23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been living at my current address since XX/XX/XXXX and the first year I received a 1099 form from Citizens for tax purposes but have not received one since. I called Citizens online banking ( XXXX ) last year ( XXXX ) and spoke to numerous people and no one could tell me why ( or where my 1099 is ) I have not received my 1099 form. The last person I spoke with last year ( XXXX ) was a supervisor and we were on the phone for a long time. After the supervisor looked deeply further into this, she told me " my 1099 form was sent to my old address '' ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX MI XXXX ). and the mail was not returned back to them. Why did this happen? This is fraudulent offense. I have had my identity stolen three different times and take this extremely serious. Now I do not know who has access to my personal information and could be a target again of identity theft. I called Citizens online banking the beginning of XX/XX/XXXX and was told I will be receiving a 1099 form and it will be mailed out to all customers at the end of XX/XX/XXXX. Once again I was told by the representative in XXXX that I am setup to receive my 1099 form by mail. I called Citizens online banking on XX/XX/XXXX and spoke with XXXX ( in Ohio ) between XXXXXXXX XXXX EST regarding why I have not received my 1099 tax form. Per XXXX we have the correct address on file and the 1099 form was mailed out on XX/XX/XXXX. She could not tell me why I have not received it after all this time. I called Citizens online banking again on XX/XX/XXXX and spoke to XXXX between XXXXXXXX XXXX EST regarding why I have not received my 1099 tax form. Once again, XXXX could not tell me why and was told the address on file is correct. I was on the phone with XXXX for about XXXX minutes. Again my question is Why? Someone at Citizens knows something but is not telling me. I have been banking with Citizens for a long time and they do not value their customers. I called Citizens online banking on XX/XX/XXXX and spoke with XXXX between XXXXXXXX XXXX  EST regarding why I have not received my 1099 tax form. Again XXXX could not tell me why and told me the address on file is correct. I requested to speak with a supervisor and was transferred to XXXX XXXX but was given the same information. XXXX XXXX did not know why. Lastly I called the local Citizens branch on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ). I first spoke with XXXX XXXX and asked for a supervisor. At first XXXX told me the supervisors were with other customers but then XXXX became available. XXXX was no help. Now I need further assistance since I still do not have any answers to where my 1099 tax form ( s ) went. I find it strange that I received my 1099 tax form the first year I moved to XXXX, MI but have not received one since. Citizens is mailing me my monthly statements and I have been receiving them but not my 1099 tax form ( s ). I have also checked numerous time with my local post office and have always been told " no mail is being held for you ''. My phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my wallet was stolen, since then I have had XXXX  hard inquiries on my credit report, for various credit cards that I have not applied for, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was advised by XXXX XXXX  through a service they provide that my address was changed and there was an attempt to open up a XXXX XXXX XXXX via XXXX XXXX. I subsequently put blocks and alerts with the three credit agencies and found that Equifax had a bogus address under my name which I did not recognize or authorize. Also in XXXX we realized that we were not receiving many of our bills. We checked with USPS and they notified us that our address had been changed. We found out that many companies update billing addresses based solely on information they receive from the post office with no other authorization or authentication. Further, after this incident, we went to the USPS website and verified how easily an identity thief can change a valid address. While this practice eases the burden of return mail, it also aides and abets identity thiefs at the same time. My bank ( XXXX ) had also updated my personal information from the USPS without going through their normal authentication process. I subsequently understand that this has been accepted as a normal business process however, I dont feel this is a prudent process given the fact that it makes theft of identity more efficient and violates my ability to protect my PI and I believe violates the banks responsibility to protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX ,  XXXX   XXXX  removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a  XXXX  party agency showed up on   XXXX   by the name of  Deville Asset Management, but  not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau b ut not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression  XXXX   XXXX   may  have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the   XXXX   inaccuracy dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in  XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on Equifax, XXXX  and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in XXXX from all XXXX and XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as Equifax, XXXX and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. 
I received an inquiry on my credit report that I didn't make. I reached out to the company, Veterans United and I was told I would be called back and I never heard back from anyone. I called two more times and my third time calling, my call was escalated to a supervisor. They supervisor couldn't find my name or information in their system. He asked If I was married and explained my spouse may have filled out an application and ( added ) my name to the application. After researching further, he found that to be true. My name was added to the application. However, I never authorized this company to run my credit. Adding my name to an application is permissible. However running my credit without my consent is not. I tried to resolve this matter by simply asking for a letter from Veterans United that would remove this inquiry from my credit report. However, the supervisor disregarded my request. Veterans United had no authorization or authority to run my credit without my permission or signature. After explaining all of this, they are refusing to correct this matter. I would like this inquiry removed from my XXXX  and XXXX  credit report immediately.
Product: Mortgage

Ocwen Loan Servicing of XXXX XXXX XXXX, XXXX XXXX TX XXXX -telephone ( XXXX ) XXXX. Fax ( XXXX ) XXXX. 
I have a mortgage from this organization. 
They have forced flood insurance on a property which does not require it. 
I have written on 4 occasions pointing out that the latest FEMA map shows the property outside the flood zone. 
OCWEN IGNORS ALL CORRESPONDENCE AND CONTINUES TO CHARGE FORTHIS UNNECCESSARY INSURANCE. 
This is surprising in a company which was the defendant in a class action law suit for forcing insurance and which settled.
Product: Debt collection

( 1 ) Approval of loan from Goodleap on XX/XX/XXXX in the amount of {$11000.00} with no payment and no interest, if paid in full during 18 month period -- Refer to attachment XXXX XXXX XXXX XXXX Loan was paid in full on XX/XX/XXXX -- Refer to attachment 2 with XXXX XXXX XXXX  check ( 3 ) I received Email from Goodleap indicating that payment will be taken from Bank account on the XXXX of XXXX. 
( 4 ) I contacted the Bank and notified it to stop any attempt by Goodleap to receive payment from my account ( 5 ) I received numerous telephone calls demanding payment between XXXX and XXXX ( 6 ) On XX/XX/XXXX I received a telephone call from Goodleap demanding payment.

( 7 ) All individuals on the call agreed that it was unfair treatment from their company and they wanted to help me by settling a last payment of the loan as it was shorted by XXXX cents. 
( 8 ) I gave authorization for issuance of payment by my bank in the amount of {$27.00} and was promised that I would receive a refund within 10 day -- Refer to attachment XXXX ( 9 ) No refund was received. See threatening letter from Goodleap. Refer to attachment XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Credit card

According to 15 USC 1681 e ( b ) compliance procedures this charge off is negatively on my credit. This account was paid in full, a XXXX was never sent out and received. It should be deleted permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freezes and thawing should be free. The entire SSN system is outdated and vulnerable. In light of recent events ( Equifax breach ) the only way I can protect myself is by freezing my credit. Naturally I can not keep it this way forever and will need to unfreeze for certain purposes, at which I will be charged for the thaw. I should not be paying to protect myself because of the mistake of a large corporation.
Product: Credit card or prepaid card

I have a charged off debt from a Citi credit card. I contacted them to arrange a repayment and they told me that it is past the statue of limitations and that they can not accept payment. 

I believe the amount in question is wrong and that if they will not allow me to make a payment that it shouldn't be displayed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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

WFB used incorrect and outdated income figure to calculate loan modification, only reducing my mortgage by {$120.00}, which is put on back end of the loan, due when loan is paid in full. I wrote and spoke to them during Trial Period, disputing NPV input with income documentation. I was not informed of my right to deny loan and re-apply using corrected income. WFB representative treated me as though I were in the welfare line and should be happy to receive their help. I stopped paying my mortgage, taking advise, that more government help available for those behind than those that our current. I have applied for reconsideration, wrote many letters requesting they reduce my interest rate to 2 % from it 's current 4.25 %, which is the same interest rate I had on previous loan. Unfortunately my income has been reduced so much this year that I can not qualify for any help nor can I keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00} ; XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; JXXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that these XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Late payments will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the Experian again on XX/XX/2023 to reinvestigate the XXXX ACCOUNTS However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
Even after requesting on XX/XX/2023 the investigation methods they used by phone twice, they denied me the information per 15 usc 1682 I ( b ) 5 they were supposed to supply the information within 15 days and was due XX/XX/2023 however was denied the information XX/XX/2023 via secure chat by experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed online with both XXXX and Experian. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX  XXXX : XXXX
Product: Bank account or service

The mobile deposit of an Offcial Check of {$1900.00} was made into my Account on XXXX/XXXX/15AM and Bank Accepted the Deposit on XXXX Afternoon and Credited to my Account on XXXX/XXXX/15. Based on Available Balance I Withdrew {$1200.00} Cash & XXXX/XXXX/15 Withdrew {$1100.00}. On XXXX/XXXX/2015 AM Chase Bank Informed me that Official Check 0f {$1900.00} Deposited to my Account is Fake and Charged my Account {$1900.00} Debit that created Negative $ XXXX Balance. On XXXX/XXXX/2015 A Social Security Administration Deposited Retirement check of {$1500.00} in my account. Chase bank take away that money to pay-off negative Balance. I think this is unfair business practice who accepted Fake Official Check Deposit on XXXX/XXXX/2015 and then punish customer by taking away theirsocial security money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent {$700.00} through quick pay to a person I thought was my boyfriend since it was under his name however, he never received the money. I notice that the number under his name was an old number of his. Immediately, I called the person to return my money but she refuse to do so. I called chase within that very second and told them the situation. They told me that they could not reserve that transaction so I had to file a claim and wait 10 days. In the process the women was able to cancel my {$1.00} transfer easily. Today, has been 10 days and when I called chase for an update they told me that it is still under investigation that I had to wait until XX/XX/XXXX. However, the person assisting me said that if the person has spend my money then I can no longer receive it back. Out of anger and sadness I attempted to called the person and she was laughing hysterically at me I over heard her talking in Spanish to a man stating no I will not give her money back I am going to give it to you. I am just afraid that when XX/XX/XXXX does come I will not receive my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX. From mid XXXX thru the current date I have been trying to correct a credit report from TransUnion and they have not corrected the report. This is regarding 2 XXXX accounts showing 6 late payments on each for a total of 12 late payments. These 2 accounts were in forbearance as clearly shown with the paper work included from the creditor. I have included these documents from ( Begin XX/XX/XXXX through End XX/XX/XXXX ) the accounts clearly show the accounts in forbearance. Then immediately back in forbearance XXXX XX/XX/XXXX. I need this corrected immediately as these inaccuracies have prevented access to mortgages to which I have been prevented from obtaining because of this failure to report accurately.
Product: Debt collection

I cancelled my Internet service with XXXX in XXXX XXXX, and my last {$80.00} bill was paid for that month. The cancellation confirmation number they gave me was XXXX, and they also texted me a return QR code- which I used to return my equipment ( for which received a delivery confirmation via UPS ). 

Nonetheless, XXXX sent me a letter dated XX/XX/XXXX, claiming that my " account was past due '' for the amount of {$140.00} ( without any breakdown or line item ). They then proceeded to forward the amount to collections agency Eastern Account System of Connecticut , Inc., who followed up with their own letter re. this amount. 

I sent them an email ( I'm preparing a certified letter by mail, as well ), disputing the debt. I did not contact XXXX directly, as they already forwarded their claim to the collections agency.