23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, I am a Citi Bank customer and my account information was leaked somehow. I constantly received suspicious calls since XXXX. On XX/XX/XXXX, an imposter claimed to be from the bank and tricked me into sending them cash through XXXX. The imposter initiated a series of unauthorized charges to my account before the call and already knew my account information when he spoke to me on the phone ( I did not share my account access information ). He managed to fake a XXXX account with my name and instructed me to send around {$5000.00} to the account for the sake of security. Later I report the whole case to Citibank and the bank reversed some of the fraudulent transactions but refused to help me with the XXXX scam. I filed multiple cases with the bank for the scam, trying to get a refund but they just turned me down with no explanations. Police reports naturally couldn't help much either. 
As an international student who already lived frugally, I can not possibly afford such a huge loss and it was so devastating. I believe that Regulation E, part of the federal Electronic Fund Transfer Act requires banks to refund consumers for fraudulent transactions on their accounts. Please help me if you could and let me know if there is any action I can take to persuade the bank. Sorry for sounding desperate but I truly am.

Thank you and all the best.
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 OF XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX CARD : XXXX, XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX account number 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

These are multiple inquiries that all appeared on the same day. I do not have any open accounts connected to any of these companies.
Product: Mortgage

I have a VA Loan serviced by The Money Source. I have had the loan for 2 1/2 years with my first payment of {$1700.00} beginning XX/XX/XXXX. It was actually a little less, but I rounded it up to {$1700.00} for my XXXX XXXX. It went fine until XX/XX/XXXX where I was told I had a shortage to pay or my mortgage would go up. I paid {$1200.00} on that date and thought all was well. I mailed in my normal {$1700.00} on XX/XX/XXXX but got a notification that I was XXXX short as my mortgage had gone up. I complained but started to make my new payments of {$1700.00} starting XX/XX/XXXX. This went along fine until this past XX/XX/XXXX when I was told there is another shortage. XX/XX/XXXX I paid more than the shortage to an even {$1000.00}. Thinking all was fine I kept making my $ XXXX   monthly payments. Then I happened to read my XX/XX/XXXX statement where the new payment is now {$1800.00}. I have called TMS several times to complain but have not gotten any satisfaction. Someone did finally call back but said that even with my paying the shortages, my new payment will still go up. I said that did not make any sense. I should have been offered the opportunity to pay the complete shortage to keep my mortgage the same. He then said if I mail in the same {$1700.00}, I will be in default/late, even though the VA loan is only {$1100.00}. The rest is for the impound account for tax and insurance. I then told him to send me a bill, another shortage statement to bring my payments back to what the have been and he said he could not do that. This is not Customer Service.
Product: Credit reporting or other personal consumer reports

Several hard inquiries that are old and that I have never signed up for please remove these hard inquiries on my XXXX XXXX.
Product: Credit reporting

I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the CB to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX payments were posted to my XXXX account in error. I had forgotten the autopay on my account and erroneously made an extra payment. 

XXXX ultimately processed both payments on my account on XX/XX/XXXX and XX/XX/XXXX ( autopay ). The XXXX payment resulted in an NSF due to the XXXX payment having already posted. 

I proceeded to call XXXX ( on or about XX/XX/XXXX ) to request a refund of the SECOND payment made on XX/XX/XXXX since the XX/XX/XXXX payment already posted to my XXXX XXXX account. The agent assured me that the SECOND payment made on XX/XX/XXXX via autopay would be CANCELLED. Ultimately without my knowledge, the agent reversed the XX/XX/XXXX payment and cancelled the autopayment as well, which was not what I asked her to do. 

I never received any notification via text, email, or letter that there was no XXXX payment posted. On my end, I received XXXX refunded payment, as expected and requested. I was under the impression that the auto payment was refunded. On my XXXX account, it showed as if XXXX payment had posted to my mortgage. 

On XX/XX/XXXX I received notification that my credit report had a 30 day late mortgage payment from XXXX for the month of XXXX. I immediately called and spoke to an agent, XXXX, who reviewed the notes and confirmed that the prior agent actually CANCELLED/REVERSED the first XXXX payment on XX/XX/XXXX AND also cancelled the autopayment on XX/XX/XXXX. This SERVICING ERROR RESULTED IN NO PAYMENTS FOR THE MONTH of XXXX which was never my intention. As you can see via my XXXX XXXXXXXX statement, XXXXXXXX XXXX mortgage payments posted with only XXXX reversal. It was my understanding that the XXXX reversal was for the autopay payment made on XX/XX/XXXX and that my payment made on XX/XX/XXXX posted to the loan and my monthly payment was satisfied. Upon being made aware of the agent 's error, I immediately paid another mortgage payment on XX/XX/XXXX to satisfy XXXX and bring my account current. 

I then submitted a credit dispute from with XXXX on XXXX at the direction of the agent I spoke to. I did not receive a notification that it was received so I sent another dispute from on XX/XX/XXXX. I called into XXXX on XX/XX/XXXX to obtain resolution. The agent proceeds to tell me that the XXXX dispute was received and denied. Stating that all payments posted correctly and there was nothing XXXX could do. I am appalled at the blatant poor customer service and inefficient staff at XXXX. I have never missed any payments on this mortgage. The agent 's error and lack of notification by XXXX resulted in no payments posting. That is not my error. That was never my intention. I never requested a stop pay on any payments. I clearly asked for auto pay to be cancelled. That was my only request since my XX/XX/XXXX payment had posted/cleared. 

Please correct this issue and update my credit report.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had a fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I have a residential mortgage with Freedom Mortgage for about 7 years. They collect XXXX per month towards escrow. My taxes and insurance come to XXXX per year. This should leave a surplus of XXXX per year yet every year I get a shortage letter and they can not tell me where my money is going. This is the first time I have stopped to research it and I am mad. I realize there should be a 20 % cushion but XXXX plus they want XXXX more as a shortage amount is absurd. I need someone that can get them to be accountable for every dime I gave them towards escrow as they will not communicate with me.
Product: Credit reporting or other personal consumer reports

On my experian credit report theirs a negative item that's fraud its a collection agency account call collection it has a balance of XXXX XXXX dollars I have a federal trade commission identity theft report on file that account supposed to be removed
Product: Debt collection

This collection agency has entered a negative account on my credit report with all three bureaus. The address listed on my credit report for this agency does not match the licensing information on file with The Florida XXXX XXXX XXXX XXXX. This agency is in violation of Florida Statute 559.547 which states " 559.547 Void registration. ( 1 ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' As such, their authority to collect in Florida is void, and this agency is illegally pursuing collection activity
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 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 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, credit repair services, or other personal consumer reports

I have disputed thru XXXX and XXXX that the accounts where not mine and requested proof of the debt. The addresses that the debtor has have never been my address. They have never been able to send me anything that is mine or proof that the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days!
Product: Credit reporting or other personal consumer reports

I have received and reviewed my updated credit report today and Im stunned to see that the same disputed accounts to which I considered to be incorrect and suspicious, due to their inaccurate details, were still up and showing on my files. Ive been trying my best to reach out from the credit bureaus ' office to have it corrected and be effectively removed from my credit history, but all of my efforts were left unresolved. These errors youve kept on furnishing will definitely hamper my credit ratings and destroy my reputation as a consumer. 

I have asked for the reinvestigation of these accounts in my previous letter but I never even received a response coming their side to update me of the result. This time, I will continuously urge them to remove these misleading accounts from my credit report : 1. Creditor : XXXX Account # : XXXX 2. Creditor : XXXX XXXX  Account # : XXXX 3. Creditor : XXXX XXXX XXXX Account # : XXXX 4. Creditor : XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting

I have been trying to dispute this judgement with Equifax several times. Equifax is closing these disputes with out making the proper investigation. This public record does not belong to me. This belong to my father XXXX XXXX XXXX. Please communicate with XXXX XXXX XXXX XXXX at XXXX to verify information as date of birth and social security.
Product: Money transfer, virtual currency, or money service

A money transfer was supposed to occ ur 2 weeks ago and BOA has  provided no help in completing this transaction. Routing numbers are unavailable and impossible to obtain and no one from the bank ever responds or tries to help correct the problem. This is unprofessional for a bank to not help with transactions or facilitate money transfers into accounts.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists. 


Experian : These inquiries on my credit profile is an identity theft error and need to be removed from my credit profile immediately. 

XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX The collection accounts below don't belong to me. Please remove the erroneous accounts from the credit profile : XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Account charged off/Never late. {$2.00} written off. 
XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$530.00} written off. 

XXXX XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$200.00} Status Account charged off. {$200.00} written off. {$220.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$930.00} Status Collection account. {$9.00}
Product: Credit reporting or other personal consumer reports

Equifax has violated FCRA and has been incorrectly reporting information on my credit report. I have disputed this information multiple times and each time Equifax has improperly investigated my claim. I have attempted to call Equifax multiple times and their system does not allow you to speak with an individual. This in and of itself is a violation of FCRA. You can't report incorrect information and then not provided access to your agents to those you are impacting. For XXXX years, Equifax has reported a charged-off account as past due each month. It was reporting the same account as both charged-off and past due at the same time. Once an account is charged-off the debt is written off by the creditor and there is no longer a past due amount. The account is simply charged-off. You can't have two account status simultaneously.
Product: Credit reporting 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. 
Account name : Money XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
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. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : 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 XXXX 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. 
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 XXXX 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: Consumer Loan

I have had a title loan with title ax for 3+years, during this time I have paid interest charges, paid down principle, increase my loan, and paid several late fees. The issue is when I requested an increase in loan amount they did not ask what my income was although they knew I was on XXXX. They provided me an additional XXXX. Dollars. After this when I returned in I believe they ask that I sign some old documents from months before stating I received disclosures. I have been asked each time since to sign the same statement but have never received any disclosures. I now am past due and when speaking with manager he offers only half off the late fee, I have paid this company well over XXXX times the value of the car, I understand the need to repay but I need title max to understand my income and ability to repay
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.