23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had mailed W9 form to Citibank at address : " Citigroup XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ''. I didn't hear anything from them in over XXXX weeks and I had to reach out to them to know about the status. Only then they told me that the W9 has been rejected due to invalid signature. Despite these being the same signatures that I have using everywhere ( IRS forms, other financial institutions ), they rejected it. When I asked the customer support, they told me the form was rejected because my signature should have first and last name on W9. I tried to tell them there is no such requirement in IRS guidelines, they refused to help. They are pressing me to forge my signatures just for them even though it is legally not correct. Citibank also kept on directing me from one department to another before dropping the calls altogether. I am frustrated with lack of response and if there is one, it is about advising to essentially commit fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ASct this creditor ( APPLE CARD/GS BANK USA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Empire finance of AR XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Sincerely
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed with XXXX a crdito that was added to my credit report. On XX/XX/XXXX a collector was added to my report on behalf of the creditor I disputed. I submitted another dispute for these two items as I never received any documentation pertaining to these debts. XXXX decided that the disputed items were to remain on my credit report to which I requested a dispute process from them. I also send letters to the collector with no response. On XX/XX/XXXX I disputed again based on the fact that this lender and collector dont reply to my quest of a debt verification letter. But XXXX refuses to provide any information and I cant anything from the collector or lender.
Product: Debt collection

I received notification from the credit bureaus about a collection that was reported by Ability Recovery Services LLC on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a XXXX XXXX  XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with XXXX XXXX. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus po box XXXX Wyoming PA XXXX, the XXXX, FTC & Massachusetts AG office . Thank you!
Product: Debt collection

We do not owe any debts to anyone and our credit rating is superior. 

When Midland credit management calls there is no one on the line therefore, we can not stop the calls. 

Midland credit management has called XXXX times in the past week. 
They call before XXXX and after XXXX. They sometimes call every hour for extended amount of time. 

We have tried blocking their calls but, they just change numbers.
Product: Money transfer, virtual currency, or money service

I am a customer of PNC Bank, N.A. I live in XXXX, Maryland and have a good relationship with my local branch. At the end of XXXX ( XX/XX/XXXX ), I travelled to XXXX for a work colleague 's wedding. The evening of XX/XX/XXXX my Iphone was stolen from a restaurant/bar in XXXX XXXX XXXX The wedding was on Saturday, XXXX XXXX. I planned on filing an XXXX insurance claim on the XXXX when I returned to Maryland so I went to a local XXXX store and purchased a flip phone so I could make phone calls. I attended the wedding on Saturday and Sunday morning I was checking my email in a local cafe when I saw that there were three unauthorized XXXX transactions, each for {$1000.00}, each to an account under the name " XXXX XXXX. '' I had PNC online banking but had never set up a XXXX account and never authorized any transactions. I immediately called PNC bank and put a freeze on my account. I flew back to Maryland and went in to my local PNC Branch on Monday, XX/XX/XXXX. I met with XXXX XXXX, branch manager, who advised that someone had broken into my PNC online banking and set up a XXXX account. Only one of the {$1000.00} transactions had posted, so XXXX said I'll keep an eye on the account and dispute the remaining two {$1000.00} transactions when they post. In the meantime unlock your account and change the password. She also advised that I file a police report with XXXX which I did. She indicated that the {$3000.00} would be remitted to my account in approximately ten days. The money was never remitted to my account, I got a letter in the mail from PNC saying my claim was denied. I elevated the claim because these were unauthorized electronic fund transactions under 15 U.S.C.A. 1693. I spoke to several people from PNC " Executive Client Relations '' after my claim was elevated. I spoke with a XXXX XXXX who advised that PNC Bank, XXXX. does not have the resources to consider all of the information and evidence that I had submitted and offered to submit to support my claim that these were unauthorized transactions, and that my claim was denied. I spoke to XXXX XXXX from PNC executive client relations who told me that this situation is " no different than losing a wallet full of cash, '' and that PNC has no obligation to remit money to a consumer in the event of an unauthorized electronic fund transaction. I feel like PNC Bank, N.A. is disregarding their obligation under federal law. I returned to my local branch after speaking to executive client relations and again spoke with XXXX XXXX who expressed disbelief that PNC Bank N.A . had denied my claim. She indicated to me that it's " obvious '' that I was the victim of theft and she could not comprehend why PNC Bank, N.A. was denying my claim. I did not set up any XXXX account nor did I authorize any money to " XXXX XXXX. '' Whoever stole my phone also tried to steal money from me via XXXX and XXXX pay, but these transactions thankfully were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account 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 reporting or other personal consumer reports

Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/XXXX Item Disputed Account name - XXXX XXXX  Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off *6 years* ago Additional comments Transunion Every time I dispute this account w/any of the 3 credit bureaus my TransUnion score drops when XXXX updates the descriptors/history. XX/XX/XXXX dropped XXXX points. So I disputed it again that the history wasnt being reported correctly - then that dispute resulted this dropping my score another XXXX pts on XX/XX/XXXX, because they reported it as a new chargeoff again ( see attached supporting documentation its from the bureaus because The TransUnion website wont allow me to request my report, nor dispute ). This is for an account that was charged off 6 YEARS AGO! A *9 year old* account that was charged off *6 years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Theres even a 90-day late reported XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  ( see attached supporting documentation its from the bureaus because the TransUnion website wont allow me to request my report, nor dispute )! An account that was charged off in XX/XX/XXXX should not be reporting any new 30/60/90-day lates in XXXX. Nothing new should be reported after an account is charged off. This is an egregious Fair Credit Reporting Act violation. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations Ive been denied credit numerous times because of these violations! 
Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!
Product: Debt collection

there are XXXX fraudulent accounts reporting on my consumer report and i am demanding these accounts be deleted. i submitted my police report and ftc report months ago and i am still dealing with these accounts reporting on my consumer report. i did not authorize and opening of these accounts. account number - XXXX ( date open XXXX XXXX ) account number - XXXX ( date open XX/XX/2023 ) account number - XXXX ( date opened XXXX XXXX ) delete these accounts immediately you guys are seriously ridiculous allowing these accounts to be opened without verification, this false reporting on my consumer report is now causing devastating damages to my mode of living and reputation. I am currently suffering damages from the inaccurate reporting of these accounts that i did not authorize and demand that you fix it immediately.
Product: Credit reporting or other personal consumer reports

My student loans were originally with Great Lakes. In XXXX I had a XXXX XXXX of XXXX. It dropped a little due to credit card usage from emergencies, but was still in the XXXX. When paying towards my student loans, I had been paying anywhere from {$200.00} to {$300.00} per month and usually paid that in smaller increments every two weeks. In XXXX of XXXX I checked my credit score to see that it dropped down to the XXXX. The report showed that there were no payments on my student loans. Nearly two months went by and the report showed my payments and my score went back up, but it was in the mid XXXX instead of high. This has happened off and on for the last few years. 

Nelnet took over my loans, which excited me because I was glad to be away from Great Lakes, however, the problem persisted. While my loans were being transferred, the credit report showed that they disappeared. It looked as though the loan was wiped out, which decreased my credit history. When the loans finally appeared on my report, my score did not go back up. It was recognized as a new loan. Please note, I had still been making payments this entire time. 

In XXXX, Nelnet also failed to report my payments and my score tanked to the XXXX. It is now late XXXX of XXXX and just a year later, my score is barely back to XXXX. 

I also filed disputes with Credit Bureaus to no avail.
Product: Mortgage

I was divorced in XXXX at which time my ex-husband retained the family home but could not qualify due to poor credit to refinance and also due to the home 's negative equity which was and still is approx {$100000.00} - {$150000.00}. Our mortgage at the time was a conventional loan with XXXX which was reassigned to Caliber sometime after XXXX in XXXX. In XXXX of XXXX Caliber Home Loans modified the loan to an interest-only payment ( on a home already over-leveraged by almost 40 % of its actual current value ) without my knowledge, consent or signature. I am a full co-borrower on the loan, but no longer on the deed. Caliber is stating they did not need my signature to process this loan modification that altered the terms of the loan I had agreed to because I am not on the deed. I am stating that what they did was illegal and constitutes fraud. I have attached the modification agreement for your review. On my signature line, Caliber instructed my ex-husband to write in " N/A ( per quitclaim ''. I contend that Caliber was fraudulent in doing so, and that they did so based on my ex-husband 's sole income, financials and ability to pay, I should be removed from the loan, paid damages for the damage to my credit for all the late payments my ex-husband has made. In addition, I want to stop them from processing a deed in lieu of foreclosure on this property which I have now learned my ex-husband and co-borrower has initiated application for at this time. Contact at Caliber is XXXX XXXX, Assistant VP of Loss Prevention Claims, XXXX
Product: Credit card or prepaid card

I paid my care credit card off. After I paid it off they drop my credit line from {$1500.00} to {$100.00} I only use this card to take my animals to VETS now I cant even do that but with this credit card company did. This is not the first time they have done this to me I had a gas card with them paid my bill every month on time and they canceled my card something needs to be done about this company. I am sending a copy a bill showing it was paid in full never missed a payment never been late. They tried to charge me interest and late fees many times when my bill had no interest and was paid on time and not late and I called and complained about it. They are discriminating me due to my credit rating and drop that is discrimination they get their money every month
Product: Credit reporting or other personal consumer reports

The company " XXXX '' had a representative scheduled to come to my then business and demonstrate an " air purifying '' system. The system was purchased and information was established to start making payments. 

The payment began in XX/XX/XXXX, with the XXXX  payment being roughly {$110.00}. Payments were being made and the business was closed however the payment account information was updated to my checking account in XXXX. 

Since XX/XX/XXXX, the company has been withholding money from my account and exceeding the original balance of the account. I have requested that they send an e-copy of the ledger but haven't received it. 

XXXX has closed the account of my credit report, however, today XXXX XXXX, 2024, they have made another attempt to collect a payment which I have placed a stop payment via my bank account. It just seems like they keep attempting to randomly hit my account to exploit money. 

As you can see from the attachment, XXXX XXXX has collected a total of {$2900.00} between XXXX through XXXX. Per my records, this account has been paid and I am owed money, however, the account is misreporting and several attempts are being made to make money and create overdraft fees.
Product: Debt collection

18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report.
Product: Credit card or prepaid card

Out XXXX son received a card in the mail from XXXX -- He did not request it. 
When he called to cancel it -- They kept asking personal questions and stated that if he canceled it -- he would lose the {$72.00} he supposedly had on the account. 
He never requested the card nor asked for it to be activated.
Product: Debt collection

To whom it may concern, My name is XXXX XXXX reside in the XXXX XXXX  Florida. I had open credit card with bank of america and was pain the credit card with good standing until i was let go from my employment in XXXX and i was still paying with good standing until XXXX and then the pendemic hit here in Florida and i missed to month of payment. I then called bank of america to withdrawal the money from my checking account to later get a letter from a collection company. I can't recall the collections company 's name but that's who i was making payment 's to. Bank of america closed the account on, XXXX, XXXX XXXX.I was in the impression that my payments where being withdrawal by bank of america but it was not so. Then I receive a letter from this company that calls them self XXXX XXXX  XXXX that they are an attorney at law firm representing bank of america. On XXXX, XXXX XXXX some papers where left for me regarding a lawsuit by cooling and winter for the amount of XXXX plus court feeds which totals to XXXX dollars that i can't afford to pay with everything that is going on today. I had a hearing today with the court and try to settle with the so-co attorney but he would not want to settle for the amount of {$3000.00} dollars which is more then what they pay for the account when they purchased. I now have a trial date for XXXX, XXXX XXXX and can't afford to pay for an attorney. This is really disturbing that am being sued by a company that i don't even know and the state is allowing it. Can someone please help me.
Product: Mortgage

This is not a complaint against XXXX XXXX she is trying to help me. I have several concerns. I did get an NOI not certified but i did get it. i have concerns about fees on my account i will not pay and should not be assessed. There is no need for a property inspection fee. Various legal criteria must be satisfied before these can be assessed and where not.i know fay servicing knows where i am. I also know that case law indicates that i must be noticed before this happens and borrower communication is a issue bank must consider ebfore inspections occur. In XXXX i sent a letter ceritfied to FAY saying not to conduct inspections i am home house is not vacant. i know you will say promissory note allows this. Not without various legal criteria being satisfied. 
As for loan modification, I am very concerned esp during covid 19 i can be in this situation and i have no entitlement. I need all documents upon which the decision to deny me was made. Also i am in appeals period til XXXX. I am going to be requesting several items from Fay servicing thru a QWR shortly but i need documents upon which recent loan mod rejection was relied upon. i wont pay any inspection fees as i warned months ago they are not needed please stop them. Varoius legal criteria i know about not met. 
Thank you
Product: Debt collection

I took out a payday loan in 2018 that was not paid back entirely. I made payments on the debt but lost my job and unable to finish at that time. I had used a payment arrangement previously to pay back a loan when it became difficult. I was advised I could only do this once in a 12 month period so I would not be able to do it again when I lost my job a few months after that arrangement. The debt was sent to a collection agency. I did receive several voicemails about the debt but was never sent any written correspondence, nor do I answer unknown numbers. The agency was never identified in the voicemails and I do not call back companies that do not identify themselves as I get a ton of " robo-calls ''. The calls eventually stopped. 
Today I received a phone call from a " local '' number and answered as I am in the middle of a job hunt. I didn't want to miss a potential employer calling. The representative stated her name and asked " so I know who I am talking to, can you verify the last 4 of your social? '' I had to ask for her to identify the company which was D2 Management. I have never heard of this company. She did state that she was calling for XXXX XXXX XXXX and then stated the disclosure to this is an attempt to collect a debt, for collection agencies. She advised what the amount was, which was {$500.00}. During the conversation, I stated I had never received any correspondence that they were attempting to collect on this debt and that I have no idea who this company is. She said I could look the company up on the XXXX  site. I advised I was currently unemployed and could only make a small monthly payment of $ XXXX. The representative ( XXXX ) advised that the payment would have to be " approved '' since the debt is over 12 months old and would have to be an auto payment by credit or debit card. I declined this and advised once I received a letter in the mail verifying the debt and payment arrangement, I would send in payments by money order if required but I do not do automatic payments. XXXX told me that if I was worried about having my information that I could get a prepaid debit card but that mailed in payments could not be accepted. I asked again to have a letter sent in the mail verifying the information and again ( several times ) advised I was not going to set up an automatic payment but I would mail in payments. She told me at that point that " we are not going to send at letter since you won't set up an arrangement at this time. I am trying to help you but we have to have this arrangement set up, the debit or credit card on file before we send a letter. '' I informed her that the company is required to send a written notice of the debt and with the refusal not to do so, the conversation is over. ''
Product: Credit reporting

I requested a credit report online from Experan. They show a false current address. I 'm not sure how to dispute or fix this. 

thanks