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

XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]
Product: Mortgage

Hi there, Im writing in regards to my loan # XXXX for property located at XXXX XXXX XXXX in XXXX, KY XXXX. 

I have multiple payments which have been incorrectly applied and this appears to be a reoccurring issue that Id like resolved and a permanent solution in place. All of my former servicers offered an automatic bi-weekly payment feature. For this, I chose the day of the week and how much Id like to pay each transfer, or each month. My regular payment is just under {$700.00}, so Id always simply round up to {$700.00} total each month, with each bi-weekly transfer being for {$350.00}. 

From my understanding with your ticket # XXXX, the only bi-weekly automatic payment is for the day code of Friday with the 3rd transfer in a month being allocated to principal. I do not agree to these terms as I simply want to make a {$350.00} payment every other week, totaling 26 payments, or 13 months

worth of payments in one years time. I also do not want the day to be on Friday.

Currently I have an automatic bill p
ay setup through my bank, where {$350.00} is electronically sent every other week. However, doing this it appears each of my payments are not correctly being applied as half payments, then after the second payment, being applied as that months payment. 

Please advise how we can accommodate my request to make bi-weekly transfers that are applied correctly, either with my bill pay payment, or with your transfer form/system. 

Thanks so much!
Product: Money transfers

I transfer my Money from City Bank on XX/XX/2017 to my account in XXXX i have my voucher, It says the money will be on XX/XX/2017.however it never arrive to my Account in XXXX. i have to pay bills and i really neddd your Help. 
Please could you inform to the encharged People. 
My Id as a XXXX is XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCT. # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$120.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Product: Debt collection

I have never received any service from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : 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
Product: Money transfer, virtual currency, or money service

I suddenly lost acces to my account. My user name and password is not recognized. I have not received any response from their support or fraud teams. It is Gemini  XXXX XXXX!! 
Please help!!!
Product: Debt collection

Did not send me any verification. I also asked to see my signature. They did not send me any way to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my XXXX XXXX Report. 
'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks. 
'Statement that the inquiry remains in my XXXX XXXX for up to ( 3 ) years or until " the Bank of Oklahoma and the Bank of Oklahoma only!!! makes ( Verbal or Written request ) to XXXX for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and XXXX ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the Bank of Oklahoma was as to why " I have a Security Freeze and Fraud Alert in place on my XXXX Report. 
'Explanation that I have been unable to open a Money Market Savings Account with XXXX Bank during the last year because " the Bank of Oklahoma refuses to remove the Inquiry on my XXXX Consumer report.
Product: Credit reporting or other personal consumer reports

This company is furnishing reinserted information to my consumer credit report.
Product: Checking or savings account

On XX/XX/XXXX, I noticed there was an unauthorized {$200.00} withdrawal on XX/XX/XXXX from my Citibank checking account. I immediately contacted Citibank on 1XX/XX/XXXX as soon as I noticed the unauthorized deduction. I was advised at the time that a provisional credit would be issued and there would be an investigation into the matter. On XX/XX/XXXX, I received a letter from Citibank stating that upon their " investigation '' they determined that the withdrawal was made by myself or an " authorized third party '' person. Furthermore, the letter I received stated that they do not routinely use ATM video to do their research. Well, how else do they investigate if not with the video surveillance? I immediately contacted them to dispute and escalate the investigation, but they already deducted the {$200.00} provisional credit they issued. I vehemently denied that I did not deduct the funds, nor did anyone else that I authorized. I have never been in the town where the theft occurred. Furthermore, I never use non-Citibank ATM 's, and this happened at a XXXX XXXX ATM. I immediately felt as though I had been victimized for the 2nd time. Once from the thief and again from my own FDIC insured bank that I have been banking with for 19 years. When I reported the unauthorized withdrawal, I was asked a series of questions. One being if I have ever shared my pin and if anyone has ever been authorized by me to deduct funds. I HONESTLY answered yes, because I am married and it is NOT uncommon for spouses to have access to their accounts. I feel as though, this honestly led to my demise and Citibank found an out in honoring my fraudulent claim. I have never had any other claims for theft on this account and have never had an issue until as of recently. In the past 3 months I have been issued 3 new cards due to fraudulent activity. It seems as though there is an issue with Citibank because someone else that I know who also banks with Citibank- has had the exact same thing happen to them. To prove I did not deduct nor authorize this deduction- I filed a police report in the town in which the theft occurred. I would not risk going to jail for {$200.00} if I performed or authorized the deduction. To be perfectly honest, I do not feel safe with my hard earned money in Citibank anymore. They are there to protect my money and this experience has been the furthest thing from " protecting '' me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

On XX/XX/XXXX, I called Discover about a purchase I made on XX/XX/XXXX from XXXX XXXXXXXX. I was supposed to receive the item within XXXX business days, but I never received the item. I told them that I called XXXX to try to resolve issue, but company would not refund and told me item would eventually arrive. The Discover representative told me they couldnt put a dispute in because of Regulation E.
Product: Credit card or prepaid card

I went to the Vietnamese restaurant and ordered some fried rice. When I got home, I realized that the food did not have all the listed ingredients on the menu. I attempted to contact the restaurant but could not get through. 

I submitted a bad XXXX review and a representative of the restaurant responded and asked me to send an email to the manager.

The manager and I exchanged some few emails, however, she did not refund my money. The manager stated that they changed the menu, however, their employees were not informed or so.
Product: Credit card or prepaid card

This dispute is regarding a credit card that was issued by Wells Fargo for {$13000.00} In XX/XX/2019 I received the card and used it for Approximately {$3000.00}. The remainder of the funds were used fraudulently by someone else ( {$9000.00} ) I filed a dispute with Wells Fargo, they investigated the fraud and said that they had proof that the charges were mine. They refused to furnish me with the proof and insisted the charges were mine and that they are going to report it to the credit bureau. I am not responsible for the charges and want to see the evidence so I can file a police report but they are not cooperating with me. What do I do next to resolve this matter?
Product: Debt collection

Back in XXXX I stopped making payments on a {$1600.00} XXXX credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX XXXX decides to sue me but I was never served. XXXX attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the Winn Law Group in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX and they told me that there is nothing they can do because the judgement was entered by Winn Law Group and that Winn Law Group has to remove it.
Product: Debt collection

I have relocated to the West Coast and the debt company had my current address as it was verified when I called them. However, they called repeatedly around XXXX and XXXX XXXX. This I am aware is a violation of FDCPA laws.
Product: Mortgage

My mortgage is held by Citadel Servicing Corp, dba Acra Lending. 

I've been told by customer service via email that " your account does not qualify for interest on escrow as this is a state by state requirement and the state of Texas does not qualify to have an interest on escrow. '' This is a predatory practice. I'm reporting this as a complaint to the CFPB because homeowners in Texas are being taken advantage of. We are being charged exorbitant interest expense on our home loans, while not being paid interest on our escrowed funds. This makes no sense and is tantamount to theft.
Product: Debt collection

Received letter for a debt that is not mine and I do not know anything about. Was told could dispute electronically at resources.wakeassoc.com and signed up to do that only to see that there is no way to dispute electronically as they stated in their letter. They lied. 
The burden of proof is on them, they should show detail about what is owed as I am unaware of any debt other than the bill I pay monthly for a debt to the medical facility.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 and it also states consumer recording agency can not furnish account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please shut down Experian Credit Company. Their information is never current, and they are almost impossible to contact, or to get inaccurate information corrected, yet they are a main source of information from some groups such as auto loans or mortgages in consideration of loan. I received a notice my Experian score dropped to XXXX! No reason given. Also, XXXX XXXX XXXX has sent correction update status to the credit bureaus removing a 30 day past due entry. Experian has not updated this even though I have submitted several complaints through CFPB and directly to Experian. This is having a negative impact on my credit.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

My previous lender went bankrupt and was bought out by Shellpoint NewRez lending. My account was under a modification plan that this new lender claims to not be aware of. Not only that but they have no records from the account. This is an XXXX account that was fully functional with me as successor for 4 years and now they have no record of me or the modification. They asked me to submit documents of proof of succession. Which was submitted on XX/XX/year>. I was told to call in every week to see if they were recieved. It has been weeks and no processing conformation have been received via mail or when I call. They have mailed me a foreclosure processing but they refuse to honor the modification.
Product: Credit card or prepaid card

Bank of America place an unwarranted fraud flag on my account in XX/XX/XXXX. After speaking with them multiple times, they advised me to reach out to XXXX and there was nothing that could be done. They also advised the flag would not be cleared on my credit until XXXX. After finding out about the lawsuit, I knew I was impacted directly. 
Due to the fraud flag, I could not even open an account at a credit union. I suffered years of being unable to dispute charges on a prepaid account and monthly fees to obtain the account. 
I am directly impacted and will also be seeking legal counsel.
Product: Debt collection

Credit report shows name of collection agency ( AmSher ) with outstanding debt of XXXX. It appeared this was initiated in 2021. I tried contacting agency and was twice redirected to scammers. I contacted company ( XXXX XXXX ) where debt originated and of course, they have no record of me, my name, address or other info that would indicate I had ever done business with them. I contacted XXXX and FTC and now am trying to jump through all these hoops to get the fraudulent report removed from credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from a debt collector about a debt that I had previous reported and have been reporting identity theft on. I sent the copy of the police report, statements, and evidence of my identity theft every six months sin
ce XX/XX/XXXX. 
This debt was with another debt collection agency and it has been sold to Collection Bureau INC after I began reporting identity theft, the latest  time XX/XX/XXXX, on this debt. 
This debt has been recycled and it is a result of identity theft.
Product: Credit reporting or other personal consumer reports

This credit reporting agency is using old delinquent payment history of accounts that have been discharged in my bankruptcy to calculate my credit score. Under the bankruptcy laws accounts that have been discharged are not to be included in calculating credit scores as they have been discharged.
Product: Debt collection

The company in question is calling every 90 minutes on weekdays and Saturdays. The company called twice this past Sunday XX/XX/XXXX. I advised them not to call on Sunday and to call back on Monday if they wanted to speak.