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

attached is the CERTIFIED MAIL FROM USPS XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Mortgage

My mom passed away in XXXX. She owned a rental property in CA. I sold the property on XX/XX/2022 and paid off the loan, but the bank charged me an extra payment and will not allow me to get any information since my name is not on the mortgage. I explained to them that I am the executor of the trust and that I have POA. I have been handling all my parents matters since they have been incapacitated about 3 years ago. I have provided letters from doctors, trust documents, death certificated, etc. The mortgage department says they do not have the paperwork. I explained to them that the branch I frequent does, but they claim that is a different department. I told them that is not my problem since it is the same company. That they should communicated and make the matter easy for the customer. They transferred me again to another department. They said they will overnight a letter asking for more documents. That was Tuesday a week ago - no letter. I called again today and have been transferred to another department. 

How is it illegal for them to discuss an account that they know I have been making payments on for years? If it is illegal to talk to me then it is illegal for them to accept my money! This was a {$1000.00} dispute but I have spent many hours trying to get information and need to be compensated for my wasted time as well as the undue XXXX XXXX XXXX
Product: Credit card

Missed a payment on a credit card due to mishap with bill pay at my bank. Paid in full 10 days late. Called credit card company to settle the issue and see if anything could be done, they said no, the XXXX $ late fee would remain. I stated I would close the account. They offered some bs but I was n't interested. I asked what the current balance was so I could pay in full. She told me the balance but said it would change as every day the LATE FEE would accrue interest
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

The Accounts on my credit report XXXX  XXXX XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX are fraudulent account i will attach an FTC report to this complaint and a copy of my identification and a bill with my current address
Product: Mortgage

I went into covid forebearance and was ready to start paying inXX/XX/2021. I was advised to let me forebearmace end even though I was also told that there was an automatic option of modifying my loan and setting it to market interest rates with my balance added to the end of the loan. I requested in XXXX and they didnt process until XXXX. I was told I didnt have to make my XXXX Payment I order for my loan modification to begin. I paid in XXXX and received paperwork in the mail offering me options Like I hadnt already requested a loan modification. I paid my mortgage in XXXX and for XXXX. I called to say and they still have not even processed the paperwork for a loan mod for me despite knowing that I have lost income and am entitled to a loan mod. They said they would give an update at the end of the week. However this is an internal update and provides me no relief or guidance as to the process and where it is at. I feel like Sierra pacific mortgage is intentionally dragging their feet on my loan mod because it isnt a new loan. They are using the excuse that they are busy, yet a conventional loan will Close and fund in 30 days. It feels discriminatory and maybe delaying to hope that the market interest rate rises prior to them modifying my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit file has an inaccurate date of birth and I have been trying to resolve this problem with them but to no. The date of birth reporting on my credit report is XXXX XXXX XXXX which is inaccurate. The correct date of birth is XXXX XXXX XXXX. I sent copy of my passport which contains correct date of birth and now I attached the same copy with complaints.
Product: Checking or savings account

Dear Citibank Team, I am writing to request your urgent assistance in resolving an issue with my Citibank account that has significantly impacted my ability to access online banking. Despite multiple attempts, I am unable to verify my identity through my phone number, and I have been advised to await a letter that has not arrived. 

This situation has caused significant inconvenience, as I rely on online banking for managing essential financial matters. I have spent over five hours on calls with Citibanks customer support team, but no one has been able to resolve the issue or offer an effective alternative for identification. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a car financed by a lender they sold it to Wells Fargo in XXXX The payments are XXXX per month. I have never missed a payment and the loan has gone down XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> To whom it may concern : I recently made a complaint to your agency regarding the 3 major credit bureaus.

And as of this writing to your agency again, the issues that I had initially complained to you about still have not been resolved. 

Instead, the credit bureaus are again making a mockery of your agency, because they continue to get away with whatever they choose to do. 

They send you notice that they are still working on my complaints, yet they do nothing to correct my credit files, and credit score, and I end up with the same results, of them continuing to destroy my credit rating, and nothing is done. 

In my initial complaint to your agency a few weeks ago, I requested that I want to receive PROMOTIONS, Why has XXXX taken it upon themselves to deny my request. 

This weekend I received a post card from XXXX, claiming that they have removed my name from their preapproved credit offer list for 5 years. 
And they stated that they are notifying the other national credit reporting agencies to do the same. 

I never asked XXXX to remove my name from promotions, and I did not ask them to contact the other bureaus about anything regarding me. 

I want you to please refer to my initial complaint, and this shows the intentional harassment that I have been receiving from the credit bureaus.
Product: Credit reporting or other personal consumer reports

A Fraudulent Account was created and it is reflected on my credit reports.
Product: Debt collection

Macys has been calling me roughly 8 to 10 times a day, for a total debt i have of {$170.00}, even though i have paid every month ( anywhere between the minimum payment to a few hundred dollars so that my debt can go away quicker ), and the caller is an automatic voice saying to call the number XXXX XXXX XXXX to settle my late payment. My next payment is due XX/XX/XXXX and it is XX/XX/XXXX today and i am not late on my payments. When i called the XXXX number the debt collecting person working for macys was rude and cursed me out. Is this legal? I dont even owe that much money to macys ... .i owe a total of {$170.00} and they are acting as if i owe them thousands of dollars and that i havent paid my debt in months and months or something. Please do something about the Macy 's debt collection company because its not right to curse someone out and be rude for just {$170.00}!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian credit report theirs a negative item that has a balance of XXXX its a charge off account experian supposed to have that item removed due to fraud I filed a federal trade commission identity report it should be on filed and also the other three negative items that are charged off should be removed from my experian credit report I filed a federal trade commission identity report on those items too and also the hard 4 inquiries are fraud too please removed them my social security number is XXXX and on my XXXX XXXX report theirs 4 negative items that are charged off and XXXX their is one 1 item that's charged off I filed federal trade commission identity report with those agencies too please other to agencies removed them to due to fraud
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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I have some un authorized inquiries on my credit report
Product: Checking or savings account

-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX ; XXXX XXXX Cc : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX , XXXX XXXX   PDT Subject : FINAL LEGAL NOTICE/DEMAND FOR PAYMENT TO WELLS FARGO on XX/XX/XXXX - from XXXX XXXX To Wells Fargo - That is clearly wrong. You need to look at when I actually opened this account! 

See you in court. And you will be hearing from several different government agencies that I will be reporting this to as well, including what your XXXX branch put me through to open this account ; AND the numerous fraudulent charges on the debit card connected with this account clearly due to the fact that WELLS FARGO DOES NOT MAINTAIN CLEARLY REQUIRED ENCRYPTION on those cards to keep them secure!!! I will be adding {$300.00} to the damages I request in this small claims lawsuit for the time I had to take away from running my business because your branch required me to come into your branch MULTIPLE TIMES to get those fraudulent charges removed! Actually, I will present a very strong case to the proper anti-fraud, consumer protection agencies that Wells Fargo should be IMMEDIATELY barred from issuing any more such account debit cards until they can insure to such agencies that the cards have such adequate encryption/security to prevent such fraudulent use! 

I WILL ALSO BE REQUESTING PUNITIVE ( treble ) DAMAGES IN THE SUM OF {$2100.00}, and {$400.00} for the 4 hours I will have to take off from work to handle that lawsuit, along with ALL legal costs. 

I will be filing this lawsuit in XXXX County Small Claims Court at XXXX XXXX  today. Wells Fargo 's OUTRAGEOUS, FRAUDULENT CONDUCT clearly warrants punitive damages. I will also be sharing all of this with the XXXX XXXX and every possible consumer protection agency I can find. You would think Wells Fargo has had enough adverse publicity over its fraudulent conduct over the last 2 years, which I will then introduce in my small claims suit clearly establishing Wells Fargo 's established business practice of FRAUD on its customers, not that any CA judge really needs to be reminded of that!!! 

You might want to immediately run this {$500.00} bonus payment by your legal department. 

XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX / account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.
Product: Debt collection

I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with Barclay 's Card not XXXX XXXX XXXX or XXXXXXXX XXXX   XXXX - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with Barclay 's  Card and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought XXXXXXXX XXXX XXXXXXXX for legal debt advice to come after me for a debt i don't owe them.
Product: Debt collection

I received a collection letter from Caine & Weiner Company Inc on XX/XX/ and requested that they validate the debt they were attempting to collect on XXXX 
I received verification that the letter was received by the collection company on XXXX  via my certified return receipt. However, the company never responded to my legal request. On XXXX when checking my credit report a collection for Caine & Weiner was placed illegally on my credit report. Which dropped my score XXXX points. 
I disputed the collection with the credit bureaus advising that my request for validation was ignored by the collection company but they just advised that they verified debt. 
I don't understand how this company can outright violate the FDCPA for debt collection and refuse to or fail to respond to my request for validation. 
My rights have been violated and the violation is upheld by the credit bureau. 
I would like the company and the credit bureaus to be punished for breaking the laws established under the fair credit reporting act and reporting unvalidated information. I would like my rights as a consumer to be upheld.
Product: Credit reporting

Mercedes Benz Financial Services did not place the credit/debt on my credit report as a co-signer when account was opened XX/XX/XXXX16 and paid off on XXXX/XXXX/16. They finanlly did put it on my credit and it is still incorrect after 11months of me complaining to various agencies and the IL attorney General is currently involved XXXX & XXXX on XXXX XXXX, 2016. From MBFS actions deprived me of building my credit as well as violating various FACTACT and fair lending policies. MBFS stated in a letter dated XXXX XXXX, 2016 that they are not legally obligated to report on me a co-signer and it was a business decision NOT TO place this on my credit but did in XXXX 2016. All this time of NOT putting it on me. This financed instution from day one for that personal decision in which they mention done unfair and deceptive business practices to me and the Primary ( Master Sergeant, XXXX XXXX ) on this Paid in Full account with them. To this day the information is still incorrect where they inflicted harm and well as negative and financial loss that we both endured. They need to be trying to settle with us for their wrongful and discriminatory actions. They on MSG. XXXX have unknown for XXXX and have incorrect dates and dollar amount. And for me co-signer they did not report XXXX, XXXX payments that was paid on time and for XXXX they have the same thing on me an X for unknown where they did NOT call in at all and report these payments. And after asking for XXXX extentions by their attorney is when their attorney convinced them to correct my credit report and then mishandled and abused my financial and personal information to IL Attorney General by NOT covering my social or crossing out so that my entire social is n't revealed to all who handles that case. and that was done intentionally as well. attachment XXXX is MSG. XXXX report. We have asked them over 5 times to correct our credit reports and they caused us to be financed at a high interest rate after paying them off because they did n't correct nor provide the accurate information throughout paying them with this account is the harm and financial loss that they provided to us. Where this new finance company got a old glimsp and negative review and rating from them by not reflect the TRUE picture harmed us tremendously. In addition to them not reporting on us being retalitory cause both of our credit scores to drop from XXXX. This is n't right! Mercedes Benz Financial Services knew from the very beginning that I the co-signer would be the XXXX paying all these car payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a hard inquiry on my credit report. Called the Barclays Delaware Bank who did the hard inquiry on XX/XX/XXXX and XXXX XXXX to try and dispute the inquiry. Received no response. Wrote a letter of dispute to Barclays on XX/XX/XXXX and received the response on XX/XX/XXXX stating the the inquiry was accurate. I have never applied for a credit card through this company and they are saying I did. When I contacted Barclays on  XX/XX/XXXX they said they don't have any records of me ever applying for a credit card. And if I did, the system deletes it after 90 days. The inquiry happened in XXXX. I contacted XXXX  the same day and they said I needed to call Barclays and request a letter of deletion to get the inquiry taken off my account. Once I asked for the letter, I was put on hold for several minutes then was disconnected. I called back and asked to speak to a supervisor and they made the statement that I can't let you speak to a supervisor because I don't have an account with the Barclays. I have reported them on XX/XX/XXXX to the XXXX  and now I'm reporting them to you. I need someone to give me the answers I seek and help me dispute this inquiry.
Product: Debt collection

I got a letter from Credit collection services XXXX XXXX XXXX XXXX, MA XXXX This is regarding file number XXXX This charge was falsely against me. XXXX missold a device to me and im happy to return it back, i have not used at all. 
I went to the XXXX  store to return which was not accepted, i called XXXX  to send a return label which was not sent. 
I responded to the collection services with the attached response, still it showed up on my credit rating. 
please help me My old address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX New address is XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX
Product: Credit card or prepaid card

Wire Instructions : This CFPB claim shall constitute written wire instructions directed to American Express executives XXXX XXXX and XXXX XXXX. 

Dear American Express, XXXX XXXX, and XXXX XXXX, In your written correspondence dated XX/XX/2023, you acknowledged receipt of a negotiable instrument for {$12000.00} that was applied to American Express green card account number XXXX. 

This negotiable instrument had redemption rights as a security under CUSIP numbers 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 

Pursuant to my rights as a beneficiary to the aforementionedCUSIP numbers under Phyllis Horace v LaSalle Bank National Association which are equivalent to those of a shareholder or investor in the trust, I instruct you to present the aforementionednegotiableinstrument for redemption to American Express 's contact at the XXXX XXXX and XXXX XXXX as well as to the indenture XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under their routing XXXX and give them the aforementionedCUSIP numbers to specify which accounts the negotiable instrument is drawn upon. I further instruct you to credit the funds drawn from these CUSIP numbers to American Express green card account number XXXX. 

Sincerely, XXXX XXXX