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

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity services placed an inquiry on credit file. Company continues to furnish data on credit file after documents for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit card or prepaid card

American Express attempting to collect during an active reinvestigation, using various mediums, email and text. This was included in the Cease and Desist and the Debt Validation to not collect during this process, and to stop communication ( harassment ) during this process. See attached invoice and exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

In the beginning of XXXX, while sitting in my den at the front of my house, I saw a car drive by and someone was taking pictures. I thought nothing of it. In the beginning of XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from a lawyer 's office, XXXX XXXX XXXX, P.A., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Az, telling me my house was in foreclosure. I had no idea why. I called the lawyers and received no response ; I called the mortgage company and didn't get any cogent answer either. 

I had to hire a lawyer to find out what was happening and why. As I have a reverse mortgage on my home, I couldn't have been late in any payments. What the lawyer discovered upon speaking to the complaining lawyers, was that when that car drove by taking pictures, the people taking the pictures didn't see a car in the driveway and surmised that no one was living in the house which is a violation of my reverse mortgage. Had the come to the door, I would have answered it. My car was in the garage where it belonged. I just as easily could have been running errands, at an appointment, etc. There is an illegal foreclosure sale set for XX/XX/XXXX. Copies of letters and Notice of Trustee 's sale are attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims, adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow-up to my previous complaint. My previous complaint contains disputed items that are erroneous and needed to be deleted as soon as feasible. 

Kindly remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX MOTORS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Student loan

I attended a private college, and in order to do so, look out nearly {$100000.00} in student loans, {$78000.00} of which are private loans through Sallie Mae. 

For the first year of payments, I was on the graduated repayment plan, so XXXX of the XXXX loans I have through them had significantly lower payments for the first year. Now, that plan is expiring in XXXX. 

For the first year, I also rotated a few in and out of forbearance in order to get my footing in the professional world and adjust to paying loans and living expenses. For the past year, I have been paying Sallie Mae about {$400.00} a month, and have never been late or missed a payment. 

Now, beginning in XXXX, I am expected to pay {$850.00} a month, which is half of my income in one month. I own a home and car, and have other living expenses as well. Sallie Mae literally does not care and will not listen to anything I have to say about what I am able to pay in a month, which is about {$500.00}. 

I even called their payments department and they said they are completely and utterly unwilling to work with me on a payment plan unless I just stop making payments -- and they were rude about it. I have never had a late payment or missing one in the year I have been making payments. I find it absolutely appalling that the only way they will work out a payment plan is if someone simply stops paying on an account. 

I find this entire situation absolutely ridiculous since I am doing everything in my power to pay them what I can and there is XXXX care, compassion or advice on their end.
Product: Payday loan, title loan, or personal loan

I am writing this complaint because late payments have been report on my Credit Report in have not been in compliance of the law. According to 15 U.S. Code 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan 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. None of this was done or followed yet an Late Payments reflects on my Credit Report and I would like the late payment ( s ) removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on this account
Product: Checking or savings account

on XXXX approx. XXXX went BANK OF AMERICA TO WITHDRAW LARGE SUM OF MONEY FROM TELLER.GAVE HER MY ID AND EDD DEBIT CARD.SHE GOT THE INFO SHE NEEDED .RETURNED MY ID AND CARD I SIGNED THE MACHINETHEN SHE TOLD ME TO INSERT MY DEBIT CXARD TO CHECK PIN.I WAS THEN TOLD THAT THERE IS A HOLD ON MY CARD DUE TO POSSIBLE FRAUDULENT ACTIVITY.SHE THEN TOLD ME THAT I WOULD NOT GET ANY MONEY TILL THE HOLD IS TAKEN OFF MY CARD.I ASKED FOR SOME KIND OF RECEIPT TO SHOW THAT I WAS THERE FOR THIS DENIED WITHDRAWL.I NEVER LOOKED AT THE RECEIPT WHICH I HAVE LOST.I LEFT IN A HURRY TO GO HOME AND CALL CUSTOMER SERV. TO GET HOLD TAKEN OFF.WHEN I CHECKED MY STATEMENTS ONLINE.I NOTICED MY BALANCE WAS VERY LOW .I TRIED TO RESOLVE WITH THE MANAGER.WHO ONLY ACCUSES ME OF GETTING THE MONEY.FILED MULTIPLE CLAIMS ONLY TO BE TOLD IT WILL BE 45 TO 90 DAYS.KEEP SAYING THAT THEIR INVESTIGATION HAS CONCLUDED NO POISTAL ERRORS AND WON'T CREDIT MY ACCOUNT AND CASE I CLOSED. NO EVIDECE OR PROOF HAS BEEN SENT TO ME.IT 'S BEEN 2 + MONTHS.I HAVE LOST MY PART TIME JOB CAR INBSURANCE CAN'T PAY BILLS AND ABOUT TO BE EVICTED.ALL I WANT IS MY MONEY THAT I NEVER RECEIVED AND WAS LOST BY THE
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED FRAUD INQUIRIES WITH XXXX, XXXX AND EQUIFAX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX, 2022, XXXX XXXX  XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXXXXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXXXXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 2022 XXXX MICHIGAN SCHOOLS AND GOV XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022, XXXXXXXX XXXX  XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below still continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2022 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

Here is the aforementioned account : XXXX XXXX XXXX XXXX  : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course
Product: Debt collection

Resurgent capital / lvnv funding has violated my CFPB AND FCRA RIGHTS.

I have two different validation letters sent to this company. They have not responded to my debt validation letters at all but have recently added the 2 accounts to my transunion credit report on XXXX XXXX They also updated the balance on my XXXX credit report on XX/XX/year>. They have sent me emails from XX/XX/year> thru XX/XX/year>. This is a violation of 15 usc 1692 g. 

The company also accessed my credit report on XX/XX/year> without my consent which is a violation of my FCRA RIGHTS. 

Validation letters where written XX/XX/year> Sent certified mail on XX/XX/year> Received by company according to the USPS on XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened this account
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XX/XX/XXXX )
Product: Debt collection

I dont recognize this lender DIVERSIFIED ADJ SVC and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Ally Bank XX/XX/XXXX : submitted echeck deposit for {$1300.00} from the US Treasury. They lock my account the next day. I'm without access all weekend. 

XX/XX/XXXX : I call and speak with fraud dept. I answer all questions. I am told the check would be cleared I would have access to my account by Wednesday XX/XX/XXXX. 

XX/XX/XXXX : I am still locked out. I call and am told there is no timeframe at all for investigations and I just have to wait indefinitely. I called again 30 minutes later. This time I was told it always takes 10 business days.

So I still have no access to my money. This is my only bank account and no one can tell me anything. 

I can not log in to see a statement so I don't even know my account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX living man conducted an investigation of my consumer report which caused great XXXX and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thanks for your help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I discovered inaccurate accounts on my credit report. I have no clue how this happened. I check my report regularly, and everything had always been fine until today, when these discrepancies just popped up out of nowhere. I even tried refreshing my browser, thinking maybe it was some glitch, but the incorrect accounts were still there. This has left me feeling really unsettled, so Im asking that my documents be thoroughly reviewed to prevent this from happening again.
Product: Mortgage

My complaint is that I am owed {$120.00} from BMO Harris Bank. Here are the facts : BMO Harris Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX x XXXX XXXX Loan Numbers : Old XXXX XXXX ( purged system ) I purchased my current residence ( XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) in XXXX of XXXX Financing was through BMO XXXX XXXX loan # XXXX ). 
I refinanced this loan in XX/XX/XXXX. XXXX for a more favorable interest rate. 
After the closing I received a letter from BMO-Harris stating there was a balance in my BMO escrow account of {$120.00}. I called my bank about it, and was told I'd be receiving a check within XXXX days. 

First Call : When I had not received my balance due by XX/XX/XXXX I called BMO Harris XXXX XXXX ] and spoke to XXXX XXXX employees are not allowed to give out last names. ) XXXX informed me that on XX/XX/XXXX BMO-Harris issued check # XXXX and sent to my address. When I told her I never received it, she stated the check would be stopped and reissued. The process was to take approximate 10 days. 

Second Call : On XX/XX/XXXX I called again and spoke to XXXX of Customer Service. She confirmed that the check had been stopped, but it was to be reissued on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I also spoke to a supervisor ( XXXX ) who promised to call me to insured I received the check. 

Third Call : " XXXX '' XXXX of BMO Harris XXXX called on XX/XX/XXXX. I told her I had not received my check. She expressed surprise and told me she would look into the matter. 

Fourth Call : I called on XX/XX/XXXX and spoke to XXXX of Customer Service ( BMO XXXX XXXX. I asked to either see a copy of cancelled check or for them to send me my check. She asked me to wait and give it a few more days. I should have it by XX/XX/XXXX. 

Fifth Call : I called on XX/XX/XXXX, and spoke to XXXX. She verified my current address. I was told the check was in the purged system and a new check is being prepared. It was to be sent by 2 day air on XX/XX/XXXX and be placed in my hand by XX/XX/XXXX. 

As of XX/XX/XXXX I still have not received this check.
Product: Credit reporting or other personal consumer reports

I never heard of XXXX but they are on my credit report 20 times.

I received a list of 21 XXXX loans that I have no knowledge of and are on my credit report. I have been out of school for 30 years and XXXX says I have loans since 2008. I have never heard of XXXX. XXXX says they sold none. I called and asked for proof & account numbers.
Product: Checking or savings account

I signed up for a Citibank Priority Checking acct on their website on XX/XX/XXXX. 

https : //online.citi.com/US/ag/banking/special-offers I deposited $ XXXX as instructed on XX/XX/XXXX to receive a {$700.00} bonus after 60 days. I followed up after 60 days, and I was told by customer service via chat that I did everything correctly and that after the 60 days, I would have to wait another 90 days until XX/XX/XXXX to receive the bonus. 

That date came and went and I received nothing. At that point, I contacted customer service again, and they said that there was no promotion code associated with my acct when I opened it. I never received one when opening, but I used a link to a promotion on their own website that is still active and followed all of their instructions. 

I also see other users on the XXXX  website having the same issue being denied the bonus during the past year or two. I tried to open an appeal case with citi through case ID XXXX and the banker who helped me open it tried to list a promo code that he found. He thought that would increase the chances of my appeal being approved. It was denied. I called citi again to follow up on the appeal but I was getting nowhere and they do not provide any reasons that make any sense. Now they do not respond to any of my requests for an update. I still have my {$50000.00} tied up in their account waiting for my bonus.