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

THESE INQUIRIES ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!
Product: Credit reporting, credit repair services, or other personal consumer reports

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX
Product: Checking or savings account

I paid a debt to fifth third bank on XX/XX/XXXX 2019 as a part of a previous CFPB complaint. They rejected my payment, sent me collections, and damaged my credit score. I didn't realize this had happened until I received a letter from the collections agency. Fifth Third has refused my money, and it is now impacting my credit reputation due to them filing collections. 

XXXX transaction log of attempted payment : XX/XX/XXXX 2019 Credit Return : Online Transfer XXXX to XXXX # # # # # # XXXX Misc. credit {$290.00} {$4100.00} XX/XX/XXXX2019 Online Transfer XXXX to 5/3 # # # # # # XXXX transaction # : XXXX XX/XX/XXXX {$290.00}
Product: Debt collection

This account is not my account or a debt that I owe. It doesnt show up with other credit bureaus only XXXX. Ive settled one debt with them already which they threatened to sue me and tried to serve me papers if I didnt set up a payment plan with them. They have never mentioned this other account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting this XXXX XXXX account inaccurately. 

XXXX reports XX/XX/XXXX for the date of last activity while Equifax reports the date as being XX/XX/XXXX and XXXX reports the date as being XX/XX/XXXX. 

Also, XXXX has not legally investigated this account as XX/XX/XXXX is the last reported date. 

XXXX has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

Equifax has clearly illegally re-aged this account. Also, Equifax reports additional positive payment history on a closed account.
Product: Checking or savings account

Third time making this complaint because Citi executive response team refuse to do their job. They like to lie and keep closing my case without actually doing their job. Which is completely fine because I will keep making cases and I will keep calling and I will keep reaching out to whoever till I get my money! Citi bank still has not called XXXX but decided to close my case with no resolution then when I recalled on XX/XX/XXXX the lady re opened my case and told me Citi would call me and do a three-way conference call with XXXX to verify the check the citi refuses to give me,. NEVER got a call but yet again they close the case with no resolution, and still keeping my money.. so I took it upon myself to do Citi bank employees job and I called XXXX and the representative agreed to stay on the line while I call Citi response team phone number ( XXXX ) XXXX! the lady who answered the phone attempted to get a hold of the person that was handling my case but of course she wasnt available.. So like I said yall can keep closing the case all you want but until I get my money, Im going to keep calling and Im going to keep making cases! Do your job and this could of been settled MONTHS AGO! But instead your attempting to keep my money simply because your too lazy to call and verify a check that HAS CLEARED TO CITI BANK SINCE XX/XX/XXXX! Horrible customer service from everyone involved! XXXX is probably the worst employee and worst person to have in a department thats supposed to be for investigations. She wont even call XXXX to verify probably because she does not want to be wrong! shes no help shes useless and shes purposely avoiding calling XXXX  to verify the check! Someone who has a brain and is willing to help needs to take over. Im not letting Citi bank get away with stealing XXXX dollars from me that I worked hard for simply because XXXX refuses to do the job she gets paid to do. I understand your company is doing layoffs and you guys are losing money, but that doesnt mean be spiteful to the people that were your customers.
Product: Credit card

I had an XXXX balance on my Discover Card. I decided to pay it off completely. As soon as I did that they froze the card and asked me for my XXXX  documents. And then froze my card for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I originally filed a complaint to the CFPB XX/XX/year> that XXXX made an unauthorized withdrawal from my account and put it in the negative and even showed proof along with other concerns I have. They refuse to send me a copy of the settlement agreement. They responded to the CFPB saying a district manager would get back to me and they never did. They also told the CFPB themselves it is standard to send a copy of the settlement agreement. Well they just sent me an email saying that they don't send any documents of settlements and that they denied my request for a refund the day which they took an unauthorized transaction from my account. Again, I have proof below. 

They aren't even being honest with the CFPB. They are now lying and they NEVER had one of their managers get back in contact with me. This is blatant violation of the CFPB and debt collection rules. They addressed none of my concerns and now are blatantly lying.
Product: Credit reporting

Hello, there is a 2012 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my history that I have been disputing for the last 7 months to get this item removed. 

I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a manager and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had 4 representatives inform me that the dispute is sent as a memorandum to the courthouse via XXXX. Once the court verifies it, the information is mailed back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they told me that they do n't report any information to the credit bureaus. 

I decided to call Experian back to speak with another manager, but this time they advised that the information is given by the runner who goes to the court house. 

I asked what information does the runner give to the courthouse, and how & what kind of physical information does the runner report to the credit bureaus. They could not answer that information and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a certified letter was mailed to transunion and equifax in regards to inquiries on my report that were not given the authority to furnish my report. They told me that they had the ability to do whatever they wanted and to report it if it was authorized or not because they had permissible purposes i advised then that they did NOT have permissible purposes and the items should be removed. They stated that they did not receive my letters. I have proof of delivery also. I spent 2 hours on the phone with a representative from each bureau which said the same things to me. They would not remove the inquiries. 

Inquiries XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error
Product: Mortgage

Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. 

Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.
Product: Mortgage

I am a XXXX veteran with a NJ Property tax exemption. Mr. Cooper has been overcharging me property taxes for close to a year. They were made aware of my tax exemption for close to a year The county and town tax collectors have repeatedly reached out to the company to stop this predatory charging without any help. 
I finally had to reach out to my congressman for help for them to recognize my tax exemption. Now that they were forced to stop charging me for taxes, I don't have to pay no one at Mr. Cooper knows where the overcharged money is. I have overpaid close to 9,000.00 in taxes and no one at Mr. cooper has any clue or cares. I am curious how many other veterans this company has done this too?
Product: Money transfer, virtual currency, or money service

I tried to submit documentation to Cash App to update my legal name on XX/XX/XXXX. I got radio silence, despite uploading the required documents and sending several emails trying to follow up. I opened a second case on XX/XX/XXXX to again try my legal name. I kept getting told there was issues with the upload link, so I re-uploaded the documents and sent a follow up email with screenshots confirming that they were successfully uploaded ( along with a confirmation number ). I then get told that the documents were rejected and to submit again. 

I kept re-uploading the court order, front/back of my license, and a selfie of me holding my license as per their requirements, because as far as I could tell the documents met their requirements to the letter. I asked for feedback on what was wrong so I would know what to correct, only to be told that they do not have any new information to provide, can not provide any additional support, and closed my case. I need help to get the legal name on my account updated.
Product: Mortgage

On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the trust XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

XXXX XXXX XXXX/Wells Fargo / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Product: Vehicle loan or lease

Late payments have been placed on my account. When it shouldnt have after a total loss in XX/XX/XXXX. I did a payment arrangement for {$100.00} a month. I guess the system was still doing {$320.00} a month. So therefore late payments was added to my credit report and it also took my score down. I called to talk to them about it but they refuse to take the late payment Off. Also I have seen the balance go up and down on this account also I also tried to bring that to their attention. The dates of the late payments on his account is XX/XX/XXXX XX/XX/XXXX and XXXX and XX/XX/XXXX. Im not sure if they have any other late payments because they have not updated the account since it looks like. This has also stopped me from getting in new vehicle after I had another total loss. XX/XX/XXXX the amount change from XXXX to XXXX and my score dropped.
Product: Debt collection

I sent a letter to Convergent Outsourcing to provide me legal documentation for this alleged debt after auditing my credit reports, and never receiving a dunning letter from them. I am not liable for this debt with XXXX and I do not have a contract with Convergent Outsourcing. In addition, they did not provide me with the original application like I asked them. They completed ignored my letter, and but fail to provide me with the original application therefore they need to delete this account from my credit report
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$350.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Fraudulent Information on Credit Reports Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$21000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$250.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question, which are at risk due to the breach, are as follows : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$11000.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$630.00} Additionally, I am requesting that the following inquiry also be investigated and removed as part of this process : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/2019 there was an inquiry made on my credit report by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received and inquiry on my credit from XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received an inquiry that I did not authorize from Capital One Bank Usa. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail.
Product: Debt collection

XXXX / XXXX /  XXXX   received call at  XXXX   XXXX   XXXX  . Caller refused to give me the name of the company I asked 7 times on the recorded line. I then asked for a  manager  and caller hung up. I called back to speak to  a manager  who gave me their address which is misleading and deceptive as they are calling from  XXXX  a PA number but their address is in Florida. The  manager told me  that they buy telephone numbers to call people in other areas. I find this to be completely misleading and deceptive. The name of the company is ERC at  XXXX   XXXX   XXXX   XXXX  Florida
Product: Student loan

I received a call from an unknown company claiming to represent Citibank in order to collect a student loan debt from XX/XX/XXXX to XX/XX/XXXX. They stated the wrong school so I thought this was odd. I was told I can settle the debt with them and then stay out of court with Citibank or not pay and have to go to court and then pay double. For monthly payment they wanted XXXX a month down and XXXX every month with a higher debt amount. This whole thing is odd because Citibank was not on my credit reports. I dont trust this at all and think its a way to get money out of me.
Product: Mortgage

I had a mortgage loan with Freedom Mortgage ( XXXX ) and serviced by XXXX ( XXXX ). The loan was a VA ARM. I refinanced the loan under the VA progrom with Freedom Mortgage to a VA fixed rate in early XX/XX/2014. When the loan was refinanced I had to make an escrow deposit for the new loan. XXXX has failed to refund the remaining balance of {$1300.00} I had in escrow on the old loan. I contacted XXXX companies and have been given the run around with XXXX stating Freedom Mortgage told them to apply the money and Freedom saying there was no information. I am not aware of authorizing either company to do anything with my escrow funds.
Product: Credit card or prepaid card

My Complaint : Bank of America closed my claim of {$6000.00} in unauthorized ATM-withdrawals, one day after filing my claim, without investigation or a refund. 

The evening of Sunday, XX/XX/2020 I received a notification from Bank of America on my phone that the balance on my Bank of America Nevada Unemployment Insurance Debit Card Account had dropped below {$500.00}. I went online and found 6 unauthorized ATM withdrawals of {$1000.00} each, at various XXXX XXXX ATMs in XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX, draining my account to {$30.00}. Immediately after noticing the transactions I called Bank of America. They cancelled my card, which is still in my possession, and issued a new card. They told me to call back the next morning, since the claims department was already closed. 
The next morning, Monday XX/XX/XXXX, I filed my claim totaling {$6000.00} with the fraud claims department of Bank of America. The lady on the phone said I would receive a letter after 10 days informing me how much I would be refunded, and that the total investigation could take up to 45 days. 
I also filed a report with the local police in XXXX XXXX on XX/XX/2020, which I sent per fax to BoA the next morning, on XX/XX/2020. 
On Friday XX/XX/2020 I received a letter from BoA stating your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. ' and that they would debit the account for any temporary credit that was applied related to this claim, if any. This letter was generated on XX/XX/2020, a day after I filed my claim and postmarked six days later, on XX/XX/2020. In addition, the letter states, that I can request to reopen my claim for further consideration.
Product: Mortgage

On XX/XX/XXXX, I sent an email to MortgagePros, requesting the termination of my loan application and the transfer of all my documents and information, including the copy of the appraisal transfer letter and the original appraisal, to my new mortgage lender. Despite this request, MortgagePros has been unresponsive and refuses to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of purchasing a house, I reviewed my credit report and discovered a significant number of negative items listed. This is in direct violation of the 15 USC 1681 law, which clearly states that such damages should not appear on credit reports. The presence of these items on my report constitutes a clear case of defamation of character, which must be addressed. It is imperative that all information presented in this matter is accurate and relevant to the case at hand.
Product: Debt collection

I called the company to dispute the alleged debt and to let them know I had never had any contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my  credit score on  all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.