23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX I began to receive notifications from Citibank asking me to update my personal information. Since XX/XX/XXXX I have received approximately ten different notifications. Each time I received a notification I went personally to my Citibank branch and updated my information. In XX/XX/XXXX, I received a letter from Citibank stating that my one of my three accounts had been closed and there was a check for the balance of my account. A few days later I received another letter cancelling my second account with a corresponding check. My third Citibank account is a CD which I have not been able to access and I have been told I will not be able to receive those funds until XX/XX/XXXX. No one at Citibank has been able to clarify why my accounts were closed, why my third account ( CD ) can not be canceled immediately without any cancellation fine or penalty, and lastly if Citibank will reimburse me for the checks and the corresponding fines for the checks I issued before my accounts were cancelled. Had there been a serious problem with my personal information, why wasn't the CD account cancelled as well? I never received any prior notification of my accounts being cancelled nor any explanation.
Product: Credit card or prepaid card

XXXX XXXX XXXX purchase 's and Back of America ) Multiple charges from XXXX XXXX XXXX  occured that had not reflection on me. I spoke with XXXX from XXXX XXXX and the following occurred 1. I made a few purchases but my card on file was being used by an internal employee. 
2. XXXX XXXX XXXX  created fake receipts for real purchases made. This was discover months later,. I had a product that was defective that I went to the manufacturer for replacement which they informed me that the receipt isn't valid. 

Bank of America rejected to even file a claim with out the consideration of the information. From what I was reading that they were required to file the claim. Below you will find a list of some of the purchase. 

Main Points : 1. The Online Order manager was created false invoices to prevent the order from showing on the closing allowing the monies to go in this pocket. How did this effect me? I was unable to get XXXX XXXX replaced,. A monitor, etc 2. If one purchase was made they would manually charge unknown amounts Issue :. The transactions that have been charged without authorization is a fraud claim but bank of America would not accept to for a fraud claim not even a dispute. I have emails from frys that verifies the information I'm providing. Below are only the items Date Friday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$150.00} Date Thursday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$130.00} Date Tuesday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$110.00} Date Friday XX/XX/2020 Store Location XXXX XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$87.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XX/XX/year> Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Request for Debt Collection Attempts on Incorrect Debt To Whom It XXXX Concern, I am writing to formally request that you cease all communication and collection efforts regarding the alleged debt you have been attempting to collect from me. I am disputing this debt, and I have reason to believe it is not mine. 
I have received repeated and harassing communications from your office in attempts to collect on this debt, which I have no legal obligation to pay. These communications have caused me significant distress and I request that they stop immediately. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease and desist from contacting me regarding this matter. This includes, but is not limited to, telephone calls, letters, emails, or any other means of communication. 
If this debt is being incorrectly attributed to me, I request that you immediately cease collection efforts and provide written verification of the debt, including the original creditor, the amount, and any supporting documentation that confirms my responsibility for this debt. I also demand that you correct any inaccurate information you have reported to the credit bureaus regarding this alleged debt. 
Should you continue to pursue this matter or violate my rights as outlined under the FDCPA, I will take appropriate action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. Additionally, I will not hesitate to pursue legal action to protect my rights. 
Please consider this letter as my formal request to stop all communication and collection efforts regarding this debt. 
Thank you for your attention to this matter. I expect your prompt compliance. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX called to say that they had been hired to collect on a check for {$250.00}, which I had simply stopped payment on due to a misunderstanding between me and another person. There were no goods or services for which I was paying. The person who received the check did not collect the money, though XXXX claimed that she did. They said that the XXXX XXXX XXXX in XXXX had paid the {$250.00} and now wanted to recover the money from me since I had stopped payment. In fact, the bank had charged the recipient {$30.00} for a bounced check. I do n't know how this company was able to get a copy of my check. But I find it disturbing that they did and clearly just started phishing with a copy of my cancelled check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting bureau information incorrect I have tried several times and they refuse to correct information, name addresses, telephone numbers several outdated accounts over ten years old and over 3 years old. A fraud dispute with XXXX XXXX  for {$240.00}. Synchrony bank incorrect information in which is causing me financial difficulty. 
when I called in the report also, they are using information that is incorrect and refuse to delete from my report. Including several outdated inquiries. XXXX Credit Bureau are total frauds. They are not there to help the consumer as they portray and use information that date over 10 years old. I paid off over {$10000.00} XXXX dollars of several accounts and due to this Synchrony Bank had black balled me along with XXXX credit bureau, personal information dating back to XXXX, in which is inaccurate job information. Name information, I need your help as credit bureaus like this destroy consumers credibility along with XXXX XXXX XXXX XXXX XXXX, XXXX. Cunsumer relations XXXX, PA XXXX.
Product: Debt collection

The company did NOT follow the required steps of notifying me of the debt. They did not send a email, call me via phone or send a letter via mail! I was not aware of this debt collector until I checked my credit reports!! According to the FCRA There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally XXXX  days, in case it is returned as undeliverable I never received a validation notice, which means that they did not satisfy their requirement to contact me or have the right to begin reporting the debt to the credit reports!! According to the FCRA it is a credit violation to report a collections account with a PAST DUE BALANCE. They are only allowed to report the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! I was never provided the opportunity to dispute this debt. I was not aware of this collection until it reported on my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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
Product: Debt collection

Dynamic Recovery Solutions continues to call both private cell numbers and business numbers to collect a debt that is illegitimate and is not owed. They have been told to stop, and yet they have stepped up the calls rather than stopping them. They are looking for someone that is not at any of these numbers, and bullying the people who answer for information. They are using illegal tactics to collect this debt. They are calling late at night, they are calling on weekends, they are calling early in the morning. Everything this company does as far as debt collection is ILLEGAL.
Product: Credit reporting or other personal consumer reports

I tried to log onto my Experian account, today XX/XX/2024. Someone has hacked my account, and has changed all information on that account, to their information. I called Experian, and they told me that they would fix it and send me a link to regain control of my account. They did nothing.
Product: Credit card or prepaid card

I tried to add my husband to my existing CitiBank credit account. We were legally married on X/XX/2017. Twice we called CitiBank to add my husband to my account. Both times they cancelled the request and apologized for the inconvenience. We stopped trying to obtain the 2nd card as they locked my account for future use saying it was fraud because of a different last name. 
This is not due to credit history as we pulled both of our credit numbers and mine is XXXX and my husbands is XXXX. We feel as though they are discriminating against us because we are a XXXX couple. We are simplify trying simply our lives and have one credit card rather than two.
Product: Checking or savings account

I have wells fargo and I have a couple issues, one being is that i use an app called XXXX XXXX. I use it every 2 weeks so it 's nothing new with my bank and the last 2 times I have had to wait for my bank to send them information. I have been using it for months and had no issues until recently. I have contacted XXXX XXXX and they advised it Is on the bank side. I rely on the this app every pay check and having it delayed now is very inconvenient. I also have issues with their nsf fees. I always watch my bank and what is spent and lately what is coming out of my account to what my balance is showing I have left is completely wrong, they started showing a higher balance remaining in the account than what is actually there and they never used to it. They were very accurate and now I get multiple nsf fees every other week and I can not afford it. I am going to close them the next chance I get
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Equifax, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to all 3 bureaus requesting XXXX XXXX correct the inaccurate payment history reporting of a mortgage loan I had with them. No response, and I mailed them a RESPA request, no response!
Product: Mortgage

Began loan process in XXXX with XXXX XXXX AMSW Lending. She didn't lock in the rate. She requested and received all the paperwork required to begin the process. Money was requested and received by ASMW. XXXX failed to inform me of any difficulties with the loan but continued to ask for additional money. There was no communication with her after repeated phone calls, texts, and emails. In XXXX XXXX XXXX took over my application and we basically had to begin the process all over again. Requesting the same paperwork and additional funds from us to close on our house. We submitted the paperwork and funds that were requested. We had to buy down the interest rate because they failed to lock in a lower rate. We were delayed several times on the closing because they asked for more information and more money. When we were finally given a closing date after XXXX on XXXX, XX/XX/XXXX to close on XXXX, XX/XX/XXXX. XXXX paperwork should have been sent 3 days prior to closing and that didn't happen. During the closing process we were informed that our first payment would be due on XX/XX/XXXX, less than 30 days from close. We questioned whether or not there was a mistake and the closing officer ( XXXX XXXX ) asked me to call the loan officer ( XXXX XXXX ) to confirm or correct the information. I placed the call in the presence of the closing agents and I was told by XXXX XXXX that if I wanted the due date changed that I would have to give her an additional {$2100.00}. She went on to say that she knew I couldn't do that because ASMW had taken all the money from our accounts. We had no choice but to sign the paperwork or start the process over again. This company is disreputable and the entire process was done in a unprofessional manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted XXXX & Transunion on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX XXXX came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote XXXX & Transunion asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from XXXX or Transunion even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make Transunion and XXXX  stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received verification from Equifax that an account had been verified by XXXX ( see attached screen shot from Equifax ). I am including a letter from XXXX that proves NO verification came from them. This account was NEVER VERIFIED OR INVESTIGATED IN ANY WAY. EQUIFAX LIED AND FRAUDULENTLY STATED THIS ACCOUNG WAS VERIFIED WHEN IT WAS NOT. 

This is just one example of the ongoing lies from Equifax. This account is unverified and must be deleted.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit card

A late fee of {$30.00} was assessed on XX/XX/24 though total account was paid in full on XX/XX/24. 
XXXX, unable to access computer and calendar dates caused the rare incident. 

The total late fee was paid on XX/XX/24 with a message to the company RE : of high late fee. On XX/XX/24 the company stated they would refund 1/2 the late charge per XXXX XXXX XXXX XXXX XXXX. 

My CC activity balance displays a {$15.00} refund of late fee on XX/XX/24 ( before my initial payment for the late fee ) On XX/XX/24 I sent a message to XXXX to honor the late fee of {$8.00} established by CFBP since their bank, Comety, has 50 million customers.

Instead, they charged my bank account the full {$30.00} and issued a credit for future purchases of {$15.00} This is NOT acceptable and I'm sure not the intention of the committee protecting the public. They have failed to follow the guidelines and refuse to refund funds accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Student loan

On XXXX XX/XX/XXXX, I called Navient to make a loan payment on a Federal spousal consolidation student loan and I made a formal request ( on a recorded line ) for a copy of my master promissory note. 

The representative put me on hold, messaged her processing team and reported to me it would be sent to me ( via email ) by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX pm EST I called Navient to ask the status of the Master Promissory Note being sent. 

I was told the following : 1 ) it could not be emailed 2 ) there was no request made I told the representative I had a record of the request and that it was offered to me to be emailed OR mailed. 

The representative said she saw no notes at all of a request and said I would need to start the process over. 

I was connected to a supervisory at XXXX XXXX XXXX who told me the following 1 ) there was a note of my request having been made 2 ) the representative on XX/XX/XXXX never submitted the request 3 ) the representative from earlier today on XX/XX/XXXX was wrong and the Master Promissory Note COULD be emailed 4 ) then the supervisor came back on the line to say that the Master Promissory Note could not be found. 

I informed the supervisor I was filing a complaint with the CFPB because it is an abomination that consumers must call Navient REPEATEDLY and waste hours on hold to make these requests and then representatives simply ignore the requests and consumers must start from scratch. 

As of today, XX/XX/XXXX, I am still without my Master Promissory Note
Product: Credit reporting

I sent several letters to Experian disputing erroneous information that I believe is the result of a relative. I asked Experian to provide me with verifiable information per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) including1 ) The name of the creditor ; 2 ) The person 's name that the dispute was verified with ; 3 ) The address ; 4 ) The telephone number ; and5 ) The documentation used to verify the dispute. 
I understand that per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) that Experian must remove the items in dispute if they can not provide me with this information. They did not provide the information above and did not remove the disputed items. In addition, I sent a letter from XXXX XXXX XXXX that states that they are adjusting the reported late payments that were in fact not late. After sending the letter twice, Experian still will not remove the derogatory information. Lastly, they are reporting a collection with a company called XXXX XXXX XXXX. When I personally investigated this, I found that it was reported under a completely different social security number! I explained this to Experian and they still refuse to remove the collection. It appears to me that no real attempt to obtain verifiable information was made by Experian. They simply acknowledged that the derogatory marks are mine.
Product: Checking or savings account

Yesterday, XXXX/XXXX/XXXX My laptop stop working and in the screen it saying to call a number to security my laptop or security. From the tech company, it say my network been hacked. Then they told me to talk to the bank for protecting my account. I called them, tell me to buy a gift card to low my balance, so that hacked can not take my money.