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

hello I am a victim of identity theft. enclosed are my valid and notarized identity theft affidavit. please review, delete & block the fraudulent item that is reporting inaccurately on my credit due to identity theft. as well as following the FCRA laws when a consumer submits an identity theft affidavit. I have no knowledge of this account, nor did I gain from the opening of this account. thank you in advance for your cooperation.
Product: Debt collection

On XX/XX/XXXX I pull my credit report and found out that AWA COLLECTION/ ORIGINAL CREDITOR : XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and wrote back on XX/XX/XXXX. The AWA Collection has the following non-compliance violations : 1 ) They have no copy of a signed contract where I allegedly agreed to pay the charges.

2 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 
3 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 
4 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 
5 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX fine of {$1000.00}. 
Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Product: Credit card

I entered into a flat {$110.00} payment on the due date by auto pay as is evidenced in the transaction history on the XXXX XXXX. I made a phone call on the XXXX to remove an unauthorized user from the account. I did not authorize auto pay to cease ; it was ceased without my consent. 

I subsequently called and asked that the late fees be removed due to the auto pay being ceased, and I would make the account current. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister stole my social security number and applied for 2 different credit cards in my name. ( XX/XX/XXXX 2017 ) She has since gone to jail and treatment for it. I have tried to dispute it on XXXX XXXX, XXXX  and XXXX and it is still showing up as a hard inquiry. I made capitol one aware of this and they cancelled the card. What can be done about getting this off my credit score? This has had a major negative effect on my credit score, life, future. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy
Product: Credit reporting or other personal consumer reports

I received a message from my Credit Bureau that there has been a collection account opened on my credit. When I looked into it and called the credit bureau, I realized that this is not me and the address that this is associated with does not belng to me. My credit score has always been in excellent standing and I have never been late on any of bills. I need this to be removed from my credit as it is affecting it significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled by XXXX because item ordered didnt work. I mailed items back. Amount was removed, but somehow got sold or sent to portfolio recovery. The disputed amount is XXXX. I can not get anything accomplished. Please help me.
Product: Credit card

In XXXX XXXX Bank of America discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Bank of America has made no effort to collect this debt despite my attempts to resolve this issue.
Product: Credit reporting

Forward to Equifax proof that original Debt from XXXX XXXX ; account was bought by XXXX XXXX XXXX. Equifax continually states that the debt is not in my Chapter XXXX bankruptcy documentation. Equifax clearly does not understand according to fair documentation of debt, if the debt is listed is chapter bankruptcy whether original Debt collector XXXX XXXX or the the new debt collector Holder XXXX XXXX XXXX, they must acknowledge that debt on my credit file as debt included in chapter XXXX bankruptcy. They have it listed under open and current debt never paid. They refuse to change or remove form open debt section, and list under closed account included in XXXX. I have repeated cases and documentation to show that I have forwarded a whole case file with my entire chapter XXXX BK, and they see the debtor listed, and refuse to update my credit profile as such. This is my 9 attempt through their website of legally trying to get my credit file current, and according to fair credit reporting agency. One of the biggest issue is wen you call you get an XXXX personnel states they can not understand what you say, or not abreast with current credit monitoring laws. It was stated to me, I due not have any legal right under fair credit reporting for updating these errors. I was even told regardless of my bankruptcy papers documented and clearly state the amount, date bankruptcy went into filing, and action they told me by phone it would not be fixed. Then I was told by Equifax personnel again a XXXX Rep, they did n't have documentation to confirm that I even had a bankruptcy. I forwarded three times by certified letter, and yet again they refuse to acknowledge and legally update to current BK information. Also they still refuse to remove the closed state lien off my file, especially when the state indicated in documentation that the state lien should not have never existed, cause I did n't have a lien in the first place. In clear heading at the bottom of the State Government affirmed documentation it states '' can not be listed on any credit agency website. '' Yet they refuse to acknowledge that saying documentation does not show that they can not list on web, indicated my personnel on phone.
Product: Mortgage

I made a payment on XX/XX/XXXX on western union speedpay for XXXX   specifying how the payment should be posted. XXXX to the principle and XXXX. They failed to post the payment stating they do not know where to apply it. I also paid XXXX  on other fees. On XX/XX/XXXX. I paid my XX/XX/XXXXpayment earlier in the month, that XX/XX/XXXX payment included interest until XX/XX/XXXX. I feel as though they are doing a delay tactic to obtain additional funds in interest and are also saying I need to pay insurance which is already included in my escrow funds.this mortgage is with PNC bank who aquiried my mortgage when XXXX XXXX XXXX went out of business
Product: Debt collection

There is an account on my credit report that I do not owe. When I received an alert from XXXX, I immediately contacted the account holder ( Allied ) and I requested more information about the debt ( i.e. what the debt was for, whey they thought I owed it, and itemized statement proving the amount they thought I owed was accurate and a contract or agreement showing that I agreed to pay the debt ). Once Allied told me what the debt was for I explained to them that I did not owe the debt as I had lived in my own home for years. Allied told me they were going to look into the issue for me but this was over a year ago and nothing has been done to remove the item from my credit report and they have not provided me the information I requested from them either.
Product: Bank account or service

My checking account was debited {$1600.00} for a debt I did n't owe nor was I responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in clear violation as per described in 15 U.S. Code 1666b - Timing of payments, As well they're furnishing non-public information to third parties, which it's a clear violation of the 15 U.S. Code 6802.

See attached.
Product: Credit reporting or other personal consumer reports

I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Mortgage

I worked with TD bank for weeks leading up to the closing of our mortgage. The company assured me everything was in order. One week before closing they still did not have final numbers for us. We contacted them multiple times and finally got a response with the closing costs. The day before closing we got notification that the expensive attorney hired by TD bank did not know the date of the closing and the person working on it " wen on vacation '' without notifying anyone? Our closing was delayed and we spent extra time in a hotel during the pandemic. In addition to that on closing day our closing costs were almost twice as much as the " final '' closing costs TD bank showed us a few days prior. This is an unacceptable level of incompetence. 

In addition we pre-paid all taxes in an escrow account. My attorneys office was asked to pay the school taxes which were paid in a timely manner. TD bank was supposed to pay the XXXX portion of our property taxes which they did not do. I received notification in the mail regarding delinquent taxes on our property. It has been a hassle to reach anyone at TD bank. My wife and I have spent over 1 hour on the phone to speak to someone at least 4 times without a resolution of our issue. At this point TD BANK seems like a joke and have had nothing but awful customer service. We regret even taking out this mortgage with them.
Product: Checking or savings account

Citibank is Terrible I received a text message on XX/XX/XXXX at XXXX XXXX  regarding fraudulent activity. 
I called the Citibank Fraud department on XX/XX/XXXX at XXXX XXXX and was on the phone with them for 10 minutes ( I have the phone records ). I expressed to the representative that the attempting XXXX transfer was  NOT authorized. I said " do not allow the transfer. '' I realized on XX/XX/XXXX that {$1000.00}. XXXX was transferred to someone whom I do not know and specifically asked not to allow the transaction. I called on XX/XX/XXXX to file a claim with Citibank and it came back a few weeks later, denied. I then filed for an appeal which also got denied. I would like to be refunded my {$1000.00}.
Product: Money transfer, virtual currency, or money service

I used the XXXX application in Chase bank yesterday on XXXX2021 to send a {$1000.00} payment for a XXXX  from XXXXXXXX  after the intinerary never came thru today and the contacts stopped responding to me., I believe Ive been scammed. I contacted Chase bank and asked if theres anyway we can stop the payment and was told that because I used that application, nothing can be done. What a disappointment.. not only do I feel stupid for trusting a XXXX  company who scammed me out a ton of money.. but after I was told nothing could be done at Chase, I had to ask if they could flag the number I used to send money to or something to make sure others are safe from this disappointment.. the guy helping me said oh yeah sure.. give me a second.. it should probably be automatic you flag to protect others and not wait for a customer who just lost a thousands.
Product: Debt collection

I have sent two validation letters to bull city financial solutions asking them to remove this collection from my credit file because this debt is not mine I also asked if they could provide a original contact bearing my signature which they have not done all they sent me was a final bill which is not proof of validation
Product: Vehicle loan or lease

XX/XX/2020 applied for covid relief with Ally Auto financial and was granted a 60 day period that would be applied to the end of my auto loan. Paid XXXX and XXXX payments but they are telling me there is a {$530.00} past due balance of interest for the deferral period which they will not move to end of loan like covid relief agreement stated. I am still unemployed at this time and they refuse to grant me any additional deferrals until I pay this past due interest balance. I did good to pay the car payments for two months since they refused to grant any future extensions.
Product: Credit card

I called back around XX/XX/XXXX to cancel my Citi credit card. I called and cancelled before the {$450.00} fee was due. When i called they told me since i called before the fee was due they would credit the fee and i wouldnt owe anything. Well instead of doing that they left the fee on there and started charging me late fees every month on something that I dont even owe. I know i should have logged back on my account and checked it but I had just figured it would all be taken care of. Now citi has sent that account to collections and it has been at collections for over a month and they refuse to look into it and refund me the fees. I think the whole thing is pretty XXXX. I always pay my bills on time and they can even tell you i NEVER had a late payment. No because they did this my credit is ruined and my credit score has dropped over XXXX points. I would like for them to fix their mistake and give me an apology and contact the credit bureaus and get it straitened out with them so my credit score goes back to where it should be and it doesnt show i have an excessively late payments on there. This whole thing is really frustrating and the fact they wont talk with me and fix their mistake really XXXX. Also either the credit card company or the collection agency owes me a little over XXXX dollars in refund that i still have yet to see from either of them. Since i no longer have that card anymore i am not sure of my full account number but i believe it ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states I have a right to privacy.

15 usc 1682 section 604 A section 2 : it also states a consumer can not furnish an account without my written instructions.

15 usc 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 or other personal consumer reports

I received a Promotional Offer from XXXX XXXX an when I went online to review what amount was being offered, a screeen popped up and published the following info : Looking up your offer won't affect your credit score. I reached out to XXXX XXXX and I was told to provide my Bank Stmts, and I told them No. I was then told the offer I qualified for was denied, because I did not provide my Bank Stmts. I retrived my Equifax Credit Report and was I had a Hard Inquiry on my Credit Report and I lost 2 points. 

I filed a compliant with Equifax, and they informed me that XXXX XXXX refused to remove the Hard Inquiry. Please see the following documents attached : XXXX XXXX Promotional Offer ; the published notice that my credit would not be effected ; the Offer from XXXX XXXX, and the response from Equifax. 

XXXX XXXX is publishing false information, to Consumers, and effecting their Credit, they are also requiring Bank Statements, that they are not entitled to, if they want to verify Income, or as I was told a Mortgage Payment, they should have reached out to the IRS or my Mortgage Company. Unbeknownst to them, my Mortage Payment comes from my Investment Account, not my personal checking account.
Product: Money transfer, virtual currency, or money service

I received cash request from friend with picture attached. I sent it. It was fraud. I sent info immediately to cash app. They said they could do nothing. They couldn't tell me where it went or get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these 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 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 


XXXX XXXX XXXX, XXXX/XXXX  XXXX and XXXX XXXX XXXX
Product: Mortgage

applied for a mortgage to refinance a residential property the loan to value was less than 50 % adequate income and credit score above 800 they turned down the loan ; I think it was because of age ( too old ) I ask the company manager for a written turn down ( twice ) ; never received one ; also ask for a written turndown letter from the mortgage resprestative
Product: Credit reporting, credit repair services, or other personal consumer reports

I just found that Security Credit Services has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.
Product: Debt collection

In XX/XX/2020 I discovered my business, my bank accounts and personal identity were compromised, on or about XX/XX/2020 I started to receive various telephone calls from creditors pertaining to past due accounts that were opened in my name without my knowledge and/or consent. My bank account, my credit profile and my personal identity were completely compromised. I've contacted American Express and the Law Firm representing American Express and advised them that I'm a victim of identity theft, I sent them a copy of my Identity Theft Police report which was filed on XX/XX/2020, however American Express has reported this account on my credit report as a charge off in the amount of {$70000.00}, this is devastating.
Product: Credit reporting or other personal consumer reports

Transunion has incorrect personal information as to phone numbers as XXXX Transunion needs to provide proof of such number and who it belongs to as well as a contract with a provider as a land line or cellular company. 

As to XXXX XXXX XXXX XXXX PA XXXX there needs to be proof of a leasing contract, Lender or Bank, Delete information resolution box or provide proof of legal documentation of address from the provider as same as phone number
Product: Debt collection

Date XX/XX/XXXX Amount : {$15000.00} Actions : Summons from, The District Court of XXXX XXXX, State of Oklahoma. 
Plaintiff- XXXX Filed : XX/XX/XXXX Attorney : Stephen L. Bruce XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  has been handling my debt consolidation since XXXX, XXXX. They reached out to XXXX and Attorneys office with no response from either. I have been paying a large sum of money monthly to XXXX XXXX, XXXX XXXX XXXX who has been negotiating a settlement. Now XXXX wants the full balance due paid in full.