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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and Goldman Sachs. The bank that has reported an unfair and unethical delinquency is Goldman Sachs. I opened an Apple Card with Goldman Sachs in XXXX of XXXX. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/XXXX, XXXX several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of Goldman Sachs that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at GS bank. Several months later I found out this was not true as my XXXX XXXX decreased for this very reason. I have talked to several members at both Goldman Sachs and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where Goldman Sachs passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with XXXX twice who then circles back with Goldman Sachs who states that the delinquency is correct. Goldman Sachs states that XXXX marked the charges as " unauthorized '' and XXXX states that Goldman Sachs pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that Goldman Sachs tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from Goldman Sachs which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.
Product: Credit reporting or other personal consumer reports

I SENT A LETTER OUT ON XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, equifax however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Debt collection

VIOLATION OF FDCPA 15 USC 1692c (c)
 CEASE AND DESIST
 TO THE CFPB:
IN THIS COMPLAINT I AM SHOWING A WILLFUL VIOLATION OF A CEASE AND DESIST LETTER MAILED AND RECEIVED BY AR RESOURCES WITH PROOF THAT THE COLLECTION COMPANY SIGN AND ACKNOWLEDGE AND CONFIRM RECEIPT ON 08/12/2023. AS SHOWN BY THE U.S. POSTAL SERVICE CERTIFIED MAIL PROOF OF DELIVERY DOCUMENT.
WITH THIS BEING SAID AR RESOURCES WAS FULLY AWARE OF ME EXERCISING MY RIGHTS UNDER THE FDCPA 15 USC 1692c(c). WHICH I CLEARLY SPELLED OUT IN MY CEASE AND DESIST LETTER.
SINCE THEY DISREGARDED MY RIGHTS I WILL BE FILING LEGAL ACTION IN MY IN COURT OF MY HOME RESIDENTCY WHERE THE VIOLATIO OCCURRED. THIS WILL BE DONE.
ATTACHED TO THIS COMPLAINT YOU WILL FIND VERIFIED PROOF OF THE COMMUNICATION DOCUMENTED WITH DATE AND TIME OF COMMUNICATION COMING FROM AR RESOURCES OF WHEN THE VIOLATION OCCURRED XXXX  AT XXXXXXXX XXXX  FROM ONE OF THEIR BUSINESS NUMERS EXTENSIONS FROM THERE LOCATION.
THIS FDCPA VIOLATION OCCURRED AFTER RECEIVING THE CEASE AND DESIST LETTER ON XXXX XXXX  AS SHOWN BY THE ATTACHED DOCUMENTS. THIS SHOWS AR RESOURCES VIOLATION OF THE FDCPA AND CAN BE PROVEN IN A COURT OF LAW AND WILL BE PROVEN IN A COURT OF LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, US Bank did a forced XXXX action of the amount of $ XXXX out of my checking account without any prior authorization or notification to me of doing so. Supposedly for an overdraft in XXXX that I did not know about nor was notified of. This is in violation of federal banking laws with US Bank not notifying me, as an account holder. I am a 100 % XXXX  disabled and I will also file a complaint with them as I am now unable to live and afford my healthcare.
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquiries multiple times with EXPERIAN and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. please remove these immediately as the do not belong on my report, and they are affecting my quality of my life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am writing to dispute a debt collection notice I received from your agency, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Upon review of the notice, I have identified several discrepancies and potential violations : The following account is not mine LVNV FUNDING LLC Account Number : XXXX This account is not mine. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you p
rovide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA. 

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Product: Mortgage

During the XXXX XXXX XXXX XXXX8 I had a problem paying for a mortgage. I did a loan modification. It took Wells Fargo XXXX years to modify my loan. Wells Fargo accumulated additionally {$300000.00} in fees and added to my mortgage as a second mortgage. I asked Wells Fargo many times to give me a break down of all the accumulated charges, and Wells Fargo declined.
Product: Checking or savings account

PNC Bank charged hundreds of dollars on overdraft charges. from an account from XXXX XXXX XXXX. Between the amounts of {$7.00} a day to {$21.00} and {$36.00} a day. They have not been forth coming and unprofessional to say the least. I had no idea of this until XXXXXXXX XXXX XXXXXXXX. I also had another account in XXXX and never new of a balance in XXXX, never was told or informed. They charged me total of {$450.00} in overdraft fees. They have refused to correct or do anything. This all stemmed from a claim they denied totaling {$110.00} and overdraft charges of {$450.00} totaling {$560.00} from the year of XXXX which is outrageous.
Product: Checking or savings account

Chime Closed My Account XXXX XXXX, 2021 due to too much funds in my account / unemployment money. I been contacting them to returning my funds since XX/XX/XXXX. Everytime I call chime customer service hangs up on me. I trying to get my {$2700.00} back. I have been sending them the information chime needed to return my funds and they still have not returned my funds. Today is XX/XX/XXXX ,2021 and I still do not have my money. Im late on bills because of this.
Product: Prepaid card

Attn prepaid claims Claim number : XXXX Amount XXXX Bank of America XXXX : prepaid card operation Here I have attached an addition police report in reference to claim Number : Claim number XXXX The response I received regarding my original claim with CFPB and your department, stating that the transactions were authorized by me or someone I authorized, is entirely false. The address where the card was supposed to be delivered had been compromised and broken into multiple times. As I mentioned before, I never received the card and did not authorize any bank charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XX/XX/XXXX****, XX/XX/XXXX XXXX****, XX/XX/XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XX/XX/XXXX XXXX**** and XX/XX/XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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 XXXX XXXX
Product: Mortgage

We have tried to sale the property but have not received any full price offers. We have had 2 private investors make several promises and back out. 

We also had a contract with XXXXXXXX XXXX and they backed out 2 days before closing. Since then the house has been back on the market.
Product: Mortgage

On XX/XX/2021 I started a conversation with Mr. XXXX XXXX ( Mr. Cooper rep ) discussing a refinance of my home, I asked Mr. XXXX the average of what rate I can get, he told me I can have XXXX through XXXX, I was very clear asking him without buying any point and he told me yes. 
After he pulled out my credit the story was different. He offered me 3.250 % with my wife on the application and then with myself 3.125 %. 
I asked him why he told me another rate, he said you can have XXXX but buying point. 

Here is the email I sent to him, never answer : Hi XXXX, Just to let you know I am disappointed with how things turned out, when we started our conversation at the beginning you told me I can get a rate between XXXX to XXXX, I was clearly telling you without buying any point and you told me yes. 
it is very clear that your intention was to run my credit, It was very simple to say you should not do it, wait for a better rate. 
I can't believe these absurd numbers you sent me, please don't try to reach me out. 

Thank you XXXX
Product: Credit card or prepaid card

Please refer to previous complaint XXXX with the CFPB. A woman named " XXXX '' from Citi Bank Executive Office called my phone number ( XXXX ) XXXX at XXXX XXXX  XXXX leaving a message of XXXX seconds. I was at work and could not receive phone calls. " XXXX '' message DID NOT resolve my issue of having restrictions of multiple verification hold placed upon my credit card account with Citi Bank. 

A woman from Citi Bank called ( and did not leave her name ) on XX/XX/2023 at XXXX XXXX  XXXX leaving a message for XXXX seconds. Again, I was at work and could receive phone calls. The representative from Citi Bank did not resolve my issue of having restrictions of multiple verification holds placed upon my credit card. 

Citi Bank is evading the concern and repeatedly discriminating against me as a customer by continuously asking for my address ( abusive surveillance ) while utilizing skip tracing and workplace address and phone ( for purposes of harassment ). Citi Bank when the information has been provided over the phone to Citi Bank account representatives, Citi Bank account representative then deny my request for transaction - opting to repeatedly send letters requiring me to call to provide the same information only to have my credit card transactions declined by CitiBank. 

In Citi Bank 's response letter, Citi Bank lies about my phone number not being on file for verification purposes. It is the same phone number that I have used to request a new credit card as well to verify purchases. Citi Bank is discriminatory because they do not harass consumers who have savings accounts with the credit card company. Citi Bank does not harass consumers with low balances. Citi Bank does not harass XXXX and XXXX  who have high credit scores. Citi Bank has made using available credit extremely hard despite me paying the minimal payment or more a month- not having been late with a payment in the current. Also, Citi Bank just started this process this year and did not restrict use of my credit card years prior DESPITE never going over my credit limit to the current. 

If the CFPB supervises Banks ( credit card companies ) to ensure these institution do not practice discriminatory practices to consumers, then why are these institutions and organization being able to be their on judge and jury in-house to solve discriminatory issues and unfair consumer business practices. Citi Bank continues the same practices and CFPB assists CitiBank with not resolving issues that many Americans frown upon even though CFPB has an Ombudsman... Congressional representatives should look into this Agency for XXXX XXXX XXXX  with the financial institutions CFPB was created to protect consumers from.
Product: Debt collection

Over the course of a year, beginning XX/XX/2021, XXXX XXXX XXXX XXXX XXXX  has requested payment for debt already paid. Based on the attached document, we have gathered email threads indicating proof of payment for these services that were sent to the XXXX and additionally noted false claims from the XXXX. The XXXX has sent us to collections without notifying us after we have responded to all emails to clear their accounting errors.
Product: Debt collection

THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT WAS " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR : ALL STATE SOLD TO : XXXX XXXX XXXX XXXX XX/XX/year> {$620.00}
Product: Credit reporting or other personal consumer reports

This second time filing a complaint with XXXX and Experian about the account XXXX on my account. I have filed FTC and Police Report I spoke to representative on yesterday, with XXXX told me that had information, but their not going to do anything. This NOT RIGHT and CFPB is not helping too much either.
Product: Debt collection

I paid XXXX XXXX for debt owed to XXXX in XXXX, 2018. I have DCI Consultant coming after me for the same debt. I repeated call DCI and XXXX to let them know that I paid XXXX XXXX, who said they were the orginal debt collocter, therefore I have 2 debt collectors coming after the same debt. I just spoke with DCI this week to no avail, and I called XXXX and they will not return my call. This has a negative impact on my credit report and I would like to get this resolved immediately. 

Thank-you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject XXXX Debt Validation Dear, Portfilio Recovery I am writing regarding a notice I received concerning an alleged debt in the amount of {$620.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor.

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated.

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a Citi checking account about 8 years ago. It was free as long as I did 2 online transactions a month. So I did direct deposit and an auto draft free for my health insurance. 

Along the way Citi started fees. now, they want {$25.00} a month AND gave me no options - like to convert to a fee free checking account. I am XXXX with XXXX XXXX and XXXX failure. I can not afford a $ 25 monthly new fee. 

I asked them to refund the fee and try to find me an alternative checking account to avoid the fee via chat on XX/XX/2020. They declined my request to refund the fee and gave me no options for another account.