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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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Product: Checking or savings account

I opened an account with Citibank on XX/XX/XXXX for the sole purpose of being able to deposit a check from XXXX XXXX that I had gotten that was deposit only and I was not allowed to cash at a check cashing place. I deposited the check it was accepted and cleared on XX/XX/XXXX but didn't show in my account and suddenly I couldn't access my amount online. It started asking for debit card information which I don't have because it's only been a day since opening. so I called the bank to verify what was going on the customer support lady said I needed to wait until the card arrived and everything was all good with my account and I was told the funds would be held for 5 days. And then my cousin sent me a XXXX payment. Citibank verified and told me my card was on its way then I get a email on XX/XX/XXXX maybe XXXX minutes after having up with customer support that my account was going to be closed because I violated the terms laid down in the terms and conditions when I called I asked what terms I had violated and I was not told anything they refused to answer the question they said " well you're just going to have to wait till the letter comes '' " I said well what do I need to do to get my money out of the account ' and they said well you need to go down to a branch so I went down to the branch and they told me that they couldn't help me that there was nothing I could do and they wouldn't tell me what terms I violated and now they won't tell me anything they closed my account I don't have access to it nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint this year ( see ID # XXXX ), and I still can not get Equifax to send me a copy of my credit report. My most recent request was sent via US mail to Equifax 's Corp. VP & Chief Legal Officer, Certified Mail/Return Receipt and Equifax signed for it on XXXX/XXXX/21 at XXXX. I've waited this additional 2 months to give them more than enough time to respond, and I've been trying to get them to respond to my numerous requests since XX/XX/XXXX! Equifax sent me my credit report back in XXXX, so they certainly have it despite their claim to not be able to locate one in my name. Obviously a confirming contact with even their Chief Legal Officer ended up yet another futile attempt. I have NO problem whatsoever getting my credit report from the other 2 national credit bureaus - including online, which Equifax refuses to do despite several online requests as well.
Product: Debt collection

On XXXX XXXX, 2023, a levy was placed against me. I tired to dispute. They are saying I have to prove to support my dispute. We are in court.
Product: Credit reporting or other personal consumer reports

Complaint Summary : On XX/XX/year>, I obtained my credit report from Experian, which contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. Experian is unlawfully reporting charge-off accounts with an active past-due balance, violating 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and Metro 2 guidelines.

Experian failed to ensure maximum possible accuracy and is reporting inconsistent and misleading data, negatively impacting my credit score.

FCRA and Metro 2 Violations in My Credit Report : 1. Charge-Offs with an Active Past-Due Balance ( FCRA & Metro 2 Violation ) Experian is incorrectly reporting charged-off accounts with a past-due balance.

FCRA Violation 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure " maximum possible accuracy. '' A charged-off account can not also report a past-due balance, as it has already been written off.

Metro 2 Violation : The past-due field must be reported as {$0.00} once charged off, per Metro 2 CDIA guidelines .

2. Failure to Investigate and Correct Inaccurate Data ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed these inaccuracies, but Experian failed to delete the false reporting within 30 days, as required by law.

FCRA Violation 15 U.S.C. 1681s-2 ( b ) : The furnisher ( Experian ) is legally obligated to reinvestigate and correct any inaccurate or unverifiable information.

CFPBs Recent Lawsuit Against Experian has already established that Experian fails to conduct reasonable investigations into consumer disputes.

3. Improper Reporting Practices Impacting My Creditworthiness By reporting both a charge-off and a past-due balance, Experian is artificially inflating the negative impact on my credit. 
This is a form of double jeopardy reporting, misleading creditors and harming my ability to obtain credit fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX to dispute information on my credit report from National Credit Systems Inc from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an XXXX  on XX/XX/XXXX with the XXXX XXXX Justice court and got a judgement for {$710.00} Case # XXXX. I was on XXXX  XXXX XXXX, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

Palm terrace then submits a report to National Credit Systems on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX Justice Court when they XXXX  me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX  XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.
Product: Debt collection

Repeated phones starting XXXX XXXX 2017. Since that day they have called me 43 times.
Product: Payday loan, title loan, or personal loan

The loan was taken out on XX/XX/2021 in the amount of {$1800.00} with American First Finance. THe loan was presented to me as a no interest loan for XXXX installments. i set an amount to be paid for XXXX the amount for each installment.We asked about a XXXX debt amount listed in the contract and it was explained that as long as we pay the amount in the XXXX installments we would not be charged. We did not recieve a statement and had to go to the website and request a list of transactions to find that a " Rent '' fee mate up {$98.00} of the charge. The word " rent '' does appear in the contract but does not display an amount to be charges. THis is clearly a hidden fee. We now have been charged the full amount of {$7100.00} on a {$1800.00} loan.
Product: Credit card or prepaid card

This complain is in regard to XXXX XXXX through TD Retail Card. 
On XX/XX/2019 i Trade-In my old XXXX phone for a new XXXX XXXX XXXX. I bought it for {$590.00}. 
On XX/XX/2019 i received another offer to Trade-In my phone for XXXX XXXX  XXXX. 
I Trade-In my phone with transaction ID ( XXXX ) successfully. 
The price of XXXX XXXX  XXXX at a time was {$940.00}. In the offer that I received through XXXX web site that luckily i did get a print out because later they deleted such information from my page at XXXX web site indicated that upon successful Trade-In eligibility i would receive a sum of {$800.00} discount toward this Trade-In. 

On ( XX/XX/2019 ) my balance on my phone was {$390.00} The Payment summary indicated that i have to pay {$580.00} for XXXX  XXXX after Trade-In, which means i had to pay {$180.00} on top of my balance and i accepted the offer. 

However, next billing statement i saw that not only i had to pay {$390.00} but also I had to pay {$580.00} or total of {$970.00} which was more than New XXXX  XXXX. They did throw in a promotion for online music services that anybody could get without any purchase for 3 months any way. The only thing that had monetary value was the ear buds that they included as a bundle. 

I have called XXXX support team several time and my written dispute was rejected.
Product: Mortgage

RE : MR. COOPER. We are a settlement agent. We submit escrow checks XXXX times a day for loan payoffs. Of Course, many of these payoffs are to Mr. Cooper, a large loan servicer. There must become a better way for Settlement Agents to obtain Accurate Payoff Statements. While Mr. Cooper makes errors, we have experienced XXXXXXXX XXXX XXXX XXXX XXXX also make these same errors. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are likely the worst offenders at not providing payoff statements promptly to consumers, with XXXX XXXXXXXX being the absolute worst and should absolutely be put under the microscope of CFPB for their operations. 

Mr. Cooper called Our law firm ( who issued the check ) regarding the payoff shortage since Mr. Cooper 's payoff statement was inaccurate based off a disbursement from the Escrow Account While this issue of short payoffs ( related to disbursements around the settlement date creating a negative escrow account and thus an increased payoff ) happens from time to time, Mr. Cooper representative ( presumably the representative in possession of the payoff check ) would call our law firm, and even gave the short payoff amount over Voicemail. The representative would then leave their customer service XXXX number, and the law firm had no way to contact her directly and phone is answered by a computer. When we reached someone, after hours on hold and getting to the correct dept., the representative WOULD NOT provide the payoff shortage amount over the phone even though another representative left the shortage amount ON A VOICEMAIL. The Mr. Cooper representatives ( two were on the line ) then HUNG UP on me, all while we were simply trying to confirm the payoff shortage amount and wire instructions so that the loan would be paid in full and thus their LIEN would be released. There MUST be changes with loan servicing companies so that Settlement Agents can do their jobs. The loan servicing companies ' operations are horrible and must be improved for the sake of the economy at large and protection of consumers in buying and selling houses or refinancing.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with TransUnion, XXXX, and XXXX regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

The inaccuracies include : XXXX. Incorrect account dates that do not match the original creditor 's records. 
XXXX. Inaccurate balance amounts, which are not consistent with actual account statuses. 
XXXX. Payment history errors, such as reporting late payments that never occurred. 

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data.

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.
Product: Checking or savings account

Saturday, XX/XX/XXXX, I was checking my on-line checking account, and I noticed on my second checking that Bank of America had made a direct deposit of a military member 's pay check into my checking account, I went to the bank on Monday to let them know of the mistake they made. The mistake is being corrected now. I already have a fraud claim against Bank of America, now they do this, what kind of bank is this? Enterprise Resolution of Bank of America acts like they aren't doing anything to get my {$23000.00} back. Every time I try to contact them, all I get is leave message on voice mail. This bank needs to be closed down. I tried to cash a Bank of America cashier 's check and was told I have to come back in four days to get my money. It is alright for them to steal money from you, but when you have one of their money checks, they don't want to cash it.
Product: Credit reporting or other personal consumer reports

No amount i had to pay for the fraud accounts and was told they will come off if i did and they have not yet to do that so i just want to move on from this even though its not mines i still paid because i was trying to buy a home i ask them to remove the lates from XXXX XXXX didn't do that as well no balance close paid in full accounts it was only XXXX XXXX XXXX the fraud accounts was XXXX amd XXXX which i sent proof of it to remove off experian and they still have not remove it the other burearus did remove lexis nexus does not have that info
Product: Consumer Loan

On XXXX XXXX, XXXX my employer was served with garnishment papers from a law firm representing a payday loan company called Master Finance of Texas. I have never lived XXXX but apparently they have a company in Missouri. I do not remember having received a loan from this company. When I spoke with the law firm they said it was a loan that I got in XXXX for the amount of {$80.00}. However on the garnishment papers they are trying to garnish me for {$2200.00}. I do not believe this fair because for XXXX I do not have any recollection of getting such a loan, and XXXX I was never served any papers in regards to a court date. They just showed up at my job with a garnishment notice. This does n't make sense. The law firm also stated I was served on XXXX XXXX, XXXX at my current residence that I have lived at since XXXX XXXX I do not see how since you have to have a key in order to enter my building. How is it possible for them to even be able to garnish me if I was never served court papers? Also how can they try to garnish me for {$2200.00} when the original loan was {$80.00}? Also for the state of XXXX ca n't I use the Statue of Limitation as a defense if I did in fact get this loan? ( I still have no memory of getting XXXX from such a company )
Product: Credit reporting or other personal consumer reports

FCRA violation : not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Multifamily XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamil FCRA violations XXXX not my accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$2.00} FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit card

I have called and attempted to arrange a payment plan with Discover. I asked for documentation to be provided as well. We initially setup a payment plan which failed and documentation from them was very little as I only received one letter. They did make it initially hard to setup a fair arrangement. They seemed very hesitant to send me any physical documentation and wanted correspondence over the phone only. I felt uncomfortable and asked for physical documentation. They did send one letter that did not include everything discussed on the phone and only about a week before our payment arrangement would start.
Product: Debt collection

Since XXXX/XXXX/2015 I am receiving calls as follows. Seems their ROBO caller is calling XXXXtime then XXXX times then XXXX time and now its has started every hour. They have called my Employer and said that they had papers to be delivered to me and that the server was outside my office. I called them and told them that if they called my employer or my office again I would file a complant. Now it is getting worse. I work for a XXXX. I do not have time for this XXXX. The account is already passed the Statute of Limitations.
Product: Debt collection

I have contacted XXXX XXXX and they are unable to locate my file however ; they are reporting to the CRA 's. I believe that this account is the result of identity theft. I also believe that they are trying to request my current identification in order to use my current information to continue to validate their claims. I have filled a dispute 3 times and they are asserting that I need to provide authentication documents however ; they are not able to provide any information related to this debt.
Product: Credit reporting

I notified Experian that this is a fraud account twice. I called on XXXX/XXXX/2015 to complained about there investigation with this fraud account from this collection company named XXXX XXXX Nv XXXX.Under Fair Credit Reporting Act, I should had been mail of any account in collection to be notified in writing about a collection account. I was n't notified of this collection account until my credit alert notified me of this collection. This account is identity theft and Experian only asked for basic information to this company like my name and date of birth. Any person can have that kind of information. I have asked for proof that this is my account, copies of social security, identification etc. collection companies are breaking laws and the credit bureaus are letting these company get away with this. This is not a duplicate
Product: Checking or savings account

There was recent purchases made thru XXXX that were not made by me. I filled and complaint and they closed my case. I was told is because they used my info. Ive spoken to XXXX and they have no record from those purchases. I have XXXX purchases of {$57.00}, XXXX of {$93.00} and XXXX of {$55.00}. They all all under recurring payments. I dont believe they really looked into it as I dont even have recurring payments for that site on Wells Fargo XXXX They were no help just said to make police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for nel net and dept of education to change the balances on the loans I have a XXXX discharge. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX for me, under XXXX XXXX. 
Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faculty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. 
Thank you in advance for your anticipated cooperation. 
Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX