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

There is a hard inquiry from CBNA, which is apparently a Citibank thing, except no one at Citibank seems to have any idea who they are, why they made a hard inquiry when I did not apply for a credit card, or how to fix it. It was made on XXXX XXXX, 2016 according to XXXX XXXX, and I have no other information, received no paper documentation. It counts as a derogatory remark on my credit rating. I 'm trying to buy a home and I heed this removed as soon as possible. I would NEVER get a Citibank card, they are a terrible institution. I 've seen a lot of complaints against this CBNA thing on forums online. Please help me fix this, and why is n't anyone going after these frauds?
Product: Credit card or prepaid card

I have file full of documentation, including by chat lines and phone calls, but I can not access the information now, without closing this window, but I can give you the general problem. 

It concerns the inability to make a payment to Best Buy on an internet website that is maintained by CITIBank. The website has a problem, and they are now going to be charging me a late charge on my account even though I have spent perhaps 20 hours on the phone with both Best Buy and Citibank. Today, XX/XX/2018, I got woke up by a recorded message from Best Buy. I don't know why I even bothered trying to call them first, but I did, and was told to call back when they are open. But I already knew from the Corporate Headquarters of Best Buy in XXXX, Minnesota, that the website is provided by, and maintained by, Citibank, not BestBuy. So I started the parade of people in XXXX, First XXXX in XXXX XXXX, XXXX, then back to the US where I got XXXX ( XXXX ), who said he could transfer me to technical support, which sent me back to XXXX and XXXX, who sent me back to US and XXXX, who first said she was in customer support and then changed it to technical support. By that time, I have been sitting on the phone in my underwear for about 40 minutes, so I asked her if the call was being recorded, and she said it is, so I gave a very detailed explanation of exactly what the problem is that anyone actually in technical support and the IT department would clearly understand.. 

If I had not just changed from XXXX to XXXX XXXX, and wanted to drive 84 miles round trip to the nearest XXXX XXXX, to make a deposit that would clear the Best Buy payment, I suppose I could do that, however, I believe it is the responsibility of Citibank to fix the program on the Best Buy Credit Card payment site, so that customers can enter a new payment source, and to also fix the same drop-down window problem in the secure message portion of the website. It is not my responsibility to make a long drive at my expense to let them force me to use a bank account of THEIR choice. 

When you go to the page to make a payment, but you want to enter a new bank account, the page will let you enter routing and account numbers, but then there is a drop-down menu where you have to mark the type of account it is, as an example checking or Money Market, but you can not select either because of the technical problem. The CHOICES CAN NOT BE SELECTED. Before my next payment was due, about XX/XX/2018, I then tried to send Best Buy a secure message, but that window also has a drop-down window with a lot of choices about why you are sending the message, but again, YOU CAN NOT CHOOSE ONE OF THEM, nor can you send a message. 

And that was where the chat came in. I have three pages of trying to explain a technical programming problem to someone who is minimum wage in XXXX. When you ask for Technical support you get customer support. I spent a whole day, and finally called the corporate offices of Best Buy in Michigan where they explained that it is a CitiBank website, not a Best Buy website, and it is maintained by CitiBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I have received multiple phone calls from a private number. They advised me to contact them at XXXX XXXX XXXX. I contacted them after the second message was left in early XXXX I asked them not to call me again. They called a again in XX/XX/2020. The messaged stated they would contact my employer, that they proceed without Due Process of Law, and they would find me. They said they are contracted to do this with the State of California and County of XXXX. They said I will have to pay additional court and attorney fees.
Product: Debt collection

I previously submitted two disputes ( # XXXX, XXXX ) to this company notifying them of a fraudulent credit card created in my name due to identity theft. I submitted all appropriate documentation supporting this but I was denied the removal of this account from my XXXX consumer report in which a have filed a lawsuit with them for refusal to remove inaccurate information and allowing identity theft with my personal account to be submitted to several creditors. This company is insisting that this debt is mine but denying my request for debt validation. I have explained previously that I have never done business with this company, I have never heard of them until this situation. I am formally notifying this company of refusal to pay in accordance with Section 809 of the FDCPA.
Product: Credit reporting or other personal consumer reports

Hello I'm XXXXXXXX XXXX XXXX XXXXXXXX Just wanted to inform y'all Could you please update my XXXX XXXX XXXX  Account : I recently came across my credit report and unfortunately your bureau has errors regarding XXXX XXXX XXXX account for my car loan you have the balance correct but unfortunately you're missing 3 months of my payments, somehow there's an error saying " UNKNOWN '' in the span of everything being paid perfectly since XXXX, not sure what's going on but please fix it immediately. I've called XXXX XXXXXXXX XXXX they reported it correctly and unfortunately your bureau is in error... Ps All 3 bureaus are in error. I get it we're all human and things happen, let 's just try to fix it in a timely manner. 

Here 's some info for the investigation. 
_______________________ These are the months that are marked " UNKNOWN '' ON XXXX XXXX XXXX ACCOUNT. 


XX/XX/XXXX XX/XX/XXXX AND XXXX IS JUST BLANK HERE 'S MY REFERENCE NUMBERS XX/XX/XXXX @ XXXXXXXX XXXX  REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- You may have to call them? 

Not sure how you go about your investigation but you could verify those reference numbers with an agent from XXXX XXXXXXXX XXXX 

Sincerely XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an 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: Vehicle loan or lease

I have purchased a truck on XX/XX/2020, from a car dealership, XXXX, that uses WEST LAKE FINANCIAL as the lender. The finance company, WEST LAKE FINANCIAL is covering up the fraudulent actions of the dealership by not requesting the title of the vehicle with in the 30 days of purchase. It has been past 60 days and the finance company has not received the title to the vehicle. These action are fraudulent. The finance company should eliminate any business relationship with the dealership as they have been know for title washing vehicles. The transaction took place in the state of Virginia, which it is illegal to sell a vehicle without a title. This cover up by the WEST LAKE FINANCIAL is unacceptable. The finance company should push for legal action to acquire the title from the dealership XXXX.
Product: Credit reporting or other personal consumer reports

Requested immediate removal of unauthorized inquires pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for TransUnion records. Details of unauthorized inquiries on my credit report for removal : 1.Name of Creditor : XXXX XXXX Inquiry Date : XX/XX/year> 2.Name of Creditor : XXXX Inquiry Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a collection account from XXXX XXXX in the amount of {$96.00} on my Equifax report and I know nothing about this. I filed a dispute regarding this medical collection account with Equifax in XX/XX/XXXX. Equifax responded in XX/XX/XXXX and said they had verified the account and advised me to contact XXXX XXXX XXXX. I called XXXX in XX/XX/XXXX and spoke with XXXX. XXXX said he could not discuss the account with me because I could not verify the information they have about me. I gave him all the information about me that he asked for. I suggested that maybe they have the wrong person and asked them to withdraw the account from my report. He said they only report accurate information. But could not discuss the account with me because I could not verify the info they have. I sent them a certified letter requesting they either send me a bill or withdraw the collection account from my report. They have not sent me anything and will not talk to me by phone. It would seem this is not my account. I sent Equifax a letter explaining that the collection agency will not respond to me. I provided Equifax proof of delivery and a copy of the letter I sent to XXXX. Equifax responded to me again by telling me they verified the account belongs to me and if I have additional questions I should contact XXXX. As I have previously stated, XXXX will not discuss this account with me.
Product: Debt collection

I have been diligently attempting to resolve an issue regarding a debt that a company is attempting to collect, which I believe stems from identity theft. Despite my efforts to address this matter directly with the company and through online dispute systems with the credit bureaus, I have encountered significant challenges in obtaining a resolution. 

Upon contacting the company, Kimball, Tirey, and St John, and informing them of the situation, I was instructed to provide documentation via email. Despite promptly submitting the requested documents, I have not received any response from the company. Subsequent attempts to follow up via phone have only resulted in being bounced between different departments, with each directing me back to the other. 

The phone numbers I have attempted to reach the company on are XXXX and XXXX. This back-and-forth communication has been frustrating and unproductive. I am seeking a response from The law offices of Kimball, Tirey, & St John and a swift resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Debt collection

In summary : Shellpoint reported me and XXXX ( owners of a house ) to the credit agencies stating that we've missed the XXXX and XXXX payments. This is not true as Shellpoint was actually telling us to not pay until a Forbearance plan contract was put in place. 

Chronological details : - XXXX : I've called Shellpoint and was told that I should first sign the forbearance plan adjustment before making payments. I also asked if this was going to affect our credit and was told that our account was going to be " frozen '' and that we should not worry about it. 
- XXXX : XXXX XXXX was assigned as the point of contact and we've started to communicate over emails and also over the phone. 
- XXXX : The document has delays to arrive, plus I had to travel due to family emergencies, so this delayed the whole signing process, but XXXX insisted that we shouldn't worry about it. I have emails to prove this. 
- XXXX : We were able to sign the document on XXXX and also realized that our credit score was going down. XXXX reassured us again that everything was going to be ok once the document was signed and our payments were going to be reported as due to the credit bureaus. 
- XXXX : We received communication from Shellpoint stating that the negative remarks are correct and that they won't be removed. 
- XXXX : We're still trying to fix the issue with no good prospect at sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not enter into an informed agreement. I first made a decision prior to receiving an agreement. There was NOT two consenting parties in this agreement.

I was UNINFORMED on basic facts such as I needed two consenting parties to make the agreement, I needed an understanding of what was in the agreement as it was NOT conspicuous nor clear of what I agreed too especially since I did not receive the agreements until after the 30 day period, I was supposed to be able to make an inform decision. I did not know the cost to me of what may come from this credit. I did not know the subject of the agreement when I made a decision.

It is a person of whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness OR if there is no such evidence of indebtedness by agreement. Meaning on the face of that uninformed decision there needed to be evidence I owed them prior to receiving the card so they created an agreement I was unaware of and would not receive without informing me in order to create false debt.

Because of the uninformed decision the contract and agreement was null and void at the beginning.

15 USC 1643 ADEQUATE NOTICE. 
Basically says that XXXX should have made sure I 100 % understood the terms and agreement as well as received the information prior to signing up for it. Not only did I not actually sign anything by hand but by clicking a button that XXXX themselves used a electronic signature they themselves created for me in place of my own signature, by I was unable to receive any information prior.
Product: Credit reporting or other personal consumer reports

To whom this may concern : I am submitting a complaint against the 3 data furnishers, XXXX, Transunion, and Experian. All three agencies indicated that they " validated '' the public record with the bankruptcy court. I have personally visited the bankruptcy court and submitted a formal request as to their procedures. See the stamped document attached of which I submitted. I STRONGLY believe the data furnishers, XXXX, Transunion, and Experian conducted a false investigation which lacks candor as to proving the public record that shows on my credit report. Upon visiting the clerk of the BK courts, they gave information which is also attached that they do NOT provide ANY any information to the data furnishers or any 3rd party entities that disclose any public records. Due to the false/fake investigatory process which is in violation of the Fair Credit Reporting Act ( FCRA ), this information should/needs to be removed from my credit profile as this can be warranted in a civil action or matter on my behalf against these data furnishers, XXXX, Transunion, and Experian XXXX
Product: Credit card or prepaid card

XX/XX/2021 XXXXXXXX XXXX  I can not obtain my account number from the credit card company. In order to login to my account and close my account, compare balance to payments, and general access. They send my statements electronically online but I can't access the online portal without my account number. The card has been destroyed and when discussing with the representative they stated that they would mail me a statement with my full account number. This was a lie. The statement mailed did not include my full account number. 

They closed my account after I paid the remaining balance but then I received another notice of an amount due. I have no idea where this amount came from.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX, XXXX XXXXXXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXX, XXXX Commercial Banks XX/XX/XXXX TransUnion, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion, XXXX Mortgage Reporters XX/XX/XXXX XXXX 15 U.S.C, 1681section 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 an 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 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

I noticed several unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified items must be removed. I have reported identity theft to the Federal Trade Commission at IdentityTheft.gov. I've reach out to each company for removal but nothing has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE - XXXX XXXX XXXX EQUIFAX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit karma had filed for my XXXX taxes. Or claimed they did. They sent me an accepted file for my state and federal taxes. I never recived the {$2200.00} direct deposit they claimed I was supposed to. How could they send me accepted forms and never my $? Its Now XXXX filing time over the year of frustration I havent received even one letter concerning the issue ... the emails never pertain to the issue and they have NO phone #!!!!! It wouldnt let me look at my old forms until I file XXXX with them.. even though I have repeatedly e maild them on this issue they have never gotten back about this issue. It has been almost a year of fighting for my tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking the law!