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

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX  Balance {$10000.00} XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX  XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX {$10000.00} XXXX XXXX  XXXX  XXXX Balance {$10000.00XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX  Balance {$2400.00} XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX  Balance {$1900.00} NOT REPORTED XXXX Balance {$1700.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

CItibank has decided to block access to my funds an account so i contact them. when i did they claimed they needed to obtained personal information and that is why they blocked my account. despite providing the information it took them 24 hrs until i was able to access my account. this incident occurred on XXXX XXXX on XX/XX/XXXX they did this again and when i called and spent 3 hrs on the phone they admitted it was a mistake. however account is still blocked for the weekend. i have been a customer for 28 years with high net worth and funding. this case needs to be reviewed and compensation to reimburse me for my time spent. 
mind you as we write this letters account is still blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under  warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

To apply for credit I am askled to verify information shown on the credit bureau records. I don't know which of 3 they are using. This has been going on for many years. They are using information from someone with the same first and last name but a different middle initial. Over the years I have been able to have his credit cards etc. removed from record but nothing else. I was asked about his wife and son 's ages as well as where he went to school, the school mascot and the name of the State where he owns another property. I can not possibly answer these questions. Over the years I just accepted the fact there is nothing I could do and maybe that will just have to follow me the rest of my life. I will take any suggestions. I know the other persons name but I guess that is of no value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with Experian as being fraudulent and they refuse to investigate and remove these accounts. They are in violation of the FCRA. Experian account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NowCom/Westlake Financial have accessed my consumer report without my authorization. Unauthorized use of a consumer report is unlawful and is identity theft. I never gave them permission to access my consumer report I have never heard of this company. I never gave written or oral permission to obtain my credit report. Please delete this inquiry immediately. 
This inquiry occurred on XX/XX/2022. 
My name is XXXX XXXX Last 4 of my social security number is : XXXX
Product: Checking or savings account

XX/XX/XXXX my balance fell below the {$300.00} minimum which I was not aware off since I did not check my Bank of America Savings account. And was charged the {$5.00} maintenance fee until XX/XX/XXXX so for 10 months a total of {$50.00} in fees when I realized that then I contacted customer service in XX/XX/XXXX and they were only able to credit me {$10.00}. And was told that I need to maintain {$300.00}. So that is what I did to maintain the {$300.00} minimum. 

Then to my surprise I was charged another {$5.00} maintenance fee for the month of XXXX on XX/XX/XXXX and that caused my balance to drop my balance below the {$300.00} minimum so in XX/XX/XXXX I saw what happened so I contacted Customer service and they refunded me the {$5.00} maintenance fee. 

Then to my surprise on XX/XX/XXXX I was charged another $ 5 monthly maintenance fee. I guess now I am told that if anytime during the month if the balance drops below {$300.00} then I will be charged the monthly maintenance fee so it looks like that happened between XX/XX/XXXX to XX/XX/XXXX but the reason why that dropped is because your $ 5 monthly maintenance fee caused the drop in balance and all this issues. So it was due to them that caused the drop below the {$300.00} due to the fee. So in retrospect I should of been credited {$10.00} not {$5.00} for XXXX and for XXXX instead I was charged another {$5.00} fee in XXXX. 

All I am asking is to refund me the XX/XX/XXXX {$5.00} maintenance fee because it was because of your system that caused me to drop below the {$300.00} minimum. 

You could say it is my fault for not paying attention and not understanding the rules but as a customer your practices are not consumer friendly and really what you should do is in the Account summary page highlight a warning that the minimum amount is not met and that maintenance fees are warranted. For now I will have to add extra funds to make sure even if I get charged a fee that I don't drop below the {$300.00} minimum. But your practices in fees are really questionable and not consumer friendly. I am sure this is also happening to others and not just me.
Product: Checking or savings account

On XX/XX/2019 I pre-authorized check # XXXX in the amount of {$300.00} from my Bluebird account, payable to my landlady. She deposited the check on XX/XX/2019. I received notification via email as follows ; Your Bluebird check was paid on XX/XX/2019. The check details are listed below. 
Pre-authorization Date : XX/XX/2019 Expiration Date : XX/XX/2019 Check Number : XXXX Check Amount : XXXX. 
Followed by another notification via email as follows ; We are writing to let you know that we were unable to honor Bluebird Check XXXX for {$300.00}. 
I called Bluebird customer service to clarify this as my check for {$300.00} was duly pre- authorized and funds taken from my account and was told, in essence, that this was a " system glitch '' they were working to correct and the funds would be returned to my landlady 's account. Her bank had " bounced '' the check by XX/XX/2019 and charged her a {$12.00} fee. The amount of {$300.00} was subsequently returned to my Bluebird account instead of to my landlady 's. I had to retrieve the {$300.00} plus {$12.00} fee cash from my account as she would no longer take a Bluebird check. In addition to the inconvenience and embarrassment of my rent check bounce I had to reimburse {$12.00}. All because of a " system glitch '' by Bluebird. I need them to at least, reimburse me that {$12.00} fee charged by my landlady
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery 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 XXXX  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.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 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
Product: Mortgage

I sold a house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loan was paid off in XXXX. Last month, in XXXX, 5 months after the house was paid off and cleared escrow, I received a call from PHH Mortgage, claiming I requested a charge back of {$750.00} and it was sent to the requester, I believe, two days later. I informed them I do not request the charge back and verified it through three way call with my bank. I even went as far to have my bank verify that Ive had the same checking account for over 30 years, that I do not have any other accounts and that I have not received the charge back. They gave me the last for of the account # that it was paid to and it clearly was not mine and they couldnt provide proof of who requested the charge back. Even after providing proof, they wont stop calling me and sending letters.
Product: Student loan

I have been on XXXX for 3 years. I was never offered lower payments, instead was told I need to purchase a forebarence, I did this several times until Navient told me I was out of forebarence/deferments and Private loans do not qualify for XXXX forgiveness like Federal loans and that my social security XXXX payments would be garnished if I did n't continue paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$9400.00}
Product: Debt collection

A company by the name of Midland Credit, phone number XXXX, keeps calling my work number during working hours, they ask for me but if I am not available they are rude and once put in my voice mail, they never, never leave a message. I do not even know what this is in reference to. They need to stop harassing me and my co-workers. Thank you for your assistance.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX from Genesis credit reached out to me regarding an outstanding debt to XXXX XXXX for an apartment I vacated back in XXXX. The representative requested I pay the amount of {$2600.00} quoting an invoice the rental company sent in XXXX of XXXX. Said invoice charged an alleged unpaid month of rent, XX/XX/XXXX. I explained to him that the invoice he was using was preceded by a redacted invoice sent in XXXX of XXXX where the rental company accredited the month of rent for the amount of {$2100.00} which was the result of a promotion the company had that consisted of the first month of rent being free if I moved in within a certain date but their system wasn't updated properly and it didn't recognize the unpaid first month as part of the promotion but rather tagged it as unpaid. After I reached out to the company, they provided the credit under - Unapplied Payments/Credits on XX/XX/XXXX, with the credit description of " rent '' thus confirming this was an error on their end and bringing down the balance to a total of {$410.00} I explained this to the representative, and he stated that this information was irrelevant to his duty because his only job was to " collect the debt ''. I have sent him my statements showing the rent payment and I have provided the redacted bill from the rental company, but he claims that I must pay the {$410.00} in full for him to validate my dispute and it is required for me to show " good faith '' by paying this in order to him to investigate. I stated I do not feel comfortable paying this amount without him properly validating and adjusting the claims and he said that if I refuse to pay, he will note my account as " refused payment '' and he will send me directly to the credit bureaus. I feel this is abusive in his part, as a representative of a debt collecting agency, I feel it's his duty to validate my claims specially having provided him with evidence that support my dispute and I feel coerced into making a payment without being given the courtesy to validate my claims. I am afraid that after I make the payment, he is demanding he will not move forward with investigating my claims and then I will still be sent to collection for the amount I'm being wrongfully charged. 

In the three interactions I have had with this employee, he has used every tactic in the book, manipulation, intimidation and coercion to try to get me to settle and pay the amount he deems appropriate. If they are doing this to me, they're most definitely attempting to take advantage of others, I have the fortune of working in Finance which allows me to know better than to give in their tactics, but what about those who are not familiar with their rights? They get taken advantage of or worse, sent to collection without due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my balance in full with Kohls in my charge card. They are still reporting that I have compromised with partial payment. This is a red flag with my employer and effecting my employment eligibility. I need this reported correctly urgently.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

T

hey are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting an account onto my credit report that does not be One to me and I have submitted and identity theft report in the past According to FCRA Im due a proper investigation which provides documentation showing my signature giving permission to gain lines of credit. I would like this account removed from my credit report if proper debt validation isnt completed. This is a violation according to FCRA. 
Should you choose to be negligent in rectifying my aairs, I will initiate monetary arbitration in small claims against XXXX, Experian XXXX XXXX I WILL BE LISTING BELOW FCRA POLICIES THAT ARE BEING VIOLATED : 15 U.S Code 1681c- 2 / 15 U. S Code 1681b- 15 USC 1692 g / 15 USC 1681i / 15 USC 1681e Section 609 of FCRA / FCRA 623 ( b ) ( 1 ) / FCRA 623 ( a ) ( 2 ) / FCRA ( a ) ( 6 ) ( b ) FCRA 616, 617, 621 / FCRA 605B Account : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$20000.00} XX/XX/2020
Product: Credit reporting or other personal consumer reports

I've identified unauthorized hard inquiries on my credit report, violating 15 USC 16c-2. Please remove these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the process to remove a fraudulent inquiry over a year and a half ago, and they still haven't fixed it. I have first-class mailed the information they required Over five times. Every time I call them back, they claim that they need more than what was needed, even though the last person never mentioned it. I have spoken to managers, and each has different requirements on what needs to change or removed from the inquiry. It's affecting my credit, and I want it removed. I even sent in proof of the police report stating my wallet and identity were stolen.
Product: Checking or savings account

I made a purchase on  XXXX / XXXX / 17  with  PayPal and chose the pay after delivery option. I had the money but with the seller wanted the assurance that the item would come. At the same time I was moving bank accounts to a new account. Reaching out to PayPal was futile and they restricted and locked my account. I told them not to charge the old bank but to charge the new one. They did n't listen and ended up overdrafting my account. They told me there was nothing they could do and I had to talk with my bank. I just want to pay for my item.
Product: Debt collection

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX caused an unlawful eviction to be executed upon my home, when they do not have a valid court order or valid legal reason to sue me in court period. Enforcement officers insisted that we take up this matter in court. But this is wrong. The officers should have applied due process or the Law first. They have shifted the burden of going to court to aggrieved citizens. 735 ILCS XXXX plainly states that possession orders older than 120 days are invalid and unenforceable. 735 ILCS XXXX ( g ) also says that orders of possession can not be enforced against residents generically named. And yet this is what happened. The order that was wrongfully enforced was entered without jurisdiction ( in violation of the federal False Claims Act, state consumer protection law, and Fair Housing Law -- among others ) XX/XX/XXXX is roughly 3 years old. And it fails to name XXXX XXXX, one of the residents who was threatened with arrest for trespassing and forced to leave XX/XX/XXXX. On this same day, XXXX XXXX had the locks illegally changed. This man is a house thief and is seeking to sell my property with all of our belongings in it, " As-Is '', with no guarantees, asking for cash up front. I spotted such an ad on XXXX and XXXX. Neither XXXX XXXX or XXXX XXXX  XXXX XXXX were named as plaintiff parties to the unauthorized foreclosure-related eviction actions filed 3x under seal in the wrong municipal district of the XXXX XXXX Circuit Court . Yet they were on the scene when XXXX XXXX Sheriffs showed up. When I filed formal complaints with the CFPB respecting the illegal court actions filed by XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX parties denied any responsibility for the actions. XXXX shifted the blame to XXXX Mortgage XXXX XXXX. And in its response, it referenced the transfer of mortgage loans. So HSBCXXXX and in turn XXXX must have transferred a non-performing, securitized void mortgage created without the proper licensing to these real estate companies or professionals. Nobody in my household is indebted to any of these parties and my home-ownership can be corroborated by a title report and tax records. The parties ' claims spring from false and fictitious filings submitted to courts, land recording systems, and local governments. They need to be charged, because it is a crime to submit fabricated documents and evidence to peace officers or public officials ( See 720 ILCS XXXX and XXXX ). XXXX XXXX is currently trying to get us to abandon the property altogether by making arrangements to move our stuff, when he has no real rights in the property.