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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit card or prepaid card

I have a Citi credit card set to auto pay from XXXX, the Citi bill is due on XX/XX/XXXX. On XXXX Citi processed the autopay for the full statement balance. XXXX declined the auto pay and sent me and email of the issue all on XXXX. On XXXX I made an internal transfer at XXXX. 
On XXXX I went to the Citi digital site and attempted to pay the Citi statement balance. I received an error that I could not make a payment greater than 12.5 % of my current balance. I then called Citi client support who then told me nothing to be done I had to wait 2 business days at which time the payment would show declined. Two business days moves the date to end of business on XXXX. 
On XXXX I log into XXXX and I show the payment has been automatically re-processed by ACH. 1 day to clear ACH Citi has the money on XXXX. 
XX/XX/XXXX Citi card still being declined and now I have a statement showing late fees and interest although my Citi statement and on-line site still shows the payment made and I am under my credit limit by 30 %. 
XX/XX/XXXX I start on-line chat with customer support they tell me they are unable to assist I must call in. I call in, talk with supervisor, said nothing to be done, they have put a hold on the payment until XX/XX/XXXX although they have had the funds since XXXX. Meanwhile they are charging me a fee for being over my credit limit although according to my statement and the on-line site I am well under my limit, not to mention Citi actually has all of the money. Now all automatic payments are being rejected which requires me to manage each one of the auto pay accounts. Keep in mind the Citi bill was not due until XX/XX/XXXX. The Citi support agent recognized the issue, asked if I could get XXXX on the phone with him to verify the money had in fact been debited from the XXXX account. I said yes we could do that, he then went to his internal Citi group that could release the hold on the account and they told him they would not. He was left with no option other than to apologize for Citi. 
To recap, tried to pay the bill early and couldn't but still paid on time. In the end hit with a {$29.00} fee from Citi. The Citi system creates an issue where even if you identify a problem early, neither Citi employees or myself could do nothing to stop the system from abusing a consumer. 
Although I have the means in which to manage these types of problems, I can only imagine that many do not, especially during a pandemic.
Product: Credit reporting or other personal consumer reports

To the CFPB, XXXX XXXX XXXX is filing a complaint against the credit agencies for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. INACCURATE CREDIT REPORTS directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with XXXX  XXXX are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with XXXX XXXX XXXX are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with XXXX XXXX XXXX  are : The open dates are different I tried reaching out to XXXX XXXX Equifax XXXX & XXXX to clarify these issues but the representatives just kept saying they can only see their reports of my credit with them. These credit agencies SUPPOSE to have the same reports through & through no differences since they are collecting the information from the same exact source which is the companies that are providing the information, if the wavers at any moment how is the information XXXX.
Product: Debt collection

I do not own this account. Please remove off credit. 
Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID
Product: Payday loan, title loan, personal loan, or advance loan

FIFTH THIRD BANK forged a signature on a digital duplicate of my sales contract, thats between me, XXXX and XXXX. You can CLEARLY SEE that FIFTH THIRD BANK had crossed out a signature from XXXX and digitally added the name of their bank and a random signature that I do not recognize and did not authorize... there is no date associated with these signatures that they recently forged and there is no original, notarized, legally obtained document that had FIFTH THIRD BANK on it at all. ALL CLAIMS FIFTH THIRD BANK HAVE ARE NULL AND VOID, THERE IS NO CONTRACT, AND I FIRMLY EMPHASIZE MY DISGUST AND COMPLETE SUPRISE THAT THEIR ILLEGAL ACTIONS have been ignored and seeming accepted by CFPB and I demand remedy. FIFTH THIRD BANK hasbwilfully commited securities fraud, forgery, violated many U.S. codes, as well as lied and attempted to defend their actions rather than correct them...

On the document I uploaded you can CLEARLY SEE, the absence of FIFTH THIRD BANKs signature ... ... this is very illegal ....
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding inaccuracies on my credit files with XXXX, Equifax, and XXXX. Despite submitting supporting documentation, I am encountering ongoing difficulties with these agencies, which are prolonging the dispute process and putting me at risk of identity theft. 

As outlined in my original complaint, each of these agencies has requested that I send my personal information, including my ID and Social Security number, by mail. This request is both unnecessary and concerning, particularly given that each agency is aware that I have an identity theft alert on my credit files. Additionally, they have all blocked me from uploading my documents through their secure online portals, making it impossible to directly submit the required information. Instead, they are forcing me into an unsafe process that exposes me to further risks. 

Furthermore, I am required to undergo a verification process over the phone before being transferred to their special handling departments to dispute inaccuracies. I have followed all instructions and uploaded copies of my ID and the last four digits of my Social Security number through the CFPB portal, and the phone representatives have confirmed receipt of this documentation. Despite this, the process continues to be unnecessarily delayed and complicated.

I believe these actions are being taken in bad faith, and they are causing me undue hardship. The credit reporting agencies are fully aware of my identity theft history, and their actions seem deliberately designed to impede the resolution of my disputes. I respectfully request that the CFPB investigate this matter to ensure the credit reporting agencies handle my case in accordance with the law, especially considering the risk to my personal information. 

In my complaint, I have included supporting documentation : a copy of my ID, my Social Security card ( with only the last four digits visible ), a current utility bill as proof of address, and the letter from the reporting agencies. I refuse to send a copy of my Social Security card and ID through the XXXX mail system due to security concerns.
Product: Checking or savings account

When I opened the Wells Fargo checking account on XX/XX/XXXX in the XXXX XXXX branch ( XXXX XXXX, XXXX XXXX, CA XXXX ), I explicitly asked the banker responsible for opening the account what would happen if my account balance drops below XXXX. The answer was that no transaction would be processed when there is no sufficient fund or balance below XXXX. However, I was charged for XXXX times the overdraft fee for transactions processed while there was no sufficient fund in my account in the month of XX/XX/XXXX. I attempted to contact the Bank by phone call, but the Bank was only willing to return one overdraft fee. I believe the bank has been misled me and wrongly charged me for a total of {$140.00} ( = {$35.00} x 4 ). It is hoped that CFPB would help achieve a just outcome for unfortunate customers such as I and retrieve the fees wrongly charged.
Product: Checking or savings account

Some one put a fake check in my account and Wells Fargo wont do anything about it and telling me its my fault and closed my account. Its tjerw fault for releasing the funds. There was something I did see on there damage credit I have no idea what that is. I contacted the police and made a report with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity I have filed a police report. 

XXXX  XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/2017, I mailed a check to my credit card company ( XXXX Bank ) on the XXXX of XXXX I was informed they never received payment. I checked my T.D. Bank account and saw the check was deposited. upon further investigation by T.D.Bank they informed me the money was deposited to another T.D costumer account by mobile deposit, and told me to file a police report and they would have their fraud department look into it also. I filed a police report with XXXX XXXX. ( XXXX # XXXX ) and was told by the XXXX XXXX. they would need to get a subpoena to get information from T.D.Bank, Since that time I have yet to get an answer from T.D.Bank as to why my money has yet to be placed into my account. the amount of the check was {$1600.00}, but only {$1600.00} was deposited into XXXX XXXX account # XXXX on XX/XX/2017 at XXXX XXXX, I have contacted T.D. many times along with their fraud dept. and just seem to keep getting the run around, with promises of my money being back into my account soon. I have also been in contact with the Police who now have the name of the person who stole my money but would not release that information to me. they are still investigating also. Since I feel this was a complete error on T.D bank for depositing that money into a personal account when the check was clearly made out to XXXX XXXX ( XXXX XXXX ) they should have immediately returned my funds and go after the criminal who deposited the check into their bank.
Product: Credit card or prepaid card

On approximately  XXXX   XXXX  my son moved to Oregon, and when I checked flights so I could visit, I found that   XXXX   XXXX   had service from   XXXX   XXXX   XXXX  . While I was looking at flights on my tablet I saw an ad for a   XXXX   XXXX   branded Visa card offering mileage benefits. I signed up, supplied name, address and requested info and submitted the request. After the submission a popup appeared with terms and conditions and I noted there was a {$75.00} fee. That day  I  tried to find a contact phone number on the popup, to complain that there was NO notification of the fee prior to the submission action, but I was unable to find an active number. I wrote myself a reminder to contact the company after I received the card, with the intention of simply explaining the problem and cancelling the card ( and the fee ).   Yesterday,  XXXX   XXXX ,   XXXX  , the card arrived, and I called the number on the back (  XXXX  ). After explaining the problem to the agent, I was informed that it was my problem, and that the fee was expected to be paid even if I did not use the card.   I feel that their web-based promotions are badly presented and purposely misleading. I would like Bank of America to cancel this credit card account and remove the {$75.00} fee. If this resolution is made after the date this {$75.00} fee comes due, and I am forced to pay any yet to be received invoice, I ask that that amount be refunded to me via check. I further ask that there be NO negative credit report issued because of this misunderstanding.
Product: Debt collection

Original creditor sold debt and has not provided 1099-c and is attempting to collect debt
Product: Debt collection

NATLCRSYS has not responded to the certified letter I sent on the XX/XX/2024 to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. 
I previously sent a complaint about this account attempting to collect a debt not owed. Per my complaint via cfpb id number XXXX, it states that the company is longer in business and is not trying to collect the debt, so that is why my debt validation letter was returned to sender. I noticed on my XXXX credit file the address for the company was different so I sent a certified letter to that address as well and I have not received a letter back about anything. IF the company is no longer attempting to collect the debt then it should be removed from all XXXX of my credit files, not just XXXX This complaint is my last attempt to remedy the situation before I attempt to collect the XXXXXXXX XXXX I am owed per violation of federal law. tracking number for the certified letter was ; XXXX XXXX XXXX XXXX XXXX XXXX us postal service.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out in my name in 2018 with world finance in California. I have never lived or visited California it is a fraudulent account.
Product: Credit reporting

There is a judgment on my credit report that do not belong to me and I have disputed it directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for this judgment and it is causing grave injury to my credit report and score. The judgment is as follows : XXXX County Special - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sun Loan, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is showing a hard pull for dates as follows of which I didn't give permission for these inquiries ; XX/XX/2018, XXXX XXXX, XXXX XXXX and XXXX XXXX. Please, correct this information. Thank you, XXXX XXXX
Product: Mortgage

I bought my home in XXXX and refinanced with XXXX dba XXXX which sold the loan to XXXX in XXXX. There have many different Servicers and the most recent on is Caliber which had its licensed revoked in the State of California. by XXXX XXXX XXXX Deputy Commissioner XXXX XXXX XXXX Assistant Chief Counsel XXXX XXXX XXXX ( State Bar No. XXXX ) Senior Counsel Department of Business Oversight XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX The ruling stated : NOW GOOD CAUSE APPEARING THEREFORE, it is hereby ordered that the residential mortgage lender and servicer license issued by the Commissioner to Caliber Funding LLC is hereby revoked. This order is effective as of the date hereof. Pursuant to Financial Code sections 50310 and 50311, Caliber Funding LLC has sixty days within which to transfer its existing service accounts and complete any loans for which it had commitments. Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, California Commissioner of Business Oversight By : XXXX XXXX XXXX Deputy Commissioner Enforcement Division. 

Yet during XXXX I sent Caliber over {$20000.00} USD which were not applied to my alleged account. ( See 1098 and Trustee Letter attached ). 

Pursuant to RESPA, TILA, FDCAP, FAC, etc. I requested further information from Caliber, XXXX XXXX acting as a Trustee, and the alleged Trust that has my note, XXXX Master Participation Trust and they have failed to disclose this fact to me. 

They keep attempting to foreclose on my property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my home and family without my permission which is totally unlawful in XXXX.
Product: Credit card or prepaid card

XXXX XXXX STORE CREDIT CARD # XXXX-XXXX-XXXX WHEN ATTEMPTING TO PAY MY BILL ONLINE, I HAVE EXTREME TROUBLE LOGGING IN. MY PASSWORD IS NEVER ACCEPTED. I CALL THE CUSTOMER SERVICE AND THEN THE MANAGER ON THE DUE DATE TO EXPLAIN THE PROBLEM. I MAKE THE PAYMENT, BUT I'M STILL CHARGED A LATE PAYMENT FEE. I'VE ASKED THEM TO TAKE OFF THE LATE CHARGE THAT SEEMS TO COME EVERY MONTH NOW. AND I'VE ASKED THEM TO CANCEL MY ACCOUNT. THEY SAY THAT IF I CANCEL MY ACCOUNT - THEY WON'T TAKE OFF THE LATE FEE. ALMOST IMMY THERE IS ANOTHER LATE FEE, EVEN IF I DID NOT CANCEL MY ACCOUNT. I WOULD LIKE TO CANCEL MY ACCOUNT WITH XXXX XXXX AND HAVE THESE LATE FEES EXPUNGED.
Product: Vehicle loan or lease

I am writing to formally express my dissatisfaction and frustration regarding the recent attempts made by Mercedes Benz Financial Services to collect a debt for an auto lease that has already concluded. Despite the clear terms outlined in the lease end agreement, which explicitly states that I owe nothing upon the termination of the lease, I have received multiple notices and communications demanding payment. 

It is evident that Mercedes is knowingly disregarding the terms of the agreement and engaging in unjustified collection efforts. This not only violates the terms of our prior agreement but also constitutes harassment and undue stress on my part. 

I request an immediate cessation of all collection attempts and demand that Mercedes rectify this situation by acknowledging the terms of the lease end agreement. 

Furthermore, I reserve the right to take legal action if these demands are not promptly addressed and the unwarranted collection attempts persist.
Product: Mortgage

This complaint is a FOLLOW-UP to Complaint XXXX, regarding potential improper denial of mortgage modification by WELLS FARGO of a XXXX mortgage in XXXX, and that improper denial being subject to CFPB 's XX/XX/XXXX order of settlements to be paid by Wells Fargo. 

Complaint XXXX is the latest step seeking information and resolution from Wells Fargo since XXXX, and with new urgency since XXXX, when Wells Fargo began issuing tax documents in my mother and father 's names, and as of last week, maintained an active mortgage account in their names, with annual tax assessments reported to the IRS as recently as XXXX and XXXX, despite Wells Fargo forcibly removing our family from the property in XXXX, to avoid foreclosure and after a denied loan modification after the death of co-owner, my mother, in XXXX. Wells Fargo has owned the mortgage since XXXX, and since then continues to list the property for sale with no buyers as of XXXX. 

The complaint about prior complaint XXXX is simple : Wells Fargo communicated to ME, and address to ME, XXXX XXXX XXXX XXXX " resolution would be confirmed XX/XX/XXXX, '' in a letter received today, XX/XX/XXXX. 

ALSO today, XX/XX/XXXX, Wells Fargo communicated to you -- CFPB -- as posted to the complaint, that Wells Fargo needed " an additional 60 days '' because they are having trouble " reaching our customer, XXXX XXXX ''. 

XXXX XXXX DIED XX/XX/XXXX. Wells Fargo has asked me, XXXX XXXX, on 3 SEPARATE occasions to provide death certificates for both my parents, XXXX and XXXX. On the Wells Fargo legacy mortgage account in my late parents ' names, the contact phone number, mailing address and email address are ALL my own contact. 

I have received NO CONTACT directed to me, or my dead father, XXXX XXXX, from Wells Fargo during this time. 

They know my dad is dead. And yet, they've told you they need 60 more days because they are searching for my dead dad. 

And 10 years later, an improperly denied modification forced a grieving family off the 30 acre farm we never missed a payment on, and remains empty and for sale ever since.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me, please block and remove according to 15 USC 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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.