23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citizens One Bank is purposefully making it difficult to remove PMI. 

I submitted a request to start the process 3 weeks ago and have not received a call, email, or secure message from the company with ALL information for removing it. They have only sent a message saying they will send another message via snail-mail. 

They REFUSE to give me the contact information for the PMI department.
Product: Credit reporting, credit repair services, or other personal consumer reports

section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported
Product: Credit card or prepaid card

To who it may concern : My name is XXXX XXXX I received letter stating that my unemployment benefit money has been loaded onto a prepaid card. I however, have not received the prepaid card nor have I received any money. Please help.
Product: Debt collection

I submitted a complain it came back as verified please send my an original contract sing by me please provide me with any original contract with my signature because all I see is a bill with a wrong name and address please this is affecting my credit when I have never knew this lender this is violating my rights as a customer
Product: Credit card or prepaid card

Someone used my card fraudulently and I was told while they investigated I would receive temp credit hasnt happen
Product: Credit reporting or other personal consumer reports

XXXX kind if you can get through but I received nothing except for a notification from my bank present affects all 3 Personal statement ID etc because I can not work on the credit bureaus if they at least dont give me something to work with. Paper via fed acceptable while trying to replace documents likely used to create this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have have to address this issue on I have had a few issue with account that I do not recognize on my credit report.ITS HAS BEEN PAST 30 DAY AND I WOULD LIKE THE ITEMS LISTED BELOW TO BE REMOVED ASAP. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was logging into Navy Federal app on my phone to pay my sons car payment I noticed that the bank account which I have not used in almost 2 years had {$58000.00} in it. I called Navy Federal On XX/XX/XXXX and they reassured me the money was mine and told me I could spend it. I paid {$35000.00} and paid off my car loan for my XXXX with Navy Federal and I transferred the rest {$16000.00} to my XXXX XXXX account so I could spend it since I dont have a debit card with the navy federal account that all of that money went into. I asked Navy federal where the money came from and they could not tell me all they could tell me was that its a credit on my account and it was my money and I can spend it. I was contacted 2 to 3 weeks later by navy federal recovery team telling me the money was not mine and I need to return it all. I returned all the money they took it and I also had a {$5000.00} in credit card debt that I was paying on and it was in collections I had Payment set up through my XXXX XXXX XXXX account to pay them every month until the debt was paid off they told me in XX/XX/XXXX that {$5000.00} Debt had been charged off and I no longer of them any money in collections at Navyfederal. Fast forward to today XX/XX/XXXX when I was supposed to receive {$1000.00} from my boyfriend so I can go get a XXXX XXXX and Navy Federal Collectuons dept has taken that {$1000.00} money and told me theyve applied it to the debt that I owe on that {$5000.00} that they had once told me was charged us and I no longer owed. Navy federal has not once tried to contact me since XX/XX/XXXX when they told me the debt of {$5000.00} was charged off and they took back that large sum of {$58000.00}. I have called them and asked them to give me the XXXX XXXX back because I was to use that for a XXXX XXXX on my XXXX tomorrow and now they say that they will not give me the XXXX XXXX back because the money was not mine. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus multiple times to provide me with the proper documentation to verify that the XXXX XXXX  XXXX account # XXXX opened XX/XX/2014 is in fact mine. The credit bureaus were unable to provide any verification that this account is mine. 

Also I'm not sure how XXXX XXXX XXXX Account # XXXX opened XX/XX/2014 is reporting that I owe {$31000.00} on this vehicle. How is this XXXX XXXX have this value after 5 years? Is this car plated in gold that I did not know about. 

Neither one of these account have also been verified by FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) so not sure how they are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pending XXXX from XX/XX/XXXX to XX/XX/XXXX. I was approved in XX/XX/XXXX. OneMain Financial was completely aware of my situation and provided no assistance with my credit reporting. XXXX and myself entered into a new Settlement agreement in XX/XX/XXXX. They reduced my amount owed and monthly payments. I have made every payment on time. I provided XXXX and XXXX with the terms of that new agreement. Although, I have been responsible for my part of the agreement since XX/XX/XXXX, XXXX continue to report to the Bureau the original terms of the agreement as if they aren't expecting a lesser payment. They have my account 150 days past dew. Settling my account is a negative on my credit to begin with. I should not be subject to monthly untruths.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I provided information to obtain an offer for a personal loan to consolidate credit card debt. After providing my income and monthly rent, I was offered an unsecured loan at 13.97 % APR for {$10000.00}, payable in 36 months, which I accepted. Upon filling out the paperwork to obtain the loan pursuant to that offer, I was then called and advised that my offer was changed to 18.99 % APR for a secured loan or 19.99 % APR for an unsecured loan, both payable over 60 months. OneMain utilized and unfair and deceptive bait-and-switch tactic to entice me into providing my personal information under the premise that I was obtaining a loan at 13.97 % APR for {$10000.00}, payable in 36 months, to then try to manipulate me into an unfavorable loan at a much higher interest rate. When I told them that this was deceptive and unfair, they told me to proceed with filing a complaint.
Product: Mortgage

I disputed a collection account on my XXXX credit report. On XXXX XXXX, 2017, XXXX confirms the account was deleted. On XXXX XXXX, 2017, Mortgage Lender obtains merged credit report from Credit Plus , Inc. that showed the account that was supposedly deleted. This affected my score and ability to obtain credit. I informed the Lender that the report was incorrect. Lender had me call Credit Plus directly who told me they could correct the report, but only if the Lender requested such. Lender informed me that this correction would cost {$150.00} and he would not do it. I contacted XXXX who confirmed the account was deleted on XXXX XXXX, 2017 and that anyone who ran my credit the next day would not have seen the account. Alternatively, XXXX may have deleted the account and failed to inform me that such deletion would not report for a matter of days. Either way, now I 'm stuck with either having an additional inquiry on my credit report or not getting my refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX  ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

I've contacted TransUnion about these inaccurate data within my credit report. I can not list everything on this FTC report attached. I have listed the accounts and addresses as follows : XXXX XXXX XXXX {$500.00}, XXXX XXXX {$220.00}, 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 I have never lived at any of these addresses and I do not know these accounts.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to follow up you about my issue of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 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 XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised in the process of relocation. And this has not only affected me emotionally but also has affected my credit worthiness. It seems as in today 's world its easier for someone to become another more than one as their natural self. However, it's good to know that agencies such as the FCRA and FTC protects consumers from things of this natural from the three ( 3 ) major credit bureaus reporting false or fraudulent credit data. I'm demanding that the following accounts inwhich I'm personally affected by be blocked immediately from my credit report. Accounts ( 1 ) XXXX XXXX {$3200.00}, ( 2 ) XXXX XXXX {$1700.00}., please remove these accounts or provide me with physical documentation, signed, sealed and certified inwhich substantiate XXXX, XXXX, and Experian credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I got a bill from XXXX for {$340.00}. I contacted them and they said since I never activated service the next cycle will zero out the bill. In XXXX of 2021 I got a final bill from XXXX and called again. I was told it will be resolved and I did not owe {$340.00} since I never activated service. I now have Receivables Performance ( debt collectors ) calling me and the {$340.00} is now on my credit report. Today XXXX I once again talked to XXXX and they said since account is closed they will send to business department to resolve. XXXX I spoke with debt collector and they said they do not contact XXXX and they will still collect the debt. I have a debt I don't owe showing on my credit report and a collection agency contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. 2 XXXX  XXXX charge offs and syncb account.
Product: Money transfer, virtual currency, or money service

For the last 6-8 months a company called XXXX wa pulling XXXX each month off Mt cashapp. I reported this to several times they did nothing. The last report that was done to cashapp was XXXX, XXXX  the rep. helped by telling me I could go in cashapp and remove them. Then he stated he could get my money back for the months they had taken. This could have been solved months ago if cashapp would've simply stated what this rep. did. They XXXX to help protect me then. Then once we put in for them to give the money back cashapp closed my cashapp and said I violated terms and conditions. I appealed and asked what specific terms and conditions did I violate I've been with cashapp for years. They were unable to provide any source to prove of closing my cashapp and they didn't send the money they said it was authorized and sent some details from another company that wasn't they one that took my money off cashapp to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below are the lists of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card

I applied for and received a credit card through Wells Fargo Bank. A promotional offer with the card paid a {$100.00} bonus after spending " X dollars '' ( I do not recall the exact amount ) in a 3 month period. I achieved this level of spending yet did not receive my {$100.00} bonus. I contacted Wells Fargo regarding this matter and was told there was a " glitch in their system '' ( words used by Wells Fargo XXXX and that my {$100.00} would be paid the next month. This happened for several months in a row until someone at Wells Fargo manually made the adjustment and paid me the {$100.00} they owed me. XXXX of the Wells Fargo agents told me that it was good that I had called and pursued this matter because the {$100.00} would have never been paid and would have rolled forward to following month " forever '', due to the " glitch in their system ''. 

I fear that other customers may also be owed a payment by Wells Fargo, but will not receive their money because they are not as persistent as I have been. 

After I received my {$100.00} from Wells Fargo, I requested compensation for the time and effort I had to dedicate to correcting this matter. I made numerous phone calls to Wells Fargo over the course of several months to settle this matter. My case was elevated to the Wells Fargo Corporate Office and I was assigned a XXXX and a Case Number. This department ( and my XXXX XXXX ) ignored over XXXX phone calls and voice mail messages from me. Only after leaving messages in general voice mail box did someone other than my XXXX XXXX call me back. 

I am still requesting compensation for my time and effort to correct a problem created by Wells Fargo. Wells Fargo refuses to do so. 

I will close by adding that I have been a banking customer with Wells Fargo for nearly XXXX years ( with substantial deposits ) and have had a generally positive experience with the organization, until now.
Product: Money transfer, virtual currency, or money service

Received email from this agency claiming I authorized some transaction Receipt ID : XXXX. 
From this person via email. 
With regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX With regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America decided to close both of my debit card account and credit card account without notice. 

I tried to log in into my BOA app but failed on XX/XX/XXXX. I called them for the reason, they just told me they had the right to close my bank accounts without reason and notice. ( Actually the letters from BOA I received 2 weeks later this call said that the reason is I had irregular transactions, I checked my spendings, and that transactions should be my two payments to a XXXX shopping website-the most famous one. ) I had no more chance to open another debit card account eternally. 

It took me around 3 hours to talk with the debit card and credit card department on XXXX XXXX need to wait for 2 weeks for the balance of debit card. And I went to BOA to pay the money I owned in my credit card account on the same day. 

But I couldn't get back my cash back rewards ( around XXXX dollars ), the lady from customer service department made a claim for me on XX/XX/XXXX, she could not click the " redeem '' button since it was frozen. She told me the back door office would deal with my cash back rewards and send it back to me in 4 weeks. Yesterday XX/XX/XXXX, I received a letter from BOA without any contact information, it is said that I couldn't get back my cash back rewards because my account had been closed. That is not me who made this decision without notice - made me had no time to redeem my rewards. I called BOA again, the customer services twice, benefits department, and another one, I had been transferred three times and finally no one could help me to get my money back. They said I am no eligible to have the service because my accounts had been closed and they had nothing to do with me. 

It is indecent to keep a former client 's money in this way. I only want my own money back to me.
Product: Debt collection

Around XXXX on XX/XX/XXXX I contacted Enhanced Recovery Co LLC to inquire about a debt I owed them. I specifically asked if the amount could be settled for less and paid to be deleted from my credit report. I was told if I settled the account for {$590.00}, the account would be considered " settled for less than full amount '' and I was told that the collection would be removed from my credit report within " 24 hours to 45 days ''. I repeated my question and was ensured that the collection would be removed from my credit report if I paid. I agreed and paid the {$590.00}. Payment was taken out of bank account XX/XX/2022. 


Saturday XX/XX/XXXX, I called and requested a paid confirmation letter, which I was emailed. 



Monday XX/XX/XXXX at XXXXXXXX XXXX, collection is not removed from my credit report. I called Enhanced Recovery to ask for an estimated date of when collection would be removed from my credit report and was informed that even though I paid off the collection, they would not be removing the collection. I informed the staff member on the phone that I was told by their company that the collection would be removed if I paid, and she told me " enhanced recovery will not delete collections from credit reports ''. 


Enhanced Recovery misrepresented themselves in telling me they would remove the collection after payment is successfully processed, and then refusing to remove collection after receiving payment.
Product: Debt collection

I HAVE REQUESTED THE COMPANY SEVERAL TIMES TO SEND ME NECESSARY INFORMATION FOR THE VERIFICATION OF AN ACCOUNT THAT THEY ARE TRYING TO CHARGE ME AND I DO NOT KNOW. AT THE BEGINNING THEY CONTACTED ME BY CALL AND TOLD ME THAT IF I DID NOT PAY THE DEBT I WAS GOING TO APPEAR ON MY CREDIT REPORT WHICH THEY ENDED UP DOING WITHOUT SENDING ME THE INFORMATION THAT I HAD REQUESTED. NOW IN MY THREE CREDIT REPORTS THIS DEBT APPEARS WHICH AS MUCH AS I TRY FOR THEM TO SEND ME INFORMATION THAT VALIDATES THIS DEBT, THEY DON'T DO IT IQ DATA INTERNATIONAL MUST SEND ME ALL THE INFORMATION THAT I HAVE REQUESTED THROUGH LETTERS SENT ON XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The dates above, Are all dates I have contacted this company. 
I asked them to fix my account and change my email address, so I could connect to my account and withdraw my deposit to close my account. 
Then after via email communication over a month later after initial contact I was told it was fixed. And that I could log in with the new email and connect to my bank account to withdraw my deposit and it still doesnt work. This company is fraudulent. Its not a number available to consumers to call to speak with customer service. Everything is done via email and most days you get a return reply over a week or month later that doesnt resolve the issue. This company replies to me, not in a timely fashion but does reply to me at the new email but hasnt changed it to the new email within the app so I can withdraw my money and close the account.