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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am unemployed due to Covid-19. I contacted my Vanderbuilt mortgage and notified them that I would need a 6 month extension as specified in the CARES act. I was informed that that Vanderbuilt mortgage and finance will decide what options are available and that they are only giving a 2 month extension on mortgage loans. 1 month later I received a phone call stating that I could apply over the phone for the loan mod. I never received any papers in the mail and I never signed any loan mod agreement but I did receive a bill that was XXXX more than my actual mortgage payment for the month of XXXX. How can a finance company violate the federal act that was recently passed by Congress? Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I currently have no knowledge about. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bad report was listed under XXXX Credit Score. We disputed with XXXX. We contacted the filer of the report, Credit Control Services ( or according to person the actual name is Credit Collection Services ). XXXX  report shows entity name as Credit Control Services. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted Credit Control Services ( Credit Collection Services ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with XXXX agent who stated we should file either a police report or complaint to you for additional supporting documentation. 
Also, we have never received any notifications from XXXX XXXX and XXXX or from Credit Control Services.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights! 
Under act 15 U.S.C. 1681 section 602 says " I have the right to privacy. '' 15 U.S.C. 1681 section 604 A section 2 it also states " A consumer reporting angency can not refurnish an account without my written instructions under 15 U.S.C. 1666B " A creditor maXXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 
I provided proof and a police report that I was a victim of identity theft. I sent this information to XXXX, XXXX and Experian. 



XX/XX/XXXX The companies stated the checked public records and validated the information was correct. This person or persons used my address, social security number and date of birth so that info would be correct and the credit companies did not resolve this issue nor did they do any investigation.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX account ending in # XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Most account numbers weren't included in my credit report. 

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

XXXX is reporting a balance of {$14000.00} on a charged-off auto loan. Under the FCRA, a charge-off should reflect a {$0.00} balance if sold to a third-party collection agency. Additionally, the last payment made was on XX/XX/year>, but the reporting includes inconsistencies in payment history. I request verification of the balance, payment history corrections, and removal of inaccurate reporting.
Product: Debt collection

All of a sudden a XXXX debt collection was added to my credit report. Its not mine or its fraud. I tried to dispute it with XXXX and told them it wasnt mine. They didnt remove it or show why the debt collector could keep reporting this on my credit file. Im contacting you after reading how to handle something like this. Im also going to report this as fraud. Thank you for anything you can do to help me dispute this again and get this off my report. It planted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

" XXXX  aka XXXX '' is a creditor as defined by 15 USC 1692a ( 4 ). 

" XXXX aka XXXX '' alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

" XXXX aka XXXX '' is a corporation whose residence is in the state of IOWA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XX/XX/XXXX and XX/XX/XXXX. 

" XXXX aka XXXX '' has failed to supply any record of payment by me validating these claims of late payments from XXXX. 

As you can see my account was closed because of SUCCESSFUL ON TIME PAYMENTS for the duration of the loan and relationship with XXXX aka XXXX. 



ALLEGATIONS/COMPLAINT : - '' XXXX aka XXXX '' in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to a data furnisher without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally. 

- '' XXXX  aka XXXX '' in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- " XXXX aka XXXX '' in concert with the consumer data furnishers both have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Product: Credit card or prepaid card

UNFAIR DENIAL OF CREDIT I applied for a business credit card at Capital One with my persoanl guaranted about six weeks ago. 
My company is financially healthy, my credit score is substantially above 800. 
My personal income last year was $ XXXX and my businesses make substnatially more than that. 
Thre weeks later I called to investigate, they claimed I was fradulent when I called to ask why the card was delayed. 
They asked me a long list of very personal questions which I answerwed to their satisfaction. 
A week later I received a credit card. When I tried to activate it, they said it was on fraud hold and I had to provide more informaiton including my photo id using a driver 's license as well as a number of answers to questions. 
I provided those to their satisfaction. They said wait three days. 
Five days later I called and they asked for more information including my social security card. I told them I had lots of information but as a XXXX year od, I did not have the original social security card, it was lost about 30 years ago. 
They said without the original social security card they would not proceed. 
I asked for secondary data that could be used. They said this was the only way to proceed. 
This is absolutely unfair. 
I am a tremendously good credit risk and have had a capital one card for more than 5 years as a private client. I have zero defaults in my lifetime and huge documentation available. 
They falsely accusedme of being a fraud. It is a personal insult in the face of my substantial business success. 
Perhaps because I always pay my bills early, they will never get high interest rates from me? Who knows why they refuse a good, upstanding citizen. 
You don't have to be poor to be cheated by a credit card company.
Product: Checking or savings account

On Friday I deposited a legitimate check from XXXX XXXX. This was a Chase business check into my Chase business account. The checks XXXX use have 2 signatures which should be sufficient to guarantee authenticity. Although I found it odd that a check from a Chase account deposited into a Chase account did not have any funds immediately available, there was no concern. A Chase representative on the phone Friday said there was no hold and funds would be available around midnight. Although that was a lie, no worries because after viewing my receipt I saw Tuesday the XXXX is when the funds would be released. 

Today, Tuesday the XXXX funds were released. It shows as available funds. I can access my account and received ZERO communication from Chase. However, if I try to make a payment to my Chase credit card or transfer any amount to another Chase account I receive an error. Thats when I found out today Chase decided to freeze my account!!! Again, okay no worries its a legit check and should be as simple as them calling XXXX XXXX. Easy 5 minute call. Nope. That was a mess even though XXXX XXXX is 100 % willing to do whatever it takes to confirm the check to Chase. Through persistence XXXX and I were able to finally get Chase to confirm they have all they need, but Chase then said now its up to the back office when we unlock your account t and we have until ( he counts days probably from Friday ) and says the XXXX!!! 

I fully understand holding a {$55000.00} check for a period of days. Its during that time Chase should be responsible for calling XXXX if they wanted and viola theyd hear its a legit check and no problem for anyone.. but literally the situation is my checking account is 100 % not usable and theyre saying they can keep it locked over a legitimate check until the XXXX. Is that legal? Seriously every time I have a check deposited I risk my business checking account being locked for up to 2 weeks!? Couldnt my employees sue me for not being able to process payroll. This doesnt seem right that even my funds that are not from the check are locked and they said if I deposit more such as transferring from my personal Chase those would be frozen. Funny thing is my Chase business credit card payment is due today so it even seems like a scam where theyre trying to get a late fee or something shady.
Product: Debt collection

A couple of years ago, a debt collection showed up on my credit report. All I know is that it is for XXXX XXXX in am amount of {$860.00}. I know that I have never run up a bill of that size with a utility Company. My belief is that I was a renter, moved and somehow the service was ever taken out of my name after I left the property and someone else continued service in my name. 
I have asked repeatedly, XXXX XXXX XXXX, the debt collector, to get me proof of the dates that this debt was run up during and also the address that it was at. I would be able to verify whether or not I was living at the address at all or will be able to verify what dates i lived there. Over a period of 2 years, no one is responding with ANY type of verification that this debt was incurred while I actually lived somewhere. 
XXXX can not help me as I don't know what address and dates this b ill is supposedly for. I want this off of my credit reports. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.
Product: Mortgage

I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$140000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly XXXX to verify my actual income and stated what it was instead. The current mortgage/note, XXXX XXXX XXXX Bank and also with Bayview loan servicing # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX, my S.S. # is *********** D.O.B. XX/XX/XXXX. XXXX XXXX XXXX Bank and Bayview Loan Servicing XXXX committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. XXXX claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. XXXX and Transunion both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " 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. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' Please have all bureaus removed this inaccurate information. I have been disputing this for XXXX  years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove it.
Product: Credit card

I signed up for the Citi strata premier card and was approved on XX/XX/XXXX. I signed up through the offer page for the spend {$4000.00} in 3 months and get {$700.00} in bonus points. There is no offer tracker on my thank you points so I called to confirm the offer was active. The representative said they dont know what offer Im talking about and that the offer I mentioned doesnt exist but that I could send in proof of the offer via mailing a letter. I spent {$5.00} to send printed screenshots via certified mailto the address given to me by the citi representative and although it was delivered almost a month ago I never heard back. I have now been charged a {$95.00} card fee for a card I only opened because of the offer in addition to the {$5.00} I spent to send a letter because the representative said there was no other way to send in proof. 2 weeks after the letter was delivered I called Citi Bank again and after multiple calls that were hung up on finally was transferred to someone who gave me the following email : XXXX which all previous representatives said did not exist. They told me I should send the same proof I had already mailed in to this email address and I would receive a reply within 24-48 hours. I sent that email on XX/XX/XXXX and never heard back. Once again I called Citi and they then told me I shouldn't expect a reply and that the people receiving the email will fix the issue with the promotion within 1-2 billing cycles. I have now sent information twice after being misdirected and denied a bonus that is still being offered. I sent the screenshot of the offer as well as the approval notice for the card for XX/XX/XXXX as well as a screenshot of my approval for the citi premier card I received a bonus from on XX/XX/XXXX. Citi has a policy only allowing XXXX bonus per 48 months per card and the new strata premier card I opened on XX/XX/XXXX complied with those terms. For the representative to say there was no such offer when I was able to pull it up immediately, lie about there being no email address ( to try to dissuade me from getting resolution ), and then to give me an email address later on since I have certified mail tracking showing they received the information they asked for seems purposeful to prevent new credit card owners from getting the promised bonuses all the while Citi Bank gets to collect the annual fees and any other associated charges. I searched online and found a few different forums where people are talking about this being a pattern of abuse from Citi Bank with card bonuses and that's where I was directed to file a complaint here. I just want the bonus offer to be applied to my account and a reimbursement for the {$5.00} I spent to send them the information since there was no need to mail it physically if they hadn't lied about there not being an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct.
I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.
Product: Checking or savings account

I had an issue of fraud 3 weeks ago ( XX/XX/XXXX ). The scammer used my account for about {$1000.00}, and CitiBank refunded me that amount eventually but from then onwards I have not been able to access my money. It's now XX/XX/XXXX. They sent me a new debit, which I was never able to get activated because they were supposed to open me a new checking account, which they didn't. 

Then a service rep told me to get into a physical location to open a new checking which I was able to do online, so they would have wasted my time making me go all the way to a bank when the nearest one is XXXX hours away. Anyway, I opened a new checking online by myself since she couldn't help me, then they had to send another debit, and then after sending the new debit, I was unable to access my online account. I was notified upon calling them that they were closing this account, and they were ending their relationship with me because of a warning from XXXX XXXX XXXX. This was around XX/XX/XXXX. 

I have been WAITING for an update on when my funds ( a total of about $ XXXX ) would be sent to me via check and I have not been able to get any answer every single time I call. It is now the end of the month, and I haven't been able to pay my bills in weeks! The customer service reps are not helpful at all. I just get transferred over and over again until the last person tells me 30-60 days, which is absolutely insane!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 card or prepaid card

I entered into Ch. XXXX Bankruptcy and am to the best of my abilities trying to finish my case and rebuild a life for me and my son. I have done tons of research to try to fix the issue as well as make calls to every number and I have I mailed several letters to every address for Victoria Secret to try to get a 30 day late from 2018 removed from my credit history but every response I received from them basically says no they will not remove it and to basically not ask again.The response was very generic and I don't feel like they put any thought or effort into my plea. I have seen several letters from this company showing where they have made adjustments and I just wanted to same one time courtesy. I do not believe it is fair for consumers who hold this credit card. I spend a lot of money in this store, and that is with and without the credit card. This is the only thing stopping me from securing my mortgage and I have made time payments since 2018. I am just asking for the same courtesy granted to other customers. And if I can't get any help, there is no need for me to keep this credit card or make purchases from this company. I appreciate and look forward to a response.
Product: Debt collection

The company never sent notification to dispute debt and has been unable to verify debt. This is in violation of the Fair Credit Reporting Act and has caused substantial damage as a result of the illegal reporting.
Product: Mortgage

In 2010 we bought our first home together XXXX XXXX XXXX XXXX XXXX   XXXX they said to not put me on the loan but the deed. They did neither my husband took my youngest and put me homeless With conspiracy from the bank and loan. Wells Fargo. We came to XXXX people ran sacked our home took everything.