23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Georgia XXXX XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit card or prepaid card

On XX/XX/2020, I used by Citibank mobile application to pay my credit card balance. My bank is Citibank and the credit card company is Citibank XXXX XXXX. 

Problem : The day I authorized {$8000.00} from my Citibank checking account to Citibank XXXX credit card, I had experienced a systems glitch. Specifically, when I pushed the submit button, the system crashed and I had to resubmit the request. However, unbeknownst to me, the system had duplicated my request and withdrawn double the amount of my intended payment. Hence, {$16000.00} was requested from my checking account. This caused an overdraft of my checking account and caused an insufficient balance penalty. 

Request for CFPB : I request that this department investigate the Citibank 's mobile application that allows duplicate payment without verification. In my case, the systems glitch in Citibank 's mobile platform allowed a duplicate payment to be made within a minute of each other. 

Additionally, Citibank XXXX Credit card company has made things difficult by not helping with the insufficient funds penalty. Rather, the supervisor for the credit card told me to contact my bank directly to ask for a fee waiver even though the problem arose with the systems issue with the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft 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 alleged fraud or extortion. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  AV XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Product: Debt collection

Nationstar Mortgage Servicing and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX conducted fraudulent transfer ( substitution ) of unsecured debt. Illegal transfer of a deed of trust from an unsecured party. Setting a trustee sale date in an effort to force dispossession of title.
Product: Credit card or prepaid card

Since XX/XX/2020, I have been attempting in vain to arrange for a payment plan on my account since I was adversely affected by Covid-19. I was laid off from work and could not pay my bill. I received a notice from XXXX XXXX XXXX that my account was in collections. I was informed that I would have to call back to arrange for a payment plan since a supervisor was not available. Since that time, I have called both XXXX and Barclay 's approximately 7 times to try to get this matter resolved. On XX/XX/2020, I was informed by XXXX XXXX of XXXX that Barclay 's had reclaimed the account as of XX/XX/2020 and that I would have to call back since he could not accept a payment from me. I also called Barclay 's on XX/XX/2020 and spoke with XXXX ( # XXXX ) and account manager XXXX, both of whom told me they could not accept a payment from me since it was being " charged off. '' On XX/XX/2020, I called and spoke with the Collections Department who also told me to " check back '' because my account had not yet been assigned to another collection agency. On XX/XX/2020, I called and spoke with XXXX XXXX who told me the same thing. There was a TV blaring in the background. On XX/XX/2020, I spoke with XXXX of the " Back Line Department '' and he told me the same thing. During this entire time, late fees are accruing, interest is accruing, and I am being negatively reported to the credit bureau. All I want to do is get on a payment plan and get back on track since I am now working again.
Product: Credit reporting 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. 

Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 XXXX 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.
Product: Vehicle loan or lease

Several years ago, I Obtained a loan from Capitol One Bank for the purchase of a used car, with " automatic payments '' taken monthly from my XXXX XXXX XXXX Account. The payments have always been " auto pay ''. One month, they did not take a payment and continued on taking payments, the next month, until XX/XX/XXXX. So account is current. Bank statements show payment on 2nd of each month since I have had the loan. No LATE Payments. Ever. They told me to request investigation but it takes a couple of months to do an investigation and I'm interested in purchasing real estate at this time. The Credit Bureau shows 5 or 6 months of consecutive late payments which is impossible since Capitol One deducts payments on the 2nd of each month. I just found this out when they pulled my credit report. Bank shows all payments to Capitol One by 2nd of each month for the duration of this loan, to this date. Please help me!!
Product: Debt collection

I called the gas company to shut off service at the curb as I had explained that we had already moved & nobody would be there to let them in. They said that would n't be a problem. After receiving this bill, I was told that while there to shut the gas off, a male came to the door & told them not to shut it off, & for some reason, they listened & kept the gas on in MY name. I was never even contacted with any questions or concerns about this matter, they just stuck me with the bill. There is no reason that I should be held financially responsible for a squatter, in an abandoned house, because of the XXXX XXXX Co workers complete negligence, yet when I spoke with a representative, they told me that I am responsible for it. Absolutely not.
Product: Credit card

I have a business credit card with Capital One. Over the last several months, Capital One has ( according to their customer service and fraud departments ) changed my BUSINESS mailing address on the account to my residence address without my knowledge or authorization. I have just spent over XXXX minutes on the phone trying to resolve this, only to discover they have changed the address yet again. They have escalated this to a " fraud '' investigation, yet THEY are changing the address - they say - based on information they are receiving from the Post Office. They have never verified these changes with me, the card holder. They simply change the address, and as a result the due date on the account also changes ( which is what prompted the call by me ). It seems address changes should be verified by the account holder, as anyone with computer access can put through an address change - and in this case - redirect mail away from the business address to a residence. Fortunately, it went to my personal residence, but these changes should not be made " automatically '' ( their word ) without verifying the change with the person RESPONSIBLE for the account. My attempts to resolve this through their customer service department was fruitless and incredibly frustrating, especially given the language barrier.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Please provide me with a copy of any contract I signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) I request the following information. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing that the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

This debt was charged off in XXXX and it then reappeared on my credit report in XXXX and XXXX. 

Please cease and desist from collecting on this debt until you have provided validation of debt. 
Additionally I request that you do not access my credit report or report anything to my credit bureaus. 

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of RIA Financial to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with RIA Financial. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my RIA Financial account to a fraudulent person.
Product: Mortgage

I tried to access federal information about insured mortgages and then searched for an online application. I did not notice that the link I clicked on, which appeared to be a website supported by HUD, was actually something called Rocket Mortgage. I was very clear that I was seeking a first time mortgage, clicked on something to that effect, requested application to apply for first time mortgage. I was redirected to a site that entailed my creating an account with Rocket Mortgage, which I, reluctantly, did. Only when I had completed that account creation did it become apparent that my " account '' was for refinancing a mortgage. I exited the account platform and tried to sign in to access a first home buyer interface. I was not permitted to do so unless I created a second account -- a completely additional account, new password, with all my personal info. This doubling up of a single company 's account with dual accounts for me is part of a persistent scam of impersonators for me on line. I tried to locate information to close the scam account and was not permitted to do that, either. I submitted a complaint to the company about this state of affairs. I have zero confidence that the scam account will be closed even if I get a ( probably fake ) email being all kinds of solicitous of my belief to that effect. So now there is a fake Rocket Mortgage account out there with my personal information and good credit score to be used by people impersonating me on line and very little I can do about it.
Product: Credit reporting 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. 


XXXX XXXX XXXX XXXX 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 Section2 : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Applied for modification in XX/XX/XXXX. The company delayed the modification process for months causing us to fall delinquent. The company continued to request duplicate information which we complied with each time. Each time we complied with a request we would receive correspondence from the company confirming receipt, confirming the information was correct, then correspondence that the information was in fact NOT correct and they needed updated different information. In XX/XX/XXXX we began to receive notices that a foreclosure was pending and a lawsuit had been filed. At the same time we continued to receive notices that the modification application was still under review. In XX/XX/XXXX when I contact CFPB, which in turn contacted PHH Mortgage, suddenly the application was approved and we were to enter into trial payments as a condition to being approved for a permanent modification. In XX/XX/XXXX we completed the trial payments and were told that the modification would be finalized. In XXXX, amid the Covid outbreak, we received paperwork to be notarized, and returned to PHH. PHH arranged to send a Notary to our home to process the paperwork on XX/XX/XXXX. The Notary sent the paperwork to PHH and we received work from PHH that the paperwork was incorrectly processed by the Notary. They scheduled another notary to process the paperwork in XXXX and we received word that PHH never received the paperwork so our modification was being denied due to failure to return the paperwork in a timely manner. The PHH representative then called us and admitted that the mistake was on his part and he should have stayed in better contact with the notary. PHH sent a Notary to us for the THIRD time. This time we also retained original notarized copies and mailed them certified to PHH. We have now been told that although they received the paperwork, they are not sure if " the Department '' will reverse the denial and they have subsequently refused the XXXX payment. Their continued incompetence in the handling of this matter is resulting in continued fees on our account as well as negative credit rating. This issue has been pending for over a year.
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. US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

'm making this complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things dated XX/XX/2023. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with the credit reporting agencies and also filed previous compliants in refrence to XXXX XXXX XXXX and the alleged alligations that was being reported on my credit profile. The credit reporting agencies stated that they had verified the account and to contact the data provider in refrence to the alleged alligations to aquire physical proof. I have made several attempts to contact XXXX XXXX XXXX AND THEY HAVE FAILED to respond to my letter ( section 609 ). Im submitting physical proof of my attempts and also successful delivary of my letter to the data provider, per section 609 states if the creditor failed to validate the debt within 30 days it must be deleted. My letter sent was CLEAR as to what I was requesting. To provide me with physical proof to the alleged alligations being reported or DELETE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX XXXX reporting on my credit report account # XXXX that is charged off/written off in the amount of {$28000.00} that i never applied for on XXXX, equifax and XXXX wiithout my consent. And also there is a XXXX XXXX reporting as well that i did not authorize the opening of nor do i have knowledge of this company. I am a previous victim of identity theft, so i do not know how these came to be. Please have them removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.