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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX AZ Account Number : XXXX XXXX. The following personal information is incorrect Employer XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Employer XXXX XXXX  XXXX Account Number : XXXX
Product: Mortgage

I entered in loan modification program XX/XX/XXXX. I was only 9 months behind in mortgage. I am currently selling my home. the Partial Claim amount is {$66000.00} due by XX/XX/XXXX. If I am paying off the loan at the end of this month why does the amount remain the same? I've only been in the modification for XXXX this XXXX.
Product: Credit reporting

Midland Funding is reporting an account that was closed in XX/XX/XXXX by XXXX as a Opening date of XX/XX/XXXX and XX/XX/XXXX, which means that this debt will remain on my credit for until XX/XX/XXXX b/c it reflects the account being 1yr and 1 mo old. This is a incorrect date b/c XXXX closed it in XX/XX/XXXX and it should start from that date. I disputed this account thinking that someone stole my information b/c of the dates that were reported as being " opened ''. When I called XXXX XXXX they were unable to find these accounts by my ssn. After doing some digging in their systems they confirmed that it was sold to Midland but it should not show up as a opening date of XX/XX/XXXX and XX/XX/XXXX. The lady submitted a dispute with their credit department to have it removed. After doing my investigation midland is re-ageing this account and which they cant do that by law. I called Midland and the rep stated that the date of XX/XX/XXXX and XX/XX/XXXX should not be showing as an opening date on my credit and it should be converted back to the date in which it was closed by XXXX. I explained to her and read what was on my credit report. She said she would document the account b/c its already in a dispute status b/c this is the 2nd time I am disputing this.
Product: Debt collection

I was in the process of buying a house, so I had alerts set up on my credit karma. I get an alert saying new collections account. It was this one, I panicked and called them immediately. I went ahead and settled the payment but this still altered my approval to purchase my home. I would have at least liked to have notice before also it states the account was opened in XX/XX/XXXX when it was closed in XXXX. Seems very unfair to wait this long and then sneak attack me. The timing couldnt have been worse this has been a nightmare.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Bank account or service

I have a Citibank Checking/Savings account. On XXXX/XXXX/15, I deposited a check which subsequently bounced. I was charged XXXX dollars due to the checking account that was providing the source of funds having insufficient funds. I believe that this unfair and fraudulent ; since, I am unaware of whether the check I received will clear or not. Being the recipient, I should not be held responsible for the failure of another person 's mistake.
Product: Money transfer, virtual currency, or money service

I TRANSFERRED XXXX TO COINBASE XXXX 0N XX/XX/2021 The money is missing before i sent the wire transfer from my bank they coinbase pro said it was safe all issues are resolved -- security i trusted them again no more
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of XXXX, XXXX, and Equifax to protect consumer privacy and maintain accurate credit reporting practices.
Product: Mortgage

After a year and a half my insurance company decided to settle my lawsuit instead of having it continue to trail. The insurance company indicated there was very little damage. Upon settling the lawsuit they provided a settlement letter and payment. I notified the mortgage company of the settlement and uploaded them the letter on XX/XX/XXXX. I overnighted them the endorsed check which they received on XX/XX/XXXX. They asked for the insurance company 's adjuster 's report however there in no adjuster 's report as this was a settlement. They then wanted a contractor 's proposal, however there is no proposals. They then required me to provide an owner completion certificate on XX/XX/XXXX and scheduled their inspector to come out to inspect the house, which I had to pay for. The inspector came to the home and inspected it XX/XX/XXXX. The inspector indicated that he just needed pictures of the outside of the house. We asked if they needed to come inside the home to get pictures. He indicated he did not, and he only need pictures of the outside. Which he certifed the repairs were made satisfactory and there are no liens or claims on the house. After their 8-10 timeframe they needed to upload everything, I reached out to see where we were, and they indicated I need to send them receipts. I asked what receipts, and they said the receipts for fixing the house up. To which I reply what work? the Insurance Company says that there was not damage, the mortgage company argues that he insurance company wouldn't have cut a check unless there was damage and I needed to send them receipts. I asked what timeframe they wanted and they said since the incident ( which was XX/XX/XXXX ). I than proceed to upload misc. receipts and proposal to saticfy them. After another 8-10 days I follow back up and they say oh because it was an insurance settlement they do not need the reciepts however they need to have an inspection of the whole house including the inside. They schedule another inspection that came back on XX/XX/XXXX indicating all repairs are completed and there are no liens. Wait another 8-10 days and follow back up and the response now is they need a waiver of lien from every person that work on the home including ones that just did estimates. I indicated that was impossible as some were individuals from 1 and 1/2 years ago and i have not way of contacting them. They than informed me I can provide them a report from the county to show there are no liens on the property. Which I provided on XX/XX/XXXX and they had 8 - 10 days to review. I called 4 separate times between XX/XX/XXXX - XXXX to verify they had it and nothing else was needed/ Each time they indicated they had everything and they were processing the payment and it will be mailed by XX/XX/XXXX. Today, XX/XX/XXXX, I called to check the status and they informed me that the processer did not do anything with it and didn't know why. A supervisor comes on the call and say they lien search will not work, and they need a waiver of lien from all 12 estimates and/or paid in full receipts.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting inaccurate and outdated information. All of the scores are very low and outdated. Per 15 USC 1681 ( s-2 ) a person shall not furnish information relating to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate information is in fact inaccurate under 15 USC 1681n Civil liability for willful noncompliance. Experian, XXXX, XXXX has willfully reported inaccurate information that has caused tremendous amount of damage to my credit report and score. I have disputed all of the inaccurate information and the companies never did a complete and accurate investigation. 
There were 16 different name variations and also 19 different phone numbers, 3 different variations of my social security number as well. Also per 15 USC 1681b, there was no permissible purpose given for them to obtain any information about me for any credit. 15 USC 6802 states that a financial institution may not disclose any nonpublic personal information unless such financial institute has provided to the consumer a notice that complies with section 15 USC 6803 of this title. The inquires soft & hard, shows that this law has been violated as per CFR 313 Privacy Of Consumer Financial Information. All of the closed accounts and accounts in collection are paid accounts that are inactive on my credit report. these accounts are paid and the original creditor has settle the debt and the collection company has bought these accounts pennies on the dollar and are trying to collect on them. These are considered income, and are not suppose to be reported per CFR 313. Also per The Family Education and Privacy Act of 1974 educational and financial information is being reported by all 3 bureaus which violates my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is on two sides. It rests with both Experian and XXXX XXXX XXXX. On the XXXX XXXX XXXX XXXX, they had not reported anything to my credit report since XXXX. However, I was trying to clean up my credit report and I noticed there was an unpaid debt on there from a totaled XXXX XXXX XXXX XXXX that I missed a payment on. 

After settling the debt with XXXX XXXX XXXX in XXXX of XXXX, they didn't just report to Experian that I settled the debt. They also reported that it was in a state of charge-off, which they had not reported for 4 whole years prior. This wouldn't ordinarily be an issue, except XXXX has taken it upon themselves to convince Experian that this charge-off happened in the months of XXXX and XXXX of XXXX, which is wildly incorrect. This debt was owed for a very long time before I paid it off. There is no way it became charged-off RIGHT AS I PAID IT OFF. 

I have tried multiple times to dispute this with both Experian and with XXXX XXXX XXXX to no avail. With my last attempt to dispute this, I explained in a very detailed manner why and what was at issue to the Experian personnel, and they said the report was updated BUT NOTHING HAS CHANGED. 

I have run out of options. Despite my otherwise decent credit report and attempting to do the right thing in this circumstance, the recency of this alleged charge-off has prevented me from obtaining any other forms of credit that I very much need to acquire ( an auto loan, and a debt consolidation loan- both rejected because of this erroneous and punitive charge-off entry in my credit report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.
Product: Credit reporting or other personal consumer reports

The credit bureaus have reported false credit reports on my credit without fully investigating. The credit bureaus have put addresses on my credit report that do not belong to me, bad credit that do not belong to me, as well as false debt. I want all false debt and falls unknown addresses off my credit. The credit bureaus have not been fully investigating and doing their job.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX Card regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX : {$390.00}
Product: Credit card

Complaint about Citibank Credit Card On XX/XX/XXXX a credit card ( XXXX  ) and money were taken from my wallet while I was playing tennis at the XXXX XXXX XXXX in XXXX DE. Charges were attempted with my XXXX card at a local gas station. I received a fraud alert from XXXX and the card was cancelled. 
My Citibank card was also in my wallet, and a purchase was attempted at the XXXX XXXX # XXXX in XXXX DE with my Citibank credit card. An email was sent to me at approximately XXXX XXXX  on XX/XX/XXXX, while I was still at the country club playing tennis. I received an email that the charge was declined on XX/XX/XXXX. I called Citibank as soon as I became aware of the fraudulent charge. This was done on XX/XX/XXXX at approx XXXX XXXX.. The Citibank card was still in my wallet, though suspect that it was compromised, given the theft of the XXXX XXXX and money from the same wallet. There was also a piece of black cloth, resembling a piece of stocking left in my purse after the theft. I also filed a police report with the XXXX XXXX XXXX Police department. complaint number XXXX. 
Citibank has posted the charge for {$2300.00} to my card for this fraudulent charge. Stating that I had shopped at that same XXXX XXXX in the past. 
I ask that the charge be removed from my card.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Student loan

I applied for the XXXX plan in XX/XX/XXXX to prepare for repayments restarting in XX/XX/XXXX I received a letter from Nelnet on XX/XX/XXXX that my XXXX  application for XXXX was approved and payments would begin XX/XX/XXXX with a payment of {$570.00} When I logged into my Nelnet XXXX that week my minimum payment was over {$1000.00}. 

I called Nelnet and they told me that they did not receive an application for XXXX even though I got a confirmation letter from them in XX/XX/XXXX. They recommended that I place my loan in forbearance while I apply to SAVE. 

I received a second confirmation letter from Nelnet that my XXXX application was accepted XX/XX/XXXX but my loans are still in forebearance. 

Since XX/XX/XXXX I call Nelnet two or three times a week, wait on hold for hours, only to have my call dropped before speaking to a customer service rep. 

This is unacceptable because I should not be accruing interest under the federal government 's XXXX plan. But due to Nelnet being unable to make timely changes I have had months of interest accrue on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is reporting that the Bankruptcy information was verified by the Northern District Court on XXXX XXXX XXXX, XXXX floor, XXXX GA XXXX. This is FALSE. This account has not been properly verified and validated.
Product: Credit card

American Express, via their web site for customers, offers valuable rebates programs for various merchants. My wife and I have a household account with AMEX, with my card the primary, and her card the secondary. My wife has been consistently going to the web site, being presented with offers for merchant discounts and rebates, which she registers for and then specifically shops at those merchants. The registration shows the primary accounts as " registered '', as this is always how the AMEX site presents the XXXX cards - balances, miles, etc. are always shown under the primary account, with subtotals for the XXXX individual account numbers. As things turn out, for this marketing program, and it appears this only, the secondary account does not gain any of the benefits. This is very unclear and inconsistent with the managing of the cards historically. My wife has now spent money on items expecting the rebates/discounts, in most casts on items she would not of otherwise purchased. I believe this is a misleading and deceptive marketing campaign by AMEX - especially since we pay for both cards, the web site normally aggregates under the primary number, but for this one program, they treat the secondary card as worthless. At this point, not only do I feel we should be credited the expected discount, but I feel a refund for the purchases are due as we were enticed to spend on things we would not of otherwise chosen. I absolutely believe we are victims of a UDAP violation.