23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Notice to Cease Communications Certified Mail TO : Citibank XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2018 RE : Acct. # s XXXX & # XXXX To Whom It May Concern, This letter is in response to the many phone calls I have been receiving from you concerning the above mentioned accounts. 
1. I am requesting Citibank to cease further communication with me by PHONE concerning these accounts. 
2. I am requesting Citibank to close both these accounts Please DO NOT communicate further with me via phone with respect to these accounst. 
You are harassing me calling numerous times and leaving messages as I have a seriously ill individual who I care for and these numerous calls stress her. 
Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act,, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or any other phone. 
I am keeping a record of each call. I am requesting that you communicate with me only in writing. I simply wish you to cease all communication via phone calls. I do not admit or deny liability on the debt. I just want you to stop calling me. 

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

I have tried tor to resolve my issue of a loan modification with Bayview Loan Servicing several times. I have resently filed a complaint against them for not allowing me to have modification do to an issue with my employement during the last one that made it impossible to make the third , and last payment on time for my last modification. I gave them evidence of the change in income, and job that caused this, and it was not excepted, even though I did try to make the last payment only two days after their cut-off date . In their last denial, they gave me the option to file for another loan mondification along with sort sale , and deed in-lew of foreclosure. I submitted a new loan modification application on XX/XX/2019, requesting new consideration. I Am doing this new application even though it has been over a year since the old approval , to which they have denied my because I an still the year due to when the trial months fell, not the approval itself. I want to ensure that I will be given fair consideration , and not rail-roaded into losing my home.
Product: Credit reporting or other personal consumer reports

This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 14 days since I mailed the request. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I had checked my credit report through credit wise. And I had noticed that on my report was a account through Wells Fargo bank stating on a charge account with a {$3800.00} credit limit. Account opened on XX/XX/XXXX. And highest balance reached was {$840.00} and account closed was XX/XX/XXXX. Which, I have NEVER had any accounts through Wells Fargo bank. But my father has, me and my father have the same name. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX my father did NOT commit a crime, but the companies have always reported it wrong. I contacted Wells Fargo this after noon of XXXX XXXX. And they stated we have no information on you or youre fathers name so I stated I will be filing a report on this. And so here I am. This is wrongfully on my credit report and I would like it removed as this violates FCRA -fair credit reporting act-. And after 60 days I do not get this account removed from my credit report and/or a letter in the mail stated this account has been removed by Wells Fargo , I will be contacting my lawyer. Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I purchased a phone by using Paypal. Paypal says that they will allow you to put in a claim if you have a problem with the company. However, paypal closed my claim without working with my to verify that I sent back the phone. So, I ca n't seem to contact paypal, and get a real answer, and my claim is closed, so I am apparently out the money that I spent on the phone, and I have no phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a house on XX/XX/XXXX through XXXX XXXX. XXXX they sold my loan to someone else, which was expected. I checked my credit XXXX and it still showed that I owed XXXX XXXX. I contacted them the end of XXXX and they said that it should be taken off by XXXX. I looked again on XX/XX/XXXX and showed that it was still open. I have been talking to the original broker and they have been working with their corporate to get this taken care of. I spoke with them ( XXXX XXXX ) on XX/XX/XXXX, XXXX, XX/XX/XXXX by phone and email. I have had my realtor contact them as well on XX/XX/XXXX and she gets responses that say they are working with their corporate as well. On XX/XX/XXXX the last response was the XXXX XXXX spoke to the CEO of XXXX about the problem and he said that he was going to look into it. Still nothing. Right now it shows that I owe XXXX XXXX on my home. And it still shows open. My credit usage is 96 %. Right now, the stress and the limits this is putting on me is not right. The broker is doing everything they can and they are also not getting anywhere. I need this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many, many times tried to get these Hard Inquires off my report. I have now obtained the letters to get them off as requested many times, by the CRA to get them from the inquiries. So I scanned and attached the letters to get the hard inquires of my consumer credit report. The only thing to do is get the letters then send them to the CRA as they would n't do the work themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XX/XX/XXXX Dear XXXX, EQUIFAX, XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : FRAUDULENT INQUIRIES : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XX/XX/2021 to validate the debt on XXXX accounts. They responded to me stating they were unable to validate the debt and they would no longer be trying to collect on the debt and they would be contacting the credit bureaus to have the debts deleted/removed. The company removed the debt from one credit bureau and then placed it back on my credit report, so it is still showing on all credit bureaus even after they stated they couldn't verify and would be having it removed.
Product: Mortgage

I was provided a preapproval letter and provided that to my agent snd the listing agent and then was told after receiving the letter that I needed to pay off a vehicle and a small loan to qualify. That information was not listed in the preapproval and then the Loan Officer advised the listing realtor that she did not provide a preapproval for myself. I have put my monies down and paid for an inspection for this home and now I have nothing and I look like a buffoon and a liar. This is very unfair and I just wish for a resolve to help me so that this company will not do this to anyone else. The company in question is Cardinal Finance and the Loan Officer is XXXX XXXX. She began as a very pleasant person but it ended as if she felt as though I was a second rate citizen who did not possess the know how snd I have made two purchases for homes prior to this experience and it was not like this at all. Falsifying paperwork to provide to other entities and using verbiage that is not viable to your request again is unfair. If I did not meet the criteria for the loan then she should have not provided a document for preapproval she should have only provided the document for what I qualified to received which she told me that I only qualify for XXXX through their automated system and not XXXX or XXXX which ground gave subsequently been the loan amount after the down payment. Please help to resolve this issue so that other consumers like myself can be clear or in essence set in place that a lender can not issue a preapproval for an amount without ensuring that the borrower is clear on any conditions prior to releasing that document and publishing it on their companies dashboard for the consumer to docusign and accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NAVY FCU Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX Both do not have a bankruptcy on my credit reports. Why won't you investigate my disputes? Why are you ignoring the law? I am set to sue you with proof that you knowingly report inaccurate information on my credit. You Transunion are defaming my financial character by reporting false information. By law you must investigate and you refuse to do so. 


XXXX XXXXXXXXXXXX XXXX XXXX  The credit reporting agencies must only report accurate info. You are bound by law! 
The XXXX of XXXX, XXXX, and XXXX will make you remove this my report, and the glory belongs to his Son, The XXXX XXXX XXXX!
Product: Debt collection

I asked Revenue Enterprises for a debt verification since I have been receiving different debt collection accounts with different amounts. Weeks later a debt collector from Revenue Enterprises called me asking for my spouse, my son, and my personal information. I refused to provide him the information, he threatened me to report me to the credit report agencies and that he was going to damage my credit. 

On XX/XX/2018, they answered my request for debt verification on one of the accounts. I'm still waiting for the other two accounts. I received a statement that only shows the services provided and the amount already paid, but they fail to send me a detailed receipt and they refused to tell me why I owe them this money. It looks like they want me to hand them my money for no reason.
Product: Checking or savings account

I was charged thousands of dollars by XXXX XXXX XXXX and Wells fargo refused to initiate the claim process for the said funds. 

I asked multiple times in which they stated since they texted me a varication code, that the charges were valid when they were NOT. 

I want the charges refunded back to me. 

Wells Fargo now has told me they are closing my account because of a security risk. The disputes against XXXX XXXX coins were indeed valid and need to be credited back to me. 

I would like my money and my accounts to remain open
Product: Debt collection

On XX/XX/year> I received a call from Regional Finance to informed me they sent a live check/unsolicited check to an address that I have NOT reside at for the past 3 years, also to informed me the check was cashed on XX/XX/XXXX, I explained to them that I had no knowledge of that check and I was not the person who cashed it. Later that day I went to Regional Finance in person to speak to someone who could help me, I spoke to XXXX XXXX the General Manager, he told me he was going to submit a ticket and that the fraud department was going to mail me/contact me about an affidavit for me to sign and return to them, he also ask for a copy of my drivers license and my current address and email, he also told me the amount on the check was {$1700.00}. Its XX/XX/XXXX and I have not received anymore information about this matter. I want to get this resolve before it affects my credit, finances and emotional health.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze in place with Experian. I originally put this freeze by submitting an online request on Experian 's website and was provided a PIN number to lift the freeze as needed. I recently tried lifting the freeze by submitting an online request. Even though I supplied all the information requested, I have not been able to lift the freeze on my report. The website instructs me to mail several documents to Experian. Similarly I tried to use the phone number provided by Experian and even after entering all the required information and PIN, I was instructed to mail them a hard copy of several sensitive documents. I tried both the online method and phone method several times unsuccessfully. 

The requirement to mail several sensitive documents such as copies of IDs, social security cards and utility bills is against the nature of privacy protection and introduces additional risk in case mailed documents are lost or fall into wrong hands. Experian is not making an effort to make the process easier for consumers to put/lift freezes on their credit reports and this is not acceptable.
Product: Debt collection

1. Central Resources is a debt collector who prematurely attempted to collect a debt. 

2. In violation of the FDCPA, Central Resources continued their attempt to collect the debt after receiving a notice to cease and desist. 

3. Central Resources appears to be an unlicensed debt collector in WA state in violation of RCW statutes 19.16.110 and 19.86.020.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> a personal loan through XXXX was finalized and documents were signed. SOFI requested a voided check be uploaded to verify the correct account for deposit of funds, which i had desired to be my long standing personal checking account, externally. My credit union provided me a XXXX XXXX form in lieu of a voided check, as i do not have checks on my account. My bank also supplied me a certified letter to verify account ownership, yet SOFI refused to accept the documents and I was forced to set up a checking account with XXXX to receive the funds, which i then had to transfer to my desired account using XXXX. 

The account i wanted the funds deposited into, is the same account that my automatic payments were to draw from, as indicated in the XXXX XXXX documents i completed with SOFI, yet, without my consent, this was changed to the new SOFI checking account, and has since resulted in a late payment.

SOFI used shady tactics to coerce me into setting up an account with their bank, and are now using the same shady tactics to coerce me into using this account, in what I believe is an attempt to defraud their funders and investors into thinking the bank has more transactions than is accurate. 

I have documented chats with SOFI support ensuring me that the account I listed was the account that would be drawn from, yet that was false, my bank has no record of an attempt ever being made. SOFI claims the payment was returned due to insufficient funds, which again is false as they never attempted the debit as they claim.

SOFI is dishonest, shady, and possibly fraudulent. They have lied to me on recorded lines several times and are actively working against me in my good faith attempts to pay my debt in a timely manner.
Product: Payday loan

Some years ago I took out a payday loan. Payments were being taken out days and even weeks ahead of the scheduled date. It XXXX my bank account up so badly I had to close the account and open a new XXXX. My bank charges were in the hundreds of dollars due to their untimely actions. I made arrangements to pay the amount they claimed but now they are threatening me for breech of contract because the bank did n't pay their withdrawals. They refuse to accept proof that this was paid. They called on XXXX/XXXX/16 at which time I told them it had been paid but they refused proof of payments. They said they would call the next day for my documentation. They did not. This was a XXXX XXXX at XXXX. A week later they began to call every three minutes non-stop. Threatening to take me to court. So I blocked their number. I am now getting threats from XXXX threatening me saying I had been reported. They do not send documentation of any type, have refused to give me any specifics on what they are referring to and are very nasty people. I do not owe this and they cost me hundreds of dollars in bank fees for all the other transactions that were affected by this incident. They are the ones who were in breach of contract.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy information on LexusNexis is inaccurate. I am only able to dispute items over the phone and have not been able to reach anyone to assist. 

The bankruptcy does not show that it has been dismissed.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This is a deprivation of my rights and a violation of my privacy, as well. This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and fraudulent credit inquiries listed without my expressed written consent.
Product: Bank account or service

On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint XXXX. Equifax responded to the complaint that the account I requested to be removed was not on my credit report. 

This statement was false. Attached is a copy of my report that I pulled in XX/XX/2022 with the account still reporting.