23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX 2015 at XXXX I spoke to a XXXX XXXX who works with MH Loans Corp XXXX # XXXX. I explained that I was thinking of attempting financing to purchase a Mobile Home in my area, but I was n't sure how my score would appear as I had just experience a sudden reduction in my score for unknown reasons. I was in the process of exploring so I wanted to her to help me out with a report so I knew which way I wanted to proceed with an offer I was preparing to make. She told me that it was late that afternoon but would run my credit though her under writer the next morning, and call me once she had an answer. 
The next morn came and went without hearing from her or anyone from her company. At around XXXX I attempted to call XXXX XXXX at XXXX but only received a FAX tone. at which time I called my real estate agent XXXX XXXX XXXX, I reached XXXX XXXX and was going to tell her that I had asked this Mortgage loan company to advise me of my chances of getting a loan. XXXX XXXX at this time informed me that she had been informed by the selling agent that the lender XXXX XXXX had called her ( the sellers agent XXXX and XXXX XXXX had gone into detail about my wife and my credit file. I at that time told XXXX XXXX XXXX my agent ) that I had n't heard from the lender and wanted to know how was the other agent notified of my financial status before I even knew what the outcome was. More over how and why was someone whom I had n't authorized to be involved in my credit file nor had I or my wife even made an offer to this other agent concerning any kind of bank financing. at this point XXXX XXXX and MH Corp have violated several sections of FCRA and this has now resulted in a total breakdown of any possible negotiations between my wife and I concerning a potential sale. I do have more testimony of XXXX XXXX XXXX My Agent ) of even more detailed information that was pass along to her and the other agent from MH Loans Corp and XXXX XXXX of which I will forward to my Attorney XXXX XXXX XXXX XXXX No Relation to my Agent XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, have also received information from company 's such as Equifax and XXXX about data breaches 15 U.S. Code $ 1681c-2 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.

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

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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

This is being reported to my credit before I was even given paperwork, to which to date i still have not received a validation letter from this office. I had previously disputed when XXXX XXXX XXXXXXXX placed this debt from XXXX XXXX XXXX on my credit report and it was deleted by XXXX. XXXX month later I.C. Systems Inc is now reporting this debt. I have disputed twice now with XXXX showing them that they deleted the last agency that was reporting this as a valid debt. To which it is not I worked at home for this company and this was an employee account that was closed and paid in full upon my leave from the company. This debt is not valid nor owed and that is why XXXX XXXX XXXXXXXX was deleted. Now I.C. Systems is still stating that its valid and XXXX is not backing their prior decision to delete as before. Credit dispute with XXXX XXXX report number was XXXX removed from my credit report XX/XX/year>. 
I.C. Systems is now reporting this same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA XXXX GUIDELINES, SHOW US!
Product: Checking or savings account

Hello. My name is XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX informing me that my Citi Accelerate Online Savings account had been closed. I was not provided a reason for closure. I immediately called the phone number provided with the email : XXXX. A customer service representative was not able to give me a reason for closure, but reassured me that my remaining balance would be mailed out in the form of a check within 30-60 days. 

I have periodically called this number, along with the other customer service phone numbers provided by Citibank during the 30-60 day time frame : XXXX and XXXX. Each time I call, I am notified that I have an active and remaining balance of {$56000.00} and that it is still accumulating interest, but that the account is closed and that I am still unable to receive the funds. Each representative ensures an expedited process to mail my check, all to no avail. 

My most recent phone call with Citibank occurred on XX/XX/XXXX, 60 days officially from the date my account was closed, and it is the reason I am now filing this complaint. A customer service representative told me that my funds would never be transferrable and disconnected our phone call. I am highly concerned, as my remaining balance is a large portion of my livelihood. 

I have not been notified of any suspected fraudulent activity from my other financial institutions and have verified my identity in every possible way to confirm that these funds are rightfully mine. 

Since the opening of my account in XX/XX/XXXX, I have made several deposits : XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$20.00} XXXX : {$10000.00} XX/XX/XXXX : {$41.00} XX/XX/XXXX : {$49.00} XXXX : {$5000.00} XX/XX/XXXX : {$71.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$100.00} I had also made deposits prior to XX/XX/XXXX, but because I am locked out of my account, I am not able to see the exact deposits made during that time period. 

I do not live in a state where there are physical Citibank branch locations, so I am unable to visit a branch and get more information in-person. Every customer service outlet has provided conflicting information about my account. I am filing this complaint to receive an answer for the reason my account was closed as well as expedite the process to receive the remaining balance of funds that I have worked hard to earn. Thank you in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$58.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXXXXXXBalance : {$740.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXX Balance : {$280.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Product: Credit reporting or other personal consumer reports

Ive called each company and requested they remove the inquiries according to them they dont show I ever applied because I didnt.
Product: Debt collection

On XX/XX/2022, the regulator for SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX, received a cease and desist letter from me. Stating to cease all communication directly and indirectly through any medium, including through my consumer report via the credit reporting agencies. SPRING OAKS CAPITAL LLC, still willfully choose to violate the FDCPA by still communicating and the GRAMM- LEACH BILEY ACT privacy rule by not ceasing the advertising of my non public information to the public through the credit reporting agencies to coerce payment from me on an alleged debt. As of XX/XX/2022, SPRING OAKS CAPITAL, failed to cease communication and continue to communicate with me through my consumer reports with the Credit reporting agencies. They are knowingly still violating 15 USC 1692 ( d ) ( 4 ) by still advertising my non public information and refusing to delete the account off my consumer report. They were given 15 days to pay invoice for damages, cease and remove the non public personal information and failed to do so. I am now a victim of there non compliance and aggravated identity theft. Also, they knowingly possess and are using my means of identification with the intent to EXTORT me of {$3400.00}.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit pl
an as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their refusal to honor my opt-out request dated XX/XX/XXXX, pursuant to 15 USC 6802. 

On XX/XX/2024, I submitted a written request to XXXX XXXX XXXX to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, XXXX XXXX XXXX has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with XXXX 's customer service representatives, the issue remains unresolved. 

XXXX XXXX XXXX ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with XXXX, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX XXXX complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.
Product: Debt collection

There is an collection on my credit but no information is provided on whom to contact what the collection is for just an account number and balance Missing or incorrect information
Product: Debt collection

Company reporting inaccurate information on my credit report on debts that are not mine. Reported information to XXXX as recently as XX/XX/2023 per all three credit agencies ( XXXX, XXXX and XXXX ). Amounts were {$1000.00} and {$2700.00}. I have no knowledge of the accounts, amounts, high balances or services provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra and ftc were sent to all parites involved these company still have hassle and gone way over board on items that were not mine ID theft and hacking police reports were sent .. 

Nothing i can do XXXX getting from calls from them XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX 
I attempted to sell off my crypto of XXXX though XXXX XXXX though Binance.US as they recommended to use. I had {$23000.00}. I had to download Binance.US app as recommended by trusted wallet. After setup I followed Procedures and Proper Passwords..after that I proceeded to sell off my assets. At that point I got no confirmation. I immediately contacted both Companies, they advise me And sent me links to do over. I have been corresponding with them for weeks. And Nothing they said they have nothing they can do to recover. 
XXXX XXXX. 
THANK YOU XXXX XXXX XXXX
Product: Debt collection

Since the first week of XXXX me and my mortgage lender have been trying to get a payoff good for 30 days. When we finally got the payoff on XX/XX/XXXX, it was dated XX/XX/XXXX and expired XX/XX/XXXX. The loan will close on XX/XX/XXXX but the creditor will not receive their money by the XXXX, not enough time. When we requested an updated payoff they refused unless I make a payment. These people have already garnished my bank account {$1400.00}. And didnt even deduct that amount from the payoff amount. We are wanting and are going to pay this debt. The refinance loan has already been approved, closing date scheduled. Can you please help me with this? XXXX XXXX represented by the firm of Zwicker and associates. I have never had so much trouble trying to pay someone. Please help. My number is XXXX
Product: Checking or savings account

Received letter stating that my accounts have been closed due to a fraud warning. I have had these accounts for 5 years and they were closed without notice.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report today, and I cant figure out how this happened. I make it a habit to check my credit report, and its always been fine, but now, there are errors out of nowhere. I refreshed my browser several times, praying it was just a mistake, but the errors stayed. Im pleading for a detailed review of the documents I provided so that this issue can be resolved for good.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation which was never received. I also sent validation letter via certified mail. The account was removed from transunion but remains on others. This debt was never validated and is in violation of fdcpa
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting 3 negative account each with XXXX XXXX XXXX XXXX But Ive never had a contract with this company Ive disputed this to both credit bureaus Experian  & XXXX  but both state that its accurate
Product: Checking or savings account

Hello, I have a Dasher Direct card that's issued by XXXXXXXX XXXX. I reported numerous unauthorized transactions that are a result of Identity Theft. I sent that many files that prove that I am a victim and that I did not authorize those transactions. 

They refuse to properly investigate, they refuse to give me a temp credit, they refuse to actually refund me my money. It's unfair that they don't take my side. When I ask for proof of their investigation I get nothing. 

Please have them fix my account. 

Thank you.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that a U.S. Bankruptcy Court item is listed on my credit reports. Under the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

In this case, the original creditor is the U.S. Bankruptcy Courts. I have received a letter from the Bankruptcy Court stating that they do NOT provide information to credit reporting agencies, nor do they validate or confirm public records. Additionally, XXXX has provided documentation that it could not validate this public record information. 

The responsibility for collecting and validating public records falls on credit reporting agencies or their third-party providers. Public record information is NEVER validated by the Recorder of Deeds or the U.S. Court system due to the Fair Credit Reporting Act Privacy Law. 

As a result, the reporting of this bankruptcy on my credit file violates multiple federal laws, including : 15 USC 1681a ( e ) : Prohibits the inclusion of unvalidated public record entries.

15 USC 1681b ( a ) ( 2 ) : Prohibits furnishing information without the consumers consent.

15 USC 1681c ( a ) : Excludes bankruptcy information from a consumer 's report. 
Your failure to validate this information is a violation of these laws. The continued reporting of this bankruptcy is causing me great harm, including preventing me from obtaining credit to support and sustain my family.
Product: Credit reporting

I mailed a second dispute letter and proof of payment ( a copy of my money order ) to Experian on XXXX XXXX, 2017 for the collection reported from XXXX XXXX XXXX. Acct # XXXX for a balance of {$310.00}. I advised that I paid the apartment complex directly and found a copy of the money order that I gave to the manager and she cashed it. I was a previous employee at the apartment complex and the manager did not notify of the balance per lease contract within 15 days. She mailed it out over 30 days later. Once I received it, I paid it. Experian sent a letter today, XXXX XXXX that it is reporting correctly and it is not. In fact, I submitted the same to another credit bureau, they investigated, and deleted this item. It should not be reporting on my Experian credit report.
Product: Consumer Loan

I bought a truck from XXXX XXXX. I was living in XXXX at the time so when I drove XXXX hours to pick it up all they did was have me sign one sheet of paper. that was the buyers paper work from the sales mgr. 
we had agreed that they would take XXXX off the sticker price. we agreed that they would give me XXXX for my trade. so after i left the dealership it was n't until a month later when I got the papers in the mail to sign. I was making a lot of money then and did n't look them over very good. now that I have looked them over I have found lots of mistakes and I 've figured out how they screwed me on the vehicle. it is unbelievable. i want to fax yall this stuff and i would like to meet you in person to explain everything. i do n't care how far i have to drive. there are so many mistakes and lies, and forgeries that I would just have to show you in person.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXX in 2017 they gave me a line of credit for XXXX XXXXXXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve XXXX XXXX XXXX XXXX account. 

I went to a XXXX XXXX XXXX and they could not pull any account information back from 2017 due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result within 30 days.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this