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

I have 3 hard inquiries in different states. One other in California where I live but not in the same city. First is XXXX XXXX XXXX located in XXXX, GA XXXX XXXX XXXX XXXX XXXX. 
The second for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The third for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
The last one is for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I paid this Debt very recently they stated to me if i pay in full they would delete from my credit filed I paid in full and now they stat they don't do that after I already paid the full ammount.
Product: Credit reporting

EXPERIAN. I DISPUTED BY HAND A DETAILED SUMMARY OF WRONG NEGATIVES ON MY REPORT EXPERIAN ONLY SENT BACK A REPORT NOT INVESTIGATED GIVING EMBEDDED EXCUSES WHY THEY WONT TAKE OFF THIS WRONG INFORMATION. TELLING ME TO BE SPECIFIC. HOW MUCH MORE CAN YOU EXPLAIN BY MARKING ON THEIR PAPER WITH X 'S THIS IS NOT MINE. ADDRESSES INQUIRES, WRONG NEGATIVE ACCOUNTS THAT I MARKED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute and Request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collection Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute a collection account reported by XXXX & XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX my credit report. This account, listed as a collection account with a balance of {$770.00}, was last updated on XX/XX/XXXX. I believe this account is inaccurate and unverifiable. 

Per the Fair Credit Reporting Act ( XXXX ) and the Fair Debt Collection Practices Act ( XXXX ), I am requesting the following : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX must provide written proof that this debt is legitimate, including the original contract with my signature, a complete payment history, and documentation proving their right to collect. 
XXXX. XXXX XXXX If any detail ( amount, dates, ownership, etc. ) is incorrect, the account must be immediately removed from my credit report. 
XXXX. Compliance with Federal Laws If the creditor can not produce verifiable records within 30 days, this account must be deleted from my credit file. 

If XXXX XXXX XXXX fails to validate this debt, I demand that it be removed from all credit bureaus immediately. Failure to comply XXXX result in a formal complaint with the Federal Trade Commission ( XXXX ) and legal action. 

Please respond within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I made 3 purchases using my debit card of Bank of the west on XX/XX/XXXX, {$68000.00}, {$47000.00} and {$75000.00}. The merchant never sent the items so I opened a chargeback request with my bank, they never sent me a letter or claim number for those transactions. I requested information many times trought online banking and the answer always was " I will get an answer in 10 days '' something that never happened. I tried to contact the person in charge of my claim and never is available to take the call.
Product: Debt collection

I had no collections for months on my account and out of no where this collection is on my report. I have no knowledge of this account. I already had this deleted recently and now its back again damaging my credit score. I have no contact. No mail trying to collect debt. No reach out. Just reported randomly. No detail information on why I owe debt and no specific dates.
Product: Credit reporting or other personal consumer reports

Theres an amex report on my credit its a account in good standing by the way, but its not mine! 

It says that the account was opened on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my card report and noticed you are reporting the incorrect balance for multiple accounts on my report. Because XXXX and XXXX are reporting something different. My XXXX XXXX  card balance is {$78.00}. My XXXX balance is {$350.00}. My XXXX balance is {$450.00}. 
Also the collection XXXX was paid now is reporting by another collection agency. This account has been re-aged. XXXX XXXX is also a paid account reporting by a new company and also re-aged. They are reporting late payments as well. And 16 inquiries.
Product: Mortgage

We could not make our mortgage payments. We tried to do deed in lieu. Ocwen Loan Servicing kept sending us letters that are deed in lieu is the process. We tried doing a short sale before that but do to storm XXXX no one would buy. We waited almost 3 years with a run around from this company saying are deed in lieu is in process. Every time we tried to contact them they said they are missing a paper. They would say same thing no matter even when we resubmitted it. No would ever contact telling they needed the info. They told us that we did n't have insurance. To make a long story short, they basically made us wait so are bills would be outrageous. They finally accepted the deed in lieu last year. Now the tax XXXX says house is only worth XXXX. That is a total lie. My tax consultant said I would owe about {$40000.00}. They should be responsible since I had no way to contact these people. They outsourced calls to XXXX. No one ever listened to you. They would say I would have to wait.
Product: Credit card or prepaid card

I have had an account with XXXX XXXX for about 5 years now. Around 2 years ago we converted to using this card for all of our daily purchases due to the rewards program. Typically in a month we spend around 4-5k a month usually paying in full. The past couple months we have spent more than usual as we are in the process of buying a new house and selling our old one. During our entire history with this company we have always paid from the same bank account with NO returned payments. 

We recently closed on our house on XX/XX/XXXX and I made a large payment to pay the balance in full on the card since we had spent a little more than usual the XXXX payment was submitted on XX/XX/XXXX and has debited my bank account on XX/XX/XXXX. I was not notified until I called the company to ask why I was unable to use my card that they have placed a 10 day hold on my payment. After speaking with them I was informed that no one in the company had the ability to have this hold removed and the only reason I was given was I made a large dollar payment. I brought to their attention my banking history with them, the fact I routinely make larger payments on this card, and that it had debited my account already which means the payment cant be rejected but they still claimed that no one in the company could release it. I did request the company to provide the regulation that dictates they have the right to place a payment on hold for that long as I know this time frame exceeds what is allowed under funds availablity regulations. The customer service agent did not understand what I was asking for and could not provide that to me. 

This is not the first issue I have had with them. In the past 2 years anytime I have had to deal with someone in customer service they have been unwilling to resolve my issue or offering alternatives to assist me. One of these times the customer service agent actually told me that I was not a large enough client for them to assist me in what I was requesting. Another time I was told that if you arent happy with our policies then I should find another card. These issues were centered around a card that was lost in the mail and they would not provide any resolution other than canceling my card that expired that month and making me wait the 7-10 days for a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : 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 XXXXXX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2022 I received an email from Citibank, because I have a Citi Priority Credit Card, for a promotion on opening a checking account. The promotion was for various bonus pay outs based on deposit levels. There was a link on the email which I used to open the account. I also called customer service to verify that my account showed a promotion on it, after funding, since I had not received any confirmation of the promotion starting, follow-up, etc. Of course, Customer Service said yes, they did show the promotion and there was a 30-day period to allow funding, which I had already met. 

I funded my account for $ XXXX on XX/XX/2022, and maintained over that amount for the bonus period required ( 60 days ) and even further. I went over 90 days with my balance above $ XXXX. I still have around {$100000.00} in the account today. The promo was supposed to be paid out 30 days after completing qualifying activities and I never saw any payment. It has been 6 months since I originally funded the account and still no {$1500.00} promo payment so I messaged Citi. They said my account was never enrolled for the promotion. 

This is clearly a scam, as the link in the email should have allowed the promo to follow me to the account opening page. Also, Customer Service would have been lying when I called, and they confirmed. I am sure I am not the only one who has fallen prey to this scam. 

I am removing all of my business from Citibank. Someone from CFPB should investigate these checking account promotions and Citibank 's follow through on their advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX  CARD XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX with a balance of {$590.00} XXXX opened XX/XX/XXXX with a balance of {$0.00} The fraudulent inquiries are with : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The fraudulent addresses that shouldnt be reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/XXXX, I called XXXX XXXX to request a declaration page for my insurance since I was trying to get a home loan. They told me that I do not have insurance XXXX. I called the mortgage company, and they said they had been paying XXXX XXXX since XXXX. They discovered they had paid the XXXX XXXX, but it was to the wrong policyholder and not mine. I am still determining who made the mistake, whether it was XXXX XXXX or my mortgage. First, I had to call the mortgage company for proof of those payments, and it took them a long time to fax that proof. Then, I had to ask the insurance company to respond regarding the money they received. At this time, I have been trying to obtain insurance for my condo, but the insurance wants to avoid it because it did not have insurance for an extended period. 
In addition, XXXX XXXX does not want to reinstate my policy because they sent a letter to my home even though they have been receiving payments from my mortgage. Last week, I called the mortgage company, and they told me they would call me back. They have not returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunlight Financial NMLS ID XXXX XX/XX/XXXX has placed a solar order under my name and ran my social security with out my authorization I have not been in any kind of agreement or contact with them since XX/XX/XXXX when one of there door to door reps came to my home to silicate Solar energy, I emailed them regarding this order and that i didnt order this service there reply on XX/XX/XXXX was that they acknowledge my email and will contact the installer to email me, which means they are now attempting to install this service which was illegally ordered under my name, and my identity was saved in there database and unprotected,
Product: Payday loan, title loan, or personal loan

Obtain loan in XXXX of 2020. Loan amount {$3700.00}. Monthly payments of {$200.00} since XXXX of 2020. Like to pay off loan at lesser amount. Loan is now in excess balance of {$4000.00} at 65 % interest. NetCredit will not discuss early payoff until I pay more into the loan.
Product: Credit card or prepaid card

Citibank for the 3 rd time for no reason removed my credit limit from {$9000.00} to {$2100.00}. Just this last XXXX they fixed this problem and now XX/XX/XXXXXXXX XXXX XXXX Im having the same problem. I have never been late on any of my credit cards in my life. I have always maintained good credit. My mother just passed away XX/XX/XXXX th and Im trying to plan a funeral with credit I thought I had being ripped out from underneath me again for the 3 rd time. I have left phone calls and emails. I just wish someone would call me back and fix this again. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

After my previous CFPB Complaints were filed ( Complaint Number : XXXX, Complaint Number : XXXX, Complaint Number : XXXX ) records have not been properly addressed within my Consumer Report. The XXXX XXXX Account # : XXXX that you have listed on my Credit report as being XXXX Account is being reported inaccurately and is not accurate. I received a XXXX from XXXX XXXX  in 2023 ( see Exhibit AA ), and therefore can not be a collection account. Date last reported is inaccurate, because a XXXX was issued XXXX. 
As the Trustee for XXXX XXXX XXXX I must insist that this be deleted from this account from and Credit Report immediately.
Product: Debt collection

Hello please see attached I have tried disputing this with Transunion! I have paid this! Attached receipt. XXXX XXXX XXXXXXXX is the company and I have paid them!!
Product: Prepaid card

I filed an unemployment benefits claim for the pandemic and I was told that I didn't qualify, I later found out that the claim was indeed approved and someone had been receiving benefits on my behalf dating back from 2020. I tried to get in touch with the edd to file a claim and was told that I was under investigation for fraud. I tried to explain my situation to the bank of America and I since been receiving letters that the claim was approved in my favor but I have not received anything but yet I have statements stating that the money was spent. Apparently someone with all of my information was contacting the bank and acting as if they were me and was changing the information on my account and email and online account info. I have been defrauded of my benefits of the pandemic unemployment benefits claim and for my recent unemployment benefits claim because the claim was put on the same account as the pandemic account and I have spoke to Bank of America and I have tried to get them to close the account and open a new account to solve the issue but I was told that I needed to get ahold of the EDD to get a new account. My account is still being spent and I am still without the money from the two unemployment benefits claims.
Product: Mortgage

XX/XX/XXXX my mother ( XXXX and XXXX ) refinanced the mortgage the house through XXXX. This was sold to her by an aggressive mortgage broker using a interest only negative amortization loan, which I advised her not to due, because these were bad products. 
XX/XX/XXXX, I took title to the property and to refinance the loan. The bank ( now XXXX XXXX XXXX ) then started to return the Mortgage checks. I was then subject to foreclosure proceedings. In the midst of the mortgage market implosion. 
Them HAMP was made law and I met with a representative of XXXX and supplied them with all of the info that was required for a Loan Modification. When I called them back they never responded. I then received a letter offering HAMP and I faxed the info to the XXXX Office in XXXX, following up with them they advised they lost all of my paperwork. I was then advised by XXXX to send the package to their XXXX office which I did and followed up. But it was again lost. 
I was then served with Foreclosure papers that were fabricated by a foreclosure mill in XXXX and filed in the XXXX County XXXX Court, via an Attorney how was sued in XXXX County for filing false paperwork and was forced to cease operations. I now was being " Double Tracked, '' The interest and fees were increasing, they added on late fees and Forced Placed Homeowner 's insurance. 
Then everything went silent, as XXXX sold the Mortgage to Select Portfolio Services based in XXXX. Oddly enough the attorney group that was shut down earlier, then restarted their operation under a different name, XXXX XXXX XXXX. Literally the same guys. 
I have filed Mortgage Modification papers with SPS on 4 different occasions. Each time they ask for additional information and it is supplied. We have had at least a half dozen meetings ( Follow up Conferences as directed by the court ). 
This brings us to the end. I now have 45 days before the Stay on foreclosure will be lifted and the foreclosure will proceed.
Product: Credit card

I have had issues trying to log into my online account to view statement, charges, pay bill each time I contact Comenity Bank for my UltaXXXXCard they tell me to reset my password wait 10 days and resign in to no avail. I've been going through this since XX/XX/year> and tried to log in to day and I am unable to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CB/XXXX, XXXX XXXXand XXXX/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/XXXX, XXXX XXXXand XXXX/CBNA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.