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

XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX XXXX Alleged account # XXXX. I have disputed these alleged accounts numerous of times and it comes back verified, or updated. These are 3 different accounts on MY, a federally protected consumer account without my consent. There has been no evidence of indebtedness proven to me AT ALL!! These accounts are infringing on my right to privacy. The banking system is dependent upon fair and accurate reporting. An elaborate mechanism had been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity and general REPUTATION of consumers. There is a need to ensure consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY!! Consumer reporting agencies are REQUIRED to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information with regard to CONFIDENTIALITY, ACCURACY, RELEVANCY, AND PROPER UTILIZATION of such information accordance to Congressional findings. I will no longer sit back and allow my rights to privacy be violated in such manner. I am requesting immediate removal of all three accounts OR i will be exercising my rights as a consumer to the fullest extend.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( 1 minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent.

I will not furnish you with an address because I do not have one ; as I am currently XXXX and XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX and XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report, as I have been a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed from my credit file.

Below are the fraudulent accounts I request to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX 2024
Product: Payday loan

I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept.
Product: Mortgage

We applied for a mortgage refinance loan with Citibank loan agent is XXXX XXXX with Citibank N.A His NMLS id is XXXX. After getting the loan application and all conditions over to XXXX we were first going to get 3.5 % rate for 30 yrs fix and no closing cost ( no points, no cost ) Loan and XXXX XXXX came back to us stating that he would not be able to deliver it as our loan needed exception so we insisted we need to communicate with his supervisor/manager thats when we received a call from XXXX XXXX XXXX who explained why the rate of 3.5 % was going to be with cost based on this we initiated a change to XXXX Arm rate of 3.375 % with 0.875 % in lender credit and this was confirmed by XXXX XXXX and we have received communication from Citibank re this change and GFE too. 

we had made very clear to MLO XXXX XXXX and XXXX XXXX XXXX that we would only spend for the appraisal once we have conformation from them that only condition left is the appraisal and so we did the appraisal too. 

I fail to understand that in such highly regulated lending regulations how can a MLO play with us and waste our time and money with confidence that he would get away lying, deceiving and misleading every step of the way. 
As of XXXX XXXX/XXXX/2015 we received an email from MLO XXXX XXXX saying that Citibank has switched us back to 30 yrs fix rate with cost and this is after we had confirmed that we were ok to proceed with XXXX Arm rate so we deiced to pay for the appraisal. 

we have wasted our time Money and all we are getting in the email from XXXX XXXX is disrespectful emails and threats that he will not do anything on our loan at all, because i wrote to him and his manager how we feel that we have been lied to. 
i call this Bait and Switch or booth closing loans which this MLO is doing with us. 
My Name and information isXXXX XXXX loan # XXXX XXXX XXXX XXXX, CA XXXXMy email id is XXXXXXXXXXXX direct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?
Product: Debt collection

Thi scompany just reported negative information to my credit file without my permission is a violation of my consumer rights. I dont even know of this compant nor did i due business with them but they have negative information they just inserted on my credit file today. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Thank you for removing some items from my file caused by incorrect credit report details. However, there are still items that need to be addressed. According to FCRA section 605, you are required to remove any items listed on an ID THEFT REPORT. I am submitting Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from erroneous credit information within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$720.00} -- -- -- -- -Equifax : XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year> -- -- -- -- -TransUnion : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00}. You have 4 business days to remove these items from my credit file. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within 4 business days.
Product: Credit reporting or other personal consumer reports

I hope you give attention to this issue. Given how important my credit is to me, I would just really appreciate it if you can take immediate steps to remove the incorrect information from my credit report. It would really help me with my peace of mind and especially with my financial goals.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i sent XXXX ETH to a smart contract. On coinbase the status of the order was completed " successfully ". Few day after i check XXXX website i discover my transaction failed. I contacted the owner of the smart contract, he explained to me we can't send money to a smart contract with coinbase but my money is some where in the systeme and i have to contact coinbase to update my account. 

XX/XX/XXXX i opened a case to inform then, i need my private key to unlock my money. 

XX/XX/XXXX i received a content that " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' Case # XXXX. 

Till today i have zero information about my case in the mean time i try to contact coinbase through tweeter but no response
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my pre arbitration dispute letter. I am sending this complaint through certified mail to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to fulfill the requirements of the arbitration clause.
Product: Money transfer, virtual currency, or money service

I withdrew {$190.00} from my US Dollar wallet on Coinbase on XX/XX/XXXX at XXXX XXXX. I was told through their online system that it would arrive within 3-5 business days. Today is XX/XX/XXXX and still no deposit into my bank account. I contacted their customer support and was told it is completed on their end. They easily and quickly take money from my bank account and then lie about returning it. I'm not the only one experiencing this issue. I've also created a reddit post where others have complained about the same issue.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had a late payment on an account that was paid on time. Consumer reporting agencies are required to report all information accurately. This account has not been late on payments. I have attached a copy of my report, this complaint is for the following date : XX/XX/year>. I am now requesting that you investigate this account and update this payment to Paid on Time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraud alerts and extended fraud alerts from all 3 of the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRY REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SYNCB/JCP Date of inquiry XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX,XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXXXXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX, I received a letter from XXXX  ( XXXX XXXX ) stated that my XXXX loan ( Account # XXXX ) was paid off in full. To my surprised, I logged on to my account and found a very messy situation, which I have been dealing with since then and still unsolved, which resulted in this complaint. 
I have spent countless hours on XX/XX/XXXX,. XX/XX/XXXX, XX/XX/XXXX ( twice ) trying to resolve this issue. XXXX  mistakenly paid off my XXXX loan in XX/XX/XXXX and reversed it ( according to the transaction history online ). It stopped collecting the automatic monthly payments/ withdraws from my bank account. I didnt know about this until I received that paid in full letter. I have tried to rectify the issues with the company but they are unwilling and un-caring about owning their mistaken. From the latest telephone conversation, one of the manager ( XXXX ) promised that she will make sure all things were taking care of my issue was about the credit reporting. I received emails and calls from XXXX XXXX about my late payments, which only happened after I contacted XXXX about the pay off in full mistake. The late fees of the two months were also added into my loan amount. This is fraudulent! 
I received notification from my bank stated that my FICO scores had changed ( dropping by XXXX points ). I requested and received the credit report from Transunion ( XX/XX/XXXX ) and found out that XXXX had reported the 2 months late payment. I emailed XXXX and asked them to retract this reporting because of their mistake of paying-off the loan. XXXX refused to do so, stating their reporting was correct. This affected my credits and ability to make plans for financial decisions. 
This is a very frustrating experience with XXXX XXXX XXXX XXXX. It made a mistaken and refused to make correction, as a result, the consumers are suffered. It is a fraud to consumers and irresponsible as a business practice as a financial institution targeting consumer like me ( perhaps, XXXX profiling because of my name that is un-Americanized ). Especially, after multiple attempts to result this issues and XXXX still refused to fix the issues. It is predatory practice. I wish the companys practice methodology to be investigated and hold accountable for their wrong doings to consumers. 

Thank you time and assistance in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has mailing address that are not mine credit opened up in XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my identity stolen and I have contact the police and received a report and sent it to both XXXX and XXXX XXXX. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale
Product: Mortgage

My husband and I feel that Midland Mortgage, a Division of MidFirst Bank is threatening foreclosure that pertain to the documents I will be attaching to this complaint. 

My husband and I are quite wary of what we comprehend after reading the letter and documents. 

Also, to mention that in the process of researching Records and XXXX XXXX XXXX, we did find out that the letter that was sent to us in XX/XX/2011, was a bogus letter sent to us from the Midland Mortgage. The address on it has XXXX 's name, but the address under the name belongs to the Midland Mortgage, a Division of MidFirst Bank. 

My husband and I suspected, back in XXXX through XXXX, when the VA placed the property on XXXX, that the mortgage company would wait until the last minute to send us the " mortgage assistance '' documents. And here we are in XXXX ; and they just now mailed us the documents. Not to mention, a mortgage we should not have been paying them; had they done it the legal way there would not be an issue. 

We are very wary of the wording on the documents. It seems that they want us to pay upfront to qualify for assistance. ( We should not have to pay upfront for assistance. ) And we understand that if we don't pay, or if we don't cancel because we can't afford to, either way they will proceed to file foreclosure on us. 

Meanwhile, the only communication we have received from them have been the responses to our complaints and reports. 

We do not need to pay for help with forbearance options. We should steer clear of scams, especially offers to help that come with upfront fees - whether the offer is for our mortgage or other services, like with credit repair.
Product: Vehicle loan or lease

In regard 's with the Loan with Time Finance Company, I've had issue with balance and the amount due. Current I was paying {$250.00} a month, until I was late one payment that was due on XXXX of the Month. I reach out to the company and I've had rude customer service with XXXX and XXXX from the company. I've asked for the pay off of my vehicle and I was denied to know the remaining balance. I was told in order to know the pay off balance I would need to pay off the past due balance. I've received their statement and every statement did not reflect the balance, past due, or total due. I would received 4 bills in the same month which had different amounts ranging from {$65.00} to {$340.00}. I called Time Finance and was explain once it past due they don't sent the statement with the balance. Which I have never heard of such a thing, I was explain they send 15 days past due, 30 days past due and 90 days past due. Which the bill did not display. Furthermore, I was harassed that my vehicle was going to be reposed due to 24 days past due, which they are oblique by law to send a notice of repossession of the vehicle which I never receive the letter. I've called many times, to negotiate a compromise but I get are people who threaten and act unprofessional. Time Finance needs to close their business or make changes.
Product: Mortgage

My mortgage loan was paid off at Select Portfolio Services , Inc. on XX/XX/2021, and I am still receiving statements indicating that a payment is due.