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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX has 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
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against CITIBANK N.A. for committing identity theft. I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from CITIBANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CITIBANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from Clearfield Trust Co. V. United States , S.Ct. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

Received a call from a restricted number, so I let it go to voicemail. 15 minutes later I get a call from my wife telling me she received the same call and it was from an Independent Process Server named XXXX XXXX, from XXXX XXXX County. She was informed I would be served papers tomorrow, and if I had any questions to call XXXX and provide the case number she left. 

I called the number and a woman answered and asked how she could help. I stated I received a call from this number. She said that they do not make outbound calls. She asked if I was given a case number, which I proceeded to give her. She said since the papers were set to be served tomorrow, she'd have to go grab the hard copy and put me on hold. She came back and wanted to verify my information starting with my Social Security number. I informed her I would not give this information, and started asking questions about her company. She became very defensive, but did tell me the name of the company was XXXX. I said I couldn't find any information on the company when searching by name, or phone number, and she said " that's how you know its not a scam. '' I proceeded to tell her it was a scam, so she told me good luck with my papers being served tomorrow. 

I called back 15 minutes later, after doing more research. A different, male employee answered this time. I asked for the address to the company, which he said was XXXX XXXX XXXX, XXXX, TX, but I did not catch the XXXX XXXX. He also made it very clear that they do not make outbound calls from this number. I disconnected shortly after. 

From what I can tell, a fake Process Servant calls from a restricted number and basically tells user they will be served papers tomorrow unless they call the XXXX number her/or she provides. Forcing you to call the " debt collector. '' Bottom line, I have NO debt in collections, or close to it. This is a complete scam
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion, XXXX and XXXX. 

Please delete the following accounts : XXXX BANK, Acct number XXXX, XXXX. {$760.00} XXXX CREDIT, Acct number XXXX, XXXX. {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Amount {$700.00}, has 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

the company missed my private information and now I have credit issue and id theft on my bank account the company also lied to me about what was being charged i want this zero out and no balance do cause of there issues my phone is getting harrassing calls also the company is disrepectful and rude and does not care at all
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We went to BB & T bank to get a pre-qualification letter for a XXXX home or investment property. we wanted to use them because we already have XXXX loans with them and have been customers of theirs for years. We gave the mortgage professional there all information she asked for and we were pre-approved. we took our letter and stated looking. We soon found a rental property ( duplex ) and made an offer well in our budget. the offer was accepted and we called XXXX to get everything going on this property. We had to get them a few more documents but all was going well. She said she even wanted to do a fast close since everything was in order which was fine for us, the duplex already had tenants in place, so it was all ready to go. We were putting money in our pocket after making our mortgage payment, a win win situation. Well a week before closing, which was scheduled for XX/XX/XXXX, we started this a few days before XX/XX/XXXX, BB & T called, and said we could not get the house. they determined that they were going to need XX/XX/XXXX tax returns!!! That will take months!! They did n't think of this before we started this whole process?? We had already paid for inspection and radon tests {$440.00}, appraisal fee {$530.00}, and who knows what could come from the title company because they were done with their work as well. Our realtor was boggled to say the least as well as us, we were very irritated with BB & T foe letting us get this far!! Now the Mortgage professional says we can not get any of that Money back. All she said was sorry. She also did n't even know it was a rental ( duplex until I told her a few weeks into all this. She had all the info on the property from our realtor. What was she doing!! Please help.
Product: Debt collection

Ive sent letters to XXXX XXXX XXXX and Credence Resource Management ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at XXXX and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX, XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft going back to 2018 which I was insured through Experian. I have an open claim with XXXX their insurance company who handles identity theft claims once they are deemed valid. Ive now had someone file taxes in my name I e called Experian trying to get things removed and frozen they have refused to let me talk to a supervisor or help in any way even though I was insured for XXXX XXXX dollars Ive spent hundreds and thousands of dollars since 2018 trying to clear this up with no reimbursement from them. To make matters worse I received a threatening letter from them today accusing me of never filing a police report which Ive filed XXXX and every time I tried to upload it to their attached email they provided it never went through. I called and again was transferred over 8 times with no help, I have all of this recorded and will upload all of my documents. This company needs to be held accountable for false advertising, you are not insured for XXXX XXXX dollars much less XXXX. They will not help you when your identity is stolen and when you call to get help they will transfer you until they close so no one has to deal with the problem. I have all this recorded which I did let them know I was recording the call.
Product: Checking or savings account

I signed up for text alerts and they dont send alerts. In the middle of the night charge overdraft fees. They charged me so many fees. Because their system is not working.The bank said that alerts were perks and they dont have to. I filed a complaint. No resolution.
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 accounts 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. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

My phone was stolen and the person XXXX  {$1000.00} from my checking account with chase to himself. Chase returned the money and a week later gave it back to him stating they found nothing fraudulent.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!
Product: Checking or savings account

There is a transfer of {$11000.00} and I have no clue how it got on my account nor any clue on who did but I am aware I do not have access to the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit card or prepaid card

For last two months, I have made an electronic payment to Capital One on credit card ending in XXXX. Each time, I received an email notifying me the payment was late. I, in turn, checked with my bank only to learn that the electronic payments were submitted and paid timely. When I contacted XXXX about the same, I was to by " XXXX '' that each time, I underpaid the minimum amount due -- {$230.00}. First, XXXX  never informed me about the sudden, substantial minimum payment increase. and second, that it supposedly wavered last month 's late fee. 

Each time I have filed a consumer complaint against Capital One, I have been retaliated against.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.Code 1681ie ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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. 
Please remove the following items from my credit report, immediately : 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

In accordance with the fair credit report act Comenity bank/ XXXX, XXXX XXXX XXXX XXXX XXXX credit card has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes.
Product: Credit card or prepaid card

I have been making payments to my capital one credit card and they continue to report me as late. XX/XX/XXXX my statement ( due date XX/XX/XXXX ) stated I owed {$200.00}. I paid on XX/XX/XXXX {$470.00} ( because I also owed XXXX so at this point I was 30 days past due ) I was told this amount did not count towards my payment due although online and on the phone when I made the payment on XX/XX/XXXX the minimum due was {$470.00}. I had asked the rep why it was being reported as the minimum due on the phone via customer service, on the capital one app under my account, and online under my account info as the minimum due if it wasnt actually he minimum due. She said that she couldnt help me to file a dispute. Moving forward to XX/XX/XXXX my statement ( due XX/XX/XXXX ) reports I owe a minimum of {$160.00} I then get an email 4 days later ( XX/XX/XXXX ) saying my payment had been returned therefore my minimum was now {$750.00} Between XX/XX/XXXX and XX/XX/XXXX I received 6 emails stating that I had to pay a minimum of {$750.00} to bring my account out of collections and current therefore I paid it on XX/XX/XXXX in the amount of {$750.00} I then on XX/XX/XXXX received a notification that my account is still past due now 6 payments and that Im faci a charge off. I called the company spoke to three reps all telling me my {$750.00} payment meant nothing I needed to make another {$780.00} payment to bring it current although the emails and phone customer service and online account said minimum payment due was {$750.00} which I paid
Product: Credit card or prepaid card

I use XXXX XXXX XXXX online banking for the ease of : a ) removing the need for paper bills to mailbox & possible identity theft, b ) extensive electronic relationships provide expedient & efficient payment. 

However, some times due to any number of reason outside of my control, the creditor does not receive timely payment. Case in point against Barclay now seeks to charge {$25.00} late payment, but it's not my issue of their communication with XXXX.. 

I refuse to be charged late fees for matters outside of my control and DEMAND it removed from my bill.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Student loan

Once again, on XX/XX/year>, I called to make payment to my XXXX XXXX XXXX. At around XXXX a.m., I spoke with associate XXXX XXXX to initiate and confirm payment. He acknowledged the bank account that AidVantage already had on file to complete the transaction. He provided me with a confirmation number ( # XXXX ), sent me a confirmation of payment email, and I saw the payment reflected on my AidVantage Account. However, on XX/XX/XXXX, and XXXX, I received a notification from AidVantage claiming that payment was rejected because my bank account couldn't be found. But the bank account AidVantage claims they can not find is the same account that they took {$1200.00} dollars out on XX/XX/year>.
Product: Debt collection

This firm gave a response to the Consumer Finance Protection Bureau ( CFPB ) in case number XXXX that the matter has been closed with the firm and returned back to the original creditor. However, the firm has not deleted the entry from my XXXX credit report.