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

Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Inquiries XXXX XXXX XXXXXXXX Banking : XXXX XXXX XXXX  XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Banking : XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX : XXXX  XXXX Finance : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Report Created On XX/XX/XXXX XXXX
Product: Mortgage

I called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. 

Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. 

While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. 

The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX  XXXX  which the representative gave me their customer service number. I called XXXX XXXX  they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance.
Product: Debt collection

I have tried several times to have FAIR COLLECTIONS & OUTSOURCING to send me verification of debt. on to this day I have n't received any notice from them. I would like them to completely remove any negative mark on my credit reports.      XXXX  Account Type : Collection Account Type - Detail :  XXXX   XXXX   XXXX  : Joint Account Status : Derogatory Monthly Payment : - Date Opened :  XX/XX/XXXX   Balance : {$3400.00} No. of Months  (  terms ) : -  High Credit  : {$3400.00} This is the only information that I have of this dept that is showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Student loan

Public Service Loan Forgiveness issue similar but different as shown on 60 minutes tonight.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered unauthorized accounts reported under my name. These accounts were opened without my authorization and should not be associated with my credit file. The fraudulent accounts include : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX  XXXX ( Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) These accounts were opened without my knowledge or consent, and I have already filed an identity theft report with the FTC.
Product: Checking or savings account

On or about XX/XX/2022, CITIBANK received funds I had transferred to them from my personal checking account to fund a Citi Accelerate High-Yield Savings Account. Per a Citi acknowledgement letter, funds were received by them on XX/XX/2022 and available XX/XX/2022. 

The above account was opened in response to a Citi solicitation mailing ( personal invitation code XXXX ) to receive a {$300.00} bonus if funds were received within 20 days of opening a Citi Accelerate High-Yield Savings Account in the amount of {$30000.00}, and the deposit maintained for an additional 60 consecutive days - all of which requirements were met. 

Approximately five or so weeks ago, I contacted Citi to inquire about the status of the {$300.00} bonus I was entitled to for opening the account. ; was told it would take a few more weeks to process. 

On XX/XX/2022, I contacted Citi again to inquire about status of the {$300.00} promo bonus; was told my account was opened in the " wrong package '' (???? ). Citi representative said account was opened in a Basic package (? ) not an Access package (? ) which was the one available for the bonus dollars. The Citi representative could/would not give me a clear explanation of what they were talking about. 

To reiterate, my account was opened pursuant the above referenced Invitation number ( XXXX ), and all requirements complied with. I have made arrangements to close the account, but feel I am entitled to the {$300.00} bonus .Nowhere in the literature I received from Citi is there any reference to different " packages. '' This sounds to me like and bait and switch scam, such that I would not have expected of CITIBANK..
Product: Credit card

Online order placed on XX/XX/XXXX : XXXX XXXX XXXX shipped delivered by : XXXX XXXX never received by me. 
XXXX XXXX refused to provide documentation as to reason for denial of dispute based on " goods not received. '' XX/XX/XXXX A charge for {$120.00} was posted to my XXXX XXXX XXXX account ( Synchrony Bank. ) Disputed charge for reason : " good not received. '' XXXX XXXX email dated 07/11/2024now states can not proceed because I filed a claim with my bank -- I did not the payee is XXXX XXXX XXXX. I did not use a bank card or credit card. 
ALL attempts to reolve this with XXXX XXXX have proved to be futile, unable to contact a XXXX or anyone who will discuss case. 
XXXX XXXX  Customer Service : All emails are sent from a " do not reply '' email address. 
The attached document provides the details of the original dispute with XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX bills me for wireless i never had. Keeps billing me XXXX I wont pay it. The collection agency called and sent notice. I owe you nothing. Never had a XXXX XXXX XXXX   wireless or any other service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that are not mine. I have reached out to the FTC and to my local department. Please move them from my credit. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. There were also some inquiries that are not mine as well, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX 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 am doing this on my own behalf.
Product: Credit card or prepaid card

I have a discover credit card. I have been ill this year and also had an injury. 
I made a payment and somehow it returned. I checked the discover account and removed the card that I do not use. It did not come from the card I wanted. Keep in mind that card was removed and I could see it was removed from the account ; however, they still tried to charge it. I had already deleted the old payment arrangement, paid XXXX and made a new payment arrangement. yet, they are still trying to charge me from the old payment arrangement which was deleted. 
I made a new payment arrangement and paid XXXX and it has gone through. the payment arrangement is to pay XXXX over the next 12 months. ( I have had issues surrounding XXXX  more than once this year, and XXXX as I stated ) I called in and talked to XXXX, who apparently was not listening to what I said, and I asked for a supervisor. I had to ask him again, I said, " respectfully, I am asking for a supervisor. '' He placed me on hold, was on hold a while, then I could hear what sounded like grunts and whispering. He seemed to want to argue, instead of getting to my immediate concern of charging a card that was removed. 

My concern is this is not the first time they have tried to take payments from a card that has been removed from the account. I have already made a new agreement, but I first paid XXXX. Somehow that does not seem proper to charge a card that is no longer tied to your account for payment. it was removed days ago and they tried to charge it just last night.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters to XXXX  and Equifax regarding inaccurate and unknown things on my credit reports to XXXX  and Equifax. To this day over 30 days later. I have not received a response at all. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that, failure to investigate these items within 30 days and gives a reason to immediately remove those items from my credit reports. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to stress you have caused me. My information may have been impacted by the Equifax Data Breach and may have gotten in the wrong hands.
Product: Credit reporting or other personal consumer reports

I filed a dispute with LexisNexis on XX/XX/24 about a public record ( bankruptcy ) that they were improperly reporting. I verified my identity with them and uploaded all the proper documents for my dispute. I called LexisNexis on XX/XX/24 about my dispute and they told me my dispute has not been resolved and they would expedite my dispute to someone so it cant be resolved. It is now over 30 days and i have still not heard anything back from them by any form of communication.
Product: Credit reporting or other personal consumer reports

XXXX*Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Request for CFPB Assistance Against XXXX XXXX Equifax, and XXXX for Violations of Federal Law** Dear CFPB, I am requesting your assistance in taking action against **EdFinancial Services, Equifax, and TransUnion** for their failure to provide documentation and continued inaccurate reporting of a **paid and closed student loan account** on my credit file. 
Despite my repeated requests, XXXX has not provided any proof of their right to report this account**, yet Equifax and XXXX continue to include it in my credit reports. Their actions violate federal laws that protect consumers from inaccurate and unverified reporting. 
**Violations of Federal Law** The actions of XXXX, Equifax, and XXXX may constitute violations of the following laws : **1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. ** - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Furnishers must not report inaccurate information. XXXX is reporting an account without verification. 
- **15 U.S.C. 1681s-2 ( b ) : ** Credit bureaus and furnishers must investigate disputes and provide proper verification or delete the disputed information. Equifax and XXXX have failed to remove this unverified account. 
- **15 U.S.C. 1681i : ** Credit bureaus must conduct a reasonable reinvestigation of disputed information. Equifax and XXXX have **failed to verify this account** and continue to report it inaccurately. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. ** - **15 U.S.C. 1692e ( 8 ) : ** It is unlawful for a debt collector to communicate false credit information or fail to report that a debt is disputed. 
XXXX. Truth in Lending Act ( TILA ) - 15 U.S.C. 1631 et seq. ** - XXXX is required to provide clear and accurate disclosures, including verification of the debt. Their failure to do so raises serious compliance concerns. 
**Request for CFPB Action** I request that the CFPB : XXXX. **Investigate XXXX, Equifax XXXX and XXXX** for their failure to provide proper documentation and their continued reporting of inaccurate information. 
XXXX. XXXXCompel XXXX to provide documentation proving their right to report this account** or remove the account from my credit reports. 
XXXX. XXXXHold Equifax and XXXX accountable** for failing to properly investigate my dispute and continuing to report unverified information. 
XXXX. **Ensure the immediate removal of this account from my credit reports** if no valid documentation is provided. 
Please advise me on the next steps I should take. I appreciate the CFPBs assistance in ensuring these companies comply with federal law and correct this issue.
Product: Mortgage

I was surprised to learn that bi-monthly payments made to Quicken Loans on mortgages are not credited at the time the payments are made, but are only credited once a month. Obviously this results in Quicken being able to collect interest on the monies that are collected for XXXX days or more before they benefit the consumer. We learned from Quicken that this information is outlined in their closing documents. It is not clearly disclosed on their website information regarding bi-monthly payments or verbally disclosed when enrolling in the bi-monthly payment plan. This is certainly different than many other mortgage lenders and a benefit to Quicken and not the customer. At least any customer moving to the bi-monthly payments should be made aware that their payments are not credited when received by the lender.
Product: Money transfer, virtual currency, or money service

Zelle not having a warning or disclosure before sending money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for about 6 months. They dont care that they are reporting incorrectly. Im educated on the laws and its the law that each credit bureaus has to report 100 % accurate information on the consumer accounts. They are really not cooperating with me at all. They are ignoring what Im saying to them. They keep on saying that the account is verified or accurate but I never stated that the account wasnt mines I just pointed out the errors and I just want the account delete because they are reporting the account incorrectly. I have the original statement from the creditor and they still reporting the account incorrectly. I want the account deleted immediately, I will take legal action next because they really acting as they dont care.
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX- XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX - XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I received written notification from Midland Credit Management that my account with XXXX XXXX account ending XXXX ( XXXX  ) had been sent to them on XX/XX/XXXX for not paying the amount of {$460.00}. 

Upon receiving this notification, I checked all of my bank records and found no such account in my records. I do have 3 other XXXX XXXX  accounts : XXXX ending XXXX, XXXX ending XXXX, and XXXX 's ending XXXX. I then called XXXX XXXX to see if they had charged-off a debt on any of my accounts, and they confirmed that they had not and went as far back as XXXX. 

I have never received a bill ending in XXXX and this is the only document that I have received.
Product: Debt collection

Midland Credit Management Inc ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX FAX # ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Midland Credit Management Inc or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Midland Credit Management Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX