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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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: Debt collection

As a XXXX person in Texas, the least interaction with governments we can get by the better, as reports have it that we latinos are targeted unfairly for our hidden taxes disguised as fines for myriad reasons. 

A case in point is a collection agency targeting and harrassing my family with no end. Said municipal collection agency has received responses for me to stop sending collection notices as the charges relate to someone else. No matter! The collection charges have kept coming and every time they put stress on my family and create undue anxieties. Escalating this issue, we have contacted the City of XXXX which is the source of the alledged fines. The City of XXXX reportedly took care of it, but the charges just keep arriving in my family mailbox. 

We have exhausted every recourse we have, but our over-one-year efforts have been fruitless. 

Please CFPB, you are the last recourse we have in fighting the onslaught of phony charges that minorities are exposed to, and have no recourse to remediate at the local level. Thanks.
Product: Checking or savings account

`CITIBANK CHECKING ACCOUNT : XXXX ( CARD XXXX ) ( XXXX ). 

mY SOCIAL SECURITY CHECK WAS DIRECT DEPOSITED IN XXXX TO THIS CHECKING ( APPROX XX/XX/XXXX ), THEN CITIBANK FROZE ACCOUNT LATER THAT DAY. i CAN NOT SEE THIS ANYMORE NOR CAN i GET A STRAIGHT ANSWER ALL THESE MONTHS OF CALLS. 
FIRST, IT WAS THAT SOON AS IT IS CLOSED THEY WILL MAIL CHECK XXXX, THE REMAINDER IN THE ACCOUNT. iT WAS CONFIRMED THAT I WOULD RECEIVE SAID CHECK BY XX/XX/XXXX. 
THEN I CALLED A WEEK LATER, AND NO ONE COULD SAY WHAT HAPPENED. IT WAS BEING HANDLED INTERNALLY BUT I WAS BOUNCED AROUND TIL IT DISCONNECTED. 
THIS HAS GONE ON TO THE PRESENT DAY. 
FIRST, IN XXXX, I WAS TOLD THE CHECK WAS MAILED BACK TO SOCIAL SECURITY. THIS WENT ON AND ON, I CALLED SSI SEVERAL TIMES. 
ONE OR TWO PEOPLE CONFIRMED A CHECK WAS MAILED TO ME BY THEM AROUND XX/XX/XXXX OR XXXX. I WAITED NAD WAITED. 
FINALLY, I CALLED AND THEY SAID IT COULD BE POSTOFFICE SINCE THEY ARE MINIMALLY STAFFED. 
FINALLY I CALLED THIS WEEK ON WED, XX/XX/XXXX AND THE XXXXTECH SUPP0RT ' INSISTED NO CHECK WAS FORTH COMING. I WAS ALWAYS TOLD THERE WAS NO CHECK INCOMING BUT THEY HAD SENT IT OUT ANYWAY ) NOW THEY INSISTED NO CHECK EVER WAS MAILED AND NO MONEY EVER CAME IN. 
NOW I HAVE TALKED TO CITIBANK SEVERAL TIMES THAT DAY AS WELL. FIRST I WAS TOLD THEY SENT IT TO UNEMPLOYMENT. THEY GAVE A NUMBER TO CALL XXXX. THAT IS A LABYRINTH THAT WOULD NOT ANSWER. CALLED CITIBANK AGAIN AND THEY SAID IT WENT TO GOVERNMENT AGENCY AND THEY CAN NOT TELL ME MORE. 
I AM REDUCED TO 2 MONTHS ARREARS ON RENT, FORCED INTO BANKRUPTCY AND AM AT THE END NOW. SOON THERE WILL BE EVICTION NOTICES AND I AM XXXX WITH XXXX  AND XXXX CONDITION. I AM BEYOND HOPE ANYMORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I locked my credit using Equifax Lock and Alert last year after I was alerted that my email address and phone number were compromised. To do this I had to provide my SSN, address, phone number, etc. I did not have to provide any documentation. On Saturday XX/XX/2020, XX/XX/2020, and XX/XX/2020 I logged into my account ( XXXX XXXX XXXX ) and when I slid the lock over to unlock my credit I received an error code XXXX  and was directed to call XXXX with that code. On XX/XX/2020 I spoke to five representatives, including a manager, who told me I would have to mail a copy of my SS card with a cover letter including my full name, SSN, email, and phone number and 5-7 business days after that they would respond. I can not do this because a ) I don't want to send that in the mail to be lost or stolen, and b ) I don't have a copy machine in my home and won't potentially expose myself to a deadly virus to send documents I feel they have no right to ask for. And I'm sure no office supply stores or XXXX 's or libraries are open during this pandemic. Meanwhile, mortgage rates could go up and cost me thousands of dollars. Again, they did not ask for any verification documents when I signed up and locked my credit. They advertise a service to easily lock and unlock credit just by swiping the lock. Instead, they have basically hijacked my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the update or deletion of the following inaccurate items. Thank you. 
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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY I CHECKED MY CREDIT REPORT AND I NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, PLEASE CAN YOU REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY REPORT, BECAUSE THEY ARE AFFECTING AND HARMING MY ABILITY TO GET CREDIT NOW.
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 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 Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$4800.00}
Product: Mortgage

This account should be in my exhusband name only. During our divorce the final court orders stated that he could keep the home, property or furniture inside the home. But he would be responsible for making the mortgage payment, pay taxes, and other fees for the upkeep of the home. Legal documents were signed to remove my name from this account and the deed. I contacted JPCB Morgan Bank and they had sent him an assimilation packet to have my name removed. He did not mail it back. They stated they would send him another packet, so far nothing. I reached out to my exhusband about the matter, he stated he would fix it, but yet nothing has been done. I have reported this also to the XXXX XXXX XXXX. I will also be filing contempt charges against the exhusband for not taking care of this matter, as well as letting the Judge know that no one is complying with her court orders. Apparently my name was removed from the deed but not the mortgage as the courts ordered. I am trying to purchase my own home and this is preventing me to do so.
Product: Credit reporting or other personal consumer reports

To EXPERIAN, XXXX, & XXXX : Your company is in violation of the law under : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. The law CLEARY STATES " BLOCK '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Nowhere in this law does is state that I have to provide you with a police report. This is clearly a stall tactic and goes against my human rights. 
DELETE the above inquiries from my consumer report, this agency is in violation of 15 U.S. Code 1681c2 Failure to respond satisfactorily with deletion of the above referenced inquiries and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of identity fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. Code 1681n ]
Product: Debt collection

Dear Equifax, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
Product: Debt collection

I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple written requests for correction, dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, Experian has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries. 
TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Experian continues to report inaccuracies. 
Experian Reporting History : Late Payments Recorded : 30-day late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Experian - 30 days : 2 occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have updated information for the complaint with MANUFACTURERS TRADERS & TRUST COMPANY doing business as M & T BANK. I received correspondence threatening to seize my property using language coercing me to pay a debt I do not owe. Under the consumer credit protection laws of the Truth In Lending Act 15 USC 1635 I have the right to rescind any consumer credit transaction and pursuant to 15 USC 1641 ( c ) I have the right to rescind against any assignee of the obligation. M & T BANK received my rescission on XXXX however has refused to comply with the law and has made false statements stating that I do qualify for the right of rescission based off of the loan type which is incorrect. I have attached a copy of the correspondence from M & T BANK that made the false statements and the correspondence that threatened to take my home coercing me to pay a debt. I have also attached a copy of the law governing consumer credit protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  is reporting this account that it is not mine, much less my husband 's. The account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Mortgage

Flagstar Bank has now failed twice to correctly mail an insurance claim check for {$3200.00} to our home, having send the check to a Roofing company that has already been paid by us for this amount. 

On XX/XX/, after placing a stop payment on the first check that took 10 days, the second check was again re-issued and mailed to the wrong address. No one at that address has possession of the check and another stop payment had to be issued. 
I have called them 5 times now to resolve this and they have yet to achieve a satisfactory resolution. 

We are finding this to be an Unfair, Deceptive and Abusive Practice in an effort to hold on to our funds and earn interest while we are not earning interest on money that we already paid out to our roofer. We believe that we are entitled to damages as the Mortgage Servicing Company has failed to take proper care and make commercially reasonable efforts to ensure that funds are sent to the appropriate address on a TIMELY basis. 

These funds are not being sent with any tracking or mail certification, but they are still responsible to ensuring that the funds are send and in an appropriate timeframe. This practice can cause financial hardships for consumers.
Product: Checking or savings account

My Bank of America checking account was drained by someone across the country. I called and filed a claim the same day. I was told they have 60 days to resolve the claim and they would issue a temporary credit to my account within ten business days. XX/XX/XXXX On XXXX I called to check on my claim and was told the funds would be issued no later that XXXX. On XXXX I called back and was informed the 10 day rule only applies to claims under a certain amount and my claim was over it. They said they filed and expedite return On XXXX I received a letter in the mail from the bank that a temporary credit would be issued within 2 business days Letter dated XXXX. I On XX/XX/XXXX I called again the representative Wasnt sure why they hadn't been deposited and filed another expedite return for me, and said I would here from someone within 3 days. I also filed a complaint. I never heard back. XX/XX/XXXX I called and they again said theyd put in another request. and some one would call with in 3 days. On XX/XX/XXXX I spoke with another representative who told me I would hear from someone within 48 hrs. On XX/XX/XXXX I called again I was told there is no time frame on missing claims deposits and the other reps had given me miss information. XXXX the supervisor of the Tennessee branch informed me that his branch has been there for the longest and some of the other branches hadnt been properly trained. They were giving out old information and that they would contact me in the order that it was received. With no time frame. I keep going in circles being told different things and getting no help. Im behind on my mortgage and bills and they now say theres no time frame on when I might get my money back.. Im at my wits end. Please help
Product: Money transfer, virtual currency, or money service

XXXX, XX/XX/XXXX was my daughters birthday my family and I planned a trip to XXXX while I was out there I misplaced my XXXX XXXX  debt card, I called them and notified them and they told me I can receive my funds through western union. The XXXX XXXX  representative was very helpful and set the wire transfer up for me and gave me my confirmation number. The transaction was for only {$400.00} confirmation code XXXX and it was from my account. when I went in to the XXXX XXXX branch in XXXX the lady that assisted me told me that someone had already received the funds. The western union was across the street from my hotel so I know nobody picked the money up so I called western union and was told that there was a compliance issue and that XXXX XXXX  would need to call them to confirm the transaction. I hung up and called XXXX XXXX and they told me they would call to confirm the transaction. The rep called me back and told me that the funds would be returned and that something went wrong. Im not sure what could have went wrong. The whole transaction was misleading and it ruined my whole entire trip to XXXX and my daughters birthday. As if that wasn't enough they told me the funds would be returned and they have yet to returned a dime to me. this is very unfortunate how these big companies take advantage of day to day consumers and mishandle our funds.