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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive tried numerous times to cancel Experian XXXX. I was able to subscribe online but can not cancel online. Ive tried other means but no success
Product: Checking or savings account

In early XX/XX/2019, I opened a Citi Priority checking account online. A few days later, I received a welcome package with a W-9 form I needed to sign, and instructions on how to fund my account. Per the instructions, I mailed a check for {$50000.00} along with the completed W-9 form to XXXX XXXX XXXX, XXXX XXXX, TX. 

By XX/XX/XXXX, I noticed that the check had yet to be deposited. I called Citibank on XX/XX/XXXX at XXXX. and inquired about the missing deposit. During this call, I was advised by the customer support representative to place a stop payment on my check if it still hasn't been processed in the next few days. I waited two more days. On XX/XX/XXXX, I called my bank ( XXXX XXXX  ) to place a stop payment on the check. I then immediately initiated an ACH transfer of {$49000.00} from my XXXX XXXX  account to my newly opened Citi Priority checking account. 

Due to the stop payment, Citibank has now placed a hold on my entire account, and I am unable to access the $ XXXX that has already been cleared by XXXX XXXX. Multiple calls to the fraud department have been unfruitful. I tried explaining to them the reason I placed a stop payment on the check but they implied that I should not have placed a stop payment on the check ( they advised me to ), and questioned why I mailed in a $ XXXX check instead of depositing it at a local branch ( the welcome package instructed me the fund the account by mailing in a check ). 

I am requesting that they release the funds I have on deposit in my checking account, which totals over {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted td auto financial and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took td auto finance almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan
Product: Credit reporting or other personal consumer reports

A debt listed under XXXX XXXX XXXX amounting to {$12000.00} has emerged as a troubling. I do not recognize this account, leading me to believe that it may belong to another individual and has been mistakenly attributed to my credit profile.
Product: Credit reporting or other personal consumer reports

I discovered a number of unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, and the relevant provisions of the United States Code 15 U.S.C. 1681 and 15 U.S.C. 1681n, I am requesting immediate action to correct this error. 

XXXX XXXX XXXX Account Name/Number : XXXX Collection account that does not belong to me. Company does not have a signed contract with my signature. Company is not the original creditor and has never received permission from me to obtain or list anything on my credit file. There is no contract between me and this company. 

The inaccurate information listed has resulted in significant harm to my credit profile and has caused me undue stress. Under 15 U.S.C. 1681n, I am entitled to seek damages for the negligent or willful non-compliance related to the accuracy of my credit report. 
In light of this, I request the following actions : 1.Immediate Correction : Please remove the erroneous entry from my credit report.

2.Confirmation of Correction : Provide written confirmation once the correction has been made, ensuring that my credit report accurately reflects my true credit history.

3.Compensation : As permitted under 15 U.S.C. 1681n, I am requesting {$1000.00} in damages for the inconvenience and harm caused by the incorrect reporting.
Product: Credit reporting

There were 5 XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 or other personal consumer reports

I been disputing this account to be removed for over XXXX  years with equivalent and they keep telling me its been verified. I ask them how and to send me the original documents with my signature on it from the lender and they wont. XXXX removed this account from my credit report.
Product: Mortgage

I have been reaching out to my lender since XX/XX/year> for the removal of unjust PMI they have been charging me since the beginning of the loan. My loan to Value ratio is about 75 % which is less than there there threshold of 78 % ( as I was told by Newrez Mortgage support ). Newzrez Mortgage agrees that my PMI should have been removed long time ago and there support team have tried to escalate the issue multiple times but all l get is a letter to do investor approved evaluation and justify what upgrades I have done so far even though none of that should be needed to get my PMI removed since I already qualify for it.

I already had equity in the house when I bought it so right from the beginning PMI should have been removed.

In the name of procedures constantly delaying the removal of PMI and expect me to further cost.

Mortgage company : Newrez LLC Lender : Shellpoint Mortgage Servicing {$650000.00} Purchase price {$710000.00} assessed value at the time of purchase. 
15 % down payment at the time of closing.
Product: Credit card

I used my card one time for a purchase of XXXX. The interest rate went sky high.
Product: Mortgage

I received a delinquent tax notice on XX/XX/XXXX. My taxes were due by XX/XX/XXXX. Franklin American Mortgage Company was to pay the taxes, which are in my escrow account. I called them on XX/XX/XXXX and spoke to a supervisor named XXXX. She told me that {$6.00} was taken from my escrow account when in fact the taxes due were {$330.00}. She said she did n't understand why the amount was n't questioned. The tax office has not received any payment on my taxes to date and the mortgage co. has not contacted them at all. I was told that by Thurs morning ( XX/XX/XXXX ) I would have an answer as to when my taxes will be paid and why they were n't paid. I called them this morning ( XX/XX/XXXX ) and was transferred to XXXX extension after holding quite awhile just to get her voicemail. That was around XXXX to XXXX. I still have not received a call from her. I had told her I did not want my name in the paper for delinquent taxes or having it sold on the courthouse square for delinquent taxes. I also had to contact them last year about paying my taxes. I need them to pay my taxes ASAP.
Product: Credit card

NJ XXXX of the Attorney General XXXX XXXX XXXX XXXX Complex XXXX Floor, XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received a mail from someone unknown addressed XXXX XXXX XXXX, XXXX, PA XXXX XXXX which possibly Synchrony Bank, since XXXX XXXX a ( replacement ) billing statement for a TJX Rewards Platinum XXXX XXXX which account XXXX number XXXX. The credit card offer was suddenly closed due to the issues over rewards certificates. I insisted I could not use the certificates ; however, Synchrony Bank insisted I used them. Since the issue became persistent and I considered to worthless to keep the card and continue to have the frustration over discussion, I asked to close the card ; therefore, Synchrony Bank abruptly closed my card ending XXXX. In this statement, we can see there were two credits from XXXX XXXX XXXX CA {$130.00} ( XX/XX/year> ) and {$91.00} ( XX/XX/year> ). And it says the refund check ( {$220.00} ) was issued. From the beginning I never asked XXXX to refund to this credit card, since already I did not like this credit card ; therefore, why the people think I would ask XXXX, other financial company to transfer/refund my money to the company in issue. I asked XXXX several times and it just answered it refunded to the credit company. I do not know why XXXX has decided to refund. At least, I remember when same kind of refund matters happen, usually XXXX keeps that amount as the credit inside. However, this time, XXXX refunded without my permission to its mother/financial company, Synchrony Bank XXXX Since I consider this company is suspicious and did some phishing action to me, I consider myself that I can say XXXX intentionally send my credit {$220.00} to the credit company. Unfortunately, the customer service did not know we had the issue over certificates and near closure of the card, my credit disappeared. Unfortunately, I do not remember I received the credit card ending XXXX. If not, maybe Synchrony Bank mistakenly happened to give my refund check to the third person, who impersonated me. That person might have asked to create the next replaced credit card ending XXXX. Recently, I received an email from Synchrony Bank to tell me that I am a cardholder of the credit card ending XXXX, which I did not recognize at all. I hate the idea I have the credit card of this company. I just want to know whether this company really gave the refund check to the other person and cause the loose of my {$220.00}. This is my right to insist the recovery of my money {$220.00} from Synchrony Bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Debt collection

Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear NATIONAL CREDIT SYSTEMS, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Checking or savings account

In late XXXX, 2023, due to the news about the collapse of XXXX XXXX Bank, we decided to distribute our cash deposits across more banks instead of putting them in only a few banks. Attracted by the good saving rate of Citibank at that time, we opened a new saving account with Citibank and transferred a total amount of {$150000.00} from our account at XXXX XXXX to our new account at Citibank. 

About a week later, we noticed that we could no longer access all our Citibank accounts ( including our existing credit card account ). We immediately reached out to Citibank trying to find out why. After numerous phone calls with their customer service, which took approximately 7 hours in total as well as countless call transfers and even abrupt hangups, we were finally informed that our new account was under checking by Citibank. They said the reason is that they suspected fraudulence with our new account, since our new Citibank account was under the name of the husband and our existing account with XXXX XXXX was under the name of the wife. 

Citibank customer service also told us that they would not restore our new account, but would refund XXXX {$150000.00} in the form of a check within XXXX to 60 days. Therefore we waited till mid XX/XX/2023, when we still had not received our refund. After that, we reached out to Citibank customer service again. This time, they told us that they would have to wait until XX/XX/2023 to close our account, and we should get our refund approximately XXXX weeks after that, which should be mid XXXX, 2023. 

Yet until today, XX/XX/2023, we still have not received our refund. In the meantime, Citibank never tried to contact us, either about verification or update. 

We therefore demand Citibank to refund our money immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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
Product: Debt collection

On XX/XX/year> I notice that I was a victim Identity theft. I filed a identity theft report. The original creditor found that I Was Not liable for the debt and erase the debt from ALL OF my credit reports. Some how this collection agency is trying to collect on a debt that is a result of identity theft. I ask this company numerous of times for a PURCHASE AGREEMENT to validate this debt they claim I owe! This company refused to provide me with a PURCHASE AGREEMENT because it is IMPOSSIBLE for this company to provide me with on because I am a victim of identity theft and this debt is not valid. This collection agency has acted in bad faith. I sent this collection agency one last dispute letter asking them once again for the PURCHASE AGREEMENT so they can validate this debt! However this is impossible because this debt is a result of identity theft as stated on my consumer report.
Product: Student loan

Good afternoon, I am currently enrolled XXXX at XXXX XXXX College and Sallie Mae continues to fail to update my account even after verifying the student clearing house of my enrollment causing a financial crisis. I spoken with XXXX or XXXX Sallie Mae reps who confirmed my name being in the clearinghouse and each time I am told something different. the first gentleman stated that once my enrollment was verified my account would return to deferment. On my fourth attempt to resolve this issue, I call Sallie Mae on XXXX/XXXX/15, I spoke with a XXXX, employee ID # XXXX, I was told by XXXX that schools have a deadline to enter students names in the clearinghouse. My balance went from {$300.00} due to now {$600.00}. She also advised me that it takes XXXX days to clear my name. Which I know is a lie. While attending XXXX University in Georgia, my name was entered into the clearing house electronically and this was never a issue to have to constantly call Sallie Mae for a resolution. Also, XXXX XXXX College financial aid officer stated that names are entered every Wednesday and there are no deadlines. I believe this is a clearly an attempt to collect monies which breach the student loan contract.
Product: Student loan

I have both Federal and Private loans serviced through Navient Navient recently changed its website, around the same time I got a new checking account through a new bank. I set up automatic pay using my new bank information. A month later I found out that the auto pay went effective for the private loans but not the federal loans. When I called them in XXXX 2016 they simply gave me a forbearance and reamortized the account and the representative told me that everything was taken care of and that autopayments would begin with my XXXX payments. Now, I got a notice that my account was two months past due. I called and told them I took care of auto pay in XXXX and it still is n't working. They had me do something different this time, going through their old website and set up auto pay. I did that and the representative confirmed that it went through but the application had an auto- matic provision for forbearance of the two months late. In addition, I have been getting emails soliciting forbearance from Navient. I thought it was just spam but it makes me wonder if Navient is not having issues deliberately to reamortize so that consumers are paying more in interest over the long run. this is now the second time that they have reamortized my account. I would like this looked into to make sure that this is not a wide spread practice. No option to pay the outstanding amount was given to me in order to have the auto pay effective and they were quick to just have the account reamortized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. 

ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX   XXXX {$1100.00} not mine XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine