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

This is my second endeavor to tell you 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : - CREDIT XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} CCS XXXX  XXXX Balance : {$1300.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX C SYSTEM XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15  USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXX XXXX  XXXX : Acct # XXXX, Acct. name XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX, I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Chronologically, XX/XX/XXXX I purchased a home at XXXX XXXX XXXX, XXXX, PA XXXX. The mortgage was arranged through a mortgage broker, XXXX and the mortgage was through XXXX. It was a variable rate mortgage that I was steered into as the only available option to me. I never fully understood the ramifications or consequences. The mortgage was apparently sold quickly to EMC Mortgage. We took out mortgage protection insurance offered by the lender, but with the soon to be shuffle, problems within the housing bubble and selling of the loan which got worse and worse, somehow the insurance just disappeared. As it was an adjustable mortgage, it got to the point where I could n't afford the payments. Concurrently, other financial institutions got involved who I had no idea of, such as XXXX and XXXX. Actually, the first I heard of XXXX was when they filed a foreclosure against me. Shortly thereafter, Chase took over from EMC somehow ( very confusing ), and began a push to to have me modify the loan. Scared, and figuring I had no other choice, I followed their instructions, and modified the loan. Again, I did n't really understand the ramifications ; and it was n't until I sold the property in XX/XX/XXXX that I realized how bad a mistake this was for me. The original mortgage loan of {$240000.00}, which I had paid down to {$220000.00}, was now {$340000.00}! I was shocked to say the least! I ca n't understand the how and why of so many banks and deceptions in this convoluted mess. I did subsequently learn that EMC Mortgage and Chase were one in the same - they have the exact same address. I believe that I was initially forced into a bad mortgage situation by the mortgage broker, and when it adjusted to a much higher level than I ever anticipated, I was ultimately forced again this time into a loan modification which had an astronomical cost to pay off. I tried to secure a complete file of all documents including the mortgage insurance, but I can never get everything - Chase says that the loan moving from financial institution again and again, these documents are lost. I think they are conveniently lost so that Chase/EMC can strong arm me while giving the appearance of not being culpable for anything. Please help!!!
Product: Credit card or prepaid card

XX/XX/2022 I ordered a special order kitchen from XXXX XXXX. I called CitiBank XXXX XXXX XXXX for a credit increase to cover the kitchen. Kitchen price {$29000.00} so available credit was XXXX. 

XX/XX/2022 I received a bill. I was surprised because I am being made to pay when I will not get a kitchen install un til at least XXXX but I made the payment of {$290.00} on XXXX. The promotion was to be pay balance within 24 months to get differed interest and it was not. The premotion was incorrect at 6 months. 
XXXX XXXX XXXX Citibank agreed that it was input wrong and said it would be correct next bill. 

XX/XX/2022 I received my next bill. To my surprise CitiBank charged me for a whole other kitchen. Same dates of charge but 2 kitchens. The original purchase with my payment deducted AND a whole other charge of {$29000.00}. This other charge is for 24 month promotion. This has inflated my payment from {$290.00} to {$580.00} and have overdrawn my account to {$58000.00} I caled CitiBank and talk to XXXX and XXXX who try to tell me it is XXXX XXXX fault and they need to fix it. I call XXXX XXXX at XXXX XXXX manager for XXXX XXXX XXXX. XXXX XXXX didnt do it. 

On XXXX I finally get CitiBank to admit it was their fault and it would get fixed. 
On XXXX I make my payment for the kitchen I purchased, {$290.00} - I did not pay the {$580.00} because I did not order 2 kitchens and I still dont even have 1. Citibank was to remove the charges they put on my account and should have corrected the over minimum. 
If you didnt order the item you should not have to pay for it. 

I received my next statement There was a late payment of {$29.00} and a past due amount for {$290.00}. Both of these charges are on something I didnt order that CitiBank billed me for fraudulently. 

I have called every 3 days since. I have been told it will be taken care of. I have been told I will get a call back. 
I have been hung up on. 
I have been called for " collection of a debit '' and told I will be sent to collections. 
Citibank did manage to remove the {$29.00} fee BUT Im sure it will be back next statement. 

XXXX I made my payment of {$280.00}. 
I called XXXX at XXXX Citibank and was told, citibank will not remove this and that i just need to pay it and that this WILL affect my credit rating if i dont. 

I have a call into XXXX Installs to cancel the kitchen. I still dont have a kitchen and have been paying. CitiBank has made this whole process a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious accounts listed below. 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 previous complaint and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Debt collection

Midland credit management has been making threatening and excessive phone calls. I have formally asked for detailed information on what the debt is for ( from XXXX  years ago ). They have not provided me any information. I just received notices from an attorney wanting to represent me that midland has a judgement against me and will freeze my bank account. This letter was from XXXX of 2022. Midland only demands payment and threatens me. They have not provided me any information on what the debt is specifically regarding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX  XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX  # XXXX {$2100.00}, XXXX XXXX # XXXX {$1400.00} 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 without authentication Discover Financial ran an unauthorized hard credit Inquiry. I didn't realize until I checked my credit report a couple months later and noticed an address XXXX XXXX XXXX XXXX XXXX XXXX FI, which has NEVER been or is NOT my address. I've never lived in Florida. In result of the fraudulent hard inquiry my credit score dropped XXXX points. I've attached a picture to support the fraudulent hard inquiry pull on my credit report, a picture to support unknown address on credit report, and a picture showing the XXXX points resulting of the fraudulent hard inquiry pull.
Product: Mortgage

I recently be came informed of the National City Bank settlement, which charged XXXX and XXXX borrowers higher prices on their mortgage loans between XX/XX/XXXX-XX/XX/XXXX. According to the National City Consent Order Administration, I was told today that since my name and address was not listed, therefore, I was not sent a form package to submit by their deadline XXXX XXXX, XXXX. It seems that both National City Mortgage omitted me from their package information distribution settlement ; although I paid 6.75000 % interest in XX/XX/XXXX and in XX/XX/XXXX paid 8.7500 % on a fixed mortgage according to my print outs from their website. During this period, multiple changes of account numbers, multiple payments to National City Mortgage and countless issues. 
All long, PNC Bank, negotiated the acquisition of National City Mortgage purchased in XX/XX/XXXX, but did not reveal itself until XXXX XXXX or XX/XX/XXXX to its ' borrowers. And I am facing Foreclosure under PNC Mortgage with no relieve in XX/XX/XXXX. 
As for the settlement, if the borrowers were not made aware of the settlement by National City Mortgage and PNC Bank was fully aware of this response time frame as well ; why was this information not disclosed to all borrowers. It seems that non-disclosure limited their liabilities to select who they were reimbursing the XXXX settlement. Why was I not informed nor participated in this settlement.
Product: Checking or savings account

I sent a XXXX transaction of {$1200.00} on XX/XX/2022. The persons name is XXXX XXXX XXXX XXXX She blocked me on everything after I sent her the money.
Product: Credit reporting or other personal consumer reports

This listed information should be removed from my credit report, I sent multiple disputes bureaus are not responding to my claims of inaccurate false information that cannotbeverified, The bureaus have not sent anything in response and have to provided any propervalidation.
Product: Money transfer, virtual currency, or money service

I am writing this to express my concern regarding Zelles handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the problem. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about their customer safety.
Product: Debt collection

About 60 days ago to be exact i viewed my credit report and noticed an account on there from the company i am filing this complaint against .... ARS ACCOUNT RESOLUTION. I was not aware of the debt because i was never notified by them or the original creditor. It says on my credit it is for medical but i have insurance?     I sent them a certified letter on  XXXX   XXXX  and i still have not heard back from them and the account is still listed on my credit. I do n't understand how they can post a account on my credit that is not mine and or post an account on my credit without validating the debt first to even see if it were mine or to offer some type of resolution.
Product: Credit card

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 an account without my written instruction.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

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 XXXXXX/XX/XXXX I have attached a copy of my ID for identity verification.
Product: Debt collection

I received a collection letter from Aldous & Associates regarding XXXX XXXX, on XX/XX/XXXX in the amount of {$290.00} offering a 50 % reduction if paid in full. I requested a validation. No validation sent and they then reported me for 3 separate accounts for {$630.00} to credit bureaus. I sent a CFPB complaint and received back 3 contracts, One was back from XXXX which does not have my signature which makes this contract NULL AND VOID. The other contract for {$160.00} was from XXXX which again does not have my signature the signature is literally a one line scribble, the 3rd contract XX/XX/XXXX was a month to month which was paid for two months and the gym closed due to covid XXXX- XX/XX/XXXX. XXXX sent an email stating due to the covid closure the accounts were frozen and no membership fees charged. I called and canceled in XXXX of XXXX after I saw that the kids club would remain closed and it was limited access on appointment only. They sent an online agreement when they reopened I never signed due to reasons just stated. the kids club remained closed which they still charged me for. At no point in time have they sent me a statement detailed as to which months I allegedly owe them for. Due to my calculations, the two contracts without my signature are null and void, the XX/XX/XXXX I paid for the two months they were open and due to closure and not fulfilling their portion of contract, my cancellation in XXXX should leave me at XXXX to pay the,. See attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  XXXX XXXXAlly Financial x2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX  XXXX 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 15USC 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 withouth 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 purpose.