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

On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.
Product: Debt collection

XXXX I received a call and he asked if I would be home or some one over the age of XXXX would be. I asked why and he said some one over the age of XXXX need to sign for a delivery i asked what type of package is it he said a document and he said I cant say any more that he also said to call this phone number XXXX and they can schedule a time for me to come back out. 
@ XXXXXXXX XXXX  I called XXXX and the lady asked for my name I gave it to her and she gave me my last four of my SS # and then looked up my account and said that if I don't pay this bill of {$930.00} buy Thursday it will go to court and then i would have to pay {$2200.00} in court fees and lawyer fees i said ok ill see what I can do. 
@ XXXX i called us bank which is the bank the I so-called owe money to i spoke to a very nice lady and she said that this doesn't sound right and she looked up my account and said i don't have one there and then transferred me to a norther person and they called me back @ XXXX he said the same thing that I don't have a account with them so 2 people said the same thing. 
@ XXXX i called my wife and she said the same thing no i dont have a account there. 
@ XXXX i called them back and said if you can show me the proof i would gladly pay it. 
I told them my dad and I share the same name and he knows my SSN and I dont know if this was something he did in my name. I have found other things he had done in my name. I had asked where the account was opened, what was the address on the account or phone number and no one will give me that information. If they say this is an account I opened then why wont they give me any info on it? Why when I ask these questions am I shut down? I want some sort of visible proof that this was me, that this was a legit account and they wont give that to me. All I want is proof and then I will gladly take care of this but I do not want to be scammed. 
I have searched all day online for this business and there is nothing to be found. I have used all the information in the email they sent me and I cant find anything online. 
this is the only information I have on the company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Product: Vehicle loan or lease

I have contacted Pentagon Federal Credit Union three times to get the claim initiated on my vehicle loans that have protection for debt repayment in the event of illness or injury. When I contacted Pentagon they advised that I will have it provided to me within two business days from a company named XXXX. 

As of XX/XX/2020 I have not received the forms to complete and the claim number. This is required in order to initiate the claim. The company has collected on the injury accident plan from the day I received the loan. 

I am now in urgent need to get this started as this bill should be paid for by the insurance I took out in the event of need. I'm in that position and can get the supporting documentation to the credit union or XXXX  however they prefer to proceed.
Product: Mortgage

My loan was sold to Ditech Financial LLC. I have been trying to change my payment back to every other week from monthly. Although they state offering this service and have a corresponding form, they continue to reject my request and can not tell me the correct start date I need to put on the form with the appropriate day of the week for approval. They continue to reject the form stating I need a different start date or day of the week for the biweekly payments. They also requested that I pay an additional month in advance -- but instead of applying this to the biweekly payments- they took the money off of the balance of the loan and are now again requested an additional payment. Today I called their help number, but their computers are down and they ca n't see my account. Dealing with Ditech is like going to a dysfunctional circus. They will not benefit from me paying of my loan sooner -- therefore they are making the process very difficult.
Product: Debt collection

Equifax has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX, which Equifax reports negatively that I owe this company. There is no contract. This debt is not mine.
Product: Mortgage

Truist Bank was contacted in reference to a mortgage loan/account about a payment that was overlooked, although all other payments were submitted on time or before time. We reached out as to a courtesy of the removable of a 30 day late notation that hit our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CitiBank XX/XX/2019 addressing my TWO concerns : 1. Debt validation for two CitiBank TWO accounts : XXXX, XXXX 2. Consent Order, CFPB vs Citibank However, here are the problems : 1. Citibank sent me debt validation for only ONE account, instead of TWO accounts. Also the debt validation account number provided ( XXXX ) is not consistent with both accounts numbers listed above ( *see attachment ). 
2. Citibank did not address REASON WHY CFPB vs Citibank does not apply to BOTH my accounts. 

Please address both these concerns. I'd greatly appreciate it.
Product: Bank account or service

Chase Bank has charged me a total of XXXX XXXX overdraft fees since XXXX. When I opened up my account I signed up for mobile alerts and email notifications to help keep track of my finances since they are offered by the bank. I do not receive any of these notifications. Chase in fact has charged me overdraft fees while my direct deposit is in my account in pending status. This situation has created an effect where now I ca n't balance my direct deposited income versus these fees. When I call customer service no one is able to help me and when I tried going to my branch they also turned me away. 

Chase also reversed a merchant dispute with no notice for charges that were a result of fraud at a nightclub. The denied re-opening this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Equifax website, my personal information may have been compromised in a data breach, putting myself and 209,000 other people at risk. I would like restitution for mishandling of my personal data.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and experian continues to report these erroneous accounts. Reminding me of this horror, they are totally ruining my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  need to report Ocwen Loans transferred to another lender.
Product: Mortgage

we received a phone call stating we needed flood insurance. we had already had sent over that we where exempt from flood insurance From Fema. While we worked with Fema to get corrected current paperwork to show this we agreed to get flood insurance to apease the Mortgage company. Wife and i shopped for flood insurance. We found a policy and we emailed this to our contact at the Mortgage company. She told us that we needed to call in to activate and for the mortgage company to pay this. We did this and verified that she received the copy of the policy and she would get it paid. She also explained that our escrow amount would go up alittle each month to accommodate the flood insurance. We understood that. She also said she would contact us later to give us the difference each month that we would have to add to our escrow payment. policy was sent on Monday XXXX XXXX.cost for policy {$3600.00} After following up with the flood insurance company near the time the policy starts we found out it was never paid. Since it takes 30 days to have the underwritters to rewrite a policy we had to start over. We have done this monthly resubmit to the mortgage company and we now no longer get a reply from phone calls or from emails to the company. On XX/XX/XXXX we finally received a message from the agents supervisor. Stating they bought a flood insurance policy for us on XX/XX/XXXX  for {$5400.00} almost twice the cost and we had no knowledge of this policy. our final policy that was sent to the mortgage company was on XX/XX/XXXX  for the amount of {$2400.00} even the insurance agent mailed and faxed the new policy and they to this point have not received payment. XXXX reply back from the company to the insurance company or to us. Now with out notice they have raised our mortgage payment from {$2100.00} ( XXXX pmi insurance, {$1800.00} mortgage payment and property insurance ) now our bill starting in XXXX will be {$3900.00} without notice by mail or email. We have sent emails trying to get an explanation because phone calls at this point are pointless because they never return messages. we are so frustrated My husband is on XXXX and between the two of us we dont even bring that kind of money between the two of us. its why this was supposed to be paid monthly. Such a disaster and we didnt know where to turn besides getting an attorney involved. Please let us know if you can help us get this fixed. Thank You
Product: Consumer Loan

I am filing this complaint against TD Auto Finance regarding a TD Auto Finance account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my XXXX credit file in XXXX XXXX. I disputed this 3 times with XXXX. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called TD Auto Finance myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with XXXX and the results returned back to " Pays as agreed ''. I looked at my XXXX credit report almost two weeks ago and XXXX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my XXXX file this account shows in the 81 month payment history that the account was charged off XX/XX/XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called TD AUTO a second time and refused to help me. XXXX is blaming TD Auto even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. XXXX reinserted a charge off status and never informed me of doing so. XXXX and TD Auto must delete this from XXXX immediately. See attahment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found improper use of my report not allowed by laws 15 U.S. Code 1692c, and Section 609 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC report to support this complaint with the FTC number XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit reporting or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that I do not recall. I did not authorize the inquiries below. Please review the items listed : Creditor name : XXXX XXXX XXXX name : XXXX XXXX XXXX name : XXXX XXXX XXXX name : XXXX XXXX XXXXXXXX Creditor name : XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries on consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.
Product: Debt collection

Omega RMS , LLC is attempting to collect for XXXX XXXX XXXX. I called XXXX as verified I own nothing. I called Omega and told them to stop contacting me by any means. Still receiving contact. Reference XXXX
Product: Debt collection

Blakely Witt and Assco is trying to collect money on a property that was sold and no longer exists. They said I signed a lease but when I look at the signature the signature is electronic and is nit the way I sign my name. I asked them several times to remove the debt from my credit report and they refuse and call my job constantly making threats and harrassing me. The lease was signed on XX/XX/2019 and I received an email from the property on XX/XX/2019 saying they haven't sent me the lease to sign. Blakely Witt is aware and is not doing anything to fix it. He said he would settle with me for XXXX. I told him I am not paying anything I sign my name XXXX XXXX and it was signed XXXX XXXX XXXX. I never use that signature.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Costumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and loss, and I seek appropriate redress for these violations.
Product: Bank account or service

I signed up for Citibank 's " {$400.00} Checking Bonus with {$15000.00} Initial Deposit '' promotion via their promotional " Apply Now '' link on Citibank 's landing page and opened the " Citibank Account Package '' on XX/XX/XXXX. 
The XXXX deposit minimum was met on XX/XX/XXXX. 
The 30 consecutive days requirement was met on XX/XX/XXXX. 
The {$400.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. 
It 's currently XX/XX/XXXX and no bonus has been posted to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX Account # ending # XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
TransUnion is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, TransUnion, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to TransUnion, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). TransUnion is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Debt collection

This is not a duplicate complaint. It is a new complaint about the same company. Account was paid by XXXX. Company is saying that it meets all requirements of fair reporting act. I am not disputing that the account didn't exist just that I don't owe it. They removed it due to account being closed on my other credit reports so they know I don't owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 a collection agency appeared on my credit report as XXXX XXXX XXXX who reported a debt as XXXX. At that time I contacted the company via certified mail requesting validation of debt because this debt does not belong to my person. They failed to do so and ultimately removed the collection account from all main bureaus which included Experian, XXXX and XXXX. Unbeknownst to me this was still listed under Rent bureau because they proper procedures were not followed on XXXX XXXX behalf to communicate this account was removed. I am uploading the cfpb complaint where XXXX XXXX  XXXX requested for this account to be removed from my credit report. This account does not belong to my person and even list an invalid name. In order to retain a lease with any agency valid identification must be provided or at least I would think so. Whoever opened this account did not even have my correct name. This account is a violation of my rights as a consumer because this account is fraud and does not belong to me.
Product: Consumer Loan

On XX/XX/XXXX I leased a XX/XX/XXXX diesel Volkswagen from XXXX Volkswagen dealership in XXXX, New Jersey. I chose the car because it was advertised as " clean diesel '' which turned out to be lie. In XX/XX/XXXX, the court approved Volkswagen terms to compensate the owners as well as those who are leasing. I decided to end my lease as per the agreement approved by the court. The car was returned to XXXX Volkswagen dealership on XX/XX/XXXX. My last payment was made on XX/XX/XXXX, which was for the month of XX/XX/XXXX. I also received a check from Volkswagen as per the court agreement to compensate early termination lessee. To my surprise, I continued to receive payment statement from Volkswagen. I reached out to them on XX/XX/XXXX and spoke to XXXX who then transferred me to a representative by the name of XXXX. I informed both of them that my transaction was completed and gave provided the claim number that shows that I returned the car. On XX/XX/XXXX, I reached out to the company again because I received a notice that threatened to report the late payment to credit bureaus. I explained to them this must be a joke because I made all necessary payments and the car was returned to them. The representative and the manager whose name is XXXX said they were going to look into it. Once again, I continued to receive payment statements and Notice of Default and right to Cure New Jersey. This is bullying tactics by a company who is attempting to victimize and defraud me twice. They are attempting to ruin my credit because I chose an early lease termination.