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

I contacted Citibank in regards to some transactions. I was fraudulently scam, and I informed them that I was scam for some payments that was made so some scammers unintentionally never knew that they were scammers thought I was working with a legitimate company to pay off my taxes that I owe. I sent them the money through XXXX to a company the works directly with thw irs. They are government impersonators. 
XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$300.00} This company was called XXXX XXXX XXXX XXXX that was based out of XXXX Florida however, at this company is nonexistent Then, when I cant take a Citibank for assistance, I couldnt get an American person on the line. I was only getting XXXX  and they was not willing to help me at all.
Product: Mortgage

On XX/XX/2018 I received a letter from my insurance company ( XXXX ) stating that my insurance policy would be cancelled as of XX/XX/2018 because Selene Finance had submitted a letter stating the property was vacant. The Rep. from XXXX stated they received the information from Selene on XX/XX/2018. While seeking with the Rep. from XXXX today ( XX/XX/2018 ) I informed her that I still was residing at the property that Selene stated was unoccupied. I was informed to send in a current utility bill and to also call Selene. I informed the Rep. that I was in the process of calling them and I am on hold waiting for someone to answer my call. I spoke with XXXX from Selene around XXXX and made him aware of my compliant and how it is not right that Selene Finance send out  false information other provider. I also informed him that I had been in contact with Selene a few time in XXXX since they did not credit a payment correctly which was finally resolved. I did ask XXXX if he could request that someone from the Insurance Dept. at Selene give me a call so that they could setup a time to come to my and visualize that I reside at the said address on file. I also informed him that I would be send over a utility bill and contacting Dept. of Banking consumer Affairs to file a compliant regarding falsifying document. This is not the first time that I had to deal with Selene about falsifying documents. How long does a consumer have to tolerate this type of action. I guess when the lender sees a well well groomed property they just assume that no lives there.
Product: Vehicle loan or lease

Beginning XX/XX/XXXX, XXXX XXXX XXXX engaged in a scheme securitization scheme. XXXX XXXX XXXX sold and transfer contract to Toyota Motor Credit Corporation, then sells the account to XXXX XXXX XXXX XXXX XXXX, who created the holding/issuing entity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Trust securitizes and transfers the securities certificates back to XXXX XXXX XXXX XXXX XXXX XXXX who then sells the security certificates to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX then sells the certificates to investors while simultaneously collecting offering from investors. After the offering proceeds are collected by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, aforesaid proceeds are then transferred to Toyota Motor Credit Corporation then transfers the funds the the trustee, XXXX XXXX XXXX XXXX. 

Complaint Includes : Auto loan securitization and debt collection scheme Unjust Enrichment Violation of the Fair Credit Extension Uniformity Act Violation of Fair Debt Collection Practices Act Intentional and Negligent Infliction of Emotional Distress Racketeer Influenced and Corrupt Organizations Mail Fraud Request for Relief Complaint and requested documents were sent via Certified Mail to XXXX XXXX, XXXX XXXX on or about XX/XX/XXXX. 
Pursuant the Freedom Act Audit Trail Calculation of Balance Accounting Records ( Private and Public ) Accounting request regarding list of collateral or statement of fact Notice of Billing Error Cease $ Desist Notice Requested documents have not been received as of XX/XX/XXXX. 

Federal Lawsuit was filed containing all defendants on XX/XX/XXXX.
Product: Debt collection

ATTN : XXXX XXXX XXXX, Compliance Manager Westlake Financial Services Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. 
Pursuant to 15 USC 1692c. ( c ) ( XXXX ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. 
Zero out on my open ended consumer plan balance monthly Remove all remarks or comments off my consumer report. 
Zero out the balance on this account. 
Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature. 


XXXX. Name and address of the original creditor who created the debt. 
XXXX. Name on file of alleged debtor. 
XXXX. Alleged account # XXXX. Address on file for alleged debtor. 
XXXX. Amount of alleged debt. 
XXXX. Date this alleged debt became payable. 
XXXX. Date of original charge or delinquency. 
XXXX. Was this debt assigned to a debt collector or purchased? 
XXXX. Amount paid if debt was purchased. 
XXXX. Commission for debt if collection efforts are successful. 
XXXX. Documentary evidence that this agency is in fact the holder in due course. 
XXXX. Certified copy of the original negative information notice required by FCRA section 623 ( XXXX ) ( A ). 
Please provide the name and address of the bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment. 
Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false allegation. 
Your prompt attention and response is both requested and required.
Product: Consumer Loan

While reviewing my EXPERIAN, EQUIFAX AND TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiries conducted by ALLY FINANCIAL ( Tel : XXXX ) on XXXX/XXXX/2016. I did not authorize employees of ALLY FINANCIAL to review my credit report for nay purpose at any time. Further, I personally contacted this company and requested that they provide me with any signed documents authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my Civil rights under FCRA and PRIVACY RIGHT. As a direct result I have continued to suffer irreparable economic loss due in large part to the gross negligence of ALLY FINANCIAL acts and Omission.
Product: Credit card

Without fail, I've ensured that payments on this account are made promptly, avoiding any instances of tardiness. The presence of late payment remarks on my accounts leaves me puzzled, especially given my compliance with 15 USC 1666b - Billing Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking at my credit report on XXXX  when i noticed that my XXXX  account is wrong XXXX  balance is {$830.00} experian is {$0.00} and XXXX is {$830.00} also the last activity dates are wrong!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. I asked for you to remove these accounts from my credit report and you instead updated them. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the cfpb complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX ( XXXX XXXX XXXX XXXX ) XXXX. Attached is the letter sent to the company that is dated and time stamped.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I got a lot of alleges on your response back I can currently screenshot all the emails I sent after responses Especially when I told we will contact you 2-3 days and I get contacted over a week later I have the emails And also why is there a rep sending me a email which is XXXX saying the account is being removed within 30 days but now your saying its inaccurate information?
Product: Credit card or prepaid card

While looking at a bill statement from XXXX XXXX, I noticed a " debt protection '' fee added on. Such a feature was never discussed, advertised or offered to me when I applied for the card years ago. The online customer rep could n't cancel the " debt protection '' fee and referred me to a phone number to call. I called and managed to have the " debt protection '' " service '' cancelled but could n't get a refund for years of unnecessary billing for a service I was never offered or signed on to.
Product: Mortgage

I fell behind to my financial obligations while I was in jail, I am currently now employed and was trying to do a loan modification to keep my home, the bank has continually denied this at which point I contacted a Realtor who works with foreclosure situations and she listed it and received an offer, she has been submitting the paperwork to the lender since then, and the bank kept saying that they are not receiving the paperwork, but they are faxing and emailing it to the lender. We are now being told there isn't enough time to do a short sale, we are asking for the sale date to be pushed back so the short sale can go through and be completed.
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 rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15.U.S.C. 1618s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

I have contacted EQUIFAX XXXX times in writing and requested that they remove '' acct in dispute by customer '' and they have failed to do so.
Product: Credit card or prepaid card

On XX/XX/2021 I filed a dispute with CitiBank AT & T Universal Mastercard regarding a merchant ( XXXX XXXX XXXX Florida XXXX XXXX ) failing to provide service and for damages in the amount of {$1400.00}. Citibank provided a conditional credit in the amount of {$1400.00} The merchant ( XXXX ) and I settled the dispute in XXXX of 2021. In accepting a private settlement with merchant, I removed and cleared the dispute. I paid Citibank the amount of {$1400.00} in full before the billing cycle ended. 

On XX/XX/2021 I contacted Citibank for a duplicate charge for the same amount of {$1400.00} which appeared on the XXXX statement. Citibank Customer Service informed me they would adjust the amount within 7-10 business days. 

On XX/XX/2021 I spoke with XXXX from Citibank after noticing the amount was not adjusted and was told it would be within 7-10 days and was given a reference number. I also spoke with a Citibank Supervisor within the Billing Dispute Department who again asserted the adjustment would be made. I also received a generic letter stating the adjustment was made. The letter also appears on my online letters and documentation link dated XX/XX/2021. 

On XX/XX/2021 I spoke with XXXX, XXXX, and XXXX ( Citibank supervisor from the escalation team ) that informed me they were sending an internal message to the " back office '' to make the necessary adjustment. He reassured me my account would be adjusted within 72 hours. 

On XX/XX/2021 I spoke with XXXX and a Citibank supervisor named XXXX ( Id # : XXXX ) that stated he was messaging an " investigator in the back office '' to have the account adjusted and that it would take 2-3 business days for his request to credit the amount of {$1400.00}. 

On XX/XX/2021 I spoke with XXXX and Supervisor XXXX from Citibank at the Kentucky office. I expressed my displeasure and dissatisfaction with the many unanswered contacts regarding the duplicate charge of {$1400.00}. I informed her I've had no resolution nor information regarding this matter. She advised me was messaging the " back office '' and would take charge of the case with a promise to followup with me a week later. She mentioned an audit would be conducted but would most likely be time consuming. 

On XX/XX/2021 I received a Call from XXXX at Citibank. She informed me she did not have an answer as of yet and that she was forwarding the issue to the escalation department. I have requested a physical address and or email address to send a written complaint to have this duplicate charge in the amount of {$1400.00} resolved and have not been given neither. I was promised another call back from XXXX on XX/XX/2021. I have lost confidence and trust in Citibank after a 25 year banking/credit relationship where I have never been late nor had any previous issues. I've also lost excessive time, money, and patience in attempting to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. XXXX XXXX XXXX XXXX has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXX identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX XXXX XXXX attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark. 

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using XXXX
Product: Debt collection

Debt was paid off and is incorrect balance. I would like to see full proof of the account and balance being owed.
Product: Debt collection

I have made countless attempts to rectify this situation with XXXX XXXX / XXXX since firsts being notified of the reported balance in XXXX of XXXX. I have contacted XXXX XXXX XXXX billing department, the office location for speech therapy, medical records, XXXX XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX, XXXX of XXXX of XXXX explaining to them that the billed procedures never occurred. 

Following my letter to XXXX XXXX, the previous debt collection agency being used showed a balance of {$0.00} and nothing due. At this time it was my assumption that they had finally had someone look at the case and were able to determine that what XXXX XXXX was claiming had occurred were in fact a fraudulent claim and billing. 

Although requested from XXXX XXXX of XXXX, I was never able to obtain the medical record directly from them. Instead, I was forced to go through my primary care provider and have them request the records. 

Once I received the records, they proved out what I Contended all along. There is no record of the procedures they claim to have performed in the records. The only thing they now claim demonstrates the debt they claim I owe is the EOB that they received from XXXX XXXX and XXXX XXXX. XXXX XXXX of XXXX has essentially committed medical billing fraud for submitting a claim against my medical insurance and the insurance not knowing any better responds in turn with an EOB. 

Again, I maintain I do not owe this bill as the procedures claimed did not occur. Following the complete failure to deliver care for my voice loss, I went to a speech therapist outside of XXXX XXXX 's control. In turn, I was referred to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They were able to treat and partially correct the issue that XXXX XXXX could not even correctly schedule over a period of 18 months. 

Effectively, XXXX XXXX inaction and failures led to me losing two years of income because of my inability to effectively speak. At this point, I am also submitting a complaint to the Texas Attorney General and XXXX XXXX for XXXX XXXX 's blatant insurance fraud. 

Their inability to respond to inquiries, schedule and perform procedures, and simply share files within their own system has only assured me that I will never use any XXXX related facility again. I can not tell you how many times I was assured by XXXX XXXX XXXX personnel that they would get back to me in about 30 days. Their overuse of the XXXX pandemic as a reason for the delayed response lost all creditability after the first failed attempt to respond to my inquiries.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting innacuract and incomplete credit information on my Equifax Credit Report.

115 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under XXXX XXXX, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completion of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company Midland Credit Management aka MCM keeps calling my work although I have told them repeatedly no personal phone calls are allowed. 

Today the rude lady would not give me her name or any information They called again today at XXXX PST. I have no known business with this creditor and they are not allowed to call my work.