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

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
XXXXXXXX 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 has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of the following items from my credit report :
Product: Checking or savings account

Citibank On XX/XX/2021 I purchased XXXX XXXX Products from their website using my Citibank Debit card, at that time they double charged me. I immediately tried to inform XXXX via their Instant Messaging. Since their messaging system is useless and uses pre-programmed responses, it was a vicious circle trying to tell them they double-charged me. 

I immediately contacted Citibank to let them know. They insisted I wait a few days to see if it drops off. It did not. I disputed the charges repeatedly and Citibank contacted XXXX. They claimed that I made two separate charges, that is a bold-faced lie. I only have one computer. Why would I order two? It is mind-boggling to me how XXXX would not just refund me the {$69.00}. I have disputed this charge with Citibank no less than five times and walked into my Local branch where they reversed the charges and then Citi Corp. re-charged me because XXXX continued to say I purchased two. 

I am confused, this is my Bank account and they refused to protect my Account. Citibank stated that XXXX determined that I bought two subscriptions. I have been a Customer with Citibank since they changed from XXXX 20 years ago. 

I just dont understand why XXXX XXXX XXXX company would forcibly steal {$69.00} from a single XXXX with two children and Citibank is complicit in allowing it. After seeing Citibanks F Rating on the XXXX Rating of XXXX stars out of five, its no wonder they have a one star rating and over XXXX complaintsI am clearly NOT the only one having issues. I believe they need to be investigated for improper/unethical Business Practices. 

Any assistance in this matter would be greatly appreciated. I look forward to your response. Please let me know if you need anything further from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wrongfully reported XXXX XXXX XXXX XXXX to my report due to illegal evidence! Ive disputed the accounts numerous times and sent a 609 letter. The accounts were not removed and illegally reported. The employees at XXXX  XXXX targeted me intentionally reporting false information. Equifax removed the inaccuracies but due to the data breach they then had different reportings and deliberately changed my report. Im submitting documents Because of their negligence I can not obtain credit due to w challenged score due to inaccuracies.
Product: Credit reporting or other personal consumer reports

PLEASE REVIEW THE STATEMENT I MENTIONED REGARDING MY PERSONAL INFORMATION BEING EXPOSED BY THE DATA BREACH AND THE INFORMATION REGARDING FRAUDULENT ACTIVITIES ON MY CREDIT REPORT. HERE ARE THE INQUIRIES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE READ THE FORM TO DETERMINE THE FRAUD ACCOUNT AND COLLECTIONS.
Product: Credit reporting or other personal consumer reports

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name and account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX  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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I saw an add for the Amazon Synchrony Credit Card while looking at making a purchase. The advertising said that I could sign up for the card and use it to make the purchase with a payment plan. I signed up for the card and was unable to use the card for 7 to 10 days. I was told to contact synchrony to obtain assistance and there was no available help.
Product: Credit reporting or other personal consumer reports

There are billing errors in my credit report showing late payments that are not accurate. These dont align with my payment history. Please correct them and update my account accordingly.
Product: Payday loan

My place of employment received another phone call from Concord Resolution after being told not to call them so I called Concord Resolutions and spoke to XXXX XXXX XXXX. He stated that I took out a payday loan a few years ago but did n't say who the loan was with, how much I supposedly owe and after asking him to send me correspondence in the mail about the loan, he refused saying that there was no need to do so.
Product: Mortgage

Since XX/XX/XXXX, despite making my mortgage payment, in the same manner and for the same amount ( {$2300.00} ) as I had for the previous 10 months, our mortgage provider Fifth Third Bank has incorrectly processed payments. This problem has now occurred in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ). Each month the payment processing error is different and the problem has persisted, despite my filing XXXX complaints with the XXXX, monthly calls to Fifth Third bank Customer Service and several interactions with Fifth Third Bank 's Office of the President. I CAN NOT understand or fathom, how the bank processed these payments correctly 10 consecutive months in a row ( {$900.00} mortgage payment and {$1400.00} additional on the principal of the loan ) and suddenly not only ca n't process the payment correctly, but worse can not explain all of the errors. I have also filed a formal complaint with the Fifth Third Ethics and Compliance line on Monday XXXX XXXX, 2015 and have not even had the courtesy of a follow-up call. I find this practice unethical and likely to be occurring to other consumers who may not even be aware. I was provided this channel to file the complaint after reaching out to " XXXX On Your Side '' television investigative reporting, here in the XXXX, XXXX, FL area. I am hoping you can help, as the stress of dealing with these ongoing payment processing errors is now taking a toll on my emotional health and well being. I find this bank despicable. I have prepared and will be sending formal written complaints to the CEO of this bank and the Senior VP, whose name was on a form letter I received in XXXX, following a call from the Fifth Third Bank 's collection department on XX/XX/XXXX, informing me I had not made my XXXX XXXX payment, when in fact Fifth Third Bank had processed my check on XX/XX/XXXX, informing each of the persistent, frustrating and insulting treatment I have been receiving month after month.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX ( XXXX ) has appeared as plaintiff in a foreclosure case, Index XXXX, in Supreme Court, XXXX XXXX, NY. In a response to a complaint I filed with the CFPB, I asked the question ( paraphrased ) " Do you, XXXX, own my mortgage and Note? '' Their answer to the CFPB, ( paraphrased ) was " We are not a party of interest in this matter, '' which a reasonable person would interpret as they, XXXX, is not the holder of my mortgage and Note, but in a court of law is vague, so I am getting more specific with this follow up complaint and asking " At any time did you sell my mortgage and Note to anyone? At anytime did you specifically sell my mortgage and Note to a debt collector, XXXX and XXXX, located in XXXX New York, or XXXX XXXX, XXXX, located in XXXX, New York? 

It is likely that XXXX  will claim that this is a duplicate of a previous complaint. They have done this before in a previous complaint I filed. This Complaint is not a duplicate but is a follow up to that earlier Complaint, in order to clarify their response to my earlier Complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/2024 Dear Consumer Financial Protection Bureau, I am requesting assistance in obtaining my free credit report from Equifax under the Fair Credit Reporting Act ( FCRA ). Under this statute, I have the right to receive my free credit report every 12 months from each of the credit reporting agencies ( CRAs ). However, Equifax has still not provided me with my credit report. 

I downloaded the paper form to manually request my credit report by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  mail from XXXX 
I completed all required fields accurately and completely. 
I mailed off my first request with the appropriate first-class postage on XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I did not receive my credit report after waiting 15 days. 
I mailed off a second request on XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I still have not received my credit report from Equifax. 

I would appreciate your help in resolving this issue with Equifax. 

Thank you for your assistance.
Product: Checking or savings account

I am a small business owner. My old employee XXXX XXXX who no longer works for me started to fraudulently modify my check and redepositing it in her account. She received a legitimate check on XX/XX/XXXX. Then on XX/XX/XXXX she made a fraudulent deposit, she modified the check she received on XX/XX/XXXX. She changed the date, check number, and deposited the check to her bank XXXX XXXX  XXXX XXXX ), my bank Wells Fargo Approved it without any notification to me. She proceeded to continue to do this scheme and change the same check 78 times over 7 month before I realized the situation. She also made 6 checks in two different persons account ( 4 checks XXXX XXXX ) and ( 2 for XXXX XXXX ). In total 84 checks were fraudulently made. Many of the checks were deposited on the same date with different amount or date number. I never received any notification from wells Fargo. I believe she was using photo app deposit and then altering the check, but I don't know exactly she could have been working with the teller. Its clear that the same check was used in every deposit because signature is exactly the same and so is the way the back of the check is signed. I filed a fraud complain with Wells Fargo but it was denied because I should have discovered the fraud within 30 days of the first incident. I have a police case against this individuals, but I strongly believe my bank should have protected me especially when its very easy to alter existing check and make a photo deposit. 
I uploaded my bank statements this account is now closed but there were 3 checks posted in XXXX and bank statement is not yet available. On Bank statement Highlighted in Yellow is XXXX XXXX, In Green XXXX XXXX, In Red XXXX XXXX. Summary is uploaded as well.
Product: Debt collection

On XX/XX/XXXX, I sent certified documentation to Midwest Recovery Systems proving that I did not owe three collection amounts that they sent and repeatedly update to the credit reporting agencies. These medical bills were covered under charity care and I sent MRS letters from the hospital. I also sent this to the junk  debt company before MRS -- XXXX -- and they deleted the information immediately. Although my letters were received by MRS , they choose to blatantly ignore me and FCRA laws and continue to harm my credit profile with impunity. They 've also re-aged ( dates are from XX/XX/XXXX, not XX/XX/XXXX ) and re-inserted illegally. The amounts in question are : {$37.00}, {$65.00}, and {$1000.00} ( originally only two accounts that they broke up into three to their benefit ) from XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX as indicated on the letters. Before I 'm forced to go to small claims court, I 'd like CFPB to step in. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I was scammed by an individual through XXXX XXXX, sending them {$220.00}. I contacted my bank and reported a dispute on that same day. On XX/XX/XXXX, my bank, Capital One, denied my claim.
Product: Credit reporting

On XXXX XXXX, 2015 I reported XXXX false addresses that appeared on my deceased mother 's ( XXXX XXXX XXXX ) credit report. I wish to have these XXXX addresses removed. 
Former XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX of Deceased Consumer
Product: Checking or savings account

XX/XX/XXXXa hold was placed on my account. 
Its nowXX/XX/XXXXXXXX and stilk no resolve to my account even though its been past the 24 to 48 hr review they said its under. I provided all the necessary documents and still no access to my account at all. I recently was approved for the PPP loan which was deposited with no worries. They refuse to let me log in my account and access my funds. I need help ive done everything.
Product: Credit reporting or other personal consumer reports

The credit card XXXX didnt report my XXXX reported 30 days late and XXXX reported on time. The closed date on XXXX, TransUnion was XX/XX/XXXX but it was still listed on those XXXX reports as still open XX/XX/XXXX. I did not authorize with signature the account that was charged off to another company.
Product: Debt collection

I pulled my XXXX credit report to find a debt of XXXX dollars the collection agency not XXXX never informed me that they were putting anything on my credit file. In XXXX XXXX I called XXXX to terminate my service with them. They charged my bank card XXXX dollars which was with XXXX XXXX XXXX XXXX. Then I called direct tv to ask them why they stated at the time it was for an early termination fee. I informed them I was under no contract with them. They stayed yes I was for two years, I asked them to provide the contract and they said that they did n't have the contract but I was under contract when I upgraded my satelite equipment. I returned the equipment via mail and then disputed the charge with my bank. XXXX XXXX XXXX XXXX reversed the charges. I thought I was now done with this, but I pulled my credit report in XXXX XXXX I noticed a collection from Afni which was a collection agency for XXXX, they had first reported it in XXXX XXXX. Afni nor XXXX never informed me that they were reporting anything to the credit bureaus. I called them in XXXX and was told the report was for XXXX dollars, and said that it was an early termination fee, unpaid service and missing equipment. My service balance was XXXX in XXXX XXXX. In addition as was previously mentioned, I returned the equipment and was under no contract.
Product: Mortgage

A foreclosure was filed against me on XX/XX/XXXX - four years after my husband and I divorced on XX/XX/XXXX. See Foreclosure Complaint Exhibit " A '' and Final Judgment of Dissolution of Marriage Exhibit " B ''. 

The home identified in the Dissolution of Marriage and in the Foreclosure Complaint, is the home where I reside with my children. Pursuant to Section G. of the Dissolution of Marriage, the Court ORDERED that I was to " maintain sole and exclusive possession and ownership of the house and property '' and that my ex-husband was to execute a Quit-Claim Deed which occurred. See Quit-Claim Deed Exhibit " C ''. 

At no time in the divorce was I ordered, told or obligated to refinance the home because I was a borrower on the Note and Mortgage which became the focus of the XXXX foreclosure based on a default alleged for non-payment on XX/XX/XXXX forward. 

While the foreclosure pending, I applied for a loan modification. On XX/XX/XXXX, I finally received a letter from U.S. Bank saying they had received my modification request. I also received a second letter on XX/XX/XXXX saying the application was incomplete and listed a series of documents that I needed to provide to them to qualify for the loan modification. At no time did U.S. Bank ever ask me for, or request documents from my ex-husband XXXX XXXX. This is because the bank already knew I was divorced and was the sole owner of the property by Court Order and Deed. I provided the documents U.S. Bank requested and on XX/XX/XXXX, I received another letter from U.S. Bank requesting more documentation. On XX/XX/XXXX, I received a letter from U.S. Bank saying they had determined my application was complete as of XX/XX/XXXX and was under review for loss mitigation options. See Loss Mitigation Letter Exhibits " D '' through " G ''. 

In XXXX of XXXX, I received a letter from my attorney that was provided to him from Bank counsel in the foreclosure case, that contained a Loan Modification Trial Plan dated XX/XX/XXXX. The modification required three payments be made in the amount of {$2000.00}. All three payments were made by XX/XX/XXXX. See Loan Modification Trial Plan Exhibit " H ''. 

As a result of all three Trial Plan payments being made, a Permanent Loan Modification was provided and i made the first payment of {$2100.00} however, on XX/XX/XXXX, U.S. Bank sent me a letter with another blank modification attached. According to the letter, the notary portion was not acceptable and U.S. Bank required that I re-execute the documents and re-notarize the documents. See Permanent Loan Modification Exhibit " I ''. 

Despite me doing everything I have been asked to do, U.S. Bank will not send me back a complete executed copy of the loan modification agreement by them. I was told by them that once the permanent modification was signed by me and the initial payment was made, the foreclosure action would be dismissed however, they have not stopped the foreclosure process and are proceeding with the foreclosure trial despite receiving and keep all of the payments I've made in good faith. I have been completely lied to and taken advantaged of.
Product: Credit reporting or other personal consumer reports

I have disputed the accounts shown in my attached spreadsheet multiple times with XXXX, XXXX, and Transunion, most recently through online dispute in XX/XX/2024 and then by mail XX/XX/2024. I requested proof of any late payments as well as verification of information on these accounts. I also requested that these erroneous accounts be deleted from my report if the errors were not fixed. I was never provided proof and the errors on my credit report were never fixed as a result of my disputes. Each of the XXXX credit bureaus claim that they have completed a reasonable investigation, but these accounts are still being reported inaccurately on my credit profile, which is hurting my credit and shows their improper investigation into all of these disputes -- if the information was in fact verified as they claim, it would not be being reported differently by each credit bureau. I do not understand why they claim to have completed an investigation, and yet different dates of last activity AND different payment history is being reported by each bureau for each of these accounts. I believe the different dates of last activity indicates the illegal re-aging of the dates last active. My rights are being violated under FCRA. These inaccuracies accounts are hurting my credit and defaming my character, violating 15 USC 1681. 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 USC 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. The discrepancies in the reported " date of last activity '' and payment history across different credit reports are inaccurate and violate FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 8 ). Additionally, the collection accounts shown one of the files I've attached are illegal -- the 2 collection agencies shown are not licensed to collect for my state ; I submitted proof of this to all XXXX credit bureaus when I disputed the accounts ( attached screenshot showing the states they are listed to collect for and Maine is not listed ). XXXX removed them, Transunion and XXXX refused to.
Product: Bank account or service

I 'm on XXXX for an accident i had on XXXX first. XXXX has deposited money into a Bank of America account. I do not have access to this account. I have not received anything from Bank of America. I found an expired Bank of America XXXX and was finally able to get someone on the phone. I was told that i had to pay {$10.00} to receive a card so that i could access my money. My bills are late my phone is turned off and they 've had my money for over two weeks.