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

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove late payments, payments never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX SIMPLE Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Apartment complex
Product: Debt collection

I have been notified through mail solicitations that Bank of America is suing me. I have contacted them to try and attempt to settle to avoid a judgement and told nothing they can do. They sent it to a company who is known for malicious collection tactics and Im being sued in TX when the debt occurred in CA. 

I requested BAC please, as an employee, allow me to settle.
Product: Credit card

Citi closed my account on XX/XX/24 claiming that I was not able to maintain the security of this account. This is not true and I can prove this if needed. 
After many years of using this card for almost all of my purchase I had accumulated about XXXX points as per my XXXX statement. 
When I tried to call to redeem the points i was told they had been " forfeited '' because Citi closed my account.
Product: Prepaid card

After 10 business days after filing my claim with Netspend they determined that there were " No Errors " The claim was for XXXX spent while I was incapacitated and the card was not in my possession and I provided proof to XXXX . I find it impossible to make a determination I 'm 10 days, I feel that the problem is the amount of the claim, that they have a problem with, after several attempts to call them, I get hung up on or am on hold for 10 minutes or more and have even talked to someone in the corporate office and they have even made notes on my account that Ithey spoke with me on XXXX/XXXX/2016, when in fact they did not.
Product: Credit reporting

We are not able to get credit report. Based on your credit data, says that is the wrong address. 

We have been informed that my social security have been stolen. Please email me my credit report so this document can be provided to the police and I could file an identity theft request. 

My name is XXXX and I have been living my entire life in XXXX, NY. Since my arrival to this country I never change states. Here are my mailing address since living in the US. 

XXXX XXXX XXXX NY XXXX -- -- XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Present XXXX, NY XXXX
Product: Checking or savings account

I made several calls to CashaApp concerning my direct deposits and all they could tell me is how to find my account number/routing. I called Social Security and they said that it had been deposited into XXXX XXXX and it was not the same account number as CashApp. Then we finally called XXXX XXXX  to see what happened. Social Security and myself was told that They are no longer in partnership with CashApp since XX/XX/2021 and that CashApp was supposed to have sent out letters or email letting us the consumers know of these changes, but we received nothing. Because of this my money is stuck in ciber space waiting to be returned back to Social Security and I am waiting more days for a deposit that I should have had on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Segment 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for prosecution because of the pressure you have caused me. My data was additionally affected by the Equifax information break and may have gotten under the control of some unacceptable individual.
Product: Debt collection

This collection just showed up on my credit report never heard of this company never received any notice in the mail before this was put on my credit report no notification or anything
Product: Debt collection

Yesterday, I went to the bank to meet with a Mortgage consultant. She checked my credit and told me there was a claim from Trident Asset Management for {$68.00} in reference to a XXXX bill from XXXX and the last time they filed a claim was XXXX. I have never had an account with XXXX-not cable, not cellular, etc. I received a letter from Trident asking for this money a couple of years ago, so I contacted XXXX, who had no record of me having any account with them. 

I had no idea that this had been affecting my credit since XXXX and would like it taken care of ASAP because I am trying to buy a new home. 

I have read numerous complaints similar to my own for Trident Asset Management. I can not reach them on the phone and I do not feel comfortable paying a company that is fraudulent.
Product: Bank account or service

I received an offer to get XXXX XXXX miles from Citi Bank after opening a Citi Gold account and completing the requirements. I received a letter in XXXX stating that I had completed the requirements and I would receive the points within 90 days. The deadline I was given was XXXX XXXX. I did not receive my points so I chatted with Citi and spoke with XXXX on XXXX XXXX. I was told I would have an answer by XXXX XXXX. On XXXX XXXX I still had no answer so I chatted Citi online again and spoke with XXXX who told me I would get a response by XXXX XXXX. 

I called Citi on XXXX XXXX and spoke with XXXX who said he was opening up a second investigation into the situation. He said we would hear something by Wednesday XXXX XXXX at the latest. 

I called today and spoke with a manager named XXXX who said Citi had " run out of miles '' so we could not get them until at least XXXX. 

I have been told so many different dates and none of them are true. I have waited long enough and I need help figuring this out.
Product: Credit card or prepaid card

I was about to purchase an XXXX train ticket online for XXXX travel. An offer popped up to apply for an XXXX credit card and receive multiple points for the ticket I was about to purchase. I filled out the form and received the message back, in effect, " sorry, but your application was denied ''. I proceeded to purchase the ticket with another credit card. I went out of town on XX/XX/XXXX, and have not returned home since due to medical reasons. On or about XX/XX/XXXX I logged into my Bank Of America credit card account and was astounded to see an XXXX credit card account! Of course, such an account was not opened or authorized, as the single time I filled in information to apply, the application was denied. And the account appeared with a balance, which of course was wrong since I never used a nonexistent account! I called Bank of America and spoke with a seemingly helpful rep who apologized and confirmed he would immediately zero out the account and delete it as if it were never opened, as of course it should not have been. Fast forward to yesterday, and I logged in to my Bank Of America account to confirm the error was rectified and account disappeared, only to find the account is STILL listed, with a balance. I engaged in an online " chat '' with a representative who again promised to rectify the error by zeroing out the account, permanently deleting it from any association with me. But I just checked, and it is still listed. This situation has now cost me hours of time and more importantly severe aggravation.
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 XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

please delete all the faudulent accounts and inquiries now Account Name : XXXX XXXX XXXX Balance : XXXX  Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX - XXXX Balance : XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXXXXXX XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Please the following hard inquiries : Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Please the following hard inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX nquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

I was given a check, they put a hold on my only. i cant assess any of my funds, I cant pay my rent, I cant do the basics of life because I cant pay for anything, this all started about XXXX weeks ago. I've been told time and time again to just wait a few more days. when I asked if an investigator had even looked at my account I was told they hadnt.
Product: Mortgage

1 ) My Mortgage Loan Modification final document package has been dispatched via XXXX to a third party individual Notary Public, XXXX XXXX, to deliver in person the modification docs. for my notarized signature. Be advised, I am represented by Attorney-at-Law, XXXX XXXX since I filed Chapter XXXX Bankruptcy on XX/XX/2012 and I believe the docs. should have been sent to my attorney or myself in lieu of a third party who is not a Wells Fargo employee. Furthermore, if Wells Fargo 's intention was to ensure accurate execution of the modification documents they could have utilized a Notary at a banking branch office in my neighborhood. 

2 ) XXXX Attorneys employed with the law firm XXXX , XXXX XXXX XXXX XXXX, XXXX. ( this law firm was in process of foreclosing on my home in XX/XX/2012 when I filed Chapter XXXX ) are individually named as Trustee on the pending Subordinate Deed of Trust awaiting my notarized signature. 
3 ) I was given 12 day turnaround from the date of receipt of loan modification documents for my notarized signature, I was expecting at least 30 days from date of receipt for review and discussion with my attorney. 

4 ) My Mortgage Loan history is MISSING XXXX Property Inspection charges each assessed at {$15.00} each as follows : XX/XX/2012 XX/XX/2012 XX/XX/2012 XX/XX/2012 5 ) Over billing attorney fees and costs. Advertising costs in Texas and XXXX XXXX filing fees are over billed by foreclosure attorney. 
6 ) My loan was dual tracked in 2012 and a trial payment was returned NSF in order to begin foreclosure. I am in possession of all documentation in support of dual tracking as well as copies of 2 months of concurrent bank statements from XXXX XXXX XXXX showing available funds in my checking account at the time the check was returned NSF. 
All evidentiary documentation on above complaint issues are available and will follow under separate cover.
Product: Credit reporting or other personal consumer reports

Credence Resource Management has engaged in deceptive collection tactics, re-aging of debts, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite consumer disputes, this company continues to engage in : Re-aging of debts to extend collections beyond statutory limits. 

Reporting false debt balances to inflate consumer obligations. 

Failing to validate debts when challenged, violating 15 U.S.C. 1692g.

Harassment and aggressive collection attempts on already-settled accounts.

Supporting Evidence : Credit reports showing unlawful debt extensions.

Consumer disputes ignored despite legal validation requirements.

Harassment letters and debt notices pressuring consumers unlawfully.

Harm & Damages : Credit Score Damage from illegitimate collections.

Emotional & Psychological Distress from harassment tactics. 

Unlawful Financial Burden imposed on consumers forced to pay disputed debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my fiancee and I began the process of building a house. The loan company pulled our credit to get the loan process started. Mine pulled successfully on all credit bureaus except for Equifax, which showed an XXXX XXXX code. I called Equifax, thinking perhaps my credit was frozen. I called to find out that my credit was not frozen, and that there should be no error reporting. Equifax was clueless as to what error may have been happening. 

I got divorced and XX/XX/XXXX, and changed back to my maiden name in XX/XX/XXXX. Due to the fact that I was pulling the report in XX/XX/XXXX, I had the loan agency try to pull my information from my previous married name. It was successful at that time. Now, five months later in XX/XX/XXXX, we are to the point where our house is almost finished and the loan agency had to pull my credit a second time, and it HAS to be under my current maiden name for the loan to be finalized. Same error again. Equifax has no idea why it is happening and has been unwilling to help. This is threatening to hold up the closing of my house and the authenticity of my documents ( of being the right name ). I am at a loss for what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Vehicle loan or lease

I moved from California to New York in XXXX of XXXX. I took my XXXX XXXX Model Y financed by US Bank with me and am required to transfer the registration to New York. I have been working with US bank to get the required documents to register the Vehicle in New York since XXXX of XXXX and US Bank has repeatedly delivered the wrong documents, misled me about what is needed and how to get it, and just completely failed to resolve this issue and allow me to register the car for over 6 months at this point. This has put increased liability on me due to failure to adhere to the registration deadlines set by New York, opening me up for fines and tickets and having to carry multiple insurance polices due to this car only being registered in California putting me at risk for increased liability damages due to inconsistent coverage between the policies in the event something happens. This is besides the fact that carrying XXXX separate policies is ( XXXX in a high risk area of California ) is very expensive. On XX/XX/XXXX my California registration will expire and the vehicle will no longer be driveable due to XXXX Banks continued negligence in correcting this issue. At that point my options will be to park the car or pay irrecoverable fees to register the car in a state in which I don't live ( which I'm not sure but that almost sounds like fraud to me since I'd be saying the car will be primarily driven in California which it will not ). I have attached a timeline of interactions with US Bank, written requests for the documents sent to US Bank, and US Bank 's incorrect registration documents that have been sent to me twice rather than providing the correct documentation. 

Unfortunately this is the second time this complaint is being submitted. The first time it was submitted by my husband on behalf of me but rather than actually do something about it US Bank decided to ignore the complaint and close it because " they are not authorized to communicate with my husband ''. In the complaint it is clear my husband is listed as an additional contact and not the primary complainant so they could have just have easily reached out to me to resolve this but chose not to. Additionally I have repeatedly requested my husband be authorized access to this account on my behalf so that he may deal with any issues associated with it simply because I don't want to. This complaint is being submitted again without my husband 's information on it so that they might actually bother to look at it rather than sweeping it under the rug.
Product: Mortgage

We had applied for a XXXX  loan everything was going great came to the final week where they got a presentation for a house and ready to set the closing date. Then the mortgage company had the XXXX  assessor come by in the assessor did not include the pool on the work order that was going in. So the assessment came in at XXXX and the loan amount was for XXXX. Now the mortgage company is saying the XXXX  is not responding to the request for an addendum and it is now XXXX weeks past the date were supposed to close and we are still in limbo. We dont know where else to turn to get the answers on why its taking so long for either the XXXX  to respond or for the mortgage company to set a close date. Thank you
Product: Debt collection

I want to file a formal complaint against Midland Credit Management LLC for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Midland Credit Management LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with Midland Credit Management LLC including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management LLC provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Midland Credit Management LLC is blatantly false. I neither received any services or products from Midland Credit Management LLC or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
Midland Credit Management LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character.Midland Credit Management LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 
Midland Credit Management LLC has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) This company is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of this company constitutes clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift permanent deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account numbers XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
Equifax has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.