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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Two AMEX Credit Cards were opened in my name and need to be deemed as fraud. I did not authorize or file any applications. 

On XX/XX/XXXX I received welcome series email from AMEX noting approval of account for new card. Notates account number ending in # XXXX. 

Received verification Your Mobile Messaging Number Needs to be Verified email on XX/XX/XXXX. 

Proceeded to get emails that card was out for delivery on XX/XX/XXXX. 

Then on XX/XX/XXXX I received another email noting I was approved to another card. Notates account number # XXXX. 

Proceeding to receive emails regarding delivery and sending out New cards. 

They were all sent to my old address which I lived 5 years ago or so. XXXX XXXX XXXX XXXX XXXX CA  XXXX. 

I have since lived at two other residences.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX  Balance : {$4700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX Soc Sec # XXXX. 

The account is with XXXX XXXX Auto Loan account # XXXX amount {$17000.00} with the monthly payment amount of {$350.00}. This account belong to my XXXX sister. I co -signed for my XXXX sister to get a car previously with XXXX XXXX XXXX that car was totaled lose, and that loan was paid off. 

My sister went back to get new car form that same dealer ship ... that financed that car with XXXX XXXX ( this below info ) I did NOT sign any documentation for the new car my XXXX  sister obtained the above loan on her own. 
I have asked XXXX XXXX to remove this account from my credit report, to date it has not been done.
Product: Credit card or prepaid card

I made a lot of atm withdrawals and ordered food from XXXX XXXX  and the atm never dispensed any money or XXXX XXXX  delivered my food and I was charged for the food and atm withdrawals totaling XXXX
Product: Credit reporting or other personal consumer reports

You inaccurate information on my credit report thats not me
Product: Mortgage

In XXXX of XXXX I prepaid the principal balance of my mortgage by {$200000.00} bringing the remaining principal balance down to about 54 % of the original value of my home. I was unaware of the fact that I had to then ask my mortgage company to discontinue my PMI in writing. I has not focused on the fact that once the mortgage balance fell below 80 % I should have requested the removal of PMI in writing at that point. Afterwards, in XXXX of XXXX, I made a written demand upon my mortgage company ( via its servicer ) that I get a refund of approximately {$1400.00} of PMI paid after my loan went below 78 %. Their response indicated that the 78 % Rule is only effective and PMI automatically terminates " on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' Thus they have refused any refund of the excess amount. 

This " scheduled '' language provides a windfall for the PMI issuer in that they continue to get insurance premiums even after a loan falls below the 78 % milestone - and they have no exposure. This is unjust and when a loan is paid down below the 78 %, the PMI should stop at that point and not at some future " scheduled '' date. This Rule or law should be changed to prevent this from happening to unsuspecting borrowers! As a consumer, I ask that the CFPB make an inquiry on my issue and get this unconscionable Rule or law changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. Discover Student Loans took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.
Product: Debt collection

XXXX at XXXX XXXX keeps attempting to collect a debt from me when I never signed a lease for their property. I was listed on someone's application but never proceeded with the lease yet I'm being charged as a joint lease account.
Product: Bank account or service

I was a wells Fargo customer for several years but my free checking account was never used, a teller pursuaded me to open one to save check cashing fees. One day after several months of no activity w/ my account I went inside to deposit a {$1000.00} check, I was told there was a problem w/ my account & was directed to an account manager, this guy was a complete XXXX, before anything was explained to me he was treating me like a comin thug very disrespectful, I started losing my patience with this XXXX then he blurted out loudly that my account is frozen due to being overdrawn, he said I will get a letter in the mail. So I left for home, checked the mail and to my surprise their was a letter from Wells Fargo that had a copy of XXXX checks each made for {$450.00} totaling {$900.00}, the name on the check was a XXXX from Alabama, the signature on the back looked like a woman signed it trying to cash them. What happened is some XXXX at Wells Fargo used my account XXXX to cash this XXXX from Alabama checks and my name is XXXX from XXXX Florida and my account number is nowhere close to this other guy, I have no clue how this could happen because I had no money in my account so how can they use it to cash somebody else 's checks? I have been up against a wall with these XXXX, I 've opened at least 5 fraud cases with Wells Fargo fraud department that always ends with " sorry we ca n't help you because it 's not your name on the checks '' they know this but it 's fine to use my bank account to cash this guys checks!! I ca n't even file a police report because the cops need more information. Wells Fargo has completely stone walled me, my name has been added to the fraud warning site, I ca n't open any bank accounts, it has damaged my reputation and has caused me much grief. This is a perfect example of why banks should never be to big look at how they treat people and GET AWAY WITH IT!!! I am beyond furious how incompetence runs rampant through wells fargo they should have to go through what they 've put me through, see if they act like it 's no big deal when it 's happeneing to them!!
Product: Debt collection

I am writing to dispute the inaccurate reporting of late accounts on my credit report. Upon contacting the bank, they confirmed a system glitch and errors in their files. They assured me of a positive update to my report, indicating the account has never been late. XXXX has already updated its report and removed this account. 
Account Name and Number : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

4 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

6 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

7 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

8 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven year reporting period. XXXX has removed these accounts ; however, XXXX and Equifax have not removed the accounts as I requested in a written dispute over 30 days ago. The two accounts are the following : XXXX XXXX- past the seven year reporting period based on the date of first delinquency for a charged off account.

XXXX  - past the seven year reporting period based on the date of first delinquency for a charged off account.
Product: Debt collection

I received several calls on XXXX to my cell phone from a company called Boone and Associates claiming to be a debt collector for a debt that my husband allegedly owed. After talking to my husband, I realized that the debt was not actually due. However the company continued to call with claims that it would result in " further processing without ( his ) knowledge '' and they would garnish his wages if he did not make payment within two days of the call.

( 1 ) The debt was not his ( 2 ) It is illegal to garnish wages for the kind of debt they mentioned in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX5 Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX
Product: Mortgage

Associated bank has not been managing my escrow account in professional manner. There has been issues with property taxes not being delivered as I asked, as well as issues with home insurance payments being distributed in a timely manner resulting in policy cancellations and lapse in coverage. They were informed of policy changes not only by myself but the insurance companies as well, as they are listed on each policy as the mortgage lender. I recently reached out to them again to fix yet another issue with the insurance policy. The insurance company did not receive a payment for insurance until XX/XX/XXXX, because I had to once again reach out to the bank after several attempts by myself and the insurance company. Due to the delivery of the insurance premium not being delivered they decided to cancel the policy and not reinstate it. I brought this to the attention of staff at Associated bank and they are now trying to force insurance on my mortgage as this policy being cancelled is due to their lack in making this payment. I do not feel I should have to pay a forced insurance fee due to them not delivering payment and policy being cancelled. I had coverage and they are the reason it was cancelled. They were informed of switch in XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX.
Product: Debt collection

Bull City financial harassed me with calls for months from XX/XX/XXXX to end of XX/XX/XXXX. On XX/XX/XXXX they harassed me again so I agreed to pay my debt on the spot so long as they would take the credit ding off of my credit and close the account. The representative promised if I paid she would close the two accounts with negative dings on my credit, so I paid over {$800.00} on the spot on XX/XX/XXXX. Credit ding is still there. Repeated attempts to call Bull city financial and no one will answer the phone because they know I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Our mortgage lender recently pulled our credit report ( XX/XX/XXXX ) and almost immediately upon pulling our report I started to receive unsolicited calls and texts from other mortgage brokers. The credit reporting agencies released my information to third party companies. The calls were never ending and clogged up my phone to the point I had to block all calls except those on my contact list. On XX/XX/XXXX I started receiving new unsolicited calls at XXXX until XXXX. I received XXXX unsolicited calls throughout that XXXX day! Ive included screenshots of all the calls I received today ( XX/XX/XXXX ). Why are the credit reporting companies allowed to sell my information without my permission? Its wastes my time which is lost productive hours I could be using to make more income.
Product: Credit reporting

I requested and received a copy of my NCTUE Exchange Service Center consumer report. I received it in the mail today. Within the report under section XXXX " Unpaid Closed Accounts '' there is a paragraph that states, " These accounts are reported as unpaid closed accounts and may remain on your report for 24 months. '' 24 MONTHS! The federal and state law says 7 YEARS! 

I contacted NCTUE to remove XXXX accounts listed beyond the 2 years and was informed that federal and state law allows for reporting for up to 7 YEARS. 

The information printed on the NCTUE report that I received in the mail is deceiving to consumers as it states clearly 2 YEARS.
Product: Debt collection

Around XXXX and XX/XX/XXXX, residents at the XXXX XXXX XXXX were reporting a foul sewer-like smell that was illuminating the hallways. At first, the smell was not that strong, but it soon turned into a strong foul order that could be smelled on every floor of the apartment complex. The XXXX XXXX XXXX failed to address this issue in the beginning until the smell became so omnipresent within the apartment complex. When it got to this point, the leasing office inputted massive air filtration devices around the whole apartment complex and sent mass emails that they were finally investigating this issue. However, they never once informed residents what was the source of the sewer-like smell through email correspondence. 

Being a resident at this time, I communicated my concerns with the leasing office about the smell and informed them that I would not be paying rent due to the uninhabitable conditions. Throughout my communications with the leasing office in demanding payment or a vacate, I came to learn that the sewer-like smell derived from failed p-traps. This being the case, XXXX XXXX XXXX residents were indeed smelling sewer gases ; and the apartment complex should have been considered uninhabitable. This sewer gas issue is a violation of the leasing agreement ( clauses XXXX, etc ). 

Despite this, XXXX XXXX XXXX demanded rent and threatened eviction. I simply vacated the apartment since my lease was already ending but I did not pay for the months that residents experienced this issue. I have the right to withhold due to them not addressing the smell issue and I also have the right to vacate based on California Civil Code Section 1942. This amount should have been dismissed. 

After vacating, I received an email from the Resident Advocate a day later. Resident Advocate portrayed themselves as a debt collector for XXXX XXXX XXXX and demanded payment for the two months. I immediately emailed a dispute but never heard back. 

Due to the illegal behavior of XXXX XXXX XXXX, as well as the lack of correspondence or validation from the debt collector, I am asking for the CFPB to investigate this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to make a payment to my Citibank credit card company for {$500.00} dollars. I accidentally selected an account from XXXX XXXX XXXX that I had to close for fraudulent activity on XXXX 's part. 

That was my mistake. I updated the banking information and processed another payment, and requested that the closed account be removed. The customer service person told me that they would remove the closed account. 

I logged in XX/XX/2019 to make an additional payment. I attempted to make a payment for {$900.00}. I specifically selected the correct account, since the wrong account had not been removed from my portal. Citi 's website re-selected the correct account, and when I noticed the next day, I called them to fix the issue. 

They told me I could go on line to make another payment, and that they would not be able to stop or correct the payment that was made. I again logged in to their website, and made 100 % sure the correct bank account information was selected. This was on XX/XX/XXXX. 

Again, Citi drafted payment from the incorrect account. 

Today, XX/XX/XXXX, I got a notice that my account was suspended for returned payments. I reminded them that I had called on several occasion regarding this same issue, but that their agents refused to help with the situation. 


Interestingly, I am still barred by Citi from removing the offending bank account. They continue to add more fees and more charges, and refuse to allow me to use the card.