23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  {$10000.00} XX/XX/XXXX XXXX XXXX XXXX 
{$4900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$5600.00} XX/XX/XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS uld PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XXXX XXXX XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a credit card with Bank of America since XXXX that I use quite often. Due to some financial difficulties, I was usually up towards the top of my credit limit, but would make at least my minimum payment on time. I was able to pay off my {$3900.00} balance in full this week, and when I went in to check my card it would not come up and I was told there was no account for my login and password. I went on to contact the number on my card and was bounced around to various people which seemed to be in the same area with no answers. I asked them who closed my account and why. I was told no one has that information and they couldnt tell me anything but I would get a letter at some point. For this to happen with no notice or backup information is ridiculous. I have essentially been punished for paying off my balance. If I continued to pay small amounts, I would have been able to use the card for {$100.00} each time or whatever. The fact that they would not provide me with any information or allow me to speak with a supervisor at any point when asked, is horrible.
Product: Mortgage

I contacted Select Portfolio Servicing on XX/XX/2022 to advise them of my previous telephone calls stating I would pay the escrow deficit in two payments. On XX/XX/2022 my regular mortgage payment was submitted with my online banking institute. XX/XX/2022 {$500.00} was also submitted for the specified ESCROW DEFICIT. Having spoken on XX/XX/2022 to XXXX who did not give his last name, I told him about the agreement on the payment of escrow and the previous telephone calls, I was told he knew nothing about any agreement and I then asked to speak to a supervisor, he told me none was available, I asked a supervisor could return my call, he said no, I will receive no calls from any supervisor and insisted he was the one to handle this situation and would not allow me to speak with any other person. He told me have a nice day. I told him I will contact the Consumer Financial Protection Bureau. Be advised all these call are recorded when you give permission which I did. Please listen to all the telephone calls. I am giving you permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the Equifax data breach and may have gotten into the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block and remove the fraudulent accounts and addresses listed below from my credit report. These items are the result of identity theft and fraud occurring during my period of trafficking. Under FCRA regulations, I expect TransUnion to take action within four business days upon receipt of this complaint. 

As a XXXX XXXX XXXX the following accounts were not opened, authorized, or initiated by me and result from identity theft and fraud : 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  Additionally, the following addresses, which I never resided at, were fraudulently added to my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have attached the following documentation, which has previously led to the successful removal of these accounts and addresses with other credit bureaus : FCRA Section 605C Self-Attestation Form Identity Affidavit FTC Identity Theft Criminal Complaint # XXXX Utility Bill
Product: Checking or savings account

I had a Checking and Savings Account with Citibank Texas and at the beginning of XXXX they decided to close my account for reasons that remain unclear. Since that time I have called Citibank over 200 times requesting that they send me my {$26000.00} that was in my account. Each time I call Citibank, the customer service give a wide range of different and conflicting responses such as check was mailed out to you already or that it will be there in 3 business days. It is clear to me that for whatever reason Citibank does not want to release my funds. Therefore, I have no option but to expose them for their bad business practices.
Product: Credit card

In May I got an XXXX XXXX credit card due to traveling. I was supposed to get my suitcases free but there was an issue and I ended up getting charged for them. At the time I did not realize I was charged for them and contacted XXXX  who refunded me. But during that time I was charged a late fee. I called Citi cards around XX/XX/XXXX to discuss this case and they said they would waive the late fee and I gave my checking account number if there were any other issues while I waited for the refund. The agent took my checking account number and said payment went through. About a week after this call I started getting calls with voicemails and emails everyday. So I called back and they reported that they added another late charge because the checking account number was not right. I reported that I gave the number twice to the agent and he said " payment went through. '' After spending about an hour on the phone with them they waived the late fee again and I gave my checking account number 3 times and the agent said okay " payment went through. '' At that time I also closed my account. A week later again I started getting phone calls with voicemails every day and emails. I called back around XX/XX/XXXX to discuss my case again. After an hour on the phone it was a similar outcome with them saying everything is okay and I paid. A week later I started getting phone calls with voicemails every day and emails. At that time I called back to discuss that I was sending a check in. They informed me that they added a late fee again. I discussed that I had been trying to resolve this several times. After almost 1.5 hours on the phone I told them that I would be sending a check into them because they are having issues with something. The agent said okay and I said put a note in my file that a check is being sent XX/XX/XXXX. About 4 days later I started getting calls every day with voicemails and emails about late payments. I call back and they added another late fee. I discussed that the check is in the mail and the agent said they would give it 7-10 days to get there. The agent said they added another late fee. I said the check is in the mail so I should not be getting a late fee. On XXXX I got an email saying confirmation of payment. Then on XX/XX/XXXX I get an email that I haven't paid. I do not know what to do. I feel like I have taken the appropriate steps and I have paid but I literally feel like I am getting harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I have applied for a personal loan with XX/XX/XXXX for a amount of {$5000.00} and after a few days have withdrawn from it but turned around and paid off the loan within 10 days. Once I checked my accounts status with XXXX, I have noticed this loan no longer exists on my app and was removed, I have called XXXX to find out why it is no longer there and/or available to me, so I was told this loan was removed since I paid it off and no longer is available to you. I disputed this issue with their Credit Reporting Department and was told " they are not able to remove this hard inquiry from my credit reports ''. 
I should have been informed about pros and cons of XXXX personal loans, the available funds should have been available to me as needed, and hard inquiry should be removed since the life of the loan was less than 10 days.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX regarding their mishandling of my credit dispute. Despite my efforts to resolve this matter, Experian and XXXX has failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to investigate disputed information and correct or delete inaccuracies. The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Experian and XXXX has claimed to investigate and validate this account. However : They did not provide the required method of verification as mandated by FCRA.

The same account is reported differently by both Experian and XXXX, highlighting discrepancies in the accuracy of both reports.

They failed to remove the inaccurate collection account, despite evidence provided.

This lack of compliance is particularly concerning in light of the CFPBs recent lawsuit against Experian for conducting inadequate investigations and failing to remove unverifiable information.

I request that the CFPB investigate Experian and XXXXXXXX XXXX handling of this dispute. Specifically, I ask that they both : Provide the method and details of their investigation and how they verified the account.

Remove the erroneous collection account from my credit report if they can not substantiate their claims of accuracy.

Thank you for your attention to this matter. I look forward to your response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to rectify this issue with Navient. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with Navient and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and XXXX  XXXX, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are four fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are still listed on my credit report. 
Experian is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Experian with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Experian meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity, and address. 

Sincerely, XXXX XXXX
Product: Debt collection

As of XX/XX/XXXX, this creditor has attempted to garnish my wages from a judgement from XXXX. I was never given the correct notice or opportunity to dispute debt. Only sudden garnishments from my wages. Ive called to reconcile and dispute this issue and has been unsuccessful. Even until now my wages are being garnished. Regardless of XXXX statue on evictions, which can only stay on my record for XXXX.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. ( XXXX XXXX ), ( XXXX XXXX XXXX. )
Product: Payday loan, title loan, or personal loan

I borrowed a loan from Speedy Cash for {$880.00} the last week of XXXX and I was informed only about my payment due dates on the days I get paid from my job which were {$120.00} at the time. On XX/XX/XXXX, I paid {$300.00} on my due date to drop it down to {$580.00} left to pay it off. Whenever I do my payments I receive an email and a text message of my updates. Today on XX/XX/18, I was going to pay {$200.00} to bring the loan payments down and as I checked it, my payment went up {$120.00} that I have to pay {$700.00} which shocked me. I was never informed about interest or my loan would increase within 4 days. What will be the point of doing my payments if it will increase back up within 4 days, which is putting me in a financial struggle and I need assistance on finding a solution for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just requested a annual credit report and it indicates 3 addresses in which I have never lived. One address I do not know at all and believe it is associated with identity theft which occurred 2008 and was reported. 
The other two are addresses of my ex husband. Please remove these addresses. See below I have never lived at : ( address is present possibly due to theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily My ex husband XXXX XXXX currently lives at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family He moved from this address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family Please remove these addresses from my report as i have never lived at any one of these. Thank you
Product: Debt collection

On XX/XX/XXXX, I received a notice from American Coradius International, LLC informing me of a debt collection attempt on a non-existent XXXX credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with XXXX. On XX/XX/XXXX, I received another collection notice from the same company for a different XXXX account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with XXXX and that this is fraud. I also verified with XXXX that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different XXXX account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate XXXX accounts, which they are not according to XXXX.
Product: Debt collection

XX/XX/XXXX Subject : Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB, I am writing to file a formal complaint against the following debt collection agency LVNV FUNDING LLC for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

LVNV FUNDING LLC Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt amount listed on consumer report : {$620.00} Date Opened : XX/XX/XXXX I have received a communication from LVNV FUNDING LLC regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Product: Checking or savings account

My accounts, checking and savings accounts, were both recently flagged for fraud and closed on the very same day without any explanation whatsoever from the bank ( Truist ). I had these two accounts for literally less than two full weeks, and it was locked twice by the bank for fraud. The first time they locked it, I called in and once they identified who I was and that I was the account holder on my accounts, they unlocked it. Then, within 5 days of that incident, my account was locked once again without any warning or reason, and it was also closed within the same day also without any reason or communication from the bank as to why they did those very drastic steps in which I would label as a major over-reaction and unreasonable closure of my new accounts. The only transactions that I had done with my account was that I had received two XXXX transfers from my friend 's account that had owed me money, and they had overpaid me by {$300.00}, so I returned that amount back to them through cash app on the very same day. They sent me one XXXX for {$1000.00} and another one for {$500.00}. They only owed me {$1200.00}, and so I sent back the {$300.00} difference because of the overpayment. That was it! Asides from some very normal debit card purchases for fuel, and at a couple of stores in town, Those were the only transactions that were done on my checking account with this bank. The very next day my account was flagged, locked, and then closed for fraud, or what the bank may have erroneously perceived as fraud, and it was all done without warning, good reason, or communication. Also, I received no explanation whatsoever and when I called to find out what was going on, I got nowhere. I only received very vague and non-informative answers as to why my accounts had been closed for fraud when there was absolutely no fraud or any attempts of fraud, or anything that was even remotely fraudulent activity on my accounts with them at any time. Nothing. Zero. Zip.