my credit report. 

When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well, that 's not typically what happens, sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this, I felt very harassed. If this company has recordings like it should, then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. Also, remove the fraudulent and/or inaccurate inquiries on the report. I have attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement offer to pay 50 %, on XX/XX/XXXX, of a cash loan that I received from the original owner XXXX XXXX  XXXX XXXX, to receive a {$0.00}, balance with the collection company NCB Management. Services, Inc. 
On today, I spoke with a supervisor XXXX XXXX, at NCB Management regarding my XXXX  credit report that has large C 's for each month starting with XXXX, XXXX. NCB did Not have my case file at this time because my account was not in Collection 's at that time. I asked Mr XXXX to please remove this error from my report of anything prior to the date he obtained my file, which he said it was XXXX, XXXX. I am also not certain if this is correct or not. He asked me to send him proof, I did so immediately. Afterwards, he had a letter emailed to me with my payoff amount. The lady, XXXX from this company wrote on the letter that I could not contact Mr. XXXX via email, but he just had me to send the proof via email of the Collections starting back before they acquired my file, and nothing could be done about the prior collection notes. 
This is not fair at all, I am positive that this company can do so but refuse to do so. 
With the pandemic everywhere and millions of jobs gone, we don't need this aggregation with our credit reports, as we are doing the best that we can do.
Product: Debt collection

XXXX XXXX XXXX, XXXX. mailed me a collection letter on XX/XX/24 requesting to pay a debt that doesn't belong to them. I didn't authorized this company to have any information of myself or my finances. I request XXXX XXXX XXXX, XXXX. to prove any document signed by me authorizing them to collect any moneys from me and they didn't do it. 
Therefore, their actions are XXXX and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co on XXXX XXXX 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX  and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation. 



If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX