23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received court order as to being sued by 3rd party no information to confirm identity 2024 emailed attorneys office stating i was unaware of debt, very little english XXXX bank account along with my children 's accounts frozen money was taken and placed on hold have been repeatedly calling since then. 
reached out to MCM for more information was told to contact another party have been unsuccessful. 


I am struggling XXXX XXXX XXXX  direct deposit have been frozen XXXX XXXX i need to pay mortage and other bills unable to be able to provide for my XXXX XXXX  and other home expenses needed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX  Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/3021 XXXX XXXX  Inquiry : XX/XX/2023 Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX  Date opened : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date opened : XXXX XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  I Inquired on XXXX XXXX ; XXXX XXXX  Inquired on XXXX XXXX XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXnquired on  XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Mortgage

In XXXX me and my ex wife divorced. In the divorce decree I was to take over payment of the house, and she quit claimed deeded the house over to me. We were in Chapter XXXX Bankruptcy before the divorce and I continued making the payments to the trustee and it was discharged in XXXX XXXX. I attempted to contact Ocwen Loan Services to establish a routine pay habit, Ocwen advised me they could not talk to me due to I was not on the account. I argued with them and told them of my situation and that it was a joint home loan, and my ex wife has not been seen or heard from in three years with no way to contact her, and I also told them she was incarcerated and after being released she has been anonymous to anyone. They advised I was nowhere on the account, I again advised them they were in error and asked for an address to send the payment, ( which was not late ), i sent payment which they did not accept. I have been trying to refinance the home and was pre - approved due to my discharge and being remarried and having ample income to support a refinance. I have called Ocwen over XXXX times with the same response, " we can not talk to you '', the underwriters today, XXXX/XXXX/XXXX, did a XXXX way conference call with Ocwen and witnessed the same treatment and agreed it was insane due to my credit report now showing 60 days late on the payment and it is a joint account. I again contacted Ocwen and advised them if it shows up on my credit and that it is a joint account that proves I am on it and I want the delinquency removed from my credit report, they again would not talk to me nor let me pay stating i am not on the account. Now the underwriters stated they could not approve the refinance becaus of the 60 day alleged delinquency. Please help me get this taken care of, also I see many complaints on this company for bad business practice.
Product: Credit card

First, I have previously reported a portion of this issue to CFPB. This is a follow up from what happened since then.Refer to complaint # XXXX. 
As you will see from a review of the record mentioned above, I erroneously sent XXXX to Citibank in early XX/XX/2023. Upon recognizing my mistake I called Citibank for a refund of the XXXX balance on my account- XXXX. They informed me that it would take XXXX weeks. Subsequent to many calls to them and a complaint to you, ( I can provide names and dates of representatives I spoke with throughout this process ) they mailed me a check on XX/XX/XXXX, which I received and deposited into my checking account on the same day - XX/XX/2023. Contrary to my request, they mailed the check instead of direct deposit to my checking account, which they said they could not do. 
Subsequently Citibank, for an unexplained reason, on XX/XX/2023 stopped payment on the check they sent me. XXXX representative said it was because I had requested direct deposit. However, they again needed to investigate whether or not I was entitled to the refund. So it would take even longer to get my money back. The investigation wasn't initiated until I called and informed them of the returned check on XX/XX/2023, when I became aware of the problem. Ultimately Citibank did refund my money on XX/XX/XXXX. They did so by depositing the funds directly into my XXXX account, which they repeatedly said they could not do. 
I speculate that XXXX staff person in particular, who got very argumentative and actually hung up on me, retaliated because of my complaint to you. I believe that conversation took place on or about XX/XX/2023. 
I write now to inform you of this debacle. Hopefully the issue will reach some level of Citibank that can ensure this doesn't happen to someone else. I see no reason why the refund of this money took nearly XXXX weeks to occur. When I need to make a payment, I can have funds transferred immediately. Why is it different for Citibank? 
Lastly, I have delayed this complaint until I felt safe that Citibank could take no further action against me, and I do not intend to do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EQUIFAX the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX  - XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} NXXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00} Original creditor : XXXX Balance {$93.00} Original creditor : XXXX Balance {$1100.00} Original creditor : XXXX Balance {$1000.00} Original creditor : XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Learned from XXXX XXXX notification that my credit score had decreased 5 points on ( XXXX ) due to a open account inquiry by THD/CBNA on XX/XX/2021, and decreased 2 more points on my XXXX credit score on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I cancelled a hotel room and XXXX told me they returned my funds totaling {$370.00} to my bank account. I explained to them I no longer had the Chase account they were referring to. I asked if they could allocate funds to my current bank account ( which they have on file ). They said they needed a letter with proper letterhead of the company stating they didnt received funds on my behalf. I contacted Chase multiple times and they told me they would not be able to supply any such letter. They would only provide a letter stating my account was closed along with a deposit/statement summary showing that no funds had been distributed by XXXX. I went into a bank branch to procure these documents. I sent photos of the documents to XXXX. They told me it still wasnt enough and without the proof theyre asking for they would not assist with re-allocation of funds. They also stated that they have an ARN confirming Chase had successful received money on my behalf. I reached out to Chase again via XXXX. I was told there was the possibility of me receiving a cashiers check. I never received a check. The refund was supposedly sent out XXXX XXXX, 2024 from XXXX. I have called and emailed both agencies multiple times. Both of them have bounced me back to the other and told me they have nothing for me.
Product: Mortgage

Chase reported to the IRS in XXXX that I had received a refund for a house that I sold to my ex husband in XXXX. The IRS in return sent me a bill on XXXX XXXX in regards to the matter. I went to the Chase branch to inquire about this bill that Chase reported to the IRS and was told I needed to contact the mortgage department at Chase. I called the mortgage department at Chase and explained to them I never received the monies they reported to the IRS. I then requested a copy of the cashed check, they emailed me the front of the check with both of our names that was sent to my ex husband address on XXXX XXXX and was advised I had to wait 7 business days to receive the copy of the endorsed check. After 7days they provided the endorsed check that was sent on XXXX XXXX without my name just his. I then had to take a day off from work to call the IRS to inquire what I needed to do to have this corrected. I explained to the IRS what happened with Chase because during all my conversations with Chase I was telling Chase what needed to be done to correct this issue. Chase should of told me what needed to be done to have this corrected about this error they created! Chase wanted me to just tell the IRS about the error instead of them knowing what needed to be done to get this corrected with the IRS. I had to request a copy of my corrected XXXX to be able to have this corrected properly with the IRS and even then they were going to send a copy of the corrected XXXX to my ex-husband home address. I am infuriated that I had to take the day off from work to correct an error that Chase made with the IRS creating an unnecessary bill and furthermore causing me emotional stress in having to deal with my ex husband in regards to this matter! The representative I spoke to is XXXX XXXX most of the time about this case, the multiple conversations were recorded for reference. To-date I have to wait 7-10 business days to receive my corrected XXXX to send to the IRS.
Product: Credit reporting or other personal consumer reports

My purpose in writing is to let you know that I have seen various misleading and incorrect details on my credit report and I want these accounts to be removed immediately. I have already stated my concerns to my letters and kindly send my them to XXXX, Experian and XXXX for further investigations on those accounts which they've furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.
Product: Credit card or prepaid card

I have had an account wi th Citi Bank Best Buy for over 5 years. I recently filed a dispute with  XXXX  about my account history wi th the creditor. After that action was done, the creditor closed my account. They gave me reasons that have nothing to do with my account and m y credit score ha s actually increased over  XXXX  points in the last month or two. They refused to open my account back up and told me that I had a better chance of seeing  XXXX  before they would open my account back up. I want my account reopened or I will file a civil rights law suit against this company and I feel they need to wipe my balance to {$0.00} for the inconvenience.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2018 I had a balance of XXXX for a repossessed truck with XXXX XXXX XXXX XXXX.This account balance was written off as a loss.XXXX  years later the account was turned over to recovery collection company.I agreed to make monthly payments starting on XXXXI made ontime payments until XXXX XXXX XXXX.I was able to get the money to pay off this account at the end XXXX XXXX sent payment in check form to the collector.I requested a payoff letter from collector so that I could update my credit report with all XXXX bureaus.I received that letter dated XXXX XXXX collector did their part by providing that letter.The letter had their company letterhead along with contact information.The letter stated that the account was indeed paid in full.Then I disputed the XXXX XXXX XXXX account all XXXX credit bureaus as paid in full along with a copy of the letter.Transunion and XXXX immediately updated that closed account as paid in full XXXX my credit report.However the problem that I am having is with Experian.After XXXX failed reinvestigations with attached letter ; Experian refuses to change my credit report.I did contact the XXXX XXXX by phone as well.I have no problem with the collection company.They did their job.My problem is with Experian doing their job.If they had any doubts, all the contact info is in that letter. 
Thanks for your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Navy Federal Credit Union has violated the Equal Credit Opportunity Act by using false, misleading and discriminatory tactics to obtain and use consumer reporting agencies to denial rightful extension of credit. 

I provided private information at the time which I was made to believe was required in order to obtain a loan. I later found these requirements violated the ECOA, Privacy Act and the Consumer Credit Protection Act. I have a right to privacy and I was coerced into giving up that information. 

I am now demanding return of application submitted and recession of signature given because no consideration was given in exchange for my collateral. I demand that Navy Federal provide verification in sworn affidavit form of verified negative items on consumer credit report. I demand an affidavit of facts for denial of extension of consumer credit after taking application for use. 

I am seeking for damages as credit is a right and using unverified and inaccurate information to deny me that right is damaging to the consumer.
Product: Credit reporting or other personal consumer reports

NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!!

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - XXXX XXXX XXXX Experian XXXX - XXXX DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXX XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed XXXX form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT
Product: Bank account or service

I took a hardship withdrawal from my XXXX account and the funds were sent via ACH from XXXX XXXX XXXX to Commerce Bank. Commerce returned the check when funds were available causing an additional hardship as the monies were for repairs on our home and medical expenses. ACH received on XX/XX/XXXX, Check presented on XX/XX/XXXX and returned the check on XX/XX/XXXX. My wife returned early from being with our son in North Carolina and I returned early from a business meeting in XXXX as a result of this check for {$21000.00} being returned. 
A call was placed into Commerce on XX/XX/XXXX to the personal banker, no reply. No letters or information has been shared previously indicating that our account was subject to any set off, etc.