23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Citi Bank Litigation Support Unit To whom it may concern, My name is XXXX XXXX. My Citi Bank checking account number is XXXX. Sometime between the end of XX/XX/2021 and the beginning of XX/XX/2021 my account was restrained. Upon calling I was informed it was restrained due to a request by child support enforcement. As I am currently in disputes with that matter in family court, I chose to take no action at the advice of my attorney and allowed the process to take its course. My account was released and on XX/XX/2021 a debit in the amount of {$660.00} was taken from my account and said to be routed to Child Support Enforcement. This amount more than doubled the debt in question of {$300.00}. However I understand the judgment process so I have no issue regarding the amount taken. My issue which is far more urgent and frankly devastating at this point, is that Child Support Enforcement never received the payment. This has resulted in my license being suspended and them sending another request as of XX/XX/2021. Such actions have resulted in loss of wages due to my inability to operate a motor vehicle, putting my business at risk. We are already in very trying times and I would hate to lose my business to a chain of events caused by my banks mishandling of such a serious matter. I am distraught and as a provider this puts me in concern for my families future. I am a XXXX man in America I can not risk a encounter with police for operating my vehicle with a suspended license it could cost me my life. I have been trying to resolve this matter for almost two weeks and I think it is insane that I have to continue to fax letters in hopes that someone will get back to me. There should be a more appropriate channel for such urgent matters. This is my last attempt before taking legal action and reporting this to the Consumer Financial Protection Bureau. My debt is now at {$390.00} it has Accrued a additional {$90.00} since the money was taken from my account over a month ago. Which is crazy because Citi Bank took {$660.00}. But my most prevalent issue is my inability to provide for my family without risking my freedom and possibly my life due to Citi Banks mishandling of the situation. To date I have lost {$3000.00} in wages and continue to lose business that will result in larger potential losses over time. If legal action is required to resolve this matter I will be seeking compensation for all loses caused by this negligence. As well as the trauma it has caused my family. I have made numerous attempts and have been told all I can do is fax and wait for someone to get back to me. Be advised this is my second fax and I pray it reaches someone with compassion and understanding. All I want is this nightmare behind me so I can continue with my life. I can be reached at ( XXX ) XXX-XXXX or ( XXX ) XXX-XXXX or emailed at XXXX Thank you
Product: Checking or savings account

There were multiple XXXX $ transaction using zelle and XXXX XXXX $ transactions that I did not to do I do t know what they are for but it has made me behind on Bill 's and they tell me that it could b another 10 days b4 I can get my funds back and then it's only going to v part of them. I have called talked the the draud department multiple time on this
Product: Credit reporting or other personal consumer reports

The company has failed to properly investigate the items below and I asked for specific guidelines during the investigation. It is past 30 days and I would like the accounts removed. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) The name and last known address of the debtor as it appeared in the creditor 's records prior to assignment. 

The names of all individuals or entities, if any, to whom this debt has been assigned. 

Additionally, please provide a copy of the contract or any document evidencing my agreement to the debt. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you update my credit report to reflect accurate information. Please ensure that any contracts or agreements provided correctly spell my name and address and include authentic signatures, whether digital or handwritten. 

I have been disputing this debt for the past two years, during which my credit has suffered significant damage. Despite my efforts, neither Experian nor XXXX has received adequate proof f confirming that these debts are valid and attributable to me. If you can not validate and verify I expect immediate removal from my credit file. 

Furthermore, I have observed that certain accounts, previously removed, have resurfaced on my credit report as of XX/XX/XXXX XXXX. For instance : XXXX XXXX XXXX Account : XXXX Status : Deleted XXXX. XXXX, XXXX Account : XXXX Status : Deleted Additionally, a XXXX  XXXX account, allegedly opened in XXXX, remains on my credit report without any balance or pertinent information. I am unfamiliar with this account and request its removal. 

I am prepared to seek monetary damages as permitted under the FCRA if these issues are not promptly addressed. I believe that the continued reporting of these unverifiable debts constitutes a violation of my consumer rights. 

Please consider this a final formal dispute and a request for validation. 

there are many laws under the FCRA that protect me. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : This section outlines the responsibilities of credit reporting agencies to conduct a reinvestigation of disputed information within 30 days of receiving a dispute.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Establishes the right for consumers to request validation of a debt from debt collectors. This includes : Proof that the collector is authorized to collect the debt. 
A breakdown of the balance, including fees and interest. 
The original creditors details and the date of delinquency or last payment. 
15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representation of debt in collection efforts.

15 U.S.C. 1692f : Establishes communication guidelines, ensuring debt collectors respect privacy and do not engage in harassment. 

Requesting proof of authorization to collect debt ( 15 U.S.C. 1692g ).

Requesting a copy of the original agreement ( relevant under both FCRA and FDCPA ).

Demanding correction or deletion of unverifiable information under 15 U.S.C. 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was not accurate and improper use of my credit report, nothing was deleted. Additionally the creditor agreed to remove account and did not. The consumer reporting agencies which is transunion and XXXX did not properly conduct a thorough investigation for all information for account with XXXX XXXX XXXX : The status updated is not correct, status, balance updated, payment history on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attach my previous credit report and my new credit report to show how transunion and XXXX violated my rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed has neither corrected, disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I found the account on my XXXX report, XXXX XXXX, I have no knowledge of this account. I have no knowledge of the original creditor. I have never been contacted by the collection agency nor the original creditor. According to the FCRA act I should have been contacted by the creditor. I have sent certified letter to the debt collector asking for validation which I have not had any communications from the debt collector
Product: Credit reporting or other personal consumer reports

I have filed several disputes about this account payment history reported along with requesting the data furnishes name person that validated this account and their phone number, I ALSO REQUESTED THE DOCUMENT THAT THE CREDIT BUREAU SENT IN AMD THE PERSON WHO SENT IT. I also requested the actual documents sent to the bureaus to validate these late payments, I have never received these documents that under the law I have a right to In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC Account, XXXX XXXX has violated my rights. 
1 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) b ).

And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit card

hhgregg / Synchrony bank / GE capital involved in predatory lending when they sold me home appliances. They labeled their lending as interest free. They never send me any paper statements showing that they were charging me interest. Lender asked me to provide my bank account number so they can setup automatic payments, and promised me that they will not charge any interest when I gave them my checking account number. 
they have charged me XXXX in interest over last 3 years and I sill have half the outstanding balance. Lender used tricks in me thinking that I was not paying any interest by not sending any paper statements. 
I am requesting full refund of all the interest I have paid in this account.
Product: Mortgage

This complaint relates to Select Portfolio Servicing Inc ( SPS ) lying to me and to CFPB in their response to CFPB. In my complaint # XXXX to CFPB, I mentioned that SPS made an unauthorized withdrawal from my escrow account to pay insurance when my insurance was already fully paid until XX/XX/2024. In their response to CFPB, SPS said they did the right thing in paying for the insurance due to their receipt of a Declaration from the Insurance company. They attached that Declaration with their response to CFPB, which I am reattaching here. This payment was unauthorized and illegal for 2 reasons : 1. I never asked SPS to pay for the insurance because it was already fully paid until XX/XX/2024. 
2. The Declaration, that SPS attached as an excuse for their wrongdoing, clearly says " This is not a an Invoice/Bill. ( See Page 3 of Attachment, which is the same that SPS provided to CFPB in Complaint Number XXXX ). So why did SPS take my money from my escrow account to pay insurance when there was no bill and claim they did the right thing? They lied point blank even in their correspondence to CFPB, an organization that has teeth. Imagine how they have bullied and lied to me.

3. This illustrates how SPS has been providing me with extremely poor customer service. Their representatives have been giving me contradictory answers due to the lack of training they received. I feel bad for the front line reps who have to deal with frustrated consumers like myself when it is not their fault. It is SPS ' bizarre internal processes that give bad image to their staff and cause monetary damage to consumers. 
4. By law, SPS had 30 days to put the escrow balance in my hand. They did not send out the real money until XX/XX/XXXX, almost two months after they closed my escrow account. Their saying they mailed the first check out on XX/XX/XXXX was a lie. Others customers complained on CFPB website and to XXXX about same issue. They never truly sent out the first check to buy another 30 days with money in their pocket so they can make money with it. 
5. I want an apology from SPS and payment of {$300.00} to me for the 5 hours I spent on the phone chasing down the unauthorized insurance payment SPS and the extra days they kept my escrow balance refund If a consumer mortgage payment is late, SPS charges late fee. They were late in refunding my escrow and they wasted my time through their unauthorized payment. They should compensate me. Fair is fair.
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 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 : XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identitytheft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for proof of these charges XX/XX/XXXX because this is damaging my credit score and I did not have a XXXX XXXX Account during these dates. Also they both have the same date of last payment and were closed within 1 day of each other. They also indicate that I supposedly opened one Credit card in XX/XX/XXXX and then another with them on XX/XX/XXXX. the credit limits were {$400.00} and {$700.00}. There would be no reason for me to apply for another card with the same bank and only get {$300.00}. I would just request an increase. These are clearly duplicated. 
Please see items below XXXX XXXX XXXX XXXX XXXXXXXX {$950.00} XXXXt XXXX XXXX  XXXX {$680.00} I have asked them for all documents including the application and/contract. I have received nothing except a Transunion letter dated XX/XX/XXXX stating that the information was verified. How was it verified? They did update the historical data but have provided none of the requested information to me.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Mortgage

I applied to refinance my current mortgage with TD Bank. I was not able to complete the process as the Appraiser for the bank under valued /depreciated my CO-OP unit. 
I believe that it was discriminatory and deliberately done. I spent a lot of time and effort trying to get this done.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature.

This dispute is submitted personally, not through a third party, and I request your careful review. I never authorized these actions, and their presence on my credit report violates my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting stems from a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I request immediate investigation and correction of these inaccuracies. Your prompt attention to this matter is required and appreciated.
Product: Student loan

I have Federal Student loans held by XXXX, which was supposed to be previously with XXXX XXXX. As we know, in the past, XXXX XXXX launched XXXX in XXXX, so that they may still be involved in the federal loan servicing business, while wearing a different identity. 

However, throughout the years, there have been no improvement, as we know that XXXX had gotten into a XXXX XXXX settlement agreement recently in order to settle litigation due to their unfair practices and predatory loans made out to students, including myself. 

XXXX also had a contract with the U.S. Department of Education, from which I had filled out an Inability to benefit form both to XXXX, and to the U.S. Dept. of Education in XXXX. It just so happens that when I discovered my Federal loans with Navient were transferred to ECMC, I had also gone out of my way to make sure ECMC was aware of my Inability to Benefit application, which I had sent out to them via U.S. Postal mail, via Certified mail and signature request. 

In a recent letter dated XX/XX/XXXX, ECMC had sent me a letter stating that loans made EDUCATIONAL CREDIT MANAGEMENT CORPORATION/ECMC will be assigning the loans to XXXX, who would then be servicing the loans on behalf of the Department. 
Please take note of the abusive practices of these companies. Not only are Student loan servicing companies such as XXXX XXXX chosen to create a separate identity to remain in the student loan market, it had been transferred to XXXX, and then XXXX to ECMC, and now ECMC onto XXXX, all which I havent ever authorized. 

None of these transfers hold any of my signatures or agreement in the matter. It is also interesting to observe these companies sweep These toxic issues under the rug, by looking away and pretending nothing ever happened. 

Also, XXXX had gotten me into a loan settlement offer, which I paid {$5000.00} to settle my student loans. It just so happens they made me pay this settlement offer in XXXX when they already knew they were being sued. Therefore, they also took all they could on their way out. 
I am requesting that my Federal student loans be cancelled due to the entire toxic loan and predatory lending practices I had fallen victim to, based on these companies playing games. 

I had never received a resolution or response on my inability to benefit form/application, and I made sure XXXX, the US. Dept of Education, and ECMC all had the same form, as I made sure they all received my complaint/application. I had given all parties sufficient and beyond reasonable time to ethically provide me with resolution in the matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XX/XX/2018 I was contacted by a company named XXXX XXXX XXXX is XXXX XXXX a part of XXXX XXXX XXXX informing me that they where calling to collect on rent that was owed to my previous apartment complex in the amount of about {$1100.00}.

I informed multiple employees over the phone that my rent was paid on time and I had multiple forms of receipts and payment confirmations for the months in question Available upon request.

I was told the person whose job it was to check the emails for claims was not at work at the time. And was told Id receive a back.

XX/XX/XXXX I contacted them after not hearing back. I was told I needed to resend my payment confirmation emails because they where not able to find it due to a typo in the subject line. I did so and have not heard back sense I am worried that this is not resolved and my information might be given to another debt buyer soon.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit report that are fraudulent on my Equifax that damaged my credit score Im not able to come a home owner because of this matter I need these inquiries to be removed XXXX XXXX inquiry date : XX/XX/22 removal dateXXXX XXXX XXXX XXXX inquiry XXXX removal date:XXXX XXXX XXXX XXXX inquiry dateXXXX removal date:XX/XX/XXXX XXXX XXXX XXXX inquiry dateXXXX removal dateXXXX XXXX XXXX XXXX inquiry dateXXXX removal dateXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Product: Payday loan

I have been receiving harassing threatening phone calls from a company called XXXX phone number is XXXX. Telling me they are suing me on the behalf of a EZ Corp payday loan. That they are coming to my work and home and calling my boss and relatives. They have already called my husband twice. I told them I do not recall ever making a loan from ez corp. what can I do to stop this?