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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We have renewed a XXXXXXXX XXXX XXXXXXXX in XX/XX/year>. The agreement was to refi XXXX XXXX at XXXX into XXXX fully amortized 30 year loans ( XXXX for each house ). Prime lending has been working on refinance of this XXXX  for 6 months and still has not completed the loan. They moved the loan application to XXXX mortgage around XXXX. My XXXX  is maturing this week and will cost me more money to renew if XXXX doesn't finish. I have paid {$4000.00} to my credit cards, at their request, to ensure my credit would be over XXXX at their advise to get approved. 
Now, i have been given a CD that reflects a higher interest rate than I agreed to and I'm still not sure if they will even do the loan before I have to spend more money renewing.
Product: Credit reporting or other personal consumer reports

Want to complain against XXXX and Equifax credit reporting bureaus with regards of XXXX XXXX ( XXXX ) XXXX  account. Both bureaus reporting my XXXX account as " Collection '' when I or any other party try to get my credit report before my autopay date. XXXX XXXX XXXX XXXX account correctly. I did talk to XXXX representatives and there no issues on they side, tried to contact XXXX and Equifax but no success on that issue.
Product: Consumer Loan

I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history.
Product: Prepaid card

had a withdrawal of XXXX on my amex serve card at a place Ive never been, I sent in what they asked twiced I have a paper trail of this happen in my phone, they were rude and closed my acct.
Product: Checking or savings account

Attempted to open a CITI BANK Savings account in XX/XX/2019. This was online. Apparently CITI BANK did not make the fund transfer. Today I receive an OVER-DRAW call from CITI BANK on an account that was never consummated. XXXX DOLLARS is the Grand Total of amount put into said account. Said account number is????? .... I have no idea because I have never received anything with Savings Account Number. 


Now the XXXX : 1 ) Citi claims there was no banking information input for online transfer. XXXX, I had my daughter and wife were right by me as I entered information when I did this. 
2 ) " Said account '' that I was accessed an OVER-DRAW FEE for was never consummated in any way shape or form. 
3 ) Citi claims they sent a " welcome packet '' as well as " banking information '' letter. XXXX again. Nothing ever arrived. 
4 ) Citi stole my information on the online form. No nothing after I input data. 
5 ) My credit rating takes hit because of OVER-DRAW. Great, I work to obtain well over 800 credit rating ... ... for what??? Or, for who ... ..certainly not the consumer. You know, I have never been offered a better loan fee than what was listed for everyone ... ... funny how that works. Again, who is my credit rating for? 
7 ) Check out CITII BANK " chat window '' that never works '' ...!!!!! 
8 ) MY BAD, the APR was way to good ... .if it sounds too good to be true ... .CITI will XXXX you! 

This is what corrupt banking looks like. And worse yet, Our GOVERNMENT offers no recourse. Banks keep getting away with this XXXX. 

FULL TRANSPARENCY SIGNATURE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification with BayVIew Loan servicing. NO ONE reviewed the application with me and the assigned asset manager, was not responsive or helpful in explaining the process or what was needed. I sent in all forms and income that was requested. after what was about 2 month, a declination package was sent to me. I asked the asset manager why was it turned down and he said the DTI was 31 %. I said the paperwork you sent me said the DTI needed to be between 25-55 %. He had to put me on hold. Then he said that I could only afford a certain payment amount and that amount was not allowed. I told him the income was incorrect. He said I should have entered the correct income. I said I entered what it asked for and that no one reviewed with me. He said I needed to re apply or contact the Escalation Department. So I called the number to the Escalation Department that was listed on the decline letter and the answering message continually says the company is closed EVEN DURING BUSINESS HOURS. So I emailed them and received an email response showing the email was rejected and not read. I called the assigned asset manager back and he clearly said that the Escalation Department will not take your phone call. I asked why because they list a number. he said they just wont. He said to email them. I told him I did but the returned the email as unread. HE said that should work and not sure what else to tell me. I am very upset and frustrated. Companies should not be playing these shell games with consumers anymore. I called on XXXX and asked about making a payment and was told with the decision on the loan mod almost ready to be made, the suggested I not make the XXXX payment because that would help the modification look as if it was really needed. Now I am two months behind and cant reach the Escalation department and only have 30 days to do so
Product: Prepaid card

I received a {$50.00} American Express Prepaid Reward card as a rebate for a purchase in XX/XX/2015. Upon receiving the card, I noted an expiration date of XX/XX/XXXX and have carried it in my wallet ever since. When I went to use the card today, I was shocked to learn that there was only {$2.00} available on the card. 

I have since carefully reviewed the back of the card, which includes the following text : " FUNDS EXPIRE ON THE DATE PRINTED ON THE FRONT OF THE CARD. SUBJECT TO APPLICABLE LAW, A {$3.00} MONTHLY FEE WILL BE ASSESSED AGAINST CARD BALANCE STARTING 7 MONTHS AFTER CARD ISSUANCE. '' In my case, these fees added up to {$48.00}. 

I am disappointed that American Express has taken away 96 % of my rebate amount, when the front of the card indicates the funds do not expire for four more years and there is no asterisk, footnote, or other disclaimer on the front of the card that would cause a consumer to inquire about further restrictions or limitations. Had I not used the card today, the funds would have been entirely depleted next month. Thus, at the very least, the expiration date on the front of the card should read XX/XX/XXXX. 

Furthermore, American Express is certainly aware of whether it will charge such fees " under applicable law, '' while the average consumer is not. In fairness, it would be helpful for American Express to include a web address after this disclosure, pointing cardholders to a page on their website providing more specific information about the fees it assesses for its prepaid cards in each state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICIED SOME INACCURATE ACCOUNT REPORTING XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXXXXXX XXXX  Date opened XXXX ) ( XXXX date XXXX XXXX XXXX XXXXXXXX XX/XX/year> ) Please remove this fraudulent account and inquiers from my credit report. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to formally request a 1099-C form for my account, which has been reported as " charged off '' on my credit report, but its still showing a balance. They way that it was reported to the IRS should reflect my credit report and it doesn't, which could be reported as suspicion of fraud. The report indicates that the balance on this account has been written off as a loss for accounting purposes. Balance should be zeroed out.

This is in violation of the FCRA 623 15 usc 1681s 2 & grounds for deletion due to credit bureaus blatantly failing to validate & verify the information that's being reported to them.

As I understand it, under IRS regulations, a 1099-C is required to be issued for any debt that has been forgiven, canceled, or discharged. Given that the account in question appears to have been charged off, I believe I may be entitled to receive a 1099-C for tax reporting purposes.

I kindly ask that you issue the appropriate form for this account. If any additional information or documentation is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response and to receiving the 1099-C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. DPT ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries 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. 

XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX, my brother and his girlfriend stole my debit cards, license, and personal identification. Since then, they have been using my identity without my permission to open fraudulent accounts, including this one with XXXX XXXX XXXX. During the period that this account was opened, I was living WITH MY MOM Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be thoroughly investigated and removed from my credit report. The FCRA grants me the right to dispute any information I believe to be inaccurate or a result of identity theft. 
Please confirm receipt of this letter and notify me once the fraudulent account has been removed from my credit report. If you require any additional information or documentation to process this request, feel free to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS INQUIRES XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX 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 XXXX XXXX XXXXXXXX ..... 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX ..... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my XXXX but has now been placed on my XXXX and Transunion not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.
Product: Debt collection

A person from the number XXXX called me today at XXXX Eastern Time, and said their name was XXXX XXXX, and freely rattled off the last 4 of my Social Security number and my name as if it were not a protected number. I asked for the name of this person's company, and they initially refused to give this information: it was not until I pressed this person calling me about what company they represented that I was told that they were from Portfolio Recovery. I explained that any part of my Social Security number is issued by the United States Government, and should not just be rattled off at the beginning of any conversation, and used as a way to traumatize or intimidate someone. Also this person XXXX XXXX had no problem continuing with the conversation by freely rattling off my date of birth, which should also be protected information, almost as a way to torment or taunt me that she has this personal identity information. This is dangerous business practices and abuse of my personal information, and if they're doing this to me, they are doing this to other people; please help. Thank you.  XXXX XXXX
Product: Vehicle loan or lease

This is in furtherance of a complaint I have already filed that was mishandled by the responding party. They allege that the entirety of my complaint revolves around damage to the vehicle which was not what was outlined by myself. The initial issue revolves around an illegal repossession, ( as I stated that I did not want the vehicle removed from the premises and it was, in fact, removed without consent. ) I expressed the desire for any damages or fees associated with this event, if they were to occur, to be applied to the remaining balance of my vehicles lease. This wording seems to have been misinterpreted by the offending party. 

I have, upon further inspection, found that the tow service did indeed cause exacerbated damages to the undercarriage of my engine compartment, a status of which i was unaware of at the time of signing for the vehicles release from the tow yard, the value of which I will be adding to the {$450.00} this ordeal has already cost me. 

I have reached out to the company about these fees, ( not of those associated with the damages as I have not gotten a repair quote for those, ) and for a copy of my contract and have not received a satisfactory response for either request. I have now sought to rectify this in court if the matter is not civilly resolved in a timely manner. 

I have been told by a representative over the phone that my inability to pay my past due balance at the time of the repossession was an intentional lockout on their systems part, and that due to the length of my non payment status I was prohibited from responding to the event by manner of submitting a payment that would have ceased the repossession. 

The main reason for my complaint revolves around this predatory and unfair practice by the company and I believe that i should have been able to exercise my right to prevent the repossession of my vehicle through their systems at the time of the event instead of incurring fees and causing what has now turned out to be damages to my vehicle, ( as I was afraid might happen. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number XXXX The company above along with XXXX, XXXX, & Equifax has not validated this debt, XXXX has not provided methods of validation and the debt collection has not provided original contract with XXXX XXXX with my wet signature. 


I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, XXXX XXXX and they have failed to verify that this is indeed my debt. 
I was given no evidence of my obligation to pay this debt to this collection agency.. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 
In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.
Product: Credit reporting or other personal consumer reports

These inquires have been added to my credit report without my authorization. 

XXXX XXXX XX/XX/ I disputed them all and they remained on my credit report
Product: Money transfer, virtual currency, or money service

I have XXXX accounts with Square. One I have had for years with no issue. The other I just opened recently. I sent a contract and an invoice to a customer for {$13000.00} on XX/XX/2023. The customer signed and paid and Square deactivated my account, is holding the money for 90 days and will also not allow me to refund my customer her money. I have called and emailed many times and no one can give me an explanation. I am transferred from one department to the next and often hung up on or told there is nothing they can do. I am also told someone will call me or email me to help resolve the issue and I never hear anything. I have read that this same scenario has happened to many other customers. I need to resolve this issue.
Product: Mortgage

I had a home loan mortgage with Provident Funding. With this loan there is a home insurance. The insurance premium is paid through escrow account with Provident. Last year my home insurance company cancelled my home insurance without notifying me. Provident Funding didn't notify me. This year, they told me because I don't have insurance during that period of time, they need to buy an insurance for me ( to insurance my home for a past period, not future ). They charged me {$1600.00} for nothing. I tried to communicate with them for this but in vain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to provide me with how they verified an alleged debt when requested and are in multiple violations that go against the FCRA. They said they verified the debt, how? Did they get on the phone call? According to the FCRA, all reports have to be reported correctly, that's a violation and grounds for deletion. 609a, 1, A and sec 611a, 1, A No Contract with my signature on it. Comply with sec. 111, 5, A FCRA and DELETE that non-valid account immediately or a lawsuit will pursue.
Product: Money transfer, virtual currency, or money service

? this incident was recently appointed to me 2 days ago .... i created a paypal account .... it automatically stated a rare activity that was recent from my other account i didnt know i had! you see transactions have been made and performed this month and last month with my name on a credit card or debit card im not to sure whats going on but i do know theres another account associated with my name my birthdate my social security number and there are doing unathorized transactions underneath my identity! i had told paypal to delete my current account and they supposed did but i had said why dont you delete every account with my social security and what not but since they cant spot out the true identifier of the account .. so idk any comments?