23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

state and federal consumer law requires a VERIFICATION OF THE ACCOUNTING OF ANY PART OF AN ALLEGED DEBT. Verification requires a SIGNED affidavit and/or other documentation of truth for liability. I requested verification of the alleged accounting/debt and copy of contract ( s ) PROVING XXXX XXXX XXXX XXXX XXXX in the investment contract/securitization process of the alleged account ending in XXXX. I never received any verification as required by law. 

As a condition for allowing XXXX XXXX XXXX to use my tradename/trademark, this request for verification was the ONLY consent given to them for the use of my property, as I notified them on XX/XX/year> with certified mail XXXX. They ignored my request and attempted to use my property for unjust gain and apparent fraudulent activity. 

I have not received form 1099C regarding any charge-off from this company, however, they fraudulently use my personal information to defame my business character. 

They owe me the sum of {$500000.00} for the unauthorized use of my property as noticed in my letter/warning to them.
Product: Bank account or service

My complaint is with U.S. bank cardmember service XXXX N D.XXXX.Person resolving this matter name is XXXX cardmember service rep. Her contact number is ( XXXX ) XXXX Fax XXXX.On XXXX/XXXX/2015 I XXXX XXXX was only to have a debit transection of XXXX dollars to be taken out of my visa card, not XXXX dollars.The company that took the XXXX dollars name is I PASS. On XXXX/XXXX/2015 U.S.Bank card member service refunded my account in the amount of XXXX dollars here is copies of all my documentations. Now U.S. Bank.card member service is saying I did make the XXXX dollars transection when I did not.
Product: Credit card or prepaid card

I made a purchase using my Citibank XXXX XXXX XXXX  for a trip to XXXX. Due to Covid-19, this trip was canceled and XXXX  advised I would be refunded. After waiting over month to receive my money by Citibank, I finally received my funds transferred to my bank account. Two weeks later, I now logged into my Citibank account and they are DOUBLE charging me back for the refund!!! When I called them, a representative tells me it's a security issue. I said how is it a security issue? It's a double charge by the bank for the refund amount. He says, I need to transfer you and said that i would not have to " repeat myself '', he will let the representative know what is going on. I ' then transferred to online support who says he doesn't know who I am and wasn't aware why I was calling and then would transfer me back to customer service of which the call was disconnected!! Why are they double charging me for something that was refunded back to me by XXXX XXXX. This is the worst service I have ever had by a bank and demand this be credited back as now my credit is showing I have an unpaid balance due of {$2400.00}!! 

I called back and spoke with XXXX ( XXXX ID XXXX ) who seem to have better knowledge of this. She advised that she will send a request to the refund department to investigate as to why I was charged twice. She advised there is nothing further I need to do as of now. 

I have attached screenshots of my current balance with duplicate charges issued by Citibank ; The XXXX statement clearly showing my refund issued by XXXX XXXX and credit balance on the account, Citibank 's correspondence dated XX/XX/2020 issuing me the credit refund of {$2900.00}, and Citibank 's correspondence dated XX/XX/2020 stating that my credit balance remaining is due to unresolved disputes and once resolved, the conditional credits issued with be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.
Product: Mortgage

My mother elected to apply for an equity loan on her house, which had been paid for ( with the exception of a XXXX loan on the property ). After some family turmoil, the present debt collector named NationStar has been threatening foreclosure for awhile, but thankfully, this outcome has been forestalled. It is important to note that the original equity loan was doled out by XXXX. At this point, I have had some serious concerns with NationStar. They are a debt collector, yet claim that they are simply working with XXXX XXXX or XXXX. The customer service has been horrid as I have been informed by the SPOC ( single point of contact ) XXXX XXXX to stop calling him. Indeed, he has n't bothered to help in any way. Finally, I 'm worried and angry that after 20+ years, my mother will be foreclosed upon.
Product: Debt collection

A man called my wife in the morning from " XXXX '' XXXX. He basically disclosed to her that they were suing me for a debt that i have with ace cash express. I called this number to speak with them personally. The man never gave me his name and he never mentioned what " XXXX '' stands for. He started of by telling me he was an attorney of some kind and they were taking legal action against me for a fraud i commited. When i asked him to send me a letter to validate my debt he got angry and started to threaten me with a lawsuit and then started yelling at me telling me " a real man should pay his XXXX debts '' and for me to " pay my XXXX debts '' and hung up on me. I called ace cash express to confirm the debt that i owe to them and i do, but when i told them the story they stated that those are bad collection attempts and ace would never sue me for a debt. So i called XXXX again and i asked for the guys name and what the company abbreviation was and he never told me his name nor the actual name of the company. My wife was very frigthened about this and has caused an uproar about this. Please help us resolve this matter. If these people are harassing us, how many have fallen victim to these threats. thank you kindly for your time and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without consent to obtain credit lines and services. While the accounts have been resolved and removed from his credit reports the issue of the address data related to the fraudulent accounts is still being reported. A formal dispute of these addresses was provide dto Equifax XX/XX/2018 certified mail with return receipt. Equifax has confirmed the removal of two fraudulent related addresses however in a credit report provided ( report number XXXX ) Equifax confirmed the same two previous fraudulent addresses as valid and reported the data. This activity is a direct violation of the FCRA and my clients consumer rights.
Product: Debt collection

Between XXXX I applied for XXXX XXXX with a company named XXXX. XXXX processes payments via a company named Universal Payments. These companies are both located in XXXX, XXXX My purpose in working with XXXX was to bring an invention to market for swimmer shark safety. The company charged a fee which was to be paid over a period of time. Unfortunately XXXX has mislead the inventors and made promises that were not true. I received an inferior product from this company. I filed a complaint with the Pennsylvania Attorney General and The New Jersey Attorney General offices. XXXX requested my social security number according to the salesman XXXX for reporting my royalties. Instead they use my social security number to report non payment. This case has been discharged for three years. The State of New Jersey made XXXX return my payment in XXXX of XXXX There is currently a class action lawsuit against this company. I am part of the class action lawsuit. Yet, Universal Payment continues to report non payment to the credit bureaus. I have disputed this information for over one year with the credit bureaus and nothing has changed. I hired a credit repair company and still we can not remove this company from my credit reports. Please help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went from having a family of 4 Auto Insurance policy coverage to getting a policy for 2 of us. During the last 6 months of the family of 4 auto insurance poicy coverage period, I was moved from 2nd person on policy to 1st person, primary policy holder. I was moved into the primary policy holder position because of my credit rating being better then my spouse. When this happened, I became the primary policy holder.

When I became primary policy holder for family of 4 plan, for the 6 months, all the previous accidents went against me when I tried to pull up rates from online auto insurance rate companies. They said that they use Lexisnexis system to pull up policy accident reports. 

3 of these accidents belonged to my daugher. 1 accident belonged to my spouse. I was trying to get a policy for me and my son. Neither of us had any accidents. But the accidents were now being used against me because Lexisnexis system shows all these accidents were from my family of 4 auto insurance policy, and I was primary policy holder on the date I was trying to get a new auto insurance policy. 

My online auto insurance quote, from XXXX XXXX, went from {$70.00} a month to {$170.00} a month. 

I have to get another auto insurance policy in XXXX. I need these accidents removed from my Lexinexis profile. I just got done paying an extra {$100.00} a month, for 6 months, because these accidents, that weren't mine, were applied to my premium. 

I need Lexisnexis to remove these accidents. On XX/XX/XXXX, I ordered my Lexisnexis consumer report from their website and I have not received it yet. 

I need Lexisnexis to remove these accidents, and I'm running out of time to do this in their system. 

Please start a complaint investigation in your system. 

These are the accidents that were used against me from my family of 4 auto insurance insurance policy : XX/XX/XXXX Daughter Rear ended XXXX XXXX  vehicle at a stop light in the XXXX XXXX XXXX Paid out {$2500.00}, claim number XXXX, policy XXXX XX/XX/XXXX Daughters friend, driving XXXX XXXX XXXX, slid on snow/ice, hit trees. Driver complaining XXXX XXXX XXXXXXXX XXXX Paid out {$7000.00}, claim number XXXX, policy XXXX. 

XX/XX/XXXX Insured driving XXXX XXXX XXXX XXXX XXXX XXXX when driver side front tire fell off- Male Spouse Male Spouse was the driver, paid out {$3400.00}, claim number XXXX, policy XXXX. This was a claim that paid out under comprehensive. Everything else was collision. 

XX/XX/XXXX Insured vehicle turning left on XXXX from XXXX. XXXX XXXX had the green light, other vehicle turned in front of her to make his left onto XXXX, hot other vehicle on passenger side. s Paid out {$8100.00}, claim number XXXX, policy XXXX. Daughter was the driver for that one. 

From my XXXX XXXX policy # XXXX
Product: Mortgage

When the mortgage NOTE was transferred to SLS  from XXXX XXXX XXXX was it a electronic NOTE? 

Information shows that the NOTE was securitized in 2006 ( see attachment, Line 6. XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several written disputes with the credit agency notifying them of   XXXX   XXXX   XXXX   attempts to report fraudulent information.   XXXX   XXXX   XXXX   is stating that I owe   XXXX   XXXX   XXXX   {$670.00}. This information is false. I have never had a account with   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and   XXXX   XXXX   XXXX   requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from   XXXX   XXXX   XXXX   authorizing   XXXX   XXXX   XXXX   to collect the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following section 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing the dates within the credit file are correct   XXXX   XXXX   XXXX   has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Product: Checking or savings account

I have both a checking and savings account with Citizens bank in XXXX XXXX, PA. On XX/XX/XXXX, a charge of {$320.00} was 'pending '. There were 4 other, much smaller charges cleared after that. I was charged a {$35.00} overdraft for all 4 of them, even though the funds were technically still in my account! On XX/XX/XXXX the {$320.00} cleared, and I was charged another {$35.00} overdraft fee for that item!! A bank can not charge me overdraft fees for items I have the money to cover, while withholding {$320.00}, then charge me an overdraft fee for that charge when it clears!! They had already " held '' and accounted for that transaction!! This is absolutely horrible business!!! I demand either the first 4 fees reversed, since the funds were technically still in my account to cover them, or at the very least, I demand the last fee reversed, the one charged for the {$320.00}! This is simply the worst business practice I've EVER witnessed!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a Citibank Home Depot card/service.

I have immediately contacted Citibank to dispute the inquiry and they directed me to contact XXXX to dispute it. 
I have contacted XXXX and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact XXXX today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without Citibank sending them a letter saying that they agree to remove the inquiry. 

I have called Citibank to request that they will do that and they said that the only way for them to help is if XXXX will contact them directly to request this information. 
I called XXXX again and they said that they don't contact anyone, " the only hold information ''. I called Citibank again to let them know that XXXX don't contact anyone and that I need them to contact XXXX or send me something that I can then transfer to XXXX  and they said they won't do it and the only way that it works is if XXXX  will contact them. 

Citibank agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at XXXX and 5 different reps at Citibank to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX  and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had private loan with XXXX XXXX for 10k come due in XXXX. I made no payments. It was transferred to XXXX XXXXl and then XXXX XXXX. I still made no payments in XXXX I filed a chapter XXXX BK. this loan was included. The discharge was granted and XXXX XXXX  nor any of the other listed companies objected to the court about the discharge. IN XXXX they transferred the loan to Navient and Navient claims I made a payment which I HAVE NOT- further California only allows 4 years for collections it is now 7 years and lastly even if loan with Navient they were also included in BK and never objected with the court. 
Their solution was to reduce balance owed to XXXX and now report the account as open and late- IT is not late it was discharged the statute of limitation for collections has run and their lying about me making any payments. THIS IS A VIOLATION OF FDCP. I want this removed and the account closed for this private loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several dispute letter asking for how this public record was verified I have a letter from the courts stating that they dont give records out to 3rd party agencies and I have a security freeze on my XXXX  XXXX.
Product: Mortgage

I have a mortgage with CMG Mortgage. I requested forbearance in XX/XX/XXXX due to COVID. I requested to come out of forbearance in XXXX of XXXX. CMG took until XX/XX/XXXX ( 7 months ) to finally give me a loan modification trial payment plan instead of the 30 days I was told. I started making the trial payments in XX/XX/XXXX for XXXX trial payments for XXXX - XX/XX/XXXX. I made the trial payments and continue to make them. After the 3 trial payments, I was supposed to receive a loan modification within 14 business days of XX/XX/XXXX so XX/XX/XXXX. I finally received the loan modification paperwork at the end of XXXX, sign and mailed it, and CMG received it XX/XX/XXXX. It has been over 30 days and still the loan has not processed and it is still showing delinquent. It is affecting my credit score, my ability to refinance another property, and many other financial impacts. They have held me hostage for over a year financially. Any help would be appreciated.
Product: Consumer Loan

Have a loan with Springleaf Financial. When loan was taken out, we were told to pay for 1yr on time and we could come back for the extra XXXX we originally asked for as we were cleaning up our credit. When that year was up, we did ask for that increase and even though my credit score had NOT CHANGED, nor had any other info really changed, I was told they are " looking at it differently and could not do the increase ''. At that time, given that they had said there would be no issue, I had made arrangements to pay off two cards one of my children left a balance on and so could not pay both those and the Springleaf. I asked for deferrment of one month of payment. Was NEVER told in writing or otherwise that there was anything else we needed to do until 3 wks later when payment was already very late. At that time, given how I was spoken to my wife contacted the corporate office of Springleaf to help get resolution. The issue was we felt this was a bait and switch situation AND the fact the manager would not let us get a call from her supervisor. Something fishy going on. Too many different things being told to us. I faxed a ton of paperwork to XXXX XXXX at the corporate office. The biggest issue now is that this company is showing us to have missed TWO PAYMENTS. One should have been defferred as they promised via email and phone and the second was actually waiting to hear back from corp office AND get the correct account number as that had changed. This is not ok and this company should not be allowed to incorrectly report this account. They are not telling the entire story which involves ME WAITING ON THEIR CALLBACK!! This account should not show a late payment at all. Plus - how the change they way they score never made sense and feels very shady. We have proven that our scores never changed. That is what the said things were based off until we asked for what they promised. I want this account to reflect the TRUTH and not late payments. We were working with them to resolve issue AND had to wait on THEM to give account number when it changed. SHOULD NOT SHOE LATE!! Please help us get the reporting accurate as this is impacting my credit. If needed I can supply names and number of person at corporate office we dealt with. This is such a bait and switch thing and it is not ok to mess up credit!