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

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 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

I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine 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

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My Citi-Bank Card account mainly serves as a vehicle for XXXX Store Purchases which ends in the number XXXX was compromised with Costco Anywhere Visa card by Citi with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XXXX XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XXXX XXXX WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW XXXX OBTAINED MY CITI CREDIT COSTCO ANYWHERE VISA CREDIT CARD. 

This compromised security breach of XXXX & COSTCO ANYWHERE VISA CITI CARD had caused harm by suspending my purchases opportunity at XXXX RETAIL AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY XXXX CREDIT PROGRAM. MY XXXX IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, XXXX IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE CITI CREDIT COSTCO ANYWHERE VISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the Citi-Card representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit Citi-Card Anywhere Costco Visa Card which arrived in the mail on XX/XX/2021. 

I had talked with the Citi-Card Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including XXXX credit agency. The Citi-Card Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX XXXX says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order Citi-Card to remove there false negative credit reports to all 3 credit bureaus due to Citi-Cards Compromising my credit information and allowing XXXX XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE CITI-CARDS POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST CITI-CARD CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE 720 'S RANGE. 

THANK YOU AND XXXX BLESS.
Product: Mortgage

I purchased my home and received a conventional loan. The purchase price of my home was XXXX Since that time, I have paid my loan down UNDER 78 percent of the Loan to Value, and they continue to charge me PMI. 
This is to fall of automatically once I reach 78 percent of my loan and I am now at 77 percent of the original XXXX I am being told I need to order an appraisal and spend XXXX on this. This is not true, it says in my closing papers that once I reach 78 percent of the original purchase price the PMI will come off. 

Not only that, I am being told that I have to write dispute letters to get the PMI off. This is ridiculous. They need to check my loan and remove the PMI. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately.
Product: Credit reporting or other personal consumer reports

Experian has been violating my rights for years now. They have not been in compliance with many federal regulations and laws specifically the FCRA. Account XXXX XXXX XXXX, Account # XXXX, was deleted XX/XX/XXXX, report # XXXX. It was reinserted without notice and no certified certificate as required by FCRA. Experian has also been re-aging the account to further affect me. As you can see on the attachment of deletion the first charge off was XX/XX/XXXX when the account was deleted per my initial dispute. As I have attached Experian has not provided me with any proof of accurate reporting and continuously changes the charge-off date to newer years and months. They are now reporting the same acoount as being charged off XX/XX/XXXX over 4 years later. They have not provided me with any certifications or method of validation documentations. This is illegal and I am requesting a full investigation into Experian 's illegal practices. How many times and different dates of Charge-offs are they going to report? How are they going to re-insert a deleted account without re-insertion notification and cause? A class action needed to be formed. They have been inaccurately reporting this account, please also see the original balances difference, the payments dates and last payment dates. Experian refuses to do their jobs. I have proof of all letters sent and Experian has failed to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Money transfer, virtual currency, or money service

I received a pre approved offer in the mail for a debt consolidation LOAN. 

The representative repeatedly kept referring to this as a loan while soliciting a monthly payment that would be set aside to settle these accounts. 

They were using extremely deceptive and false claims about my current credit score and credit profile. I am concerned that other consumers less savvy regarding these issues could be easily duped by their process causing severe damage to their credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for this account. I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection on my credit is showing up as Ideal Collection Services, I have never done any business with Ideal Collection Services and I have sent multiple letters asking them to verify the debt belongs to me, to which they have refused to respond in a reasonable time frame. I sent the first letter out on XX/XX/2023 and the second letter out on XX/XX/2023, finally I sent the XXXX letter on XX/XX/2023. The company has failed to respond to all XXXX letters. I have the right to demand a signed copy of the contract between myself and Ideal Collection Services.
Product: Debt collection

I write to dispute the debt listed in the attachment received by me on XX/XX/2023. I need copies of the last 12 month statements plus the entire credit card agreement with any arbitration provisions included in said agreement. You must consider the purported debt as permanently disputed in its entirety which requires credit reporting as disputed under the FCRA and FDCPA unless and until I withdraw my disputes which I will not due.
Product: Checking or savings account

Hi there, I had purchased 6 plane tickets between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX which I thought I was using my XXXX XXXX credit account and then I realized I was using my XXXX debit card which was linked to my Bank of the west account and I had no money on the XXXX credit so all the charges started going to the bank which I had almost XXXX in the account but not enough to cover the total cost of the tickets. While this is going on I am also disputing 4 charges XXXX, XXXX, XXXX and XXXX. The dates were wrong on the tickets which were XXXX and XXXX and the XXXX XXXX charges are for credit that I thought was being deducted and I was going to be given credit but they charged me XXXX each ticket which is also in dispute. My ending statement for XXXX XXXX was positive XXXX. Now my statement from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX I had a balance of XXXX and I was charged XXXX in overdraft fees. I called the bank and explained to them what had happened but they did not offer me any help and their fees on my statements just say fees for different amounts without any detail.Now XXXXXXXX has been trying to collect their money from for charges that I made using my XXXX XXXX card which remember I thought I was using my XXXX when actually the XXXX XXXX went to my bank account to get the funds that were not there.They send in each transaction you make twice to the bank so I get a charge of XXXX each transaction that goes into the bank. XXXX XXXX said they would help with some of the charges but I do n't understand my new bank account did not give me any options when I called them about this. So this statement I am now at - XXXX because I had a bank wire that came through the bank which was supposed to pay my rent not overdraft charges that I am so far in over my head with and do n't know what to do.I do not remember opting in to the overdraft protection or signing for it. I really could use some help The bank has really drained my account with fees and not offered any help. I now also have a XXXX balance on my XXXX XXXX debit card which was XXXX balance before all this mess. I do not know what else I can do. I really need help around this. I think the bank has taken way advantage of me and should not be able to charge me all that money which I am now facing eviction for lack of money they took from me. Please help XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My lost debit card was found by someone and they spent {$440.00}. Reported to Bank XXXX immediately XXXX XXXX. Within a week gave money back but then decided to deny two different claims I made, including letter I faxed to claims resolutions. Then took money back out of my account on XXXX XXXX. The letter said I gave permission for someone to use my card. I guess they decided I lied. I've been a customer for years and never made a claim. 
I'm XXXX XXXX XXXX and have no desire to lie about XXXX, which is alot of money to me. 
No one ever called me regarding this matter, just two denial letters. 
Bank of America just really didn't care, my problem not theirs. Maybe if I had big bucks they'd care.
Product: Student loan

Navient never respected our original contract which clearly states in school deferment for as long as in school. They demanded payment while I was still finishing my XXXX degree despite never having a lapse in full or half time enrollment. Further they claimed I used my grace period while I was still in school. This action caused me to have to reduce my school work in order to make the $ 500+ a month they we demanding. They continued to request money despite my disagreement. I have struggled to pay them much due to the set back they caused. They have now put me in default despite that I paid them less then two months ago, and Im pretty sure thats not legal either. I have asked them to stop contacting me and they dont, despite being a NY citizen where the law clearly states that they need to stop for at least two weeks when requested ( they call me every day ). They contact my family and provide them with orivate information to harass me, ( even my stepmothers cell phone which Im not sure how they got sonce my father married her after I got this loan ). I have no money and Im struggling to get by but they clealry dont have any options beyond paying the full amount at this point of {$71000.00} for what was a {$26000.00} loan. How are they allowed to treat people this way? I only got this loan because I was injured, putting my self through college, not even taking out loans, XXXX XXXX XXXX in cold MN 48 hours a week while putting my self through school and finishing my XXXX in 3 years. They were the only ones to lend to me after my injury because I had no credit and my parents didnt come from wealth. Why are they allowed to do this to people? Why arent we just paying for XXXX college anyway. This whole thing is stupid and I doubt anyone will help me. I wanted to apply to schools to get a XXXX because my two XXXX degrees are clearly not enough to find employment, but now my loan is in default so I wont qualify for a Grad Plus to pay for that. Why are things the way they are? Why is Navient allowed to do business?
Product: Credit reporting or other personal consumer reports

Company messed up my escrow amount and is showing a missed payment even though I have it set up on auto pay. XXXX XXXX  states I am not behind on any payments and states it was an error on their end. I'm currently in pre-approval for a VA mortgage and my credit score report was dropped by XXXX points. I will take significant financial damage due to their error.
Product: Mortgage

I acquired a FHA loan in XX/XX/XXXX for which The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT acquired the loan and began servicing it. No issue with payments until XX/XX/XXXX for which one of my online payments was returned NSF for which I immediately resent until determining issue. This occurred again on XX/XX/XXXX for which payment was resubmitted on XX/XX/XXXX.  Issues with payment were due to scheduled payments and direct deposit payroll occurred on same day and bank returned my payments. I was restricted by the The Money Source for six months from making online payments for which I contacted them and was given a bank account in Texas to wire my payments. This was done monthly from XX/XX/XXXX until XX/XX/XXXX. On average it has taken TMS around 20 days to locate my payments. In the course of the period, I was called daily numerous times about payment delinquent at which times I emailed copies of ACH/wire transfer confirmations from my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX and was finally located and posted to my account on XX/XX/XXXX. I was called 117 times from TMS from XX/XX/XXXX until XX/XX/XXXX when the payment was finally found. Not only did they call me from XXXX, my caller id displayed call from County Jail (  XXXX ), The Money Store ( XXXX ) and 5 different local numbers from my area code that they were spoofing to get me to answer. I answered one of the calls and the agent told me that is was often then spoofed numbers so that consumers would answer phone. Not only were there excessive phone calls they would call numerous times in a row. Example on XX/XX/XXXX they called 7 times in a row at XXXX. I was at work but at XXXX I returned the call. Once again on XX/XX/XXXX I received 6 calls in a row at XXXX and 16 calls in a row at XXXX. On XX/XX/XXXX received 13 calls in a row at XXXX. On XX/XX/XXXX at XXXX TMS called 10 times in a tow. I returned the call at XXXX. Finally payment was located on XX/XX/XXXX and applied to my account. The entire time I was communicating with TMS and provided the same proof payment. During this period of time I was accused of not making payment, stating that funds were still in my personal account and recieved certified letter that I was 30 days delinquent and that by the end of XX/XX/XXXX my home would be reappraised and inspected. I am in awe that FHA loan servicing provider can use such antics. I feel as if there collection efforts were inexcessive and unnessary.
Product: Debt collection

I have attached a response letter to further investigate the response letter from Hunts & Henriques on XX/XX/2020.
Product: Debt collection

In XXXX of XXXX, I received a letter from Suttell and Hammer P.S. stating that they are a debt collector, attempting to collect a debt that they allege that I owe XXXX XXXX XXXXXXXX, in the amount of {$21000.00}. The letter specified that I needed to call or write to them by XX/XX/XXXX to dispute all or part of the debt, or they would assume that their information is correct. The letter also stated that if I do write to them by the specified date, that they must stop collection activity and provide more information. 
I wrote to Suttell and Hammer, P.S. on XX/XX/XXXX, disputing part of the alleged debt and proposed a settlement and resolution to the matter. I sent my response via Certified Mail. This letter was tracked as received by Suttell and Hammer P.S. by their stated deadline of XX/XX/XXXX. In addition to the letter that I sent, I contacted them via their online portal to notify them that I had sent a certified response by their deadline and that I would await a reponse from them. 
I had not heard from Suttell and Hammer, P.S., but on the evening of XX/XX/XXXX, I received an unsolicited call from an attorney offering to represent me in their case against me. This was the first time that I had heard that Suttell and Hammer P.S. had filed a Complaint against me. I verified through my county 's website that the Complaint had indeed been filed on XX/XX/XXXX. I reached out to Suttell and Hammer via email to ask why legal action had been taken against me when I had responded to their collection letter by the specified deadline. The response that I received did not address my question at all. They simply stated that they could draw up paperwork to settle the account in installments of {$800.00}. per month. I did not agree to these terms. Shortly thereafter, on XXXX XXXXXX/XX/XXXX, I was served a Summons. The Summons was written as dated XX/XX/XXXX but I was served on XX/XX/XXXX, for the record. 
Suttell and Hammer, P.S, has violated the Fair Debt Collection Practices Act by not acknowledging my response to their initial collection letter and are engaging in deceptive collection practices, by not notifying me properly of the legal action they have taken against me. I have been advised to file an official complaint here with the CFPB, in addition to complaints with the FTC and with the State of Oregon.