23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Last XXXX I rented a car from XXXX XXXX XXXX  using my Citi Bank Credit Card I also purchased the reimbursement program that was offered by Citi Bank. I hit a guard rail and did some minor damage to the car. I called XXXX and they told me to report the damage when I returned the car. I did report the damage and filled out the forms. 
XXXX sent a detailed copy of the damage and submitted it directly to my insurance company. 

I received a letter from XXXX which gave me XXXX business days from the date of the letter, to submit the money covering the difference between what my insurance paid the total bill which amounted to approximately {$1400.00}. Due to the time lag while the letter was in the mail and when I got home to look over the letter, I only had 5 business to respond. The letter stated that, if payment is not received by the due date the claim would be immediately sent to a collection agency. I was not able to collect all the information required by XXXX XXXXXXXX and since it was a reimbursement service I went ahead to paid XXXX directly. I collected all the information required by XXXX  XXXX and put in a note that the reimbursement check should be sent to me directly. XXXX XXXX sent payment directly to XXXX. 
When I was able to find out what had happened, I called XXXX to get them to refund the double payment to me. XXXX acknowledge that they had cashed the second check after the case was closed and marked paid-in-full. The lady I talked with refused to tell me how long it would take to get a check sent out and to whom they would send it. 
After waiting a couple of weeks, I tried to follow what was going on with the payment. I talked with both XXXX and XXXX  XXXX over several months. All claimed that someone else had the money and they would need to reimburse me. 
Finally, a representative stated the check had been sent to Citi Bank Administration and all Citi Bank would need to do is to fall XXXX 's finance department and they would be able to work out any issues that remained. 
Citi Bank has refused to do this, stating that it was my responsibility to get a copy of the check, to whom it was sent, and the date it was cashed. XXXX said that it was the Banks responsibility to contact them, and they could not provide that information to me. 
I would just like to track down where the money is but no one seems willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

Our company reached out to your organization in 2014 regarding a mortgage dispute with TD bank. TD bank changed their tune and decided to work with us to resolve our mortgage issue. They renewed the loan and stated we had 2 years to remove the loan from their company. We found a bank to renew our loan and are in the process of doing so, however, TD Bank told our new bank we had {$20000.00} in legal fees. TD bank never disclosed this information to us. It 's another underhanded attempt from TD Bank to keep our property and to make money at the expense of a small business. Our lawyer charged us {$500.00} to take care of this issue with TD Bank and spoke minimally to the TD Bank lawyers. If this was a justifiable amount, I would not reach out. Please let me know if there is some sort of avenue I can pursue to address this issue. My name is XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give AMERICAN EXPRESS written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : AMERICAN EXPRESS DATE OF INQUIRY : XX/XX/XXXX, XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I DISPUTE THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORT * XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX * XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. I DID AUTHORIZE ANY OF THESE COMPANIES TO RUN MY CREDIT. Please investigate and remove any unverifiable inquiries.
Product: Payday loan, title loan, or personal loan

1. Bread Loan denied my {$5000.00} Credit line without a proper reason, 2. also in this email they say in one paragraph, that i was and i was not approve which is very confusing, so when i called they confirmed i have not been approved and they made up an excuse that they were unable to verify my identity, although i offered to upload my ID and other proof of identity so they can verify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Around the middle of XXXX I checked my credit report and seen a new added collection from XXXX XXXX i immediately looked into the account to try and gather any information I could about the unknown debt. The first action I took was to dispute it with all 3 credit bureaus, and I also wrote the collection agency as well to get this resolved. I waited 30 days to hear back from both parties. I looked more into the negative information and it reports the debt was opened in XX/XX/XXXX for XXXX original creditor was XXXX XXXX now I'm more upset at the negative information because I been with my light company past 2 years so could i open a new account with them. XXXX comes back and says it's verified as my account which is impossible. So I looked into the FDCP section 809 and read upon the unfair debt practices I should have received a letter which gave me a right to dispute. So I decided to call and ask about the account. I asked the lady why are they reporting inaccurate information on my report and to verify the address. She tells me the debt was XXXX and gave an address of a city I never lived in now I'm really confused how did XXXX verify this debt was mines when the information clearly doesn't match. I'm currently trying to buy a house and it's very unfair to have a debt pop up out of nowhere and for them to tell me it's from XXXX that's a 6 yr old debt with a city I never lived in that my credit report is suffering behind inaccurate unverifiable information.
Product: Mortgage

The service provider is Bayview loan services. They purchased my mortgage from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX they sent me a welcome letter and an invoice in the amounts of {$5700.00}. My monthly payment on my mortgage has always been {$1600.00} per month ( I have a fixed 30 years mortgage ). All of a sudden I was received this large bill for a combination of missed payment, escrow shortage, and a mortgage insurance. <P/>I have never missed a payment with my prior mortgage servicer, I do n't pay insurance as it 's a condominium and I have a master insurance policy through the HOA. I have faxed evidence of coverage and receipt of monthly payment to prove to the new servicer that I have never missed a mortgage payment. Every time I call, I always talk to a different person, and I have to repeat everything all over to everyone I talk to .... Since XX/XX/XXXX, I have talked to them countless times ... no one could help me and justify how they come up with {$5700.00}. After so many phone calls and arguments ... .they finally told me that there is a shortage in my escrow and added about {$80.00} to my monthly payment making the monthly total {$1700.00}. However, I get non-stop phone calls .... They are now claiming that I have missed a XX/XX/XXXX mortgage payment. <P/>I have told numerous people at Bayview that I have paid the XX/XX/XXXX payment to XXXX XXXX. I have even faxed evidence that I have made the XX/XX/XXXX payment ( four times ). Still I get a phone call a few times a week saying that I am late with my mortgage payment. This has been a very stressful situation because it seems that NO one is willing to help me. I have talk to different representative from Bayview, and they all tell me different story as why they keep calling me for a missed payment. <P/>I have tried on my own, I have talked to different so called supervisors from their escalation department ... ..and to this day they keep harassing me with phone calls ( I have told them multiple times not to call me again, to stop harassing me, just today, I have received three phone calls from them ) ... I am working with a gentleman called XXXX at XXXX who has been trying to help me ... .but nothing has been done yet. Please help!!
Product: Mortgage

Bought my house ( XXXX XXXX XXXX XXXX XXXX ) in middle XXXX with XXXX XXXX as the servicer, they would later sell to CMG financial in late XXXX. CMG would later sell back to XXXX in middle XXXX on XX/XX/XXXX I come home to a locked out house from the Sheriffs office. From the limited information I have so far, CMG financial bought my house at an auction in XXXX of XXXX. I have been paying XXXX  this whole time and for other issues not pertaining to this in communication with them via E-mail and phone with XXXX employee XXXX XXXX who handles my case. I have no idea what's going on, everyone told me to call back Monday so they can get files pulled. My family is homeless now and majority of my items seized, even my dog taken to the pound. I received not a single notice about anything during this whole time. XXXX XXXX XXXX informed me they knocked on my door one week prior to let us know we have been evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know until I look at my record report all three of them then Ill find out why all set on getting denied for small loans that I used to not get the night at all theres something on my record is hurt me and I believe it might be fraudulent
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$6700.00}
Product: Checking or savings account

We had a Business Account with XXXX XXXX XXXX. In XXXX XXXX, fraudulent activity occurred and money was withdrawn from the account. We had to fight the bank to get them to do anything to stop this. After 3 visits to branches including one located in XXXX XXXX, MD ( we were on vacation when this occurred ), XXXX, MD and XXXX, MD and numerous phone calls including speaking with XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX who blocked us out of our account, XXXX ( did n't get last name ) was told 10-14 days before anything could be done, and XXXX XXXX on XXXX/XXXX/XXXX who finally told us we needed to fill out an affidavit of fraudulent transactions to get this process started. When we read the affidavit we noticed that XXXX XXXX had listed the person, XXXX XXXX, who had written fraudulent checks, as the owner of our business account ( I have the paperwork for this ). Checks that we had written continued to come in and our account continued to be overdrawn in addition to them returning the payments so we had to pay fees on the other end as well. We finally were able to get some of the returned item fees refunded. On XXXX XXXX, XXXX we went into the branch to close out the account. We were told we had to pay {$520.00} in overdraft fees in order to close our account. We paid these fees, against our better judgment, but just wanted to be done with XXXX XXXX as it was a complete nightmare dealing with this situation. On our statement for XXXX, it showed that we paid the fees and had a zero balance on XXXX XXXX, XXXX. On XXXX XXXX, XXXX @ XXXX XXXX, we had received another statement from XXXX XXXX stating that we owed {$20.00}, so we called and spoke to XXXX and was told our account was closed the end of XXXX and we owed nothing as we had a zero balance. We just wanted to be done with XXXX XXXX, but we received a subpoena from the XXXX XXXX for XXXX XXXX to appear in court regarding XXXX XXXX, the person who made fraudulent checks and cashed them at 2 different XXXX XXXX locations. We took time off work and appeared in court on behalf of XXXX XXXX on XXXX/XXXX/XXXX. His case went to trial and we were asked to appear again XXXX/XXXX/XXXX again on behalf of XXXX XXXX. We have gone above and beyond for a company that is incompetent, completely dysfunctional, very unprofessional. and stole money from us by requiring us to pay {$520.00} in order to close our account because a teller did n't notice the fraudulent checks that look nothing like the checks that we used. Again, we paid this in order to be done with XXXX XXXX. But, on XXXX XXXX, XXXX we received a letter from a collection agency stating that we owed {$90.00} to XXXX XXXX bank. We have no idea what this is for. We sent a letter to them today, XXXX XXXX, XXXX asking for a letter of validation of the debt and what they are collecting for.
Product: Vehicle loan or lease

On XXXX XXXX  I bought a XXXX XXXX for {$39000.00} with a down payment of {$1500.00} the amount to pay {$44000.00} (? ) I made payments to the principal as follows : {$720.00} {$2000.00} {$2000.00} total {$4700.00} the amount owned today is {$32000.00} I made 13 payments of {$720.00} = {$9400.00} PROBLEM : SOUTHEAST TOYOTA FINANCIAL, REQUIRED 59 PAYMENTS OF {$720.00} FOR A TOTAL OF {$42000.00} ON 4.5 % OF INTEREST BASED ON THE CONTRACT THEY SAID
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



XXXX XXXX XXXX XXXX XXXX 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

To CFPB I got an alert from my security online protection that Trans Union has posted an account on my report from a company called XXXX XXXX XXXX for {$61.00} we did not get any written communication from this company stating we owe them anything, and once again Trans Union has posted it without a trace of proof that this is ours.
Product: Debt collection

XXXX of 2020, I was informed by a family member that a variety of individuals were calling a medical alert number, some starting at XXXX XXXX and leaving voice messages. Theses calls happened daily for the majority of XXXX of 2020. 

XX/XX/2020, my sister sent me an audio message with a woman threatening to take me to court and contacting my employer if I didn't contact the '' filing agency ''. If I didn't do so, she was going to take it as a direct refusal of giving my signature and court would go on without me with the filing agency. 

This woman identified her self as XXXX XXXX. I believe she is associated with " XXXX XXXX '' or Reliable Credit. The other name she left on a third party phone was my former wife 's mother. 

I attempted to fix this issue with the company 6 years ago. They were unwilling to work with me. I have heard nothing from them for over 6 years. 

XXXX of 2020, I received a notification from the Attorney General. It informed me of a multi state lawsuit against XXXX for predatory lending practices and my name was on the list for a loan by XXXX and to expect a settlement from the suit. This institution was used by the parties mentioned. 

I believe they are now attempting to " park ) their debt! 

My sister has called the number from which the calls were made. When the call was answered, the person on the other end would not say anything, and then hang up the phone.
Product: Credit card

On XXXX XXXX I applied for and opened Travel Rewards ending with XXXX using online application : which stated : https : //www.wellsfargo.comXXXX XXXX points on gas, grocery, drugstore net purchases for 6 months, XXXX points on virtually all other net purchasesXXXX - enjoy 5 years to use the points you earn '' However, the stated offer had been never applied to my card. 
I opened the research request with Wells Fargo, but I had denied XXXX XXXX for the reason : " If you or any joint applicant currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you will not be eligible for the above introductory APR ( s ) and fees or the bonus rewards offers described below if your existing card has been open less than 16 months. '' However, such a warning was not present in the terms and conditions and was not presented during the application process, so it was applied retroactively. 

I closed my card on XXXX XXXX our of frustration. 

Therefore I request the card ending with XXXX to be reinstated with full 6 moths promotional period attached starting with the reinstatement date. 

Thanks You XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 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

TransUnion credit burea said that this debt would be removed by XX/XX/XXXX which is 7 years after the debt. When I contacted them they changed and said it will remain until XX/XX/XXXX. They also keep updating it on my credit report. The company they are reporting is XXXX XXXX XXXX
Product: Debt collection

This is my second complaint regarding this company. When I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative. I filed a complaint on XX/XX/19 regarding this issue and the company responded on XX/XX/19 stating they sent me validation. That is far from the truth. This agency has NEVER sent me anything. I have reached out to them numerous of time to validate the debt but with no success.