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

I tried talking to a citibank fraud call center rep ... and again got nowhere very fast... i requested him to facilitate unlocking 'temporarily '' the old checking account ( the account ending in XXXX that has XXXX deposited on XX/XX/year> is the blocked acct ; refer to the attached image files ) to transfer my direct deposited XXXX XXXX  check to my new citibank XXXX XXXX acct... but he said he couldnt send a verification code to any of the personal phone numbers i gave him ... that they were not " verified '' or trusted (?? ) ..so i am unable transfer my direct deposit money unless i go to a local citibank branch to resolve this issue ORb ith the help of CFPB!! 
XXXX
Product: Debt collection

i reviewed a copy of my credit report and notice a collection from an unknown company, i never received any information from them and never had any type of agreement or service with them. I never authorized anyone to share any type of information on my behalf with them. I mailed a letter asking why are they reporting anything without my written consent as well to recieve a copy of their license that authorize Any reporting in my state. I also asked for any contract bering my wet original signature. Its been over 30 days and i have not heard anything neither has it been removed from my credit file. I asked if they are reporting on another companies behalf that the account is sent back to that company because i never agreed for my information to be shared
Product: Mortgage

I was attempting to do a modification on home XX/XX/2015.I was instructed to submit certain documents which I complied to in a timely manner. I check in periodically with the financial institution on a regular basis to check the status on modification which I was instructed that they needed more documents on XXXX separate occasions I complied right away. At which time I was notify that the sales date had been put on hold. I was told that the paperwork that was needed was receive and complete and the documents were on there way to the underwriter. I check back to make sure that the underwriter had receive my documents at which time they told me that it takes up to XXXX hours for the underwriter to review them. That was on the XXXX of XXXX. I was told to check back on the XXXX of XXXX which was a Monday because they were closed on the weekend. I check back on Monday and was told that the house went up for sale on XXXX the XXXX of XXXX. At that point I checked with the auction and was told that the house did not sale it went back to the bank. I called the bank back and they said the could not help me it was out of there hands. I obtain representation to the sales date resend they did not help me. I was to contact CFPB to see if they can help me to get the sales date resended.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Debt collection

On XXXX XXXX, 2021, I opened an account with XXXX I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Product: Mortgage

on XXXX XXXX XXXXXXXX XXXX tendered a security for an amount of XXXX XXXX  to Rocket Mortgage alleged loan # XXXX, in which they received via. registered mail on XX/XX/year> and thru phone recordings after that. they admitted to receiving my security but never applied it to the account, under XXXX XXXX there is discharge for the amount tendered.
Product: Mortgage

SLS and XXXX claim to not be affiliated, but both advertise ability to make loan payments on the portal. We have been making payments via XXXX for SLS since XX/XX/2019. SLS acknowledged verbally that they show an entry for a XX/XX/XXXX payment. We were not told until yesterday XX/XX/19 that this whole time they are not affiliated with XXXX. We were never late, and are now showing a 30 day late in XX/XX/2019. I am concerned that XXXX  is not applying funds appropriately to SLS.
Product: Credit card or prepaid card

For the past 3 months I have been forced to call my bank with the credit company on the line so they can ask my bank if the payment has cleared my account. After my bank informs them that the payment did indeed clear the bank account then the creditor gives me access to my credit line. The payment is visible on my bank account online and is also visible as a payment on the creditors website. Both accounts showing I did make my payment with the correct amount and date. 

I pay my credit card in full every month. My credit limit is {$1500.00}. Sometimes my credit limit goes over but I still make my payment in full. This has never happened before until the last 3 months. This month I was allowed to use around {$800.00} of my credit before they decided to freeze the account again. 

This week I called because I still did not have my credit available. This time the representative did not offer to call my bank to make the funds available. I decided to be patient and wait till XXXX XXXX, XXXX for my funds to be available. That is the date the rep told me it would be available. I looked at my credit account today the XXXX of XXXX and my credit limit still says no funds available. I contacted the credit company again today. They told me I had to now wait 7 days from the time they receive my payment before I can have my credit limit available. I said ok, its been 8 days. You received my payment on the XXXX of XXXX XXXX, today is the XXXX of XXXX, why is my credit not available? The representative then told me that they do not start counting till the next day. I then said ok, its been 7 days, then she told me I would have to wait till XXXX tonight for my funds to be available. Frustrated I said fine. 

I ended my conversation with her and waited for the survey. The survey lets me give my input on how they are doing. She continued to try to talk to me and see if I was still on the line, she finally hung up and I completed the survey via the phone. If I receive my funds availability tomorrow the XXXX of XXXX, this credit company has held my payment for a total of 9 days.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX Re : Request for Verification of Account Dear Sir or Madam, I am writing regarding an account reported on my credit file which I believe may be inaccurate or unverifiable. On XX/XX/2024 I requested verification of this account ; however, I have not received the documentation necessary to confirm its validity. 
Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I formally request that you provide ME the following documentation to verify that this account is mine and that all information reported is accurate : 1. A copy of the original signed contract or agreement under which the account was established, including any endorsements or modifications.

2. A detailed statement or transaction history for the account, including all charges, fees, and payments made.

3. Documentation establishing the chain of assignment or ownership of the account if it has been transferred or sold.

4. Any additional documents or records that you rely upon to verify the validity and accuracy of this account.

If you are unable to provide the above within 30 days, please have this account removed from my credit report, as required by the FCRA. Additionally, please cease any further collection activities until this matter is resolved and notify all credit reporting agencies to which you have supplied this account information of my dispute.

I respectfully request a written response detailing the results of your investigation. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account BESTBUY/CBNA Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BESTBUY/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from XXXX XXXX XXXX XXXX I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries.

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with Equifax on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.
Product: Checking or savings account

I informed Wisely aka ADP aka XXXX XXXX XXXX XXXX was draining account. 

The wisely card was used for XXXX. 

Wisely aka ADP aka XXXX XXXX XXXX said they sent a card XX/XX/2023 which was never sent or recieved ( Mail Fraud by financial business automatic XXXX to XXXX mil penalty ) I fought XXXX to unlock card, they will argue they opted resolutions but I couldnt at the time due to no cellular service as ADP ( wisely locked my account with XXXX ) I had {$7.00} left after I fought with ADP and waa told 3 hours and we are closing your account for rude behavior on ADP 's clause 13? which I had no clue existed or had access to contract/ those clauses ( fraud there too ) XXXX XXXX XXXX XXXX XXXX XXXX claim my {$7.00} XXXX leftover check was sent around XX/XX/2023 but claims returned ( USPS note from worker states otherwise, double mail fraud on ADP and now XXXX XXXX ) Federal Crimes are Federal Crimes .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

My ex-husband opened an account with XXXX XXXX XXXX Bank using my name and SS #. His name is XXXX XXXX XXXX, SS # XXXX. The account is now in the name of Portfolio Recovery , Inc., XXXX, VA. in the amount of {$950.00}. There is a judgement filed against me for this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file
Product: Mortgage

Re : XXXX XXXX XXXX I have been working with HSBC Bank and their third party mortgage servicer, XXXX. I requested a Mortgage Modification when coming off a period of unemployment to remove my former Wifes name form the mortgage and was directed to apply for an Assumption and at one point was told by a Loss Mitigation Customer Service representative that I needed to go through the Assumption before the Modification. I submitted my Assumption package and  Quitclaim in XX/XX/2020 with a check made out to HSBC in the amount of {$2900.00}. At the beginning of XXXX, I was called by a XXXX representative and advised that the Assumption was not assumable and I would be receiving a check. I received a letter dated XX/XX/2020 stating the same with no check and no reference to a check. I sent an email to HSBC /  XXXX as directed on XX/XX/XXXX and XX/XX/XXXX asking for an update on my refund. I also called HSBC Loss mitigation ( Dovenmuehle ) on XX/XX/XXXX and XX/XX/XXXX. I was told I could not speak to anyone in the Assumption area ( I had asked for a supervisor ) and was directed to send another email. Dealing with HSBC / XXXX has been horrendous. It is well over 30 days and I am requesting your assistance with my refund. 
I have enclosed a copy of the HSBC Letter directing me to apply for an assumption, a copy of the cancelled check made out to HSBC as well as copied of my email communications.

Any assistance you can provide would be greatly appreciated.  Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX
Product: Credit reporting

Reviewing annual credit report from Transunion - have submitted following errors - no response : 1. I am XXXX or XXXX XXXX XXXX not XXXX or XXXX XXXX XXXX 2. Never lived in XXXX XXXX, XXXX. - Lived in XXXX last 35 years. 
3. Have never had a tax lien filed against me - Docket # XXXX XXXX, XXXX 4. Do n't recall ever having credit with XXXX XXXX XXXX - Acct # XXXX XXXX. What does " promotional Opt-Out mean??? If this is a lock out please have it removed.
Product: Credit card

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : A Springoakcap collection account amounting to {$710.00} opened on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud.
Product: Debt collection

Received collections letter from revenue enterprises regarding alleged medical debt, have asked for verification of debt, no verification / substantion of debt has been provided
Product: Vehicle loan or lease

This has been an ongoing issue with Wells Fargo Auto Financing. They have " charged off '' the loan maliciously, in my opinion and refused to answer any of the topics I've communicated with them both on the phone and in writing despite these addressing every single issue they've raised. 

They've insisted in responding only with form letters that do not address the issue at hand. 

They have also sent me someone else 's loan information claiming it was mine. If this is a mistake, it should be addressed by someone at Wells Fargo. If it was intentional, it certainly should be addressed by someone at Wells Fargo. At the very least, the company has shared private financial information of another customer with me that they should not have. In the end, I have no idea if they are confusing my situation with another customer or not because they have refused to address it with me directly.
Product: Checking or savings account

I deposited a check into my Bank of America account at a branch. I asked the teller if there would be a hold on the check because I needed to cover some bills and was told that there would not be any hold. I was assured that the funds would be available to cover debts and for withdrawal in the morning. I did notify the teller that if a hold was going to be placed I would go cash the check and deposit cash. 

I received a receipt from the teller showing that the transaction was posted on the same day with no hold. I also checked my mobile banking app and confirmed this. I have a copy of the receipt. 

However, later that afternoon, I received an email from Bank of America informing me that a hold was going to be placed on the very same check. The email included the following statement : " If we didn't tell you about this hold when you deposited the check ( XXXX ), and the check ( XXXX ) clear, we'll refund any overdraft or returned check fees charged because of the hold. To get these fees refunded, call the phone number on your statement. '' I have incurred fees from my creditors due to returned items, and Bank of America is refusing to refund them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This incorrect address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015
Product: Credit reporting or other personal consumer reports

This letter is a formal notice that I dispute the validity of the alleged debt you claim I owe under the above-referenced account. Under my rights as a consumer, I request complete validation and a detailed accounting of the original and current status of this debt, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Furthermore, I am invoking my right to dispute this debt on the basis of potential securitization of the loan and demand full disclosure under the Securities Act of 1933 ( 15 U.S.C. 77a et seq. ). If this loan has been bundled, pooled, or securitized into any asset-backed security ( ABS ), then I request documentation of : 1. The current holder in due course of the promissory note or retail installment contract.

2. Full chain of assignment, sale, or transfer, including any sale into a trust or security instrument.

3. All SEC filings, prospectuses, or pooling and servicing agreements ( PSAs ) that identify this alleged account as part of a securitized asset.

4. Evidence that Credit Acceptance retains standing to collect on this alleged debt if it has been sold to a third-party entity.

The Securities Act of XXXX  requires the full and fair disclosure of material facts in connection with the sale of securities. If this debt was securitized without my knowledge or consent, and Credit Acceptance no longer owns the debt, then I request immediate confirmation and withdrawal of this collection attempt. 

Until such time that you provide the above-requested documents and full validation of this debt, including the signed original contract, I demand that all collection activities cease immediately. This includes, but is not limited to, any negative credit reporting.
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FIN CR NETWK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


FIN CR NETWK XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX via Truist Bank with my business account on Saturday XX/XX/2022 to send {$170.00} to XXXX XXXX. More than 24 hours later, the transaction is still pending. I called Truist customer service twice on XX/XX/2022 at XXXX and again at XXXX. Both agents could not adequately and accurately verify my account. I requested a supervisor and the first agent XXXX said her supervisor refused to take the call as she didn't see it necessary. I asked for the supervisors name and XXXX stated the supervisor forbade her from releasing her name to me on a recorded call. I hung up and called back and got someone by the name of XXXX. I requested a supervisor and she too, stated, the supervisor refused to take the call unless i verified the account. However XXXX unsuccessfully verified the account and i no longer wanted to speak with her. I requested the supervisor again and she hung up the line.
Product: Debt collection

On XX/XX/19 my sister ( on business in California, from another state ) texted me to inform me she received 5 phone calls from Premier Holdings. I had not seen or recognized the number on my caller ID. She sent me the number. I called. They transference me to a XXXX XXXX XXXX informed me of an very old credit card debt that I am not aware of. I asked her why she called my sister so many times and informed her I have no outstanding debt within limitations of Florida law. She informed me she could call the XXXX if she chooses. I find this harassment of both myself, my sister and my religious beliefs. I asked for the calls to stop.