23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

As a result of previous complaint Sierra Auto Finance agreed to remove negative listings on my credit report. Which the item was removed from my XXXX XXXX and XXXX reports as the company agreed. Sierra Auto Finance then reported this as a new item to my XXXX report on after they agreed to remove it. This item showed up on my report today. I have attached the copy of my credit report where this item was reported as well as the previous complaint where Sierra Auto Finance said that they would not report the negative item anymore. Why would you agree to remove it to report it to another credit reporting agency. This is malicious, to agree to remove the item and to report it to another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to put freezes on my credit. With Equifax I first tried their website, then several phone numbers. In every case they say then need to verify who I am. One of the questions they ask is my mobile phone number. I do not have a mobile number. After that question they say they can't verify who I am and hang up. I never actually get to talk to a person. I sent an email to them saying I did not have a mobile phone. They sent me an email from XXXX XXXX XXXX - Customer Service Support <cust.serv@equifax.com>. on XX/XX/20 listing 3 customer service phone numbers. Every one of these numbers asks for my mobile phone number as a verification question. I can't be the only one in this country without a mobile phone. Please tell me how I can get Equifax to put a freeze on my credit.
Product: Debt collection

Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind this inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Product: Checking or savings account

My checking account has been restricted due to a check that was written out to me for {$3000.00}. The person who wrote the check went to their bank and claimed the check was fraudulent, so their bank contacted my bank and a restriction was placed onto my account and the {$3000.00} was taken from my account. My bank made a decision to end all ties with me and to close my account. I understand they have that right. But its been over a year and many phone calls to my bank to lift that restriction so Im able to close my account and take my money out of my account. I tried speaking to someone today, I kept getting transfer to 3 different departments to resolve the issue and they came to a conclusion that I have to wait, they are not able to help me in anyway and told me to wait it out and the system may lift the restriction and close my account. They are not able to give me any timeline or even a number to contact, all I need to do is wait. When this all started they told me my account is under investigation, which takes 3 months. And every time I call them they just give me the runaround. Its been over a year, and now they tell me to keep waiting without any timeline or give me a number to anyone that can help me. It doesnt seem that my account was even looked at when they keep telling me its under investigation. All I want is to close my account so I can retrieve my money in my account. The {$3000.00} that was deposited in my account was already taken back and I resolved the issue with the check issuer about the matter. What can I do? Please is there anyway you can help.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

I placed an order for a medical supply, which was delivered after the required date. The merchandise was returned to and accepted by the shipper. I have provided all the documentation requested by Citigroup 's dispute department, include a letter from XXXX confirming return of the shipment. The Citicard credit card company is refusing to issue a credit for the amount of purchase.
Product: Bank account or service

Wells Fargo opened an account in my name and has had someone named " XXXX '' send XXXX of dollars in the last year. The account ends in XXXX and over the past year, I have received no less than 20 notifications that XXXX of dollars had been sent to me. I have called and walked in to a branch to complain about the account that was opened in my name and no one from Wells Fargo will close this fraudulent account. Closing my all of my accounts with them did not help. As of today XX/XX/2017, I am still getting notified of XXXX sending me money through Wells Fargo XXXX to an account that I never opened.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a financial institution 's failure to provide me with a paid-in-full letter for an account. After being told by several of their representatives that I would have one once it was paid in full. I have successfully settled the debt. Despite fulfilling my financial obligation and making full payment, I have yet to receive written confirmation of this closure, which is necessary for my records.

The details of my case are as follows : Creditor/Lender Name : American Express Account Number : XXXX Date of Final Payment : XX/XX/XXXX Method of Payment : XXXX I have made multiple attempts to contact the creditor to request the paid-in-full letter, the most recent was on XX/XX/XXXX chatted with XXXX who stated that he would mail the letter in 5-7 business days. After following up today-XXXX with Abyss through the same chat feature who stated he will email me a letter, but what he email was not a letter and then proceeded to tell me he can not send a letter. I have not received a resolution. This document is essential for my financial records and credit reporting purposes, and the failure to provide it is causing unnecessary difficulty. 

I respectfully request the CFPB to investigate this matter and ensure that the creditor provides the necessary documentation confirming that my account has been paid in full. Enclosed are copies of my payment confirmation and any previous correspondence related to this issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. Please feel free to contact me at XXXX or XXXX for any further information. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally dispute the validity of the debt referenced on my credit report regarding account number XXXX. 

I assert that I am not liable for this debt. The documents you provided, specifically a blanket bill of sale with a random signature, does not constitute adequate verification of the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 807 ) ( 2 ) ( A ), debt collectors are prohibited from making false, deceptive, or misleading representations regarding the character, amount, or legal status of any debt. 

The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX underscores that debt XXXX must provide valid proof of the debt, including documentation that they have the right to collect it. 

Additionally, the ruling in XXXXXXXX XXXX XXXX  confirms that a blanket bill of sale without sufficient proof linking me to the debt does not satisfy the verification requirements under the FDCPA.
Product: Debt collection

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.
Product: Credit card or prepaid card

Between XXXX XXXX and XXXX XXXX 2017, Citi did not send me emails notifying me of a statement available on my account, in violation of the Fairness in Lending Act and their Paperless Terms & Conditions. Citi has reported delinquent non-payment during this period to the credit reporting agencies. This card was not linked to my online account during at least this time period, potentially even longer. No balance due was visible to me, and I was not able to access current or prior statements online. Thus, emails regarding statements which were actually sent about or after this time period did not materially provide a statement. They only contained a link to my online account which this card was not linked to. When I called Citi on XXXX XXXX, 2017, Citi was unable to confirm an amount due against my card. Citi never alerted me to : the original balance due, a failed AutoPay, my removal from AutoPay, or a deliquent balance. Citi failed to adequately contact me by email, phone, or mail regarding this issue. The attached emails constitute the entirety of email communication from Citi regarding this account between XXXX XXXX - XXXX XXXX, 2017. Citi has claimed to have contacted me via mail which is false. The only potentially related contact I have are identical voicemails on my phone from XXXX advising me, at their most explicit, to " login at www.citicards.com and review your account status ''. Which I did. Which again did not show any balance due or problems with my cards visible there. I informed Citi of the missing statements on XXXX XXXX2017 which meets the deadline under the Fairness in Lending Act.
Product: Credit card or prepaid card

I paid a purchase in XX/XX/XXXX & used my Amazon Visa Chase credit card. My balance with them before this purchase was XXXX dollars, since they were paid off in XX/XX/XXXX. Then two purchases were made, first one on, XX/XX/XXXX for {$10.00} & the second one on XX/XX/XXXX for {$190.00}. I was offered a Promo at zero percent interest until XX/XX/XXXX. I never received a bill & forgot all about the purchase. I never received a bill from this credit card company & any notifications of late fees. When I went to purchase a new vehicle in the beginning of XX/XX/XXXX, I was then informed about this. I called them to see what was going on & was then informed that I was paperless, which whenever I owed them money before, it was always by paper. The first lady I spoke to at Chase waived all the late fees & then informed me that I was put back onto paper bills & that it was okay to pay the {$35.00} each month until pay off. She also informed me, that my credit card had been closed. I informed her that I never received anything notification about any of this in the mail or even received calls. I made my first payment to them that day, XX/XX/XXXX of {$35.00}. The next bill that I received the beginning of XXXX, showed all the late fees taken off, some interest removed, my payment that they received on XX/XX/XXXX plus a {$38.00} late fee charged to my card on XX/XX/XXXX. I called Chase today, XX/XX/XXXX to see why I was being charged a late fee when they were paid on XX/XX/XXXX before the due date & also asked them why the minimum payment was the full amount of {$160.00} which it should of been {$120.00}. I had to call two different times because no one really understood what I was saying & just kept transferring me to different departments. I ended up just hanging up & then calling right back & asked to speak with a manager. Tried working out my monthly payment arrangements back down to {$35.00} like it's suppose to be & they informed me that they couldn't help me, that I had to pay the full remainder of {$160.00} & wouldn't waive the late fee since it wasn't paid in full last month. But I was not told last month that I had to make the full payment, that I would be able to make the {$35.00} monthly payments. Now they tell me, that I have to owe them over {$500.00} before they can help me. So basically I will just be paying a late fee each month & nothing will be going to pay off my card. I actually only should be owing them a total of {$120.00} as of right now. I have already scheduled a payment on the XXXX of this month in the amount of {$35.00}, which then my total owing would be {$91.00} plus interest. They are stating that I am the only one that can make my bill go paperless, but I don't see how, because I never ever received my first bill, that I should of gotten in late XXXX early XXXX.
Product: Mortgage

I received my XXXX XXXX, XXXX Bank of America Home Loan Account Information Statement and it is wrong. Bank of America is saying that I must pay {$980.00} which includes my Ground Lease Rent Payments, but there is an overage of {$54.00}. At no time did I request for insurance to cover this loan. 
Please see below for my own calculation : Mortgage is {$670.00} which includes escrow. 
Ground Lease Rent Payment is {$760.00} each quarter. This is {$250.00} per month. Again, I pay {$760.00} each quarter. 
Total to include Mortgage and Ground Lease Rent is {$930.00} Bank of America is charging me an illegal overage of {$54.00} Please correct this problem. 
Just getting a response from them that is incorrect, wrong, will not correct this problem. It will just let Bank of American continue to do what ever they want with their customers. 
We need corrective action from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters to equifax, XXXX and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX Balance : - XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Capital One Bank blocks access to my account from financial apps and websites that I use to manage my finances and also does not allow me to connect my other bank accounts without using CapitalOne 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Product: Mortgage

My homeowner 's insurance was cancelled as of XX/XX/2023. I contacted my insurance agent ( XXXX XXXX XXXX XXXX, FL ), and they issued a new policy from XXXX XXXX XXXX company on XX/XX/2023. Rocket Mortgage customer service contacted me stating that they had no proof that new insurance has been obtained. On XX/XX/2023 at XXXX XXXX, I faxed a copy of the XXXXXXXX XXXX policy declaration page to Rocket Mortgage. I have a copy of a fax delivery report proving that it was delivered to them. On XX/XX/XXXX, I received a letter from Rocket Mortgage that they will be purchasing a third party insurance policy for my home. The letter stated that this was their final attempt to contact me, and that my current policy had lapsed. 

I believe that the personnel working the Rocket Mortgage office must be living under a rock. The tremendous insurance calamities and issues in Florida have been publicized for a long time. I am opening this claim to stop the harassment from this company, and the threats to purchase third party insurance. I have provided ample evidence to them that my homeowner 's insurance policy is active and in good standing.
Product: Money transfer, virtual currency, or money service

I purchased XXXX ETH  on Coinbase on XX/XX/2020. 

When trying to transfer that same sum of Ether out of my Coinbase wallet and into my own personal wallet, my funds were unexpectedly withheld for undisclosed " security '' reasons. Even after completing two-factor verification for the transaction, I received a message saying " A withdrawal from Coinbase is being delayed as a security precaution. '' The status of my transaction being displayed as " WAITING FOR CLEARING ''. My funds are gone from my account, but they're being withheld without any ETA or explanation. Coinbase support has been useless.
Product: Mortgage

On XX/XX/2018 we sold a plot of land at Lot XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX Arkansas. The title company discovered that our mortgage company holding the mortgage on our home at XXXX XXXX XXXX in XXXX Arkansas has made a mistake on our mortgage documents and included a lien on the plot of land at Lot XXXX XXXX XXXX and another unrelated lot. 

During XX/XX/2018 we made several attempts to contact someone at US Bank to help us resolve the issue. We were transferred back and forth and finally given a fax # to send our documents to. We attempted to fax many times over several days but the fax never answered. We then were finally given an email address for a person at the bank we could send our documents to. After 3 email attempts with no response, I emailed that person that I would have to file a formal complaint if I didn't get some response. On XX/XX/2018 I received an email response that our file was being sent to their title department to fix. I waited another week and emailed again to inquire about the progress and received no response. I emailed the individual 2 more times and have not gotten any response. 

The closing for this land was originally set for XX/XX/2018. It has been postponed indefinitely until the bank releases the lien.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX - {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- REINVESTIGATION IN PROGRESS ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section XXXX