23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under us bank on a mortgage loan that was settled in XXXX by us banks through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through us bank to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold XXXX to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX bank or XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows XXXX or more of these charge. 

XXXX and us bank with the help from the XXXX circuit court of Florida who disregarded the facts and has foreclosed and stolen our home. I will forward XXXX of the XXXX judgment the last XXXX were removed. next please ask XXXX and us bank to submit a certified copy of the actual illegal and invalid mortgage documents they filed with the court. as it differ from the version they gave you what of the frauldant charges by attorney XXXX XXXX XXXX for mandatory mediation that we were never ordered to attend by the court and if mandatory mediation is required by law why did the court skip this step and her response to me in a email was XXXX County does not require mediation. I guest XXXX county has their own foreclosure laws I thought it was Florida law or federal law Moreover, these issues should have been raised by you to the Court prior to the entry of judgment. that would be the same court who does n't believe the facts of the case and a very clever scheme to defraud by nationstar and us bank and what of the relocation expenses for being forced out of our home with less than 45days. please forward this complaint to us bank for their response to this case now that XXXX and us bank stole our home I am formally requesting to file federal charge against all the parities and request that the dept. of justice investigate this matter and look up the court file to confirm my statements. nationstar and us bank needs to stop stalling and formally respond, now that they have completed their fraud and stole our home. I will e-mail all my documents to cfpb and the DOJ
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
Product: Debt collection

On XXXX at XXXX XXXX  I was served with summon from Arvest bank credit card. For XXXX 
On XXXX XXXX, the account was closed with statement XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aggrieved and damaged due to the fact it is well over 90 days since I have notified Transunion to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and Transunion is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX is violating my rights under 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Medical data systems has violated my consumer rights. Privacy act of 1976 and HIPAA laws. My information was obtained illegally unauthorized and without my consent. This calls for penalties starting at {$1500.00}. If this collection isnt removed from my report and damage to my credit isnt stopped I will seek litigation to the fullest extent of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. 
The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. 
You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where is the actual updated report that they sent you along with the accounting ledgers and original contracts?
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 reporting, credit repair services, or other personal consumer reports

CFPB + CBNA, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police report.
Product: Credit card

On XX/XX/year>, I, XXXX XXXX, using my cell phone made an online payment of approximately {$750.00} to my Citi credit card. The payment was supposed have been for the minimum payment amount due. Instead, a few days later, on my personal bank statement ( non-Citi ), I noticed a double charge amount, each for {$660.00}. At first, I tried to resolve the double charge via their online chat service, and the agent said that they were going to reimburse me within XXXX to 5 days. When I saw that Citi had not made any payment of the double charge, I called via telephone this time, and the Citi telephone representative first said that I " had no record of filing a dispute with them, or making a claim for the additional {$660.00} that Citi had overcharged '' me. However, he did see the double charge, and also said that they would reimburse me within 3 to 5 days. Well, it's been over five days now and still Citi has not either gave me credit on their credit service nor have they deposited the overcharge of {$660.00} to my personal bank account, This is why I have decided to write to the Consumer Finance Department, and to ask for help in solving this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding in accuracies in my credit report. Despite my submissions, Equifax consistently responds in XXXX hours stating the account is accurate without providing any evidence of a trough investigation. this practice violates the fair credit reporting act FCRA 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax 's actions may also contravene the consumer protection act FCRA 12 u.s.c 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the cfpb 's recent administrative proceeding ( file No XXXX ) against them for similar violations. I request that the cfpb take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to get a vehicle and they said they would pull from the company itself now i have several inquiries and from other im not aware of who inquired i would like to resolve this issue by removing the inquiries.
Product: Debt collection

This has showed up on my XXXX credit report in collections. I have reached out by mail several of times, and have requested that they provide me with an original contract for this debt, and they have not. I have requested from XXXX for an original contract between me and this collector or creditor, and they have provided me with nothing.i am not liable for this debt with XXXX XXXX. I do NOT have a contract with him or FABCO. I am aware of my rights as a consumer and know the laws that protect my rights under 15 USC 1692.

I demand this account be removed from my credit report.
Product: Checking or savings account

I had initiated a transfer {$1000.00} on my Wells Fargo app on XX/XX/year> from my external checking account at XXXX. Wells Fargo deducted the funds from my checking account at XXXX on XXXX XXXX XXXX. It is XX/XX/XXXX and the funds haven't been credited to my checking account. Well Fargo has basically siphoned of {$1000.00} of my funds. 

I raised my concern with Wells Fargo in the morning on XX/XX/XXXX. I was told that I need to check with XXXX about the status of the funds. I called XXXX and they told me that the funds were auto deducted from the account and the transaction has been completed at their end. Further, since it is a direct withdrawal, XXXX doesn't have the details of the account number it was applied to in XXXX. 

I called Wells Fargo for a second time and despite me telling them what XXXX told me they were unable to help. The agent put me on hold to investigate and then disconnected the line. 

After a few hours I contacted Wells Fargo again and spoke with XXXX who again was of no help even after I provided the conformation #. He then transferred me to XXXX who kept insisting that XXXX is responsible and not Wells Fargo. I explained to her the same thing again and tried to impress upon her that the transaction was initiated at Wells Fargo and Wells Fargo had autodetected the funds and XXXX has sent the funds on XX/XX/XXXX. She asked me to file a dispute with XXXX and I told her that I have already reached out to them and would appreciate it if Well Fargo tracked the funds and deposited them into my account. Eventually, I tried a XXXX call with XXXX and Wells Fargo but unfortunately XXXX disconnected the call. 

I called again and this time I was on the call with XXXX who has been of no help and kept making excuses about the bank holiday etc. In my opinion, Wells Fargo needs to rectify the problem by depositing the {$1000.00}. Further they need to reimburse me for my time and the float they have earned for the extended period they have kept my funds.
Product: Credit reporting or other personal consumer reports

Constantly lied and said they never received my FTC report after submitted it XXXX times in the CFPB PORTAL. They have violated 15 U.S. CODE 1681c-2 blocking access Deletion of these fraudulent accounts. They hung up in my face XXXX  times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! They have been noncompliance under 15 U.S.C code 1681n 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681c-2 ( a ) : Requires credit bureaus to block fraudulent information from my credit report when I provide proof of identity theft. 

Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX for damages, willingness for non-compliance. Plus XXXX other violations. They are holding these fraudulent accounts under my name after I already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL XXXX XXXX  CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT 15 U.S.C CODE 1681n suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.
Product: Credit reporting or other personal consumer reports

My identify was stolen XX/XX/year> all my information and credit cards were in my purse. I reported all XXXX XXXX and ordered new cards. Also reported to credit bureaus such as XXXX, XXXX, XXXX. I think XXXX put fraud alert on my social security which I have still not received a new copy of yet. I want file a complaint on information used. It appears I am receiving calls and email from debt collectors I didn't even apply with. Also, them using old address of mine to theft my credit. I would anything unfamiliar removed off my credit. XXXX XXXX  XXXX XXXX etc list of debt collections. Also, all old address removed off my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents regarding the late payment remarks you insisted on reporting in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding identity theft and inaccurate information on my credit reports maintained by XXXX and Equifax. The following accounts listed on my credit report are not mine and were opened fraudulently as a result of identity theft : 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 ( Equifax ) I have never applied for these accounts, and I did not authorize the opening of these accounts. As the victim of identity theft, I am requesting that these accounts be removed from my credit reports within 4 days, as required by the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

Specific Allegations : Inaccurate information on my credit reports : The accounts listed above are not mine and were opened without my consent. 
Failure to investigate and correct the error : XXXX and Equifax have failed to properly investigate and correct the error despite my repeated requests. 
Violation of FCRA : XXXX and Equifax have violated the FCRA by not removing the disputed accounts from my credit reports within 4 days as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been paid by Navient /Department of Education listed on website and my account Number says I have XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$60000.00}.
Product: Checking or savings account

I have had a checking and savings account with Citibank for almost 20 years. Have had various bill paying, direct deposit etc set up over the course of that time. In XXXX, for no reason and with no large changes in activity to occur, Citibank blocked my account for no reason and with zero notice. Since XX/XX/XXXX I have called multiple times and gotten no reasoning for why it was closed and no resolution. Have just been told it is in the process of closing and I would receive my balance ( almost {$4000.00} ) via check within 60-90 days then they tell me they can not provide any more information and they hang up on me. Ive gone into branches and they tell me the same thing. Every time I call they say they will leave a note for the back office and I will get an update but I have never ONCE received any updates. I call back again and get the exact same line, and they say they do not see any comments on the account. It has now been over 60 days and my account is still not closed, still shows blocked and now they are telling me the 60 days is at the point of account closure. Yet everyone prior confirmed it was 60 days from the exact XX/XX/XXXX date. And there has still been zero movement on my account even being closed. I have seen multiple cases on the internet with this same scenario. I just want my check for the balance, and then to be done with Citibank.
Product: Credit reporting

I have made XXXX separate request for TransUnion to delete the late payment that was reported by XXXX XXXX aka XXXX XXXX and TranUnion has continue to report the late payment. I enclosed letters and emails received from XXXX XXXX on their company letterhead validating the company 's agreement to remove the reported late, however, TransUnion continues to report this inaccuracy although they have the document proof. I have continuously requested and provided written proof to TransUnion and yet they blatantly refuse to remove the reported late which is a violation of my rights under the FCRA. I am seeking the assistance of the CFPB to investigate the issue and I have attached proof of the agreement to delete letter.
Product: Checking or savings account

On XXXX at XXXX pm I made a {$300.00} withdrawal from a XXXX ATM and before I could take the money, the ATM sucked the money back in the machine. It said on the ATM to call your financial institution, which I did immediately and the representative of from chime Bank asked if I had the receipt, and I said yes, and he said take a picture of it, and I did. He said after the transaction is final, meaning not pending I can file a dispute. On XX/XX/XXXX the transaction was final and I called chime bank and filed a dispute. The woman I spoke to was very nasty and she acted as if she lost the {$300.00}! And I was told it could take up to 45 days to get a response. I got a response to my dispute the very next day on XX/XX/XXXX denying me any refund of my {$300.00}. I called XXXX  the company that takes care of the ATMs and explained what happened, several times, and I have gotten nowhere, and no refund.
Product: Debt collection

I have attempted to contact this company in regard to this debt not being accurate. They have attempted to collect on this debt fraudulently when another debt collection agency had already had the debt. They opened this account and the debt was paid to the original debt collection agency, Hunter warfield. This company that is attempting to collect the inaccurate debt is claiming my account has been transferred to a lawyers office, and they will sue me if payment is not made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are Not contacting the company and I have inaccurate reporting. First they had a Ghost freeze on my account that No one I mean No one could see but All a sudden after years I was about to see. I need for all inaccurate reporting to be remove immediately.They are hiring Unhonest not loyal lazy employees that wait almost until 30 and say that they contacted the company and its accurate they are wrong to lie. Please investigate, send a Whistle blower etc .Can not dispute with XXXX because they have that you already disputed. This needs to stop credit reporting agencies are fraud