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

X/2016    ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE.    XXXX    and Equifax refused to freeze my credit per OREGON  LAW.
Product: Checking or savings account

Re : Account Interest Checking-  XXXX   CITIBANK promis ed a {$400.00} new account promotion for depositing {$15000.00} and maintaining a balance there for some time.     I made the deposit and continued to increase my account balance over the next 90 days . For one emergency situation, I withdrew {$40.00} or {$60.00} from a Citibank ATM, w hich had my balance dip below {$15000.00} temporarily.     However, I continued to make deposits in to my Citibank account  and maintained a balance north of {$15000.00} and north of {$20000.00} for some time.     I called the  XXXX  customer service number a few times to inquire about my bonus - first in   XXXX   XXXX   and again in   XXXX   XXXX  . Both times I was assured that I had already fulfilled the requirements and that the bonus would be credited at some time in the future.     When I inquired again about the bonus in   XXXX   XXXX  ,  Citibank then den ied me the bonus. I requested an investigation by the  Citibank Executive Response Unit and again I encountered unprofessional and deceitful  behavior by  XXXX   XXXX  and  XXXX   XXXX , who sit in  XXXX   XXXX , Texas.      XXXX   XXXX  stated that they received all account records and calls and said no one ever said that I earned the bonus. I immediately told her that this was false, because I was told on a few occasions by customer service representatives that I had earned the bonus.      XXXX   XXXX  then stated that I spoke on the phone with  XXXX   XXXX  about the results, which again was false. And  XXXX   XXXX  that  XXXX   XXXX  mailed the results, which again  is FALSE.      I am now in process of closing the account, but I am still insisting that  Citibank  abides by the promise, sinc e Citibank told me t wice that I had, in fact, earned the bonus.
Product: Credit reporting or other personal consumer reports

I've disputed accounts from my XXXX and Equifax credit reports. Several accounts have been removed and has reappeared on my credit reports. I am not able to file any disputes with transunion nor am I able to access my transunion credit report which is a violation. My disputes were improperly investigated and not verified. I am requesting the following accounts be removed from all three credit reports again as this has impacted my credit score tremendously and are a violation of 15 USC 1681i ( a ) 30 day response time, 15 USC 1681i ( a ) 6 ( B ) 3 investigation protocols, and 15 USC 1681i ( a ) ( 5 ) B reinsertion protocols. 
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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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/year>
Product: Mortgage

To whom it may concern, I am filing a complaint on the fact that I can't get an answer from the mortgage company why I have to start my year escrow with {$1200.00} I've gone through my contracts I've gone through everything I sign for the modification there is nothing listed anywhere that indicates or states that I have to start my escrow which starts in XXXX with {$1200.00} I was told that I had to have a cushion which was {$610.00} but what I have to start my new year is {$1200.00} can someone explain this to me because they're not explaining it to me so this is not a duplicated complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. 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 re-investigation. 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. I am requesting a reinvestigation AND your Method of Verification. 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 of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Re : Complaint of Breach of Contract XXXX XXXX v. Ally Auto Dear CFPB Please allow this letter to serve as complaint of breach of contract and continued discrimination by Ally Auto. In XX/XX/XXXX XXXX XXXX and Ally Auto entered into a contract for payment. 

The contract is the result of a conflict that emerged in XX/XX/XXXX where Ally Auto admits they misspoke concerning an alleged amount owed by XXXX XXXX on a XXXX XXXX XXXX automobile. 

Ally Auto partially corrected the billing history problem but failed to fully correct the issue and take responsibility for the financial damages it caused during months of disputes, confusion and the early reporting of negative information to XXXX XXXX credit file which they eventually removed. 


In attempts to avoid litigation in XX/XX/XXXX Mr. XXXX and Ally Auto Senior Manager XXXX agreed to a financial contract. 

The contract stipulates Mr. XXXX 's Ally Auto account will be brought current provided a payment was made at the time of agreement. 

The initial requested payment was made as agreed. 

The contract agreement also stipulates delinquent payment history for the month of XXXX and XXXX will be removed as owed amounts would be placed on the back end of the loan provided Mr. XXXX is not delinquent going forward. 

Phone transcripts records will reflect Ally Auto representative XXXX repeatedly confirmed the derogatory payment information would be removed from credit bureaus as part of the agreement. 

Ally Auto removed the derogatory payment history from Mr. XXXX 's credit files. 
Ally Auto without explanation replaced the derogatory information causing damages again to Mr. XXXX 's credit rating. 


Please note Mr. XXXX is current with no late payment since the execution of the contract with Ally Auto in XX/XX/XXXX. 


In an attempt to resolve this matter Mr. XXXX disputed the information with the credit bureaus and Ally Auto did not agree to remove it. This is a discriminatory breach of contract and predatory as Ally Auto purposely is damaging Mr. XXXX 's credit in hopes of preventing refinance options elsewhere. 


On XX/XX/XXXX Mr. XXXX spoke with an Ally Auto representative going by the name XXXX who stated Mr. XXXX was not eligible for a copy of the contract although the Sen. Manager XXXX never mailed Mr. XXXX a copy of the original contract as agreed. Mr. XXXX has kept accurate well documented transcripts of all calls and conversations for transparency and integrity. 


The Confirmation number of the contract in question is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. After this investigation was completed, I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification/validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Mortgage

Me, my son XXXX and daughter in XXXX XXXX XXXX just purchased a property that was serviced by M & T bank, that had an assumable FHA mortgage attached to it. The loan number is and was XXXX. 

The facts surrounding this process were unremarkable, up until just before closing. M & T approved our assumption, and XXXX of the lender 's conditions were that the buyer ( XXXX ) were to pay the XXXX payment for a closing date of of XX/XX/2023. 

It is well settled and understood that mortgage payments are made in arrears, which means that M & T 's requirement that WE pay XXXX 's payment ( which is XXXX 's interest ) is wrong on three fronts : XXXX ) It interfered and changed the contractual agreement between the buyer and seller, which did not provide for the buyer to pay the seller 's interest payment for the month, which in tort is an interference in contractual relations. 
XXXX ) Violated well established nationwide practice by all closing agents, mortgage companies, and industry professionals, 3 ) Violated FHA rules as it relates to assumptions. According to the XXXX, FHA forbids a mortgage company to charge the buyer on an assumption any more than {$900.00}. M & T 's requirement as a condition of closing that we pay the XXXX XXXX payment violates this rule in addition to the above mentioned transgressions. 

It is therefore requested that M & T either refund us the XXXX, or apply it as a credit for our XX/XX/2023 mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently turned XXXX and tried to sign up and find my credit report. Although this has not been very easy. My identity can not be verified by any credit report sight available. I went up to my social security office and I was told to contact the credit site over the phone. None of the calls I made ever made it to a representative instead they were all automated and got me nowhere. I am upset because this has been an ongoing issue since I first got a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me.

I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX AND EXPERIAN AND XXXX, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from XXXX and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( EXPERIAN, XXXX, XXXX ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )
Product: Student loan

Reported : XXXX/XXXX/XXXX XXXX : {$2300.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry on my equifax credit report. I recently retrieved my credit report and it showed a credit inquiry that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiry and asking for their removal from my credit report. 
XXXX XX/XX/year> Please have these unapproved inquiry removed from my credit report within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

FCRA XXXX, I think, says we must delete any wrong accounts from my credit report. Can you check the documents? Some accounts listed have wrong amounts and dates in their reports.
Product: Payday loan, title loan, or personal loan

To whom it may concern : The broker XXXX XXXX, president of Olympia Title & Escrow Corporation, handled the closing for my house ( I was the seller ). XXXX XXXX scheduled the closing for XX/XX/2017. Since I was not going to be able to attend, XXXX XXXX asked me to go to his office to have the documents notarized by XXXX XXXX, the day before the closing. His office is located on the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number XXXX, e-mail : XXXX. Enclosed you will find the Closing Disclosure, on line 12 for Due from Seller at Closing, theres a utility escrow for {$300.00}. XXXX XXXX explained that once they verified that the accounts for the utilities in my house were not deliquent, they would send me a check for {$300.00}. 

Two months have passed since the closing. I sent several e-mails to XXXX XXXX trying to find out the status of the refund of that Utility Escrow, yet I haven't received an answer. 
I would really appreciate your help on the resolution of this issue.
Product: Checking or savings account

An unauthorized transaction ( check ) was completed on XX/XX/21 for {$1400.00} from my Citizens Bank Checking account. I reported transaction by phone and in person on XX/XX/21. 

They can not or wont provide a copy of the check. I have met with them and called them multiple times to try to have resolved. 

Citizens Bank is now stating that the hold up is with XXXX XXXX not reversing the charge yet. XXXX XXXX tells them that the delay is because they are very backed up. Citizens Bank has offered a provisional deposit but I have since closed my accounts with them.
Product: Vehicle loan or lease

i made my XX/XX/2019 payment onXX/XX/2019 at there branch and the check for XXXX which included an extra {$110.00} as my payment is {$380.00} said check cleared my bank the same day.today i received a call tell me i had not made my payment and that it was 2 weeks past due please note my payment is due on the XXXX even if i had not made the payment it would not have been two weeks late today. when i explained that to the very rude PNC rep that called me she then got even nastier and said if i wanted it fixed i would have to hold for 30 or more minutes. i told her to go to XXXX and demanded that she put her supervisor on the phone as they were wasting my time with there mistakes. she refused to do so. this is the 4th time that PNC bank has messed up my paments. I am always very clear when i make my payment and request that any and all over payments be applied to the outstanding balance on my load. I have an XXXX credit score and a perfect beacon score so there are really stressing me out with all of these errors on a simple car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company wont let me login XXXX XXXX equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Product: Consumer Loan

I was involved in an auto accident last year and unfortunately my insurance refused to pay for the damages. Last month I got a call from Wilbur and associates who informed me I owed a debt due to the damages that took place during the accident. The representative I spoke with scared me and told me my Drivers license would be suspended if I did n't pay the bill. I informed her that my boyfriend and I are barely making ends meet, and it would be impossible to pay he debt off. The person I was speaking to informed me again if it was n't paid she would in turn have my Drivers License suspended. She told me in order to avoid that I would need to pay {$900.00} plus per month. Although I agreed to the payment, I in turn knew there was no way my family and I can afford to pay that per month. I was scared, and did n't know what to do and I was intimidated in setting up the payment arrangement in order to avoid my Drivers License from being suspended. I then called a friend to help me and told him I could pay {$200.00} a month at the very most. I also learned that a judgment had to be obtained before my driver 's license could be suspended in the state of Colorado, but they told me it would be suspended by the end of the month. I 'm really confused on what to do. We 're willing to make payments, and they informed us that they would take them, but it would n't stop them from suspending my driver 's license. I also had a friend to help me, and he agreed to call in and speak on my behalf. He called them, and they informed him the same thing. The rep also told him to tell me to open a Credit Card to pay the debt. There 's no way I can do that. I ca n't go into more debt, just to pay another debt. The company refuses to work out a reasonable payment plan and I feel there 's nothing we can do. I feel we 're being taken advantage of and this has caused emotional stress that 's unbearable. We do n't know what to do. If we ca n't drive we ca n't get to work, buy food for our family, and live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter from XXXX XXXX stating my account is current.