23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject : Complaint Regarding Collusion, Retaliation, and Unfair Practices by Citibank and XXXX XXXX XXXXXXXX XXXX Leading to Foreclosure I am writing to formally file a complaint against Citibank and XXXXXXXX XXXX XXXXXXXX XXXX ( " XXXX '' ) for engaging in collusion, retaliation, and unfair practices that directly led to the wrongful foreclosure of my property. Their actions violated principles of fairness, transparency, and consumer protection, and I am requesting your investigation and intervention into this matter. 
Background Information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of Allegations : XXXX. Collusion Between Citibank and XXXX Mortgage XXXX XXXX : Citibank concealed its settlement and agreement with XXXX while simultaneously extending my litigation timelines, depriving me of the opportunity to properly challenge their actions. This undisclosed settlement was designed to prioritize XXXX lien over my interests, violating principles of transparency and fairness.

2. Retaliation Through Credit Card Closure : During ongoing litigation, Citibank retaliated against me by closing my credit card account without justification. This punitive act caused significant financial harm and exacerbated the distress caused by their collusion with XXXX. The closure of the credit card further limited my ability to manage my finances and undermined my creditworthiness during a critical period. 
XXXX. Unfair Practices Leading to Financial Harm : Citibank recorded a Certificate of Satisfaction for its XXXX on my property in XXXX, yet continued litigation without disclosing this critical information to me or the court. The timing of the XXXX strongly suggests that Citibank and XXXX entered into a secret arrangement to my detriment. 
4. Misrepresentation and Concealment of Key Information : Citibank falsely represented to the court that I did not oppose certain motions, when in reality, I could not oppose matters deliberately concealed from me. This misrepresentation compromised the judicial process and denied me my right to protect my property. 
XXXX. Unjust Foreclosure : Through collusion and strategic timing, Citibank and XXXX engineered the foreclosure of my property. Their coordinated efforts deprived me of fair treatment and placed me at a significant financial and emotional disadvantage. 
Relevant Evidence : XXXX of Satisfaction : Documented evidence showing that XXXX XXXX was satisfied in XXXX, well before certain motions were filed in court. 
Financial Impact : Evidence of financial harm, including credit reports, foreclosure documents, and the closure of my credit card account during litigation.
Product: Credit reporting or other personal consumer reports

I've been challenging these false and fraudulent accounts, thus I'm asking for this account to be deleted. I also included an FTC, which I am included in this one as well.
Product: Debt collection

Credit Control , LLC. contacted me via email onXX/XX/XXXXXX/XX/XXXX regarding a debt / collections matter for the amount of {$900.00} ( the Correct Debt Amount should have been {$760.00} ). On that same day, XX/XX/scrub>XX/XX/XXXX I recognized the original debt, so I reached out to Credit Control , LLC. to pay the debt. From XX/XX/scrub>XX/XX/XXXXXX/XX/year>, I have made numerous attempts to make contact with Credit Control , LLC. to the phone number listed on their email and my calls have been within the business hours listed in the email to no avail. Credit Control , LLC. has a voice-recorded operator asking to leave a voicemail and Credit Control , LLC. will return your call as soon as an agent is available, but they never return your call. As of XX/XX/year> ; after numerous calls and voicemails with no callback from Credit Control , LLC. to collect payment, I can only assume Credit Control , LLC. is purposely and maliciously ignoring me to keep this account on my credit report, and I also assume Credit Control , LLC. is waiving my financial responsibility to this debt as they REFUSE to communicate with me.
Product: Credit card

I have had a XXXX XXXX card for years. I went to an XXXX XXXX store in XX/XX/XXXX 2024 and attempted to use my card, and the store associate told me that it was no longer active and I would need to apply for a new one. I did so in the store, and received an email on XX/XX/XXXX/24 indicating I had been approved with credit line of {$500.00}. This is through Barclays. 

A few weeks later and WITHOUT MY REQUEST OR CONSENT, I received another notice from Barclays that my credit line had been increased to {$10000.00}. 

I immediately called Barclays and told them that I didnt authorize this and needed it reduced immediately. They told me they couldnt reduce my credit line without submitting another credit inquiry. I continued to call and finally someone was able to reduce my credit line, to {$1000.00}. 

My credit score dropped more than 50 points because of this. It is completely wrong and immoral that Barclays increased my credit limit from {$500.00} to {$10000.00} WITHOUT my consent, irreparably damaging my credit. 

I am requesting that my credit score be restored based on this. It will take me years to rebuild what Ive worked so hard for, all because Barclays took it upon themselves to increase my credit limit without my consent.
Product: Vehicle loan or lease

Drivetime XXXX  are liars. I have talked with so many people to the point where I give up. I have told them numerous times the car can not be driven. If you guys want the car please go pick it up. You all have done nothing for me the only reason you guys paid the fee to pick the car up is because your sorry warranty team did not pick it up when it stopped in the middle  of a busy road. I  will just keep filing complaints. You all are a scam and there are countless lawsuits.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following XXXX. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Experian numerous times about These erroneous credit Hard pulls on my credit report that are not mine and I want them deleted off of my credit report immediately! They are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This started several months ago. I have a numerous issues. I have a checking account as well with Capital One that has been a issue. I have experienced my payments not being process and companies ( i.e XXXX  ) that my account was closed. I sent XXXX a screenshot that my account was in fact NOT closed. They refused to resubmit the payment. Thus making my payment late and since I wasnt aware of the issue they cut off my cell service. Then, I am not allowed to transfer funds out to any other bank other then TD bank, even though my XXXX account was linked and verified through their app accordingly. I have 4 credit cards with the company and 3 have issues due to the COMPANY failing to apply payments ( i.e auto pay ) therefore charging pass due fees and extra interest. One of the cards was to be replaced due to fraudulent activity. Never received. I have copied this and sending to proper authorities as well as my respective Congressman. I believe that this is a targeted attack due to my Career, I investigate XXXXXXXX XXXX XXXX. I have turned in A LOT of people for Criminal Indictment. I also believe that is bank is targeting me due to my various donations to certain charities and political campaigns. I will be referring this and my documentation of conversation with XXXX and screenshots of Auto-Pay scheduled that were not taken from the checking account I have with this company and posting to satisfy my monthly payment.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities fairly. impartiality, and " respect for the consumer 's rights to privacy. '' Experian and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC, 6801which states, " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customer 's nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information. They surely do not have my written consent. Any who consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) is revoked whether it be verbal, nonverbal, written, implied or otherwise.15 USC 6802 ( b ) ( c ) states that " Financial institution may disclose no public personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) They never informed me of my right to exercise my nondisclosure option. Not only that, 15USC 1681C ( a ) ( 5 ) states, '' except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, other than records. Of convictions of crimes that antedate the report by more than seven years. " This account is an adverse item they are reporting again without my permission, which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A 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.15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services
Product: Credit card or prepaid card

EVERY time I make a payment to this company I do not receive credit for at least a week. I want to know why this is the case. I also want the company 's answer to be posted HERE. I do not want to have to go a website of THEIR choosing. 

I have continuous problems with this wretched company. And I want the problems to STOP. I fulfill ALL the requirements and I EXPECT them to as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an Ocwen Mortgage # XXXX on our credit reports that one was closed and paid in XX/XX/XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also  showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that Transunion, XXXX, and XXXX  have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. Transunion, XXXX, and XXXX are in Default and the items requested must be removed immediately.
Product: Credit card or prepaid card

American Express closed all of my personal and business credit card/charge card accounts. I have never have any late payment, always paid in full each month, have good relationships since 2015. Now they closed my account because of business reasons. This was unfair.
Product: Credit card or prepaid card

Bank of America credit card has failed to uphold its commitment to protect its users against fraudulent merchants. 

Back in XXXX, XXXX, a fraudulent charge of {$220.00} was made by a XXXX called XXXX. I disputed it and its been 6 months now and Bank of America has done nothing. I have tried to follow up. Nothing. I did not receive any confirmation of my dispute and no formal notice of conclusion, even though they had once claimed the dispute was still being processes. 

Today again, I tried calling again and gave up after XXXX minutes on hold. I need my {$220.00} back from this fraudulent XXXX and Bank of America has failed to protect its users. Im closing down my Bank of America card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through using XXXX XXXX I was able to access my credit report an account that I have never used. I never opened an account with XXXX XXXX XXXX and have never heard of them prior to accessing my credit report. 

XXXX XXXX  XXXX XXXX # XXXX PO BOX XXXX XXXX XXXX OH XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Charge Off : {$5500.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 7 closed accounts with XXXX with no results of resolutions. Specifically with providing me with proof that I have asked for under my rights per FCRA section 60 ( A ) ( 1 ). Pertaining to late payments and continuing to report late payments after the accounts are closed. 

1st letter of my dispute was sent certified mail requesting the the 7 closed to be validated per FCRA section 609 ( A ) ( 1 ). Please see attached certified mail dated XX/XX/2020 with USPS Tracking # XXXX. 

XXXX came back with verifying my disputed accts as " accurate and validated '' thru data furnisher and updating the accts. But the reported info are the same with no changes. However they have completely ignored all my requests with providing documentations that validates the inaccuracies of their reportings.
Product: Debt collection

I contact Natlcrsys I an attempt to clear a {$7000.00} plus debt that is reflected on my credit score. The gentleman asked me for my name and the last four of my social security number in which I gave him. He then sent me a link and told me to click on it to verify my identity. Once I clicked on the link the phone disconnected. I am feeling that this is a scam. The link itself stated that it was a unsafe page.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported that I was 60 days late to pay. I was never late for my lease. They offered a settlement for the remainder of the lease over mileage and I paid it. If I knew that it would affect my credit score I would have paid the whole amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in regards an error with an entry of XXXX XXXX that appears on my credit report as charged off however this reporting is false along with the amounts that appear on my credit bureau Experian informed me that they contacted the company and they verified this information to be true. I decided to reach out to this said company and ask for proof of information that is being reported to Experian to my surprise the credit was shocked according to the letter attached that this reporting had been going on they stated they sent documents to all three credit bureaus to correct their error however time has passed and still Experian refuses to correct the inaccurate information
Product: Debt collection

I am contacted the CFB regarding XXXX XXXX XXXX, FTC file # XXXX. Company was sent 3 dispute letters by me. XXXX never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX & another again on XX/XX/XXXX. Both statements provided by XXXX were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like XXXX who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from Victoria 's Secret/Comenity Bank! I have been asking for a proper debt validation that company has failed to provide. Instead, XXXX lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
Product: Credit card or prepaid card

I closed my business platinum AmEx account ending in XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received an email from American Express stating that " After careful review, we noticed activity that indicated these points may have been earned or used in a way that doesn't meet the terms and conditions of the Membership Rewards program or of the promotional offer under which you earned the points. '' I logged into my account and found out that XXXX points were taken away from my Amex Membership rewards account. I called Amex right away and the phone representative could not tell me the reason why points were removed. I told her that I opened my account in XX/XX/XXXX and earned the XXXX bonus points in XX/XX/XXXX for meeting the spending requirement. In XXXX when I closed my account with a chat rep because the second year annual fee was due and I want to avoid the XXXX year fee, the rep did not say anything about the points may be taken away. I don't understand the reason why Amex took my points away after I cancelled my account in XXXX. The phone rep could not give me any reason and she filed a case for me with case # XXXX. She promised someone from the backoffice will contact me with the results of the investigation within one week. Now more than 2 weeks has passed and no one from Amex contacted me about the result of the investigation. My XXXX point still missing. Please help me to get amex to reinstate my points. I am willing to reopen the cancelled account and pay the 2nd year annual fee if Amex can reinstate my XXXX points. Thank you.
Product: Credit reporting or other personal consumer reports

recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify accurate XXXXXXXX XXXX account # XXXX
Product: Mortgage

Shellpoint Mortgage # XXXX paid off. 

Please update on Credit Report
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction or removal of inaccurate information on my credit report. My personal information must be accurately reported in compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Consumer Data Industry Association 's ( CDIA ) Metro 2 compliance standards.

Any misreported information that can not be verified must be deleted immediately. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information on my credit report is incorrect and should be removed : 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