23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Credit Report from XXXX gave the below alert. 

Citicards CBNA have mentioned " A lender reported that you did not pay them on time, and the account is now 30,60 or 90 days late ''. 
Account Number : XXXX Ammounte Delinquent : {$210.00} Payment Status : Late 120 days Consumder Statement Canceled by credit grantor. 

I never had this Citi account. 

Could you please help me in removing this Bad Credit on my Credit report! 

I have XXXX Sears Citi Credit Card : ( Never used these cards for a long time ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI XXXX XXXX Opened : XX/XX/2020 Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

The following inquiries and public records currently listed on my Equifax credit report is fraudulent, unauthorized and not my inquiries or public record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I recently received 80 % XXXX from the VA. The county I live in gives full property tax exemption for veterans who receive 70 % or more XXXX. I relayed this information along with supporting documents from the county to my Mortgage company. I asked them to please remove the property tax portion from my escrow account. This was sent to them on XX/XX/year>. On XX/XX/year> I received a letter from them that that they reviewed my account and that your taxes are partial exempt. They said once they get the tax bill ( which wouldn't be until XX/XX/year> ) then they would review my escrow. 

I was not satisfied with this because they were charging me money, {$910.00} a month, for my escrow account. Forcing me to pay money I did not have to ( Stealing ). On XX/XX/year> I sent additional documents that showed I owed {$0.00} for property taxes for the year. On XX/XX/year> I received another correspondence from my mortgage lender saying they have forwarded it to their tax department to verify and then will let me know. On XX/XX/year> I received another correspondence saying the same thing as the one before. 

Again, super frustrated and upset about paying a lot of money I was not supposed to be, I reached out again for them to review. This was on XX/XX/year>. I forwarded them a posted tax bill from my county website that showed I owed {$0.00}. I even broke down that my mortgage is {$1900.00} a month and escrow is {$910.00} a month. My hazard insurance is {$100.00} a month out of the {$910.00} escrow. With the property taxes removed from the escrow my new monthly mortgage should be {$1100.00} a month. 

on XX/XX/year> I received yet another correspondence advising that they cant complete my request. This is due to the face that my loan-to value-ratio ( XXXX ) is 92.1 % and not 80 % to cancel the escrow. ( I'm not trying to cancel my escrow just adjust it to remove my property taxes. I still have hazard insurance on my escrow account ) Beyond frustrated I called them and advised them this is not right, I feel like my money is being stolen and I'm forced to pay money I'm not supposed to. Basically was told I need to wait yet again on the tax bill to be sent to them from the county itself. 

This is beyond unacceptable. If I'm providing proof that I don't have to pay they are still making me pay money that I could be using to help with other bills and food. I feel like they are holding me hostage with my own money. For a company that is called XXXX XXXX, to treat a XXXX veteran like this is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Equifax on 2 occasions about 5 collections accounts that I was not aware of and they never sent me my results by mail and now the time has lapsed 30 days on each attempt to dispute with them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Product: Debt collection

First call from Walla Walla Collection Bureau was on XX/XX/XXXX at XXXX, I asked them to identify themselves, they never gave their name, stated that I owed on multiple debts, I asked for the name and birthday on said debts, they gave me information that was not my identity, so I asked for supposed debts to be sent in writing by mail. I have never recieved any mailed confirmation. 

Second attempt from above company was on XX/XX/XXXX at XXXX, again I asked for confirmation of debts to be mailed, never recieved anything. 

Third attempt was on XX/XX/XXXX at XXXX, again asked for her to identify herself, never gave me her name. I again asked for the name and birthdate of the name on the collections she gave me a name of XXXX and birthdate of XXXX. I again stated that was not me and I was not even born yet, I wanted the supposed debts to be mailed to me to verify that I owe anything. I have yet to recieve anything from this company.
Product: Checking or savings account

Did a mobile deposit into Citibank account and they considered it a third-party check because my name was not on the account at the time Citibank said just needed to go to a branch with my ID and they would release the funds and that funds were never released. Its been almost a year now Check for {$1900.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

XXXX in its usual fashion made false claims in consolidating student loans for nearly 20 years ago and reissued paperwork for me to sign alone even though it was no longer valid for collection purposes with the thought that I may have a chance to going back to school. Despite allowing them to get away with that fraud they now have ruins my perfect payment history by instituting XXXX 's payment during a pandemic and somehow miraculously charging me a hundred and twenty days late now. First and foremost this loan is inaccurate and has never then used for XXXX as they claim but also to ruin someone's credit during a pandemic when you ordered the president was to defer those payments is it illegal immoral and another reason why they shouldn't exist as a company
Product: Prepaid card

I bought a Vanilla XXXX Gift Card ( {$500.00} ) on XX/XX/year> and tried to use it several days later. But my transaction was declined. 
I contacted Vanilla customer service by phone on XX/XX/year>. They told me that my card was placed on HOLD, new card will be issued for me and that I need to email them a bank account statement, receipt of prepaid card purchase, my drivers license, copy of front and back of the card. 
I sent over all those documents to the XXXX the same day including the case number I was given : XXXX. 
I have heard nothing back even though they told me it would only be a couple days to hear a response. 

I then called again on XX/XX/year> to inquire on why I haven't heard anything back and they said that they didn't receive my documents and my case is still open. I sent documents one more time on the same day and I still have heard nothing back. 

I then called again on XX/XX/year> and they informed me that they still didn't receive my documents. So I sent documents again on the same day to XXXX and to XXXX. 

On my call on XX/XX/year> I was told that they finally received my documents and it will take 30 days to review my case. 
I called multiple times after XX/XX/year> including on XX/XX/year>, my case was even escalated by Vanilla representative 's supervisor, but still no REFUND nor REPLACEMENT Card was sent to me and case it still open with no resolution. 
Please help me solve this problem as it is still not resolved after almost 5 months of purchase. Thank you
Product: Credit card or prepaid card

US Bank-Relia CardOn XXXX XXXX, I made a card to bank transfer. Ive called multiple times to have this issue investigated. Each time they said they would open an investigation, and did not do so. On Tuesday, XXXX XXXX, a rep finally opened up an investigation. When I called in today, I was given a trace number and told by the rep, that was all he could do. Then I requested a supervisor, XXXX came on the line. He was very rude, over talked me, and then sati made a transfer to the wrong account. After this, he stated that he could see where money had actually been transferred to the account in question. XXXX stated he could not give me information over the phone and suggested I call my bank. After calling my bank, for the third time and giving them the trace number, they still had no information regarding the transfer in question. When I called again to Relia Card, I was told by XXXX, from card holder services that I had to call US Bank. The rep from US Bank, stated the they lent their name to Relia Card and do not have any information about my card, and I do not have an account with them. Upon calling Relia Card again, the rep was rude and gave me the trace number again to call my bank, stating nothing else could be done by Relia Card. Im still {$2000.00}, the amount of the transfer, and they are refusing to provide any additional assistance. No investigation has taken place. This is very frustrating. This is my unemployment compensation and I need it. Hopefully, you can assist me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Insurance company paid the contractual amount. They later sent them a statement telling them the amount was paid and that I owed a XXXX balance. I have a copy of this letter ( sent by XXXX XXXX ) complete with the electronic transfer amount, numbers, etc. Now I am being hounded by debt collectors.
Product: Credit reporting or other personal consumer reports

On, XX/XX/XXXX I requested a copy of my credit report from all credit reporting agencies. I received my credit report from all agencies to check for any clerical errors that may have been created without my consent, only to discover the agencies reporting inaccurate information on my credit report. The reported names are inaccurate, addresses reported inaccurate. In XXXX of XXXX, I disputed all inaccurate information with XXXX, XXXX, and Experian agency, without receiving remedy. Reporting inaccurate information is a violation of consumer rights, 15 U.S. Code 1679c - Disclosures : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Product: Credit reporting or other personal consumer reports

Ive disputed over XXXX times this situation through Equifax Equifax keep updating old accounts make them new and bring in my credit score down drastically. Ive asked Equifax over XXXX times to opt me out to close my account nicely. They always tell me that the federal government or any government agents cant force them to close my account. Why can I opt out of XXXX and XXXX but not Equifax.? XXXX XXXX is showing a XXXX  XXXX on my report now Equifax has updated saying that XXXX XXXX  has a bankruptcy XXXX  XXXX, and also a bankruptcy petition The opening date XX/XX/year> When Ive never had an account with this mortgage company. I never filed a dispute with this mortgage company or paid mortgage to this company. They put this on my credit report as a solo mortgage company. This is inaccurate. They have updated all of my account dirty and 90 days late, but 60 days are not late. How is that possible? They are so XXXX  XXXX late payments which is closed. Paid off full with no late payments. They are showing XXXX XXXX with late payments for 30 and 90 days and above, but not 60 days late. They are also showing my credit years incorrect. I supposed to have over 11 years of credit maybe more. I need Equifax to take this off my credit report. I need Equifax to opt me out of sharing and collecting data on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 8 months I have writing over XXXX plus letters to multiple credit reporting agencies for the inaccurate information that they have been reporting to my credit report. I have also written many letters to CFPB as well, informing them of these problems as. I have accounts on my report that according to the FCRA should not be reported such as age out accounts, accounts that have been re-aged, public records ( which do not even report to the credit bureaus in the State of Maryland but use XXXX which is a third party in which I also reviewed my report with them and they don't have any records of my filing bankruptcy ) and inquires that I have not authorize all in which fall under the FCRA XXXX XXXX ( A ) ( B ) and because of the erroneous information being reported on my credit report I am unable to purchase a home. XXXX  XXXX XXXX  XXXX  was open XXXX been on my credit report for XXXX and 8 months, FB XXXX XXXX XXXX XXXX open XXXX been on my credit report for XXXX and XXXX ( not to mention I no idea who this company is ). I would like to have all the erroneous information removed from my credit reports. I have done everything that I can to have this happen but to no avail. I have reached out to an attorney to file a lawsuit against these companies and is currently waiting on my appointment date to begin the process. Again, am just asking that these companies report accurate information in which they are required to do due under the many rules and regulations that is governed by the FCRA.
Product: Credit reporting or other personal consumer reports

ATTN : TRANSUNION RE : Intent to file suit- a violation of the FCRA I must emphasize that it is a violation of the law to make a threat of legal action without any genuine intention to follow through. I want to formally notify you that I am highly determined to pursue legal action against your company. Despite my repeated attempts to address the issue, requesting you to investigate and rectify all inaccuracies in my personal credit profile, you have consistently failed to take appropriate action. It is crucial to note that the law obligates you to investigate every single request to rectify erroneous information, a fact that seems to have been disregarded in my case. 

This is an utterly blatant disregard of the Fair Credit Reporting Act, which grants individuals the right to take legal action and imposes penalties and liabilities on consumer reporting agencies and data providers for non-compliance with its regulations. 

I must reiterate my previous statement that this is my ultimate appeal for you to fulfill your obligations under the FCRA. If you do not undertake a thorough examination of the aforementioned accounts in response to this final request, I will have no choice but to initiate legal proceedings against your organization within the jurisdiction of my residence. Consequently, you will be required to appear in person to defend your actions. 

I place great importance on my credit and I am deeply disappointed by your unprofessionalism and lack of assistance. I am fully cognizant of my rights under the FCRA and I am determined to assert them to the fullest extent. I expect your prompt response.
Product: Credit reporting or other personal consumer reports

THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED MY SHOP YOUR WAY MASTERCARD XXXX XXXX XXXX XXXX FOR {$19.00} FOR A MEMBERSHIP I NEVER JOINED AND SHOP YOUR WAY, MASTERCARD CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX XXXX I REACHED OUT TO MY MASTERCARD, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX, BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.
Product: Mortgage

In short I had a mortgage with a coborrower in XXXX ... in XXXX that mortgage was modified into a mortgage with that coborrower by herself. In XXXX I filed a BKXXXX and in XXXX I received a discharge. Rushmore Loan Management took over servicing the mortgage in XXXX and has been reporting to the credit bureaus that the mortgage is mine, open, and delinquent. I faxed them the attached letter on XXXX/XXXX/XXXX and they are supposed to respond within 30 days and have not done so. I had an attorney send them a letter and again no response. All the while my credit is being ruined by them for an account that is not mine anymore.
Product: Debt collection

Discover- {$1600.00} Charged off 15 USC 1681. I have consumer right to privacy.

15 USC 1681a Definitions -customer means individual -customer report means any written, oral, or other communications of any information 15 USC 1681b Permissible purposes of customer reports.

- ( 2 ) In accordance with written instructions of the consumer to whom it rates.

Which means they need written consent to add anything to my report which is a violation of the FCRA. 
This law backs it up XXXX XXXX XXXX  XXXX XXXX ) 15 USC 1681e compliance procedures accuracy of report 15 USC 1681n civil liability for willful noncompliance
Product: Mortgage

XXXX5 usc 1692 ( A ) ( 4 ). Debt can not be transfered to another company without my consent. My original loan was through severn bank. Pennymac took control of my loan, without my consent shortly after the purchase of my home.