23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to abstain credit.
Product: Payday loan, title loan, or personal loan

I closed on a home equity line of credit at the end of XXXX at local TD bank branch in XXXX, SC. There were 6 creditors to be paid off and as of XX/XX/XXXX, only 4 have been paid in full. I have contacted my loan officer numerous times and he told me that the checks got lost in the mail and would be resent. He told me to keep checking the accounts everyday and to keep him updated. I tried reaching out to him via email and phone and I got no response. I had to keep emailing and calling and leaving voice mails and then he finally called me back. I let him know my frustration and how disappointed I was in this process and that I shouldnt have to keep calling and calling and calling trying to reach him. And that this should have been resolved weeks ago. I have had to make all my XXXX payments for the credit cards that were supposed to have Been paid off when we closed back in late XXXX. And the TD bank loan for the home equity line of credit. Its now XXXX and XXXX XXXX  and XXXX XXXX  ( XXXX XXXX  ) still have not been paid in full as of this morning, XX/XX/XXXX. I have called and emailed my loan officer and he has yet to respond to me. So therefore I am filing this compliant and hope that this can be resolved once and for all.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

XXXX XXXX reported to the credit bureaus that my payments for XXXX and XX/XX/year> as 30 days late. I have not made my payment 30 days late. Also, XXXX Mortgage has increased my payments from the signed contract amount. My mortgage amount is now {$2600.00} which I never agreed to pay. This fee is not a late fee amount. My contract clearly states that my monthly mortgage is {$2400.00}. I should not have to pay any additional amount other than my contract amount unless I am paying a late fee.
Product: Debt collection

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 IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

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 XXXX, 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. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit card or prepaid card

Today I was on the phone with Citibank attempting to find out the status of our rewards for the use of the Citi-Costco card, there were more than {$600.00} dollars that we were entitled to during 2019. I was told that because my wife had given up her card the rewards were forfeited! I was outrage when I heard that. I explained that I am also a Costco member and have the Citi-Costco card, I requested that the rewards be transferred to my account, I was told that that is not an option. We spent a lot of money to accumulate such an amount ( more than {$600.00} ) and  Citibank just indiscriminately decided to forfeit them, that is ludicrous and not acceptable. Citibank can not be allowed to hold a cardholders hostage by dispensing the rewards at their pleasure. The rewards are the property of the cardholder who spent the money to earn them, they are not a gift from Citibank. 

I was so enraged by Citibanks attitude that I decided to pay the owed amount of {$14000.00} on the spot. I have two other Citibank cards that I am considering closing and not ever do business with Citibank ever again. I want you to know that if that is your policy, it is completely wrong! My wife and I charged thousands of dollars on the Citi-Costco card with the intent of getting a respectable sum in return and its disgraceful that Citibank can just decide to forfeit more than {$600.00} of my money. My wife was NEVER told that she would lose the rewards if the account was closed. Other credit companies allow cardholders to either cash or transfer their rewards to other rewards programs but according to the employee I talked to Citibank doesnt do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a noticed that XXXX  and experian Placed a 7 year extended fraud alert on my consumer profile with out my written or verbal request! This is a clear violation of FCRA. 
You do not have my permission to place any type of fraud alerts unless you had my written or verbal request to do so. That also includes fraud indicators as well. I have my own identity theft protection through my bank! I demand that experian and XXXX remove all fraud indicators and and alerts from my profile with in 72 hour.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

15 U.S.C 1681 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) states- no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 we purchased XXXX Western Union money orders from XXXX in XXXX, OH. Then deposited them into our bank account. On XX/XX/22, XXXX of the money orders in the amount of {$1000.00} was returned by our bank. We redeposited the money order, for it to be returned again on XX/XX/22 with the return reason " refer to maker ''. We are unable to redeposit it again. 

We went to XXXX where the money order was purchased and was told we would need to contact Western Union directly. We attempted calling Western Union without success of reaching a person. On XX/XX/22, we submitted an on-line request to refund the money order, which could take up to 30 days. On XX/XX/22 we called Western Union and were finally able to reach a person. We asked about the status of the refund to be told that the money order had been cashed. We explained that we tried depositing it and it was returned to us by the bank. We were told a refund check would be sent to us by XX/XX/22. 

On XX/XX/22, we followed up to confirm a check was sent. We were told the same thing, that it was already cashed. We were spoke to a supervisor who asked for the bank letter that had previously been submitted to Western Union on-line, to be emailed to them for escalation. 

We were told it could take several business days before we will receive a response. Western Union has had the {$1000.00} for the past two months. We still do not have the {$1000.00} that my son needs for his college tuition. We need help resolving this issue and need that money immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus multiple times, I have sent in police reports showing that i am a victim of identity theft. I have asked that these fraudulent accounts and inquiries be removed as they were not authorized or opened by me & they have yet to respond or remove the accounts and or inquiries. 


ACCOUNT : XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + INQUIRIES : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXXXXXX Inquiry : 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

Good day - I applied for a credit card and received an auto rejection. Based on the denial, I requested a copy of my credit report. I did this electronically. When I did this I found out on all three reports there was a collection from XXXX Services for {$500.00}. The error seems to have started in XXXX and when into collections. I don't understand as I have purchased a vehicle and done other things since that time. However, the problem needed to be resolved. When I said this was not my account and it was impossible as I have never had a XXXX Cell Account and my current residence system is with XXXX - XXXX XXXX removed the error. I then moved onto Experian. They would not remove the error based on their investigation. When I telephoned last week to discuss they first told me that if it was cell services perhaps I was showing a balance on the cable side ( this account whatever it is was established in XXXX - again - I have had XXXX since that time so something should have popped. I hung up and called XXXX side. Sorry line is current and nothing under my SSN. I then called the number on the credit report. I was on with XXXX for over an hour - I went from rep, to a supervisor, the supervisor went to credit services. When I gave them my social absolutely nothing came up. XXXX told me they couldn't even tell me how to get rid of it because there is no social for them to pull back to. They went back to XXXX and there was nothing. I then called back to Experian and it was the worse experience I have ever had. The representative kept telling me it had to be my account because it was on my account. How did it get there? I kept trying to explain that there was no social for them to pull and I needed to speak with a XXXX. She refused and kept trying to tell me the credit laws on how and account is stablished and blah, blah, blah. I tried to explain to the woman would she please stop talking and listen. Again, she absolutely refused and claimed this had to be mine. I tried to ask her to please be quiet so I could talk and to my shock she refused. I told her I was the customer/client and had the right to talk and she said I had to listen to her. At that point after being on the phone for over XXXX hours that day with differing agencies, I hung up on the rudeness. I need help. We are in the process of applying for a loan and this is sitting on my report. I have no way to get it off as XXXX has told me repeatedly there is nothing there. This would explain why XXXX XXXX removed the error. I still have the third Agency. Experian keeps sending me sell emails and one that actually told me that my credit score had dropped! This is the only negative on my report everything else is never late. If XXXX can not find anything, and XXXX removed, it leads me to believe that Experian never did the work and got caught. Are you able to give me some type of guidance. I have to get this off of my report with Experian and the third credit agency. It is not me. Time is of the essence. Thank you very much.
Product: Checking or savings account

To whom it may concern, I opened a checking & savings account with Citibank on XX/XX/21. I wire transferred {$200000.00} from my other bank to my new Citibank checking account. Last night on XX/XX/21 I could not log into my accounts to check if the wire transfer cleared. This morning on XX/XX/21 I called Citi & they told me they closed my account. They did not specify a reason. They said they would issue me a refund check in 30 to 60 days. I do not think it is right for Citibank to hold my money for so long. I in good faith deposited my money into their bank & this is how they treat me. They get to play around with my money for 2 months if they choose to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus. On XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like transunion to open an investigation. If I do not receive a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like Transunion to take it off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy Regarding Account Status and Request for Clarification Dear XXXX XXXX, I am writing to formally address a discrepancy I have identified regarding my account with XXXX XXXX. Specifically, the status of this account is being inaccurately reported as " charged off '' on my credit reports from Experian and XXXX. However, when I contacted XXXX XXXX directly, I was informed that this account was not charged off. 
Additionally, I have been advised by XXXX XXXX that no IRS Form 1099-C was filed for this account. Yet, I am being contacted by a collection agency and receiving phone calls regarding this matter. I find this situation confusing and concerning, as it appears to conflict with the information provided by your company. For reference, I have included copies of my credit reports and the notifications I have received from the collection agency. 
I respectfully request the following actions and clarifications : Confirmation in writing of the current status of my account with XXXX XXXX. 
A clear explanation of why my credit reports reflect a " charged off '' status if this is not accurate. 
Confirmation that no Form 1099-C was filed with the IRS, as stated by your representative. 
Correction to my credit report If there has been an error in reporting this account to Experian and XXXX, I request that you promptly correct the information with both credit bureaus and provide me with written confirmation of the correction. 
Should you require additional information to resolve this matter, please do not hesitate to contact me in me writing. 
Thank you for your immediate attention to this matter. I look forward to your response within 30 days of receiving this letter, as per the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX Enclosures : Notifications received from the collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

During my call with the creditor, they stated If I did not pay the debt in full I would lose my credit account and it would be reported to the credit reporting agency as late and placed into collections. I told the creditor that I did not have all the money and I would need to make a few small payments until I caught up. The creditor hung the phone up and began to report late payments. 
Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigatethis request within 30 days, and promptly give creditreporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureaus notice to finisher of informationwhichdetails your responsibilitiesunder the Fair Credit Reporting Act as a furnisher of information to credit reportingagencies.This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.Please confirm within 20 days that you have directed these credit reportingagencies to remove this information.Thank you for your immediate attentionto this matter.
Product: Credit reporting or other personal consumer reports

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : XXXX XXXX  : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Product: Debt collection

I have been getting phone calls since XX/XX/XXXX and they have also been calling my family members. I called them today on XX/XX/year> and was prepared to pay it. It was allegedly from a Barclays Bank, I don't know how many years ago. 

When I talked to them, they said that my amount owed was roughly twice the amount that was originally owed. This is due to a court case that was filed and won by them and so they are charging court and attorney 's fees. I actually told them that I would pay it and I set a planned payment dat to be completed by XX/XX/XXXX. So I have the address, envelope, and money order ready to pay the debt in whole. 

I just asked them to send me a bill of the amount and then I will send it but they said that they would not be able to mail it to me and only be able to email it. I told them that I would only reveal my name, phone number, and address but would not give them any other information. In response they said that they would send me a copy of my promise to pay the amount. 

When I looked them up online though, I noticed some suspicious posts/blogs that warned about this business XXXX  XXXX XXXX XXXX XXXX They wanted me to send the amount of {$2100.00} to XXXX XXXX XXXX, XXXX XXXX  XXXX. 

An additional thing that leads me to believe that this is a scam is that they are very aggresive and threaten to come after me and that this case has already been decided against me. I never recieved notice of the lawsuit and this debt or the original Barclays debt that I had are on my credit report Thank you
Product: Mortgage

In XX/XX/XXXX, my wife and I purchased the subject property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was sold to EverBank a short time after closing. In XX/XX/XXXX, I contacted EverBank and informed them that we were seeking to give the property to EverBank in a deed in lieu process ( our loan with EverBank was current, and the property was vacant at this time ). 

EverBank assigned XXXX XXXX to handle our request. I submitted ALL the documentation that was requested and required. In XX/XX/XXXX, XXXX informed us that the application was complete. On XX/XX/XXXX, I received an Initial Eligibility Letter from EverBank. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three judgements under the name of another individual with the name of XXXX XXXX, who resided in areas that I have never lived. I informed them that these judgements are not mine. They were further notified that I have never lived in the areas, and had no knowledge of these debts ; and, furthermore, that I have bought and sold many properties with various Title Companies, and these judgements were never an issue in completing any of these other transactions. EverBank was also informed of these facts. 
On XX/XX/XXXX, I received a notice from EverBank that my application was complete. 

EverBank was then acquired by TIAA Bank. On XX/XX/XXXX, I received a Demand letter from XXXX , XXXX & XXXX notifying me of the balance of {$98000.00} and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX, and he assured me that he would clear up this matter. 

This entire situation is unnecessary and a waste of money. EverBank and their legal counsel should not be rewarded or compensated for being incompetent, and ( in my opinion ) working to extend this matter ( unnecessarily ) for maximum financial gain..