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

I have already filed a complaint with you about issues with Citibank cards. After months of trying to fix the issue and Citibank reporting me to Credit bureaus they finally accepted their mistake. My problem now is they keep sending me to credit bureaus which is lowering my once high credit score. I have asked them to please inform the agencies of their mistake in order to fix my credit but they have not done this yet, they actually sent in a 90day late payment against me. I have endured months of them basically calling me a liar, hanging up on me and " refusing to look at the issue any further ''. Now they finally realize they were wrong but still keep hurting me. I did nothing wrong. I got a credit card, used it and paid my bill on time every time. Citibank should not be allowed to push people around like they do, it's just not right. How is a company allowed to do this? Seriously I am not understanding this. Thank you CFPB for all your help in this matter, I truly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act : Account Name : XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX ) has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My older brother tried to dispute his name, SSN & DOB to be corrected in Equifax. However, instead of creating a new profile for my brother, they DELETED MY name, SSN, & DOB in Equifax system & entered HIS name, SSN, & DOB along with HIS home address in MY credit file. This caused my name, DOB, SSN, & current home address being wrongly entered. I am unable to dispute to have it returned back to my personal information as they stated it is correctly entered in their system. This is fraudulent information. All of these credit history do not belong to my brother. They all belong to me. Now it does not show that I have any record with Equifax.
Product: Debt collection

This complaint is regarding two debt collection attempts from Medical Data Systems. Medical data systems is reporting two open accounts 1. {$1200.00} from XX/XX/XXXX, 2. {$180.00}, on XX/XX/XXXX XXXX, XX/XX/XXXX -XXXX/XXXX. I am disputing this information because I am unaware of where the debts are from, and I have requested debt validation a number of times and they have yet to provide that.I have no signed contracts and have never done business with Medical Data Systems. Furthermore, I receive constant phone calls and even threats from several different numbers associated with this company on an everyday basis. I have had to have several numbers blocked from m
y phone provider because of the harassment. Phone calls continue despite the request to end. Most  recently XXXX XXXX, 2017.
Lastly, this company is not able to tell me how and where they got my personal and health information and I feel this is a violation of my rights.
Product: Credit reporting

EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE DELETED. TRANSUNION PLACED THEM ALL BACK ON MY REPORT. UPON A DISPUTE THEY TOLD ME THEY WERE ALL VALID AND WOULD REMAIN. ITEMS WERE PLACED BACK ON WITH OUT NOTIFYING ME BEFORE PLACING THE ITEMS BACK ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors on my credit report several times, but they still show up on it. I want you to continue the investigation until all the information is correct. If you can not do it, remove the negative accounts from my report. I also have inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major XXXX XXXX Are in violation. 

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My account was furnished which is against the law. No one had my written consent. 

This company listed below is reporting inaccurate on all XXXX Equifax and XXXX for example the late payments are reporting inaccurate. I have challenged this issue once before and it came back verified. Please reinvestigate this issue or I will press charges. 

This has damaged my reputation and my civil liability. 

Understand that it is {$1000.00} for every violation. 


XXXX XXXX XXXX Credit card Individual XX/XX/XXXX Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX BANK XXXX Credit card Individual XX/XX/XXXX Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Also 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

All three bureaus should be reporting the same accurate information, which in this case are not. Please delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for my credit report and it had incorrect information about who I work for, who I owe money to and several other issues. I had to send so many documents to Equifax to prove that I am who I state and letters showing what was listed incorrectly, that the postage for this envelope was almost {$10.00}. 

I never received a reply from Equifax. I did get credit reports from the other two credit agencies that simply showed that I dispute my credit report. 

How do I get someone on the phone and get the information corrected? 

Why do I have to pay to review my own report to see if Equifax made the corrections?
Product: Debt collection

Reached out to all parties on regards of my wrongfully amount of debt that I owe attached to this complaint is a copy of the amount I actually owe
Product: Mortgage

On XX/XX/year> my property was struck with a category 5 hurricane and state of emergency. The property was damaged and the fence that protected the pool was destroyed. It took several months to get a permit and do to the high demand due to the emergency it was delayed and costs increased for repairs and construction. My county advised me that there was a program to assist and permission to defer taxes due. I applied to FEMA which was required first. Property taxes became past due and my mortgage lender placed forced escrow and required an immediate payment of {$18000.00} and increased mortgage payment from {$1500.00} to {$3100.00} to include prepaid taxes and insurance. I tried several times to get a detailed breakout of the {$18000.00} and disputed that amount since only may taxes for a few months late, my insurance was current and prepaid. Each time I called my lender they told me they could not provide the information but would send a letter, I would wait and I would receive the incorrect information and I would contact them and they would resend. The forced a new insurance policy that was more expensive and I already had prepaid for my insurance but they said forced escrow is bundled with taxes. They rejected my monthly mortgage payments due to the {$18000.00} that grew quickly. In XXXX I wired a payment of {$20000.00} which included the maximum prepaid escrow per RESPA however the lender did not accept and wanted that I pay both insurance premiums, my prepaid and their forced placed, and added taxes prepaid to monthly and also more than 2 years advanced taxes including monthly prepaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem relates to Experian, XXXX and XXXX Reporting Agencies. These agencies stubbornly continue to retain addresses that go back in some cases more than 30 years. 

1. These agencies won't provide a place on report to dispute ANCIENT addresses.

2. These agencies stubbornly report an " Also Known As ''. I NEVER USE AN ALIAS OR ALSO KNOWN AS NAME.

3. Name changes legally made LONG, LONG AGO are not reflected on report. The agencies are stubbornly holding on to OLD NAMES as though there is something to uncovered. 

Agencies IGNORE NAME CHANGED VIA DIVORCE DEGREE. Reports show last name XXXX ( OLD MARRIED NAME ) THAT WAS CHANGED VIA DIVORCE DECREE XX/XX/2002.
Product: Credit reporting or other personal consumer reports

they wont provide my notice of approved and my written wett ink signature .so XXXX XXXX mainly are taking info off and reporting back months latter its been a year dealing with this obviously all three agencies are insuating their okay with me filing a federal claim for their willingly and knowing deceptive acts .i get denied but they extend my credit .and in these reports they give to others doesnt have correct info i should have zero late payments. they are providing credit transaction when i extended my credit im the only one submitting ftc police report doing my obligation. they keep saying i need to give them mysecuirty info to my login cause the secuirty question they ask is the question for resetting password and they asking question with out the muliple choice answer. XXXX and XXXX. obviously their intercepting problem because they resetting logg in they good liars. i had rep today state they will not unfreeze my credit freeze i verified all my info automated machine when verifying what they reporting is in correct. .but same info i give rep honestly XXXX has secuirty issue their not aware off. i have a bank for the last two weeks been reminding me to unfreeze XXXX report. every day i waste hours getting extorted for info .you guys need to audit these agencies also a supena and analyze their calls youll see what they do right in front of you.i need my credit report unfreezed from XXXX i need them to provide in 24 hours my written signature date time the sent them giving my consent any agenencies or crediotr can report to my credit report.
Product: Mortgage

At the beginning of this year we decided to refinance our home. A combination of our credit scores and income documentation, lead to us finding Recovco Mortgage Management , LLC dba XXXX XXXX. Having been a mortgage banker for over 8 years, I did my due diligence with these folks upfront. We sent them over 150 pages of banking statements to be reviewed in detail and ensure that we were qualified financially before starting the loan process. 

It took us 8 weeks to navigate the loan qualification process and then another 2 weeks for the closing. The end result is a deed of trust was recorded on our home and we were never given a loan. We reached out to them and the XXXX XXXX the day after the deed was recorded, only to learn that they had no intention of funding it and had begun the process of attempting to rescind the deed of trust. XXXX  made the decision to halt funding and attempt to rescind my loan without letting us know. The collusion between the two companies is self-evident and is the reason neither made any effort to update us on Monday or Tuesday morning. There was a conscious decision made to withhold that information and an attempt to rescind the documentation without communicating any of it to us. 

After a week of silence, we received an email from XXXX telling us that they sent XXXX XXXX a " satisfaction '' for the deed of trust. There has been no satisfaction to this loan, because there was never a loan itself. There was a misfiled deed of trust that remained on our home for over a week. There was no communication from XXXX during that timeframe and we still never received anything in writing as to what happened. We qualified and closed on a loan, that they chose to back out of at the 13th hour and then colluded with XXXX XXXX, their normal title company, to rescind the deed of trust without telling us. Not only did we supply this company with our 100 's of pages of personal documents, we also paid for an appraisal that meant nothing because they couldn't off a product to justify it with. The result of this, is that in our current climate we are left in financial ruin, with no answers and two corporations that walked all over us. Both companies treated us poorly throughout the process and especially when it was time to fulfill their side of the qualified transaction. 

The NC Bar Association has reviewed this information along with a 16 page timeline of the events and full communication that occurred. They have decided to launch an investigation that is ongoing at this time. Both a litigation and real estate attorney have also reviewed the information and stated that there is a valid claim. It was noted that there was a breach in XXXX XXXX 's duties to us as a client when refusing to disburse the funds, as well as a breach in the loan commitment from XXXX XXXX. They have identified NC Statutes 45A-4 & 45A-7 and the Good Funds Settlement Act as just a few of the items that were all violated during this transaction.
Product: Money transfer, virtual currency, or money service

To whom it may concern, On Friday XX/XX/XXXX I received a phone call from someone saying that they were from Citibank fraud prevention explaining that my bank account had some fraudulent activity and they needed to verify the information so that they could resolve the problem and protect my assets. They explained that there was an attempt to use my debit card in XXXX and asked me if I had been there or if I was there at the moment, to which I answered no. They proceeded to verify my current address, my previous address, asking me if I had made some transactions with specifics dates and amounts. This transactions where correct. After asking all of this questions they said they were sending a code for security reasons, and that to verify my identity I needed to read it back to them. 

I never provided any personal information, bank account, social security number or username. 

After the call was over I decided to check my account and noticed that I had been locked out of it. That is when I called the bank, the bank notified me that there had been a wire transfer done to a XXXX XXXX  account. I notified the bank that that transfer was not done by me or authorized by me. 

The account number is XXXX. 

The case number from Citi is XXXX. 

The account to where the money was transferred is XXXX account # XXXX Belonging to a XXXX XXXX Routing number XXXX Police case number is XXXX FTC Report Number XXXX On XX/XX/2022, I spoke on the phone with XXXX team number XXXX, she instructed me that I have to get an affidavit signed with my information and that should be done in the branch. This is the first time that someone fro the bank has instructed me to take such action, even after I went to the branch to open a new bank account and brought a letter explaining the events that led to the fraudulent wire transfer. 

I have also been informed that they ( Citi ) are waiting on XXXX to return the funds. XXXX has asked the perpetrator ( scammer ) to return the funds. 

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

I filed a dispute in XX/XX/XXXX disputing 2 accounts mid- XXXX XXXX and XXXX XXXX XXXX and when I pulled my credit report online equifax statement says that these two account were removed from my credit report between XXXX and XXXX and I do n't understand why it is still showing up my credit report and not deleted thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX XXXXXXXX XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal Nov 14,1995 ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth CircuitXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.
Product: Debt collection

On XX/XX/23 I got a notification on my credit report of a debt owing for the amount of {$3100.00}. I XXXX the company and phone number because I had not received anything in the mail verifying the debt. When I called due to it may be fraudulent debt I did not want to give my person information out over the phone to someone I did not know. I said I would dispute it with the credit bureaus. The person immediately called me back but could not hear me saying hello, hello and I heard her say " know she is not answering her phone, send her account to all 3 credit bureaus ''. I was a treat to ruin my credit with the bureaus before they would even try to verify the debt. 

I never received anything from this company before they put this negative information on my report not do I owe the original creditor they are collecting for.
Product: Bank account or service

I opened checking and saving accounts at Citibank on the phone. The rep said to expedite the matters to go to the branch, present ID, sign necessary forms and deposit the money. So I did. A week later it turned out they were missing a copy of my ID I presented in the branch. But they kept quiet until I called them on the phone asking about access to my money. Eventually they sent me an email with a form for ID copy so I had to fax the image of my ID with the form. After that they sent me an ATM card. But when I registered it I discovered that the access to the savings with the entire amount ( XXXX ) of the deposit is blocked. Now they are stating that they do not have the signature card which is a lie. Without it the opening of the account would not have been complete and accepting the deposit would not be possible. Even written communication with customer service is infuriating. They completely ignore what is stated in the request and give absolutely irrelevant answer. At this point I worry about a very substantial amount of my money that they are holding and refusing access with made up reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed a copy of my credit report. It shows a student loan identified as XXXX.I have never taken out a student loan through XXXX. 

Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furrnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records1.

FERPA applies to any public or private elementary, secondary, or post-secondary school1. 
It gives parents certain rights with respect to their children 's education records, and these rights transfer to the student when they reach the age of 18 or attend a school beyond the high school level.

Schools may disclose " directory '' information such as a student 's name, address, and dates of attendance without consent, but they must inform parents and students about directory information and allow them to request that the school not disclose it In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 

That means an original contract or similar proof, not just a printout of the payments that were made. 

Provide all DOCUMENTARY EVIDENCE from the public and private side according to XXXX that this is a valid and verifiable debt you are reporting and claiming the accused debtor " XXXX XXXX '' owes. I further demand you provide authenticated and verifiable proof that accused debtor " XXXX XXXX '' was given an advanced and lawful opportunity to opt-out to any disclosers of personal identifiable information to your corporation and its subsidiaries PAST AND PRESENT. 


Per the F.C.R.A, as a federally protected consumer, I am permanently opting out of any and all authorization, I the consumer may have under duress given you, written, unwritten, verbal, and non-verbal, per 15 U.S.C. 6802. This is effective immediately and indefinitely.

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am theConsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I will contact a consumers rights attorney to pursue my rights for private action under the FDCPA and or the FCRA where appropriate.

See attached files and account number to validate my findings of FERPA VALIDATION
Product: Credit card or prepaid card

I absolutely tryed to make online purchases with my card and it would not go through and Them I contacted JcPenny and they said they had no idea what was going on just for me to contact the credit bureaus and see what the problem was I was just very very unhappy and upset because my jcpenneys credit card payment have been in on time and it was always paid completely off and In full I most definitely would like to have my credit card back on so I can make purchases on line please and thank you very much for fixing and finding out what the problem is and my issue,.