23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Truly, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempt to make two different transactions and ended up getting scammed by a XXXX XXXX  and XXXX XXXX. I reached out to cash app and requested an investigation and a refund but my refund was declined and I was not able to speak to an agent because there was no customer service number to call.
Product: Credit card or prepaid card

I have been a customer of Citibank since 2014 and in that time, I have paid the FULL STATEMENT BALANCE ON TIME on all 4 of my cards that are held with Citi. This includes, the ThankYou Preferred Card, Double Cash Card, Costco Anywhere Visa, and the Best Buy Visa card. I have in fact OVERPAID my cards on occasion and if I received a refund from a company, they would need to send ME a check. Earlier this year, I had to file some disputes due to some unrecognized charges, and Citi promptly issued me new account numbers for these cards, however they failed to carry over my Autopay preferences to the new account numbers. Sure enough when the time came for my statements to be paid, my Autopay was non-functioning and payments were not made for 2 and eventually 3 of my accounts with them. I quickly fixed the issue, updated my settings so that my statements would be paid in full each month for all my cards. Seemed like an honest mistake on there part. I chalked it up to my own fault and figured I 'd pay the interest and move on. However, some time later I received letters saying that each one of my 4 Citibank credit cards was being closed. ( Yes, even the one that was still being paid every month ). They claimed it was due to " Excessive Risk ''. After calling in several times to different numbers for each of the cards ( equally frustrating ), they instructed me to write in to Citibank 's Executive response unit. Which I of course promptly did, and received 0 response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX, XXXX, XXXX According to the FRCA The term '' investigative consumer report '' means a consumer report or portion thereof in which information a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything have to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit from I C Systems. When I called, they said theyre a vetinary collection agency and theres a collection from banfield for {$630.00} of unpaid vet fees. I do not have a PET, so I am lost and confused on why I have vet bills. Ive never even been to a vet. This is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. XXXX, XXXX  and Experian failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from my credit report.
Product: Debt collection

I received a phone call yesterday ( XX/XX/XXXX ) at XXXX XXXX. 

The caller said that I owed XXXX XXXX {$35.00} and that a collection agency had been contacted. 

I knew that I owed nothing but called XXXX XXXX and verified that. 

Today, I received a postcard purporting the same thing. I tried calling them but it is automated only. I tried a second time, entering the " reference number '' and was transfrered to a recording saying they were closed today and then disconnected.
Product: Debt collection

XXXX had a collection account being reported on my credit report. I disputed it and it was removed, after months passed another company is reporting the same account in my report. This information is false and it should be removed from my credit report. I am trying to purchase a home and this situation keeps affecting my chances.
Product: Checking or savings account

On XX/XX/2023 I was checking my account online, and noticed a withdraw from my checking account, in the amount of {$5500.00}, also a withdraw from my savings account in the amount of {$2800.00} I instantly went to my bank, and let them know this was not me who did this, they froze the account, I then went to the police department and filed a report, went back to the bank the same day, and gave them the police report #. At that time they said I should receive my money within the next three days, when that did not happen I went back to the bank and now they said they would issue a provisional credit within 10 days. In the mean time, I froze my credit at all 3 bureaus, as well as went to DMV, and changed my drivers license, and the social security department. Calling the bank each day to check on the status of my stolen money, each day they had nothing to say, except we had to wait, and gave us a U.S. Bank fraud number to call, which I did at least 5 times, and no-one was able to give me any information, or policies, or procedure 's, or how long it would take for me to receive my money back. Today is XX/XX/2023 and I am overwhelmed and frustrated can you please help me. That is all the money in the world to me and the bank doesn't seem to care, and is still unable to tell me when I will receive my money. Thanks in advance for your help in this very important and urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are reported as delinquent in XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.
Product: Checking or savings account

A copied check was written in the amount of {$12000.00} and made payable to a non existing company in Texas and signature was not related in anyway to me, the checking account holder. A different name was used entirely. It was cashed by another Bank ( XXXX XXXX XXXX and approved by my bank, XXXX XXXX. I reported it to XXXX bank and filled-out an affidavit and reported it to XXXX XXXX Police XXXX Report # XXXX Badge # XXXX. 
Sandy Spring Bank Manager XXXX XXXX said they refuse to investigate the case and will provide no information other than a copy of both sides of the fraud check. All checks for {$10000.00} or more are supposed to be screened thoroughly by banks for fraud which was not done for this check. I have been banking there over a decade and the only signer on both of my accounts there. XXXXXXXX XXXX also would not divulge the identity of the branch the check was cashed at. Most checks have to sit in an account until the money is made available but I was told it was cashed by local XXXXXXXX XXXX  based on the coding numbers on the back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within XXXX days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : HEBREW FREELOAN SOCI XXXX Date Opened XXXX  XXXXXXXX XXXX  Balance : {$0.00}
Product: Mortgage

My name is XXXX XXXX. I fell behind on my mortgage payments when the father of my XXXX children left us. I was left to pay my mortgage and bills but with just my income alone was unaffordable. When I finally landed a well-paying job, Fay servicing approved me for a modification with trial payments of {$1800.00} but they were also requesting {$58000.00} as a " grace payment '' due 3 weeks before the first trial payment. I simply could not afford such a large payment within 4 weeks. I asked around for loans, but I was turned down because my credit  reflected that I was delinquent on my mortgage, so I asked Fay Servicing if I was eligible for a short sale. Meanwhile I sought out a broker, my home was placed for auction for XX/XX/2018. I was so distraught I filed an emergency Ch.XXXX prose bankruptcy on XX/XX/2018. I had never filed nor had money to pay a lawyer, but I was assured at the time of filing that my bankruptcy forms were correct and accepted and I was given a Notice of Filing Form to send to my debtors. I had it faxed over to Fay Servicing and the foreclosing attorney the next morning. A third party of mine called and confirmed they received my paper work but on XX/XX/2018, I had a notice on my door stating that my home sold and to call the number on the notice! I called, no one answered so I left a voicemail for them to call me back. I called Fay servicing right after to ask what was going on. I was assured by a Mrs. XXXX from the bankruptcy department at Fay Servicing that no foreclosure was held due to the bankruptcy. I asked about the short sale option and was advised by XXXX XXXX at Fay Servicing in order to be reviewed for short sale eligibility, I had to renew my homeowner insurance policy. I went XXXX to take care of it right away and faxed over the insurance policy on XX/XX/2018. On XX/XX/18 I spoke to XXXX  ID # : XXXX confirmed that the insurance policy was received, and he also assured me that my FORECLOSURE WAS SUSPENDED. I faxed over the RMA packet XX/XX/2018 and I called to let Fay Servicing know I sent it. When I called for an update on XX/XX/2018, I was told my house did sell XX/XX/2018 so I called the foreclosing attorney, and it was confirmed that the sale did go through XX/XX/2018! I asked how was it possible if I was protected with the automatic stay due to the bankruptcy and automatic stay generally goes into effect when the case is filed. If you filed a prior bankruptcy case that was pending in the one year period before the present case, the automatic stay will last only 30 days unless you ask the court to extend it. I had NEVER filed before so why did they approve the sale? Now I am being told that I do not qualify for anything anymore. Please help me! To this complaint I have attached all the supporting documents. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to transunion and equifax about this issue 3 times now. 

XXXX XXXX is reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company SELF XXXX continues to show an open balance when I have tried consistently to resolve this, At first this company wa sall good my score went up. I went through the whole program and finished. 
There was a zero balance and they even sent a check back to me to indicate I am finished with the program. 

Then I heard nothin else and now they keep showing a balance and keep reporting incorrect information on my credit report. 
ask them to mail you the letter that my account zeroed out and I succesfully finished their program.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of reporting, with incorrect amounts and dates.
Product: Credit card or prepaid card

Subject : Chime Disputes Team Issues Claim ID : XXXX Customer filed dispute multiples times ( at least 5X ) on XX/XX/22 with Chime Disputes Team due to unauthorized charge from Merchant. Disputes Teams failed to thoroughly investigate uploaded documentation for Claim ID : XXXX. Disputes Team kept automatically marking the claim as closed without processing documentation that was provided.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX deleted and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Also due to the data breach from Equifax which also caused my information to be exposed. 

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  These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Checking or savings account

They closed my account when I told them their was fruad activity and never reburst my funding..
Product: Debt collection

I send a request for validation letter to LVNV Funding on XX/XX/2021 via usps certified mail and they received the letter on XX/XX/XXXX ( proof attached to this complaint ). 
The company had 30 days to respond to the request for validation letter and they failed to provide me with proof of validation. this company is violating the Fair Debt Collector Practice Act by failing to provide me the information requested at this point they on default and in violations of 15 usc 1692 and 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of Pursuant 15 usc 1602e i am the natural person and the only one who can validates the alleged debt. I do not owe this debt and I refuse to pay this debt. I want this company to remove this account immediately of all CRA 's due to failure to provide proof for validation and default for not responding within the 30 days.
Product: Credit card

Citi bank promotes its credit card at the time on the XXXX XXXX website encouraging you to sign up and receive a {$250.00} statement credit when you make a purchase today. I completed the application and was approved. I clicked the icon to receive the temporary card number to make my purchase today and the website asked for a code theyd text to me. I put that in and the system said it was correct but then instead of displaying my temporary card number, they just load my account home page. I have no way to use this new card today to make the purchase. I called and requested the temporary card number and was told no one can provide me with it for data safety. This is a bait and switch. The offer was to save {$250.00} by applying and booking today but I am now being told I need to wait for the physical card to arrive to make the purchase. I am not able to wait for the card because I was booking travel for next week. I also shouldnt have to wait 10 days as airfare increases as time passes ; if someone reads and offer to save {$250.00} today, they shouldnt then have to wait 10 days to make that purchase. The statement credit is only valid after you make a purchase for XXXX XXXX airfare.
Product: Mortgage

FCI Lender Services and XXXX XXXX  violated Federal Fair Debt Collection Act by falsifying mortgage statements and continued to attempt to collect on a debt that was not substantiated after a consumer disputed the validity of the debt. As a strategy to evade culpability, after 16 years they sold the mortgage to a Trust, XXXX XXXX XXXX XXXX XXXX XXXX, AS OWNER TRUSTEE OF THE XXXX XXXX XXXX XXXX XXXX XXXX operating as a hedge fund, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, masquerading as a mortgage servicer, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & FCI Lender Services , Inc just to name a few.
Product: Credit reporting or other personal consumer reports

TRANSUNION has violated Federal laws concerning the use of private information. TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting TRANSUNION to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an e-oscar report. If TRANSUNION isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 

Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 

TRANSUNION is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

TRANSUNION you have 3 days to remove negative unverified information TRANSUNION Commission file number XXXX ( I.R.S. employer identification Number ) XXXX
Product: Mortgage

On XX/XX/XXXX Fay Servicing received a payment from an assistance agency XXXX XXXX XXXX XXXX ) totaling {$5400.00} in response to a demand letter. The check was never applied to my account and could not be located. I called Fay on XXXX and was told the check was mailed back to me on XX/XX/XXXX because the payment needed to be in the form of certified funds. I contacted the assistance agency who promptly overnighted a cashiers check for {$5400.00} which was signed for at XXXX on XXXX. The payment has not been applied to my account. This is ridiculous and illegal.
Product: Debt collection

This debt is not mine I have no knowledge of this debt it belongs to someone with similar name