23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

Purchased TV from Best Buy salesman. Asked to fill credit app. to receive 10 % off first purchase. Was informed there was no obligation to accept credit offer. Credit report was entered with my social security number, but in my wife 's name. Never received {$45.00} which equals 10 % off. Bait and with but screwed everything up. Then tried to make Citibank correct information. Citibank would not do it. How does someone get credit card in their name if they are not even present? See watched What should I do now?
Product: Mortgage

I do believe that I am seriously in danger as I was not properly closed with my mortgage. Loan Care sold my home through a Trustee Sale without the trustee being connected to the new lender who owned the servicing rights ; XXXX XXXX was the company who should had welcome me and given me a chance to explain my debt. My loan was incorrect and was not properly transferred nor addressed. I have since received a letter dated XX/XX/XXXX as if I had asked that Loan care perform an action on my account and that they received an acknowledgement of my authorization. What acknowledgment? I thought my house was sold on XX/XX/XXXX so why would you have to perform anything on an account in my name. Which is why I am questioning the money deposited in my account in XX/XX/XXXX ; preparing for the house located on XXXX XXXX XXXX XXXX in XXXX arizona  to be sold ; without addressing me as an owner and taking money from someone else ; while I remain in the house. This appears to be against the law to perform this action which is why I am asking once again. Why does XXXX XXXX recognize 's me as being in their system as of XX/XX/XXXX. Does it take that long for me to be in their system while they did not even talk to me regarding my past debt. That debt was incorrect and as I have shown why in previous complaints ; I am praying that Loan Care has to recognize that they were wrong and they will not last as a business if they keep defrauding people out of their homes. Today, I am thankful that I am not homeless, but how sad for those who are. I hope the representative who has their position in these trying times, pray that they are not going to be homeless and have to pay for what they did. 

Please take note that someone is trying to claim my excessive funds which was my forgiven amount that was attached to my deferred outstanding account which was incorrect. Also, please take notice that I was in the bankruptcy claims department and XXXX had acknowledge that my loan was transferred in XX/XX/XXXX, so I should had spoken to the Trustee ; XXXX XXXX at least 4-6 months prior to sale and she held my loan as a lien since XXXX while I was in bankruptcy from XXXX ; so what is Loan Care 's reason on why they did not address my loan correctly after bankruptcy? Was it because of greed? It appears so.. Please address my concern with an appropriate response ; minus the " snide sarcastic and arrogant '' responses that I had received in the past ; you received what you wanted ; THE MONEY, but as of today ; when I check my mail at the old address ; the house sits with my trash sitting beside the road for pickup and I am still getting mail stating that I am the owner less than a month ago. Please explain ....!!!! I hope the FTC can find the answer ...
Product: Student loan

I received a letter from FedLoan saying the waiver was applied to my account when it has not been applied yet. This was highly distressing as I expect the waiver will lead to loan forgiveness for me. The loan forgiveness group on XXXX explained that this is common practice and to expect waiver to still be applied. But before I knew that, I was in tears at the outcome and stressed about next steps needed to resolve the issue. This is causing undo stress to so many borrowers!
Product: Credit reporting or other personal consumer reports

No one would help because I didn't have the account number and the account is closed they couldn't or wouldn't give any info.
Product: Debt collection

A company by the name of XXXX attempted to collect money from me by requesting my debit card number. Impersonating Afterpay, A pay in four payments company. They were attempting to collect an amount more than what I owe.
Product: Debt collection

I received a letter out of the blue from XXXX XXXX XXXX XXXX XXXX IL telling me I owe XXXX. WOW! I don't even have a XXXX XXXX XXXX credit card or account. I absolutely do not owe this XXXX I called to try and get to the bottom of this. They started putting me down and tried to make feel like I was some criminal for not paying my bills. Did some research, they have been reported A Lot for their scam. 

Why is this company still in business? How are they able to have a business license? 

What is this world coming to? Do States and cities need tax $ that much to allow such business 's to exist?

I received this letter on XX/XX/XXXX and respondedXX/XX/XXXX andXX/XX/XXXX. This place should be investigated and closed down! 

I DO NOT WANT THIS COMPANY TO HAVE ANY PERSONAL INFORMATION I GAVE YOU! SUCH AS EMAIL ETC I DO NOT WANT ANY FURTHER MAIL OR CALLS FROM THIS COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called several times to get my address added to my credit report so my credit score can be updated. Theyve been giving me the run around making me wait 72 hours for the address to be updated and when I call still no update. Another agent repeats the process over and I have to wait another 72 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

My loans transferred from Nelnet to XXXX in XX/XX/year>. Nelnet was paid off XX/XX/year>. They refuse to remove the balance from my credit report. I have the same account in my credit report twice. This is causing my debt to income ratio to be very low.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX venmo suspended my account, making my money, the only money I have, inaccessible to me. I received an email stating I needed to submit identification documents including a selfie of me holding my license which I sent in immediately upon receiving the email. The email offered no other information or explanation as to why my account was suspended nor did it give me a timeline for when it will be active again. I've reached out several times a day to customer support and each time I have been told that my account is being reviewed by account specialists who conveniently can not be contacted. I was told I just have to wait to receive their email in 7-10 business days. I have done nothing wrong to warrant this and that is all the money I have. My regular bank account, in the meantime, has fallen below {$0.00} resulting in increasing fees with each passing day.
Product: Mortgage

my mortgage were transfer to a new company called Flagstar Bank on XX/XX/XXXX and I can not get any document I want from them. they always lying said i will get the document but never get any documentation. i want my mortgage to be transfer out of this company.
Product: Debt collection

The debt in the amount of {$340.00} was paid in full
Product: Debt collection

The amount is XXXX. The account was open in XXXX and closed XXXX. I have been on military orders since XXXX, I also lived in ct from XXXX then XXXX XXXX until i left for the XXXX. The person the account belongs to is not taking accountability on the account,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 I advised XXXX, XXXX, and Equifax to reinvestigate the aforementioned accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX, XXXX, TX XXXX Please update to my full legal name XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. 

Please remove all of the other ADDRESSES off of my credit report. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.
Product: Vehicle loan or lease

To whom it may concern, my automobile was stolen by CCM XXXX Finance in the form of a " Repossession '' for the second time this year of 2022. On the XXXX day of XX/XX/2022 I requested a payoff to be sent to me in the mail to the address on file and I have never received it. Today, the XXXX day of XX/XX/2022 is when CCM XXXX  Finance has stolen my automobile for the second time after I, the consumer, have exercised my rights to rescind in pursuant to 15 U.S. Code subsection 1635 " Right of rescission as to certain transactions '' in the form of a contract made by I, the consumer, a Debt Validation letter. I, the consumer, sent the letter via Certified mail through USPS on the XXXX day of XX/XX/2022 to CCM Finance lien holder address XXXX XXXX XXXX, XXXX Tx XXXX. I then received confirmation via Green Return Recipe, that the Debt Validation letter was received and signed by XXXX XXXX on the XXXX Day of XX/XX/2022. Also, the tow company XXXX XXXX, who was authorized by CCM Finance to steal my automobile on the XXXX day of XX/XX/2022, left destruction to my families private property while doing so. On CCMFinance.net, when I log into my account on their website it shows " You have no active accounts associated with your profile '', " There are no payments '', and " You have no scheduled payments ''. To close on this statement that I have Done in good faith, Without Prejudice, and All Rights Reserved.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

An alert was sent to my phone about an inquiry I do not recognize. Please investigate this inquiry and remove as soon as possible. As Im not liable or aware of it XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I walked into a CitiBank branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/2020. I sat down with a branch rep named XXXX XXXX. There were advertisements posted all over the wall of the branch marketing the " Citi Priority '' banking product which would offer a promotional deposit of {$700.00} into the account after conditions were met : 1 ) Within 30 days of account opening, deposit {$50000.00} into the qualifying account 2 ) Maintain the {$50000.00} balance for 60 consecutive days 3 ) Payout of the promotion is 90 days after minimum requirements are met In effect, I had to maintain {$50000.00} in a low-interest savings account for 150 days ( 5 months ), in order to receive the payout of {$700.00}. 

That payout was due last week. I called the bank to see why I hadn't received my payout, even though I had made close to no interest on {$50000.00} that was in their money market account. 

They told me they will launch an investigation. A day later, I noticed something strange. Whenever I would login to my Citi account, it would recommend I upgrade to " Citi Priority '' to get extra banking benefits. That was really strange since I had always been on Citi Priority up to that point. 

After a couple of days, I received an quite shocking update to the investigation : I was told that I never signed up for the " Citi Priority '' account package, instead having signed up for an inferior " Citibank '' account package. This account would have been eligible for a reduced {$400.00} payout, with a {$10000.00} minimum balance, but that promotion was never applied to my account at opening. 

These guys literally switched my account type on their end, retroactively modified all my e-bill statements, and claimed I never signed up for the Priority account package in the first place. They XXXX me out of the conditions to get the {$700.00} bonus. 

Thus, I wasted 5 months worth of interest on {$50000.00}, and received neither the {$400.00}, nor the {$700.00} promotional payout. 

This bank makes business by lying and deceiving its customers. Classic bait-and-switch tactics.It is infuriating, and they need to be brought to justice.
Product: Credit card or prepaid card

I have had fraud on my credit card XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a XXXX name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. XXXX has lied saying she has tried to call me and she has not. I will be happy to provide my phone report showing calls in and out. You will see my repeated calls to her and no reply!! They gave credit and emailed me saying stating the credit totaling {$1500.00} that was posted to your account on XX/XX/, 2022, was considered final and would be closing your file '', then they took that credit back even after saying it was approved and final after initially saying it was final and my case was closed and I wasn't being held responsible, now because my car was broken into they are taking back the credit they originally gave me and said was final. They are also denying the new claim, corrected police was emailed to them on XX/XX/2022 to XXXX and I asked to confirm receipt of my email and they never replied or confirmed. I emailed again and included the avant claims email address, customer service email and support emails, asking for same, funny enough customer service and support confirmed receipt of the information but not the avant claims email. Not one my emails were rejected or returned so I know my emails went through. I have all emails and correspondence for proof as well
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by XXXX to Experian. Their records incorrectly show several payments as late, despite the fact that they were made on time. This false reporting is negatively impacting my credit score and causing unnecessary harm to my financial standing.
Product: Mortgage

I have been trying to get phh mortgage to pay my taxes for XXXX and XXXX ever since XX/XX/XXXX. I've sent the amount on what needed to be paid and they still didn't send my payment in time and the taxpayer had to send the check back because the payment amount changed. Phh mortgage insured me my taxes will and were paid and as of XX/XX/XXXX, my taxes are still not paid. I've sent emails and was told it would be reviewed in 10 days when it supposed to been handled in XX/XX/XXXX. My taxes are deducted from my mortgage payment I pay every month.
Product: Debt collection

A letter in the mail was received at consumers place of abode, attempting to collect an alleged debt. Said letter exposed the company name Receivables Performance Management LLC. This led the consumer to believe said letter indicates that the sender is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the Fair Debt Collections practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent bank account and credit card opened in my name at XXXX XXXX XXXXXXXX. The debt on these is several XXXX dollars. I made a police report. I froze my accounts and my credit. I called XXXX XXXX  XXXX easily 50 times over a matter of months after it happened in, I believe, late XXXX. Then in XXXX when I was trying to buy a house I found out it was still on my report. So I went through the process again. I disupted the report on every single credit reporting agency. I filled out a report for fraud and to the Attorney General. I sent all the information I had to credit bureaus and the fraud form I filled out. I mailed requests through usps to the credit bureaus and to XXXX XXXX XXXXXXXX. I have done everything I possibly can to get this taken care. Last resort is getting a lawyer which I really don't want to do. XXXX XXXX XXXXXXXX told me they verified the account was fraud but yet they refuse to close the report and remove it from my credit.
Product: Credit card

I applied for a new account with Citi bank whom I have a long perfect history and large credit cards with earlier this year. I was approved for an extremely low credit limit even though my income and credit report is near perfect. I reached out to the company for further information and they Refuse to send me any or to have a human look to see if there has been a processing mistake. they continue to hold payments for XXXX days before applying them to my account. called several times to get answers and each person refuses to talk to me about it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX The Receivable Management Original Creditor- XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$150.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, XXXX XXXX XXXX