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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. Covid has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' XXXX XXXX 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: Checking or savings account

On XX/XX/2022 received text message stating, XXXXXXXX XXXX XXXX ( call XXXX Now! XXXX # ) # XXXX XXXXXXXX. ( Full phone number included in text. ) As soon as it was noted as fraud Mountain West Bank in XXXX XXXX, ID was notified and debit card was locked and canceled. The bank noted no fraudulent charges had been made on account.
Product: Credit card

My credit card is Citi bank, In the end of XXXX and very beginning of XXXX 2016 I had {$2000.00} dollars paid off to totally what I owed to my credit card ( over XXXX XXXX dollars, a lot of money ). 
On XXXX XXXX I found out they charged me {$27.00} dollars for interest although I already paid off. I called them and a lady representative of Citi told me " You do n't have to worry about it anymore '' Then on XXXX XXXX they raised it up to {$38.00} dollars as claiming what I " owe '' them. I called them again, they said they 'd schedule me a callback from the supervisor, but they never called back. 
The Citi bank unfairly treated me and lied to me not just once.
Product: Credit reporting, credit repair services, or other personal consumer reports

The above three accounts ( XXXX, XXXX XXXX, and Citi-Shell ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An unpaid balance of {$360.00} to XXXX XXXX for an address in Texas was reported to the credit bureaus under my name. This is a result of identity theft.
Product: Debt collection

This person is calling my cellphone threatening me about a debt my little sister owes. I have no knowledge about the debt. The person is stating that I was listed as a " Secondary ''. They do not state what type of " secondary ''. I have not authorized anyone to use my name as a secondary to anything. The person calling is threatening to go to my home ( he verbalized my address ), report me to court as a missed court appearance. I have nothing to do with any debt that he is trying to collect form my little sister. I told the caller that they are calling the wrong person and they should stop calling me. The person continued to call me from a blocked number and leave a threatening message on my phone. They also left a telephone number stating if the call is not returned by noon the following day, they would go to court to say that " I '' was a missed court appointment. The number they left is XXXX XXXX XXXX referencing case # XXXX. They stated their name as XXXX, a process server.
Product: Credit card

I have a credit card with Citibank. It's an XXXX XXXX XXXX card. I had fraud charges from a vendor I did not recognize and contacted Citi bank in XXXX XXXX. They cancelled my card, said they resolved the fraud, did issue credits back to my account. However, after getting my new card in the mail, I again received a fraudulent charge from the same vendor in late XXXX XXXX on the new card. I have been on the phone with Citibank for a collective XXXX hours over the last few days. All they will do is simply cancel and issue a new card as they did in XXXX. They will not explain why, after saying the fraud had been resolved in XXXX, the same vendor was able to charge my card again. I simply asked how issuing a second new card is going to make this problem go away. No explanation is given. They just continue to send me to different people. It's obvious too the calls are going overseas. I don't think I have a physical Citi bank branch in my area otherwise I'd go in and ask someone what to do. This whole experience is disappointing and makes me what to avoid any business with Citibank.
Product: Bank account or service

I opened a CitiGold Checking account in XXXX 2016 under a targeted promotion coded XXXX that was sent to me through email correspondence. The promotion awarded XXXX Thank You points for the completion of : Opening a new regular checking account in the Citigold Account package and enroll it in Citi XXXX XXXX XXXX XXXX Rewards by XXXX XXXX, 2016. 
In addition within 60 days of account opening, perform XXXX electronic bill payment through various Citibank 's payment systems each month and continue for two consecutive months. 

The account allowed credit card funding at the time and I asked to be sent a form to process the initial account funding with credit card as my husband did a month prior. I sent in the credit card funding form twice with no confirmation or processing of the funds. I called and also online chatted with Citi Representatives as to when my credit card would be processed. After multiple attempts to fund from mailed in forms and over the phone interactions I was finally told that credit card funding was no longer allowed. It was now XXXX 2016 and after enrolling in the CitiXXXX XXXX program I had n't been able to complete the other requirements of the promotion ( bill pay ) due to not having the account funded. I spoke to a representative about this dilemma and they stated that if I made bill payments in the next two months I would still receive the promotional points due to policy changes on Citi 's end that I had no power over, even though those bill payments would be outside the XXXX window requirement. I made those bill payments on XXXX and XXXX, after having opened the CitiGold account before XXXX XXXX, 2016, completing all requirements for the promotion. After waiting 90 days for the points to post to my account I escalated this issue to a Citi manager and executive department because the entire reason I opened this account in the first place was due to this targeted promotion and the reputation behind CitiGolds accounts. The Citi representatives keep saying that they will not award the points because I made the bill payments outside the promotional 60 day window, even though I received explicit confirmation that I would still be eligible due to faults on Citis end. Citi has saved/archived chat conversations and secure messages from my account that will verify that an agreement was reached for me to obtain this promotional offer. I am requesting Citi abide by their promotion and reach the resolution of awarding XXXX XXXX Points to my checking account.
Product: Debt collection

There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by Messerli & Kramer. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!
Product: Mortgage

I'm looking for assistance with United Wholesale Mortgage account number XXXX. UWM recorded the incorrect Property Identification Number ( PIN ) aka the parcel ID on the security deed and has paid the escrows to the wrong property for XXXX and XXXX. The incorrect parcel ID XXXX XXXX. XXXX XXXX paid off the taxes and now has two liens on my property in XXXX county. UWM 's failed attempt to fix the issue has raised my monthly escrow payment by {$510.00}, which in order to keep my credit clean I have been paying for the last 4 months. I've also been unable to sell this property since I first contacted the bank in XXXX. Now, I have been dealing with UWM 's support number for 6 months with no forward movement. Are you able to help? Any advice on getting this corrected. 

Long version : I purchased a home in XXXX XXXX in XXXX. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. Correct parcel ID : XXXX XXXX. XXXX County account number is XXXX. I took out a mortgage for 80 % with escrows from United Wholesale Mortgage. I'm in the XXXX  XXXX  XXXX and XXXX  for 9 months at a time. I would get an email from the bank every XXXX stating your taxes have been paid to the county, great, no worries. 

I returned home in XX/XX/XXXX from a long tour to XXXX and I noticed a letter from a XXXX XXXX, who I've never heard of before. The letter read " We have purchased your unpaid property taxes and now have a lien on your home. XXXX XXXX is actually XXXX, XXXX. 

I checked the XXXX county property tax records ' website it states, " XXXX and XXXX sold ''. I checked the closing documents : the parcel ID on the title deed matches the parcel ID on the county 's website. The PIN, aka parcel ID, on the security deed is incorrect and the same incorrect parcel ID is on UWM 's website property tax receipt. 

For two months, beginning on XX/XX/XXXX. I called the UWM. Working with different people, trying to resolve the issue. UWM quickly changed the parcel ID to the correct parcel ID. So this year my property taxes were to be paid properly.

UWM 's solution is to send the county a check. This is wrong, however, the county has already been paid by XXXX XXXX. Now XXXX XXXX needs to get paid so they can issue a letter releasing the liens. UWM 's action caused an escrow adjustment on their escrow account stating that I'm short {$6600.00} on escrows. This raised my monthly payment by {$510.00}. In order to not get a bad hit on my credit I have been paying it for over four months.
Product: Money transfer, virtual currency, or money service

I deposit a check for the amount of {XXXX} to my Bank of America checking account on XXXX XXXX. I was told that I could have {XXXX} available immediately, {XXXX} available on XXXX XXXX and the full amount available on XXXX XXXX. However, today is already XXXX XXXX and I still have nothing available to me. The check is still on hold and no any notification has ever sent to me about why the check is still on hold and when will the money be available to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX D.O.B XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian 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 you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Ally Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Ally Bank violated federal law. see 15 USC 1681b A2. I did not give Ally BankWritten instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Debt collection

RE : Service Bureau Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX They refused and failed to Acknowledge if they are bonded TX SOS. 

They state the FDCPA does not require them to provide an original, certified or attested " copy '' of the document creating the debt, copy of document authorizing them to collect debt, or copy of surety bond. They refused to provide requested documentation as requested in a Texas Debt Validation letter. 

Thank you
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have asked over several months for additional payments I made aside from my monthly payments to be allocated to promotional payment balances on my account. These payments were not allocated as I requested despite asking repeatedly. The company also claims that it takes XXXX billing cycles to reflect.
Product: Credit card

I submitted a payment on my credit card at Wells Fargo Financial National Bank. The bank applied the payment to a mortgage at Wells Fargo Home Mortgage that was paid off XXXX years ago. Wells Fargo sent the payment back to me, and Wells Fargo Finncal National Bank is now calling me constantly about the supposedly overdue payment.
Product: Student loan

My daughter XXXX XXXX was in XXXX where she applied for a student loan and she forged my signature as co-signer. When I found out about it I called the lender and told them I never co-signed for the loan. XXXX got on the phone with them and confirmed that I never co-signed for the loan. Then in XX/XX/XXXX I was notified that the loan was in arrears. I called them and said I thought they had deleted my name from the loan after hearing from me and XX/XX/XXXX that I never co-signed for the loan. They told me to get a police report. I did. I sent them the police report. Still they did nothing about it. Now the loan is 2 months in arrears and my credit rating has dropped over 100 points. I want to be removed from this loan. I never signed for it and I notified the company accordingly. The borrower also notified the company. I want justice. I should not be penalized for a loan I never had anything to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on XXXX Account : Collection ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on Experian / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer.

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date.

1. Document # 1 : Dated - XX/XX/XXXX XXXX 2. Document # 2 : Dated - XX/XX/XXXX Experian & XXXX 3. Document # 3 : Dated - XX/XX/XXXX XXXX 4. Document # 4 : Dated XX/XX/XXXX XXXX Experian
Product: Credit card or prepaid card

some one open 3 credit cards in my name /.some one used cable also in my name basically used all my information And now its hard for me to prove it wasnt me.
Product: Credit card

I called Capital One to see if we could stop reoccurring payments that had been going on for quite a while. Now they refuse to stop recreate payments, and said I had to call the carrier. I believe there is some kind of fraud going on but they refused to help me. So I asked to close account.