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

This is my complaint to inform you that I am a victim of identity theft. I found certain items in my file resulting from the crime. Please have this investigate and have this items be deleted on my file as fast as you could. The items I am disputing do not relate to any transactions. Based on FCRA Section 605b, It was the responsibility of the XXXX credit bureaus to remove some inaccurate information which are not belong to the owner. These following items should be deleted as they were fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX  XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX  XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XXXX XXXX, XXXX, I uploaded evidence of insurance to the website XXXX XXXX XXXX provided and received confirmation emails of receipt. XXXX XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Product: Debt collection

Debt was the result of identity theft I haven't supplied proof under the doctrine of estoppel by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit card

A scammer who was unauthorized to use my credit card charged my Citigroup credit card more than {$3000.00} to XXXX on my credit card. None of those charges appear on my bills. I am XXXX XXXX XXXX widow and the thought of me charging {$3000.00} for technology is simply perposterous. I have repeatedly provided my statements to Citigroup ( my credit card ) but they refuse to address the issue. 

I contacted Citigroup the day I identified the issue and seeking to resolve this issue. 

I have contacted XXXX over 6 times and each time they confirmned none of those charges are against my account. Despite this Citigroup has refused to resolve the issue. I have communicated with Citigroup over a dozen times all to no avail. 

In addition, Citigroup 's fraud department sent me to their dispute department and their dispute department is sending me back the fraud department.
Product: Consumer Loan

Recently, I accompanied my mother to a local dealer to purchase a snowblower. The cost was {$790.00} + tax. During the transaction, my mother, who is a senior citizen on a fixed income, asked if the dealer offered free or low-interest financing. We were told we could get the snowblower financed for 18 months at zero interest. We agreed, and the dealer proceeded with the transaction. My mother and I both have excellent credit. Prior to closing the transaction, the dealer informed us that the finance company, XXXX, is charging an additional {$50.00} fee for the financing. We were not provided with another alternative to finance the machine but felt the price of the unit was good, so we signed the paperwork with the dealer. We realized a few days later that this was a mistake. In the meantime, the snowblower had been delivered. 

I contacted XXXX and spoke with a representative, inquiring if the {$50.00} fee could be waived or reduced. The representative told me that they do not do that. I then asked if the financing could be cancelled and was told that the dealer, who had already been paid by XXXX, could return the funds. I then contacted the dealer and asked if he would reverse the payment from XXXX, and I would pay him outright on my mother 's behalf, and then she could pay me back over time ( which is what we should have done in the first place ). The dealer told me that he would need to contact XXXX to see what procedure he would need to follow to return the funds. Upon subsequent follow-up with the dealer, he told me that XXXX told him that the transaction could not be reversed, which is not what the XXXX representative had told me. So who to believe? Now it seems that we are stuck with the {$50.00} fee. 

I realize that, by signing the paperwork to initiate the financing, we do n't have much recourse on getting the {$50.00} back. My complaint, though, is that for an {$800.00} purchase, a {$50.00} " document prep fee '' ( what XXXX is calling it ) is too much. The customer is enticed with the offer of zero percent financing for 18 months, but it 's not zero percent. On an {$800.00} purchase, {$50.00} is actually 4 % annually, no matter what they call it. I believe that this practice is deceptive. Finance companies should charge a stated percentage of the total cost ( 1 %, 2 %, etc ), explicitly stated to the consumer and not say that it is 0 %, get the customer excited and then say, " but you have to pay a fee. ''
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my credit report. 

XXXX XXXX XXXX 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: Debt collection

I was contacted multiple times by the debt collector about this debt and i told them i refuse to may and to stop all contact, they proceeded to call multiple times.
Product: Credit reporting or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION, CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection, charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Product: Debt collection

Repeated and incessant calls at all times of day, manipulating the blocked number feature by using several different numbers with separate area codes. If you'd like dates I can provide them, but they have called at least twice per day for the last two weeks. I will not put up with their XXXX much longer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paying XXXX XXXX XXXX to correct my credit. they did remove one creditor. I asked them to remove a company I knew nothing about, and they said they could not remove that company. The name of the company is called XXXX. I never asked this company to do anything for me..they claim, they are helping me to raise my score. I never asked this company XXXX to raise my score or put anything on my credit period. I don not know these peopel. I sent them an email and asked them to remove whatever they have on my credit report. EXPERIAN keeps raising my score up and down every month as poor, one month they bragging I am doing good, and the next month my scores are keep going up and down. I have only one bill I am paying at this moment and that is " XXXX '' and i am never late late on that. I have had issues in the past, but one I made an agreement with to pay them off at {$350.00} and that was XXXX. I gave XXXX XXXX  {$300.00} and I only owed them {$50.00}. ) ) more dollars for tha greement to pay them off. I go back online and they are saying I owe them almost XXXX XXXX dollars, and we agreed to close the account for XXXX. These credit comapnies are not reporting my credit profile as they should. I believe, they are trying to make me pay people to get me to have a good credit score.
Product: Debt collection

This number repeatedly harassses me throughout the day, even after I have explained to them that I do not owe any debt, and that they have the wrong person. I have blocked them and they continue to harass me. I do have credit card debt but I make my monthly payments on time and above the required amount. I have nothing that would require a debt collection service and they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed a series of reporting to my credit report under the personal information that is incorrect. 

These issues are with the spelling of my name, different aliases, and most importantly, a series of addresses that are not and were mine I have attached a copy of my state drivers license with the only address and correct spelling of the only name I go by
Product: Credit reporting or other personal consumer reports

My credit report has errors under 15 USC 1681c-2, listing unauthorized hard inquiries. These errors are damaging my credit, and I request their removal immediately.
Product: Credit reporting

This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a dealership to apply for car I asked them but to run my credit through all the banks and they did And I applied for a credit card and wasnt approved
Product: Mortgage

This is a follow up to my initial complaint ID XXXX which I logged on XX/XX/2021. I feel that as a result of me having lodged this complaint, the company decided to retaliate by sending me an official declination letter which among many things does not make sense at all. First and foremost, I used to be an Underwriter and XXXX of the very first things I would do when I receive an application would be to evaluate the character, XXXX, credit worthiness of an individual and when I felt that it fell within the parameters of an acceptable risk, then I would move towards analysing other factors like capacity, collateral etc. This company as I mentioned in my initial complaint was my mortgage company and I had decided to refinance with XXXX loans and the refi was set to close end of XXXX. When XXXX requested a payoff statement from XXXX, they ( XXXX XXXX came to me and advised me that they would refinance my loan and offered to beat any rate that I was offered by XXXX. They requested that I send them the mortgage disclosure from XXXX after I had made an application with them. They locked my rates and on XX/XX/XXXX, I received a text message from them saying I was conditionally approved. All the other details have been provided in my complaint XXXX. My concern is that this company is not only practicing deceptive and unfair practices given that had they not interfered with my original decision to refinance with XXXX, I would not be dealing with this. They are also now applying retaliatory tactics by sending me an adverse letter after I filed a complaint against them and in XXXX of my emails to them, I copied CFPB email. If I was such a risk in their books, I am sure they would have been happy to see me go when I refinanced with Quicken, but now they are sending me a declination letter and after all that, I will continue to remain their client albeit against my wish. Not only has this caused me much anguish, it has tainted my credit due to the unnecessary inquiries by them. I strongly feel that this is not an isolated case that only affects me.
Product: Checking or savings account

On XX/XX/2023 we were notified of fraudulent activity with our savings account. An unauthorized individual set up an online banking profile and withdrew {$2500.00} in funds via a XXXX account set up in my name through the use of my stolen Social Security number. We froze and changed the account. The next week the same individual hacked our checking and charged {$1000.00} to XXXX and {$20.00} to XXXX. We closed and froze the checking account. As well as an account in our sons name. 

We have frozen our credit reports on XX/XX/XXXX but learned that on XX/XX/XXXX XXXX soft inquiries were made by XXXX and XXXX XXXX. Both banking institutions have sent me letters telling me of rejected attempts to set up credit in my name due to insufficient identification. 

Please apprehend this individual.
Product: Student loan

Dates of attendance at the university  XXXX XXXX consecutive XX/XX/XXXX until XX/XX/XXXX. Graduation was supposed to take place in XX/XX/XXXX. University  XXXX XXXX added two additional classes to my degree program. The school informed me that I would not get a degree if I didn't agree to the two classed added. Upon graduation the promise for alumni to intern students for jobs in the field of study was not completed. The school failed to give information on career possibilities which would have led to the salary in which enrollment in classes was intended. The University is trying to profit off the student but has not made the student profitable. 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumer 's Claims Defenses ( The Holder Rule ) ( 150.93 KB ). The note is worthless to the consumer and causes an outstanding balance to consumer credit reports. FTC Opinion Letter Affirms Consumer 's right under the holder rule. The promissory note rule can be considered inequitable to consumers. The U.S. Federal trade commission promulgated rule 433. Formerly known as the " Trade Regulation Rule concerning  preservation of consumer claims and defenses ''. Rule reaffirmed in XX/XX/XXXX. 
My credit report is the proof that will be submitted in this complaint. Beside the fact University  XXXX XXXX failed to fulfil my promissory note the school sold the loans to Nelnet. NelneXXXX advised me to seek defense against the university due to the ongoing civil suits and negative media about the school misleading students into believing secondary education will lead to higher paying jobs. The school advertises the promise to help students find careers upon graduation. The XXXX campus advises keeping grades above 85. to gain the highest paying jobs. The XXXX campus failed to comply with any leads into employment upon graduation stating a higher degree would open the door to more possibilities. I would like the CFPB to gather as much information as possible in helping me to have Nelnet and the university  XXXX XXXX removed from my credit report. The amounts for XX/XX/XXXX alone are {$27000.00} for an online course. My promissory note states that I wouldn't have to pay tuition until six months after graduation. My credit report reflects two charges per year for four years with XX/XX/XXXX having four charges. It is my belief that after all the information I have provided to the parties involved that keeping the inflated amounts on this consumers credit report knowing that the parties have failed to uphold the promises made ; at this point is because I am an XXXX XXXX woman that is paying my bills on time and would like to move forward in my life. Prejudice surrounds the decisions to correct the wrong that has been placed on the consumer. Nelnet knows that the University  XXXX XXXX has been discredited and has paid the Department of Education millions to allow them to continue to defraud students. Please help me stop them
Product: Debt collection

I am receiving calls from a " process server '' at ( XXXX ) XXXX wanting to verify information to serve papers regarding a pending law suit. I was directed to call ( XXXX ) XXXX with a case # XXXX. I spoke with a gentleman that claimed a law suit was being filed against me by TD Bank regarding a XXXX XXXX XXXX account that was opened in XXXX. He stated the law firms name is XXXX, XXXX, XXXX XXXX. The account they are referring to subsequently went into collections and was settled/paid in XXXX. However, they are claiming that I'm being sued for breach of contract, and that I owe {$3200.00}. After asking multiple questions including which county the suit was being filled, they refused to give me any additional information, and told me to stop calling back.
Product: Credit reporting or other personal consumer reports

A Food stamp, card was proceeseded to get food and drinkes. Business bank did not get the real, science data to procees an see fault of The accounting. There I did talk to run, of people working. An " none would see, " truth of the purchases through not a Chime bank card. More than XXXX was purchaseded then through an other, in. XXXX. I got XXXX placeded through a credit bureau. 

The other, in XXXX occurded through E-mail and Phone Call. Business bank does fraudeleant, tactics to use for The future of there an business to create, creditor procees an problemes for me through XXXX credit bureau to gain, more through otheres. There an again, XXXX dollaeres was reporteded. Then to XXXX  credit bureau was a negative, mark through My credit, file. XXXX through XXXX was a to do for the scenerio of the action.
Product: Checking or savings account

My XXXX XXXX XXXX mother has XXXX. My sister and I are co-POAs. Chase bank is refusing to accept our Durable Power of Attorney. My sister and I need access to mom 's account to pay bills on mom 's behalf and to monitor the balance to ensure payments go through. 
On XX/XX/2023, I presented a lawfully executed Durable Power of Attorney to Chase Bank. They said they would have to have their lawyers review it and would be in touch with me within 4 days. XXXX week later, I receive a call from a representative stating that the POA has been refused. Chase claimed that the POA requires my sister and I to act in unison and they have " no way to monitor dual signatures ''. I informed the representative that I would contact an attorney, which I did. 
On XX/XX/2023, my attorney sent a letter to Chase referencing XXXX XXXX  XXXX. The letter included a copy of recorded POA, signed affidavits from both my sister and me, and a copy of XXXX  XXXX XXXX. No reply from Chase was received by my lawyer, my sister, or me. 
On XX/XX/2023, I went to Chase to inquire about my lawyer 's letter. I had to schedule an appointment with my mother 's " personal banker '' for the following day. On XX/XX/XXXX, I met with mom 's " personal banker ''. She stated she knew nothing of the letter but offered to file a complaint ( internal to Chase ). I asked her why she didn't offer to file a complaint when the POA was first denied but received no reply. I gave her copies of my lawyer 's letter and the POA to include with the complaint. 
On XX/XX/XXXX, I received a call from Chase saying that the complaint had been received and was being looked into. I pointed out to the Chase representative the second sentence of section 1.01 of the POA which states : " The affidavit of any one of my Attorneys-in-Fact shall be conclusive evidence insofar as third parties are concerned that any act of such Attorney-in-Fact has been authorized by the unanimous consent of all of my Attorneys-in-Fact and in such event any person acting in reliance upon such affidavit shall incur no liability to my estate because of such reliance. '' On XX/XX/2023, I received another call from Chase saying they had reviewed the complaint and are still denying the POA because it requires " my sister and I to act in XXXX ''