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

I have no relation to this fraudulent account titled XXXXDEPT OF ED ( XXXX XXXX XXXX XXXX XXXX  XXXX on my credit report. I have not received any service or product from XXXX/DEPT OF ED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another XXXX XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX/DEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to get the address to file a small claims suit against Bank of America in Utah. I get no help from any of the contacts I have made to Bank of America. I also did not receive the information in my last complaint. There were many errors on when my modification was done. My request is simple. I need the name, address etc. to who I can serve a small claims suit to in XXXX XXXX XXXX Utah.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

My wife and I have a joint BJs Mastercard through Capital One. I authorized my XXXX bank to electronically transfer {$2200.00} on XX/XX/year> to pay a bill. Capital One claims that they never received this payment even after XXXX provided them with proof that the transfer went through. Capital One is continually charging me interest and fees every month and say I still owe the {$2200.00} amount.
Product: Checking or savings account

I have two CD accounts in Citi Bank which I opened two years before ( Renewed on XX/XX/XXXX for another 1 year ). Currently it has balance of XXXX USD. Both these accounts are matured in XX/XX/XXXX and it is automatically renewed for another 1 year. As I needed money for some personal need, I decided to withdraw the money in the month of XX/XX/XXXX and I approached Citi Bank. But now they are telling me that I have to pay penalty for the closure of these CD accounts which is more than the double the amount of interest I got last full year. I am complaining about this because Citi Bank doesn't provide any option for the customers to stop automatically renewing the CD and customer has only one week time window to withdraw the money after maturity. If you miss this window, account automatically renewed for another 1 year and if you need to close the account, you have to pay the penalty.
Product: Checking or savings account

I was targeted from PNC with my Prestige Contracting business account. On XX/XX/XXXX I deposited a check for a little over {$46000.00} from a legal settlement. I was told that day I could not withdraw cash due to it being a business account from XXXX in the amount of {$3500.00}. I was also informed by XXXX since I had next day availability that I could come back the next day on XX/XX/XXXX to withdraw cash from the account. On XX/XX/XXXX we had a little over {$43000.00} in our business checking account. When I went to withdraw {$7500.00} cash from the bank the morning of XX/XX/XXXX. I was told it was denied from XXXX due to unauthorized signature on the check from XXXX. PNC immediately withdrew the {$46000.00} from our account giving us a negative balance and overdrafts. After providing evidence that XXXX XXXX with XXXX was an authorized signer on the XXXX. I was told that information was denied by XXXX. When I asked why it was denied they said they needed more evidence which led me to now know they were bold face lying to me. I provided additional evidence exactly as PNC wanted on the morning of XX/XX/XXXX and once again was denied withdrawal from XXXX and XXXX with upper management. This behavior stopped our business from operating and cause financial loss and harm to our company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX XXXX XXXX Equifax To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. XXXX on XXXX, XXXX, and Equifax how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Equifax shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows no payment history within the last 24 months
Product: Credit reporting

I attempted to obtain my free annual credit report through XXXX. I was told that there was insufficient information to obtain my score online, and that I had to mail in a paper form ( XXXX ). 

I mailed in that paper form, requesting reports from all three credit reporting companies, on XXXX/XXXX/16. I have since heard back from XXXX and XXXX, so I know the form was received, but have not received any response from Equifax.
Product: Credit card or prepaid card

Dear Office Of Attorney General and Bureau of Consumer Financial Protection : Regarding : Citi Bank Discriminatory Lending Practice. 
Citi Bank Application ID : XXXX XXXX XXXX : 1. I received an offer from Citi Bank for Pre-Selected to Apply for Citi Custom Cash Car ( Copy Attached ). 
2. I did apply om XX/XX/2022 ; a few days later I found the application was declined for an odd reason sounded like a personal and dosimetry opinion. 
3. The reason, as stated here in the attached letter, referred to credit obligation that was Too High but never indicated too high to What. 
4. Citi Bank provided Phone number ( XXXX ) to call with reference number # XXXX. The phone number works but keeps you waiting for near 15 minutes then, the system tells you No one is available to answer your call!. 
5. Again, I called today XX/XX/2022 but same message came out after waiting another 15 minutes. 

Conclusion : 1. My Total Debts to Income ratio is very low may be under 32 % since I do not have any Credit Obligation more than my Mortgage and all other credit card paid off on monthly bases. 
2. My Assets to Credit Limits are 2:1 Since Citi Bank never requested me to provide any Income or Assets Varication to provide dependable Ration that can be matched against their Written Policy, I strongly believe the Bank has been adoption discriminatory Lending Practice uses Personal Opinion rather than procedure to verify the facts of the application. 

Please contact the bank and have them provide you with my Total Debit To Income ratio and have them define the meaning of Too High to meet their approval Guideline. 

Sincerely XXXX XXXX
Product: Mortgage

In the foreclosure process and Caliber homes does n't seem to be willing to work with me. I was requested to submit the same documentation in different formats over 5 different times. My application is about to expire because they did n't like the formatting of what I submitted. I also get different answers each time I call. I have been working with them since XXXX 2015 and still do not have any answers on if I will receive a modification.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I tried to make a purchase they were quoted me one price but when I went to go check out they change the price. Ive been doing business with them since 2021. So I called them because Ive never had that to happen to me before & I have {$400.00}. XXXX  purchase. When I spoke with the representative he told me that they do credit checks every time you make a purchase. Ive never had a problem and Ive always purchased through them. And they never informed me that they were doing credit checks and I never authorize anyone to check my credit..they had my debit card they knew that the money was in my account. Once I told him that I never received anything stating that they were checking my credit and I never authorize them to check my credit. When I hang up that they denied my purchases and refuse to allow me to use the service and wiped out all of my purchasing power.
Product: Debt collection

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX  Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 6 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Monday XXXX XXXX  I sent a letter via mail requesting my personal information be looked into because i figured as if my info has been used by someone else. 
I also called on early XXXX and was told they would investigate but i never heard anything back.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I purchased an item with my PayPal XXXX on XX/XX/22 for {$110.00} Transaction ID XXXX After going back and forth with the seller for a month, the product never arrived. I requested a refund from paypal because the item never arrived. There was supposed to be a signature required with delivery. No delivery or signature. 

On XXXX I requested a refund due to fraud. The website says it will take XXXX business days. 

On XXXX I provided additional information Paypal will not refund my money. XXXX and XXXX said it would take a month. XXXX then said XXXX days. Now XXXX says it will take up to 90 days. 

This is obvious fraud by the seller and Paypal is letting the get away with it by not refunding my money. Will you please help me get my money back? Its now 12 days since I notified them that this is fraud and they still haven't returned my money.
Product: Mortgage

SYNOPSIS : By correspondence dated XX/XX/2021, LOANCARE  offered me a post-COVID-related loan forbearance Trial Period Plan ( TPP ) as a prelude to a permanent loan modification. This correspondence advised that I had the option of either accepting the offered TPP immediately, or that I had the right to appeal, and that this appeal must be received no later than XX/XX/2021. The letter further advised that I did not have to choose between accepting the first-offered TPP or any TPP offered post-appeal until 30 calendar days after the date of the appeal decision. I chose to appeal LOANCAREs decision not to offer a particular VA loan TPP, this appeal being timely received on XX/XX/2021. By correspondence dated XX/XX/2021, LOANCARE denied my appeal, as well advised that the amount of {$62000.00} was due immediately (! ). On XX/XX/2021, LOANCARE  timely received my acceptance of the first-offered TPP. By correspondence dated XX/XX/2021, LOANCARE did not acknowledge my acceptance of their offer. Rather, they returned the entirety of my correspondence of XX/XX/2021, as well as the {$9300.00} check I proffered in conformity with their first-offered TPP, on the basis that the payment represented less than half of the full amount due ( that is, less than {$31000.00} ). In summary, by refusing to acknowledge my properly-executed acceptance of their offer and the existence of our valid contract, LOANCARE is at a minimum liable for breach of contract, as well as likely violating the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, and California and federal prohibitions on unfair, abusive, or deceptive acts or practices. 
NOTE : See attached full recitation of facts and history. 


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Product: Checking or savings account

Chime bank allowed fraudulent online charges to my checking account via my debit card. These charges were reported as soon as they had been discovered and I closed my debit card. Initially, I received attempted charge blocks for large amounts and then multiple smaller charges rapidly processed. I attempted to dispute the charges and report the fraud, however, their online system would not allow me to dispute pending charges, so I simply closed the card and the next day disputed the charges. Chime has denied my fraud claim and will not share with me the reason for the decline for another 10 days. My card has always been in my possession and these charges came in from out of the country, obvious fraud. I believe Chime has violated Reg E in denying my claims and acting on behalf of a fraud success. Charges processed on XXXX XXXX and XXXX. I reported the fraud on the XX/XX/XXXX, chime denied my claim on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, I called XXXX to inquire why I received a Master card in which I did not apply for, after questioning the young man, he was not able to answer my question. Therefore, he asked me to hold and he will find out. I was on hold for approx 8 minutes. He did not return. I hung up and called back. I was informed from a young lady that from the store card which was not an master card, that my card was upgraded and I received a master card because of good standing without permission. The card number in which I did not activate ended in XXXX. 

My question, what rights do they have to run my credit without permission. Previous to receiving the master card, I was asked several times when I shopped if I wanted to convert the card. I said " no ''. Now, without my permission I receive a master card.
Product: Debt collection

I received 2 mailed 'bills ' from SST XXXX XXXX XXXX XXXX XXXX IL regarding an outstanding debt ; I have not had a loan. Both invoices I received showed a past payment ( month prior ) but I never paid this company because I don't know who they are, and believe it is a scam. This also does not show up on my credit report.
Product: Mortgage

To whom this my concern, On XX/XX/XXXX I sent a payment to my bank few days later I sent the rest of it it went out of my bank 2 weeks later the money was returned for no reason. So the payment was late. So why was put on my credit report that I paid late. No one call me that there is a issue or what's the problem tried call the bank could not get to them. 
Please help me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX`s account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX`s account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.