23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am not sure what this company is pulling. I started having problem with Fay Servicing early this year when a creditor that came back from 20 years ago went to my bank account and withdrew around {$3000.00}. It cost my online payment with Fay to dysfunction. I just don't understand why these banks will sell their mortgage to another company without regards to the mortgage holder. XXXX XXXX XXXX   would have worked better with me under this current situation. Anyway,  I tried to come-up with the money to catch-up with payments to no avail. This was when the covid-19 issue surfaced and I stopped working because I was taking care of my wife- who is going through XXXX, and my elder-mom who is going through XXXX. I tried to work it out with Fay and they promised to help me re-modify my mortgage terms to the best that will fit my situation. However, Fay asked me to submit some information, which I did. Fay later found-out that I am XXXX, and sent me a letter telling me that I did not qualify for any option that is alternative to foreclosure. Firstly, FAY had sent me an appraisal of the property. In other words, they were asking me to sell. I don't want to sell my only home of 20 years. What about the CARE ACT- covid-19 federal government help? There was no mention of  such option. This company wants my property because they believe it will make them money. For Christ sake, I have a family who depend on me in these disastrous period, but a company like FAY will choose such time to come-up with highly strenuous decision without working with the federal government to help the American people. FAY is citing my income ( not sure if it is the unemployment income or my original income ) as the reasons behind my not qualifying for ( a ) repayment plan, ( b ) deferment, or ( c ) service modification. It was the income from my original job that had helped me sustained my past mortgage payments. So, what happened now? I still can go back to the old job when this covid-19 issues subsides. I bet FAY did not even consider any other option because of the determination to sell my house for their selfish gain.
Product: Credit reporting or other personal consumer reports

All of my information was exposed in a data breech. If I have to take this to court personally, I will. This is definitely unlawful & I am prepared 100 % to clear my credit report of all negative accounts. XXXX XXXX people information exposed. Credit report cleared or monetary recouping and credit clearing will be sought after.
Product: Credit card

THIS REPORT WITH SUPPORTING DOCUMENTS WILL BE ATTACHED. 
1. Since XXXX I paid my credit card bill each month soon after I received it. 
2. On XX/XX/2016 - around the time Citibank was transferring my credit card from the original XXXX Universal Card to the Citi Preferred Card - I paid my XX/XX/XXXX bill online. 
3. I printed Citibank 's receipt of my online payment. 
4. My bank XXXX XXXX XXXX never received a transaction request from Citibank. 
5. I was surprised to see my XX/XX/XXXX charges plus a late fee on my XX/XX/XXXX bill. 
6. I paid my XX/XX/XXXX and XX/XX/XXXX charges. 
7. I sent Citibank a copy of the receipt of my XX/XX/XXXX online payment. I noted that the glitch had to have occurred on their end, since it was around the time that they were processing a transfer of my card. 
8. I requested that they drop the late fee. 
9. Citibank refused my request. 
10. CITIBANK 'S POLICY IS TO BLAME ITS CUSTOMERS FOR CITIBANK 'S ERRORS! 
11. I closed my credit card account. 
12. I am receiving extraneous communications from Citibank.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit bureau failed to verify information and provide me results of investigation.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF FRUAD LAST YEAR HAVE BEEN IN CONTACT WITH THE COMPANY LOCAL PD 3 CREDIT COMPANY TRY TO RESLOVE THIS ISSUE I HAVE A XXXX IN REPORT STATE THAT I HAVE BEN ONE IN WISH TO GET REMOVED I DID NOT AUTHORIZE THESE INQURY WISH TO BE REMOVAL PLEASE AND THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federal protected consumer privacy and confidentiality under 15 US 1681. 
XXXX XXXX XXXX  acct # XXXX, XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX 15 U.S.C 1681 section602 A states I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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. 

15 U.S.C 1681s-2 ( A ) ( 1 ). 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.
Product: Debt collection

Receivables Outsourcing LLC ( XXXX ) continues to call even after I have requested they not call several times. They leave a message on the answering machine for my deceased husband, saying if this is not he to hang up. An answering machine can not hang up. The message goes on to say that by remaining on the line, it acknowledges to be the person they are calling. Further the recorded message states this is a call from a debt collector. ( This makes the information available to anyone who might hear the message ). This continues to happen weekly even though I have called several times and asked them not to call.
Product: Debt collection

I opened up a gym membership with the XXXX. I signed a two year contract therefore I was stuck. But I was told that we could break it if we payed a fee. I forget the amount, and because they had lied and deceived me I stopped paying the monthly payments. And now they sent my account to collections. This is n't even a credit card or an autoloan for it to affect me like this. They are undeserving of the payment because of the lying and shady practices they do. So I need this erased from my credit.
Product: Credit card

Hello, I am unable to make my payment online. When calling to ask why no one seem to know and keep sending me around in circles. When I input my information, via card number ss # etc. There system does not recognize my information but when I call to make a payment on phone pay there is no issues, what the use of having online system to attempt to make your payment and always something wrong. Please correct these issues immediately. 

I have been a customer for some time, and they refuse to give me a credit increase but have a policy in place for new customer but do not value old customer that's very unfair and a lack of injustice. In creating a policy there should have been a policy for all not just new customers and not offer your old loyal customer anything. Other credit when that change their loyal customer come first instead, I got talked to very bad by a member of management.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Checking or savings account

*I AM NOT A VICTIM OF SCAM/FRAUD* Update : As of XXXX XXXX XXXXXXXX  I still do not have my funds from Marcus by Goldman Sachs XXXX It has been over 7 months. 

Recently on XXXX XXXX XXXX I spoke to someone named XXXX, I thought I had received good news An affidavit of identity was sent out to me so that I can fill it out, send it back so that way Marcus by Goldman Sachs can send out the check to me instead of the originating bank finally. They told me I will received the Affadvit of identity will be received in 7-10 business days. It is now XXXX XXXX XXXX and I still do not have the affidavit of identity. Most Recently, on XXXX XXXX XXXX I contacted Marcus by Goldman Sachs to see once again where my money was, they stated that the originating bank has the check and we do not know if they deposited it or destroyed it. I spoke to someone named XXXX  They also stated that an affidavit of identity was never sent out because they do not have my funds so a check would not be created and sent to me even with an affidavit of identity! Essentially, they dont know where my {$20000.00} is. At this point, I seriously can not deal with this anymore and I have no choice but to file a suit for damages. Update : It is now XX/XX/XXXX and I still do not have this money. I recently called XXXX XXXX on XX/XX/XXXX to see what was going on with the dispute that was created by Marcus By Goldman Sachs on XXXX to see where my funds are : This dispute was put in my XXXX : Dispute ID : XXXX Amount : {$20000.00} Marcus by Goldman Sachs stated that we needed to do a 3-way call with XXXX XXXX to confirm the funds have not been received by them from Marcus by Goldman Sachs XXXX XXXX from Marcus By goldman sachs confirmed on the phone with XXXX XXXX  that they do NOT have the funds and I still do not have this money. She then initiated another dispute for the same exact reason, to see where my funds are. XXXX  Dispute ID : XXXX {$20000.00} XXXX At this point, I have been trying to get my money back from Marcus by Goldman Sachs for over half a year and it makes no sense why Marcus by Goldman Sachs is putting me through this toxic cycle. I am filing a lawuit against Marcus by Goldman Sachs.
Product: Mortgage

From the first month our mortgage was bought by Town Mortgage we have had multiple issues. Those include : taking off of auto pay without knowledge, if you go to make a payment it takes days, when you call the phone hangs up, or you will be on hold for hours. I have sat on the phone with my wife to witness that we are the phone for 2 hours plus attempting to pay. They will transfer to the department and the call drops. I have also received no correspondence via mail or email. They will call at times and leave no voicemail. This is an impossible company to even talk too. My biggest issue is 2 major fraud issues. I have written documentation of both of them. The first was in XXXX of 2018. I had noticed the payment was sent back to me. When I called them Town Mortgage stated that I requested the return. When I called and stated that I did no such thing. Town Mortgage then stated that " It was actually your Credit Union sent us a letter to return payment. '' I contacted my credit union and they also stated no such thing. I asked them to do an investigation into the account which they sent an official and notarized form that no such thing had occurred. Town Mortgage stated they had the form from my bank, and sent it to me. I sent that to the bank and they stated that is not a form they have ever used, and the form was clearly made on XXXX with no letter head, no explanation and is clearly false and my bank verified it was false. This is a common practice with town mortgage. At the time I had the bank check, Town Mortgage had stated this has happened 4 times. My bank verified with their investigations department there was not one time. 

The other form of fraud was that also in 2018 they refused to pay the escrow amount that is supposed to cover taxes and home insurance. It was built into the loan and to this day they refuse to tell me what happened to this money. I had to pay additional taxes and home insurance. I had my insurance broker attempt to contact them about this money and escrow policy. They also refused to talk to him or explain where the money is. I also have a certified letter from the broker stating in 30 years he has never seen this, or dealt with a company that was very easily hiding money or altering a federal loan, and refused to communicate with. So they take escrow money refuse to talk about it, and they send payments back and falsify your own bank documents to try to get you to pay late fees. This type of practice needs to be investigated on a large scale. i was also contacted by an employee via email that stated everything that has happened is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you
Product: Checking or savings account

Bank of America on XX/XX/2023 sent me an email with my email and other crucial information stating I tried opening an account. Two people are involved in this. My email and my mother, witch are linked in several cases for I am her caregiver in stage XXXX XXXX in the the state of Michigan. I get this email AFTER the news report comes out of Bank of America doing this and the CFPB fining them. Saturday XX/XX/2023 at XXXX. 

I freak out because of my inaccuracies in Florida and other stolen identies. They are impossible to get a hold of. By phone, by fm, by email.
Product: Credit reporting 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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of this inaccurate account from my credit report, as it is not linked to me and I did not consent to its establishment. I have attached the necessary documentation to support my position.
Product: Credit reporting or other personal consumer reports

I sent certified mail to CITI in regards to my acct # XXXX making them aware that they are violating my consumer rights to privacy according to 15 USC 6802. A financial institution may not disclose non public personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. I would like CITI to stop sharing my non public information as I am exercising my non disclosure option that was never given to me by them. They refused to comply with this title and ignored the contents of my certified letter that was sent on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts Consist of XXXX XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXXXXXX XXXX XXXXXXXX opened on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

" M

ethod of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.
Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

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