23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission XXXX FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Applied for CC online for XXXX/XXXX  Card 2. Received letter stating " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' - in fact my credit history is extensive and 'excellent ' 3. Called XXXX indicating that the Name on the app was misspelled, I have extensive credit history, and upon calling XXXX on the phone, they could not locate my SSN ( provided on the app ) 4. After talking to XXXX, they took my info and provide same result ( based upon data from Experian ), i.e. " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' 5. I  called Experian this XXXX ; ran FICO score - score is 810+/excellent 6. Can't get anyone on phone at Experian to explain what they actually provided to XXXX  7. Experian online process does not enable this type of 'dispute ' to be handled Goals : 1. Avoid incorrect reporting of this CC request 2. Understand what Experian reported to to XXXX  3. Point out to CFPB Experian provides no mechanism to provide this information to customer leaving customer in the lurch ( not handled via 'dispute ' on line process and no human available ) - is this apppropriate?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i visited a CVS store and transferred via MoneyGram {$1100.00} to my father who is currently living in XXXX. I payed {$22.00} in fees and the transaction was money in minutes. The total amount was : {$1100.00}. Unfortunately, my father tried several times to withdraw the money but in vain. MoneyGram did not release it. 

Until today, my father is still waiting for the funds i sent him. When i called MoneyGram on XX/XX/XXXX, the customer service representative by the name of XXXX told me that they have just released the money i transferred 2 days ago. He was unable to explain to me why that happened.He also declined my request to speak to a supervisor.I informed him that the money was needed A.S.A.P for my sick mother who must pay first to get seen at a doctor 's clinic. 

Unfortunately MoneyGram claimed that i could get my money in minutes. That is clearly stated on the reciept i got from them. That is not true and i need to be compensated for the damage done. 

Sincerely, XXXX XXXX
Product: Mortgage

Complainant : XXXX XXXX / owner of the House Located at XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX, I live in this house for 25 years, never late or missed any payment with the Company GMAC, During the melt down my house went down in price from {$410000.00} to {$100000.00}, the house received an offered of {$140000.00} but the Bank wanted {$150000.00} no deal from the part of the Bank realtor was still on and no sale came up. The Bank foreclosed with a judgement using unpredictable, questionable and unfair actions. They never gave me the option to modify my payment and never gave me the option for fair mediation or work out program. GMAC is a failed bank, I understand that they went bankrupt and are no longer in business since 2009 however they supposedly sold my property and recovered XXXX dollars from it. How is this possible? Continuation : The Bank hired a Real Estate Company and this Real Estate Company broke in to the house change locks but never took care of the property becoming a problem for the neighborhood after a year then because of the conditions. I have no choice to take the Property back and I had invested in repairs over {$11000.00} to make have way livable but still an about the estimated about {$30000.00} to be done with all the repairs. Estimates ready.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious with equifax!!! I FAXED ON SEVERAL DIFFERENT DAYS MY REQUEST TO REMOVE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND THEY REFUSED TO REMOVE THOSE INQUIRIES AFTER I SUBMITTED A COPY OF MY IDENTITY THEFT REPORT WITH ALL THE INQUIRIES LISTED. THEY REJECTED MY FTC REPORT BECAUSE IT DOESNT GIVE EXACT DATE AND IT ONY SAYS THE MONTH AND THE YEAR, ITS NOT MY FAULT THAT IDENTITYTHEFT.GOV ONLY ALLOWS YOU TO ENTER THE MONTH AND THE YEAR OF INQUIRY. HOW ELSE AM ISUPPOSED TO WRITE THE EXACT DATE, AND ALSO IF I HAVE MORE THEN 5 INQUIRIES AND IT ONLY ALLOWS ME TO ENTER 5, I WROTE THE REST IN MY PERSONAL STATEMENT AS ADVISED. PLEASE HELP IN REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND MY INFORMATION WAS STOLEN AND USED TO TRY AND INQUIRE THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : Wells Fargo Account number : XXXX Dates reporting NOT Accurate : XXXX Please fix this immediately as it is hurting my chances of buying a new and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I submitted my initial complaint against XXXX XXXX It is as follows : On XX/XX/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to XXXXXXXX XXXX that same day. On XX/XX/XXXX of 2021 I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of 2021 I sent a following up request into this matter directly to XXXX XXXX. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all XXXX of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my Equifax and XXXX reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/2018. It is ONLY reporting on Equifax. This account was closed due to transfer XX/XX/2018. I have late payments from XXXX XXXX XXXX. Then showing current payments from XXXX XXXX XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from XXXX that they closed it and no payments after XX/XX/2018. I will be attaching all of that. XXXX and Equifax are no help. Every time I dispute, they add more stuff after the date of closure!
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with Experian and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XXXX XXXX, XXXX, XXXX   XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until
Product: Debt collection

The company forged my initials for a judgement and filed with the court. The violated my personal data. They do not have my whole social security number they are a debt buying company that only has last four digits as social security and has filed judgement and collected money from my pay check off false allegations. They can not provide a through review of transaction history of an agreement between me and them. I called the company and spoke to several advocates no one could properly identity me. I do not go by that name. they could not furnish a proper case number for my case to be identified. They submitted false documents saying they served me at a certain address in 2022 which was not true the description of me is invalid and they can not properly validate the debt because they can not provide proof of my identity. They do not have photo identification of no sort nor the documents proven the collection of debt was sufficient. They do not have valid telephone numbers nor any supporting documents. Under purge of law of TX debt buyers must supply sufficient documents and prove the amount is owed to them by producing statements of the transaction on the account they say I owe. They have violated my rights by using the last 4 digits of my social security to try and validate a debt owed. The have violated public law 95 109, 15 us code 1692g violated FCRA law for not providing details and actual charges and purchases to validate account. section 1692g ( a ) ( 3 ) was not followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian that I am a victim of identity theft, and sent a dispute thru my Experian account.
Product: Mortgage

I pay my mortgage online through my bank with an automatic payment set up. Ive had the same set up since the loan inception I believe it was in XXXX. It gets sent out the same time of the month every month and theres never been an issue. I checked with my bank and all checks have been cashed that were sent to the mortgage company. My mortgage company states they did not receive XXXX XXXX mortgage payment. I also looked and saw one that several of my payments have been marked as late in XXXX which I know that is not true. The bank has a local branch here in XXXX XXXX so I want to try and fix it at the branch. When I got there I was met at the door by a gentleman that said that they are closed to customers because of Covid everyone has been working at home. The gentleman then proceeded to tell me that dozens of people come by there every day with the same complaint they say they have paid their mortgage as they always have and theyre not being credited or marked as delinquent. The gentleman states that because everyone is working at home things arent being properly credited and theyre not being credited on time. I have since gone to the mortgage website directly and an automatic payments through the mortgage paint company that way they cant say that Im not paying on time. I have lost 100 points on my credit score because they falsely reported that I did not pay my loan. I have since gone onto their website and paid everything that they said I owed in one lump sum and actually paid ahead so that they cant pull this with me anymore. The fact still remains that they cash the check of mine and did not give me credit for it. The other thing I want to clear up is how they ruined my credit by falsely reporting that I did not make my payments either at all or on time.
Product: Bank account or service

I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I submitted a secure message on XXXX XXXX, XXXX and the rep confirmed that I would see the miles posting within 60 days. It has been over 9 months and I still have not received my miles. 

The correspondence and verification is posted below : This is the communication with Citi confirming my eligibility : From : XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. I see you recently opened this account in XXXX. Welcome aboard! I will be glad to confirm your promotion offer and verify that you have met the requirements. Your checking account was opened under promotion # XXXX which offers XXXX XXXX XXXX. The required behaviors for this offer are the following : 1. Open a new checking account in the XXXX Account Package by XXXX/XXXX/15. You met this requirement ; your account was opened on XXXX/XXXXXXXX 2. Within 60 days after account opening : complete qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the account. You met this requirement on XXXX/XXXXXXXX with a debit purchase in the amount of {$1000.00} at XXXX XXXX. 3. 1 qualifying bill payment must be posted to the checking account each month for 2 consecutive calendar months. You made the first bill payment on XXXX/XXXX/15 and the second bill payment on XXXX/XXXX/XXXX. Since you satisfied all the required behaviors for this promotion your miles will be credited to the XXXX account, within 90 days which should be completed by XXXX/XXXX/XXXX. Based on your checking account package, some of these products and services can help you earn XXXX XXXX XXXX XXXX Points each Statement Cycle, when linked to an enrolled checking account :? XXXX Payment? Direct Deposit? Auto Save? Savings / Money Market? Mortgage? Home Equity Line / Loan? Personal / Installment Loan? XXXX XXXX Line To get more information on our rewards program please use the following online steps : Click on Click on Rewards Select Thank You Rewards Overview under Rewards Programs XXXX XXXX, today I have confirmed you met all the necessary requirements and gave you the date when the miles will be credited. Thank you for joining our Citibank family and we look forward to servicing you for years to come. I kindly invite you to share your opinions about the services received. Please click the link below and include reference # XXXX. Send Your Opinions If you need further assistance, please contact us online with Live Chat, by sending a Message, or calling XXXX Customer Service at XXXX, or if outside the XXXX by calling international collect at XXXX, available 24 hours a day, 7 days a week. XXXX XXXX is available at XXXX. " XXXX is a service of Citibank NA, which provides banking services '' Sincerely, XXXX XXXX XXXX Customer Service
Product: Debt collection

To Whom This May Concern : I am seriously writing a real letter from myself, to dispute fraudulent charges on my Navy Federal accounts. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my accounts. You marked these accounts as closed and charged off. 

You already have my Identity Theft Reporting documents supporting my position, and a copy of my credit report showing the fraudulent purchases items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Account applications made on paper, online, or by telephone Application records or screen prints of internet/phone applications 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 all applications and accounts Stop reporting information about the debt to credit reporting companies Expired Statute of Limitations 6 years in Pennsylvania This letter is to inform you that I am aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Pennsylvania has expired ( see attachment ).

Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations.

This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this fraudulent debt matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. Please use the attachment provided form IRS-1099c to write off this fraudulent debt and crease reporting me to the nationwide credit bureaus ( CRAs ). 

I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. 

Thank you for your cooperation.
Product: Debt collection

- [ x ] I have contacted Professional Placement Services ( XXXX ) numerous times via phones calls, emails, XXXX mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of XXXX statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with XXXX and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. 

# XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. 

# XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. 

# XXXX {$980.00} gave XXXX full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of XXXX ( ex-husband coverage I have no access to XXXX  ) pre-auth letter, original bill & all docs signed, no response.
Product: Student loan

I had a student loan account with XXXX University that I applied for a cancellation under the Federal Perkins ( XXXX ) Student Loan. I completed the request for cancellation benefit or deferment prior to cancellation. In addition, I submitted the necessary forms to verify my then and current employment status teaching in an low income environment. I also, had my job verify my employment as requested. 
My loans was recently sold to Heartland ECSI, who stated that I need to start the process over with them, And that they will only issue a cancellation in the amount of! 5 %! 

I feel this is illegal! The terms of the original loan company should be honor.
Product: Credit reporting or other personal consumer reports

Violation of Privacy Act and Terms and XXXXndition per to 15 usc 6801 reporting to non affiliates. Under the Privacy act of 1974 and 15 usc 6802 to 15 USC 6805,16 CFR 313.1 and 16 CFR 313.7 f i choose to opt out of all and any written and unwritten verbal and non verbal Authorization as a federal protected consumer per the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!