23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 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 refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). 
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.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

CSC LOGIC inc, XXXX XXXX XXXXXXXX has several contact phone numbers on the statement. Two numbers placed me into, respectively, a survey about whether the XXXX are a good place to vacation stating that participants might win a free trip, and an offer for a " free '' {$100.00} shopping certificate if I paid {$4.00} shipping. In both cases there was no option to skip the advertisement. If I refused to answer the company hung up on me. I tried to open an online account to get information off the website but the statement did not list the site code required to open an account. In the end I called the collections number. When I told the collections rep I was filing a complaint with the CFPB she answered my questions about interest rate and calculations. She told me the number with the ad was the actual customer service department. I had called because two payments were reversed and reapplied with significantly higher interest amounts.
Product: Credit card

On XX/XX/XXXX I received a notification that my credit card was used to make a purchase that I did not make. I immediately within an hour notified the credit card company ( Barclays ) of the fraudulent transaction. They cancelled the card number and issued me a new card. On XX/XX/XXXX I received a letter from Barclays saying the merchant disputed the claim. Barclays applied the transaction to my new card. I called Barclays and they said they opened the investigation on XX/XX/XXXX ( 33 days after I reported the fraud ). I called the merchant and they acknowledged the use of my card was fraudulent and they did not properly vet the use of my card. Barclays still refuses to remove the fraudulent charge from my account. I have made several phone attempts with Barclays but they refuse to do anything to resolve the issue. I also filed a police report with the XXXX CT police for the identity theft and fraudulent charge. The police report number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

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

I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report.

15 U.S Code 1681b permissible purposes of consumer reports
Product: Mortgage

I had a mortgage loan with XXXX XXXX Mortgage bank. The monthly amount I have to pay was {$1300.00}. This is made automatically every month. This bank was bought by MB Financial Bank on 2014. This bank raised my monthly payments to almost {$1500.00} without consulting or asking me about it. Even though I have make automatic payments every month, MB Financial is saying my amount due is about {$9000.00}. As you can imagine, the bank is not considering my monthly payment, so what are they doing with the money is deposited automatically? 
It is my primary residence and I am afraid of loosing my home. 
I tried to work with another bank to change my lender but they denied because the debt with MB Financial.
Product: Mortgage

Hi, I have been in contact with Truist for the last two weeks trying to access my online banking in order to make changes to my mortgage payment and access needed documents to file my tax return. I have spent over 16 hours on the phone with Truist and they are unable to grant me access to online banking and can not make the changes to my mortgage payment, which benefits them. I would like to increase my principle payment.

I have asked to speak managers each time and have been disconnected when I ask to do this. 

I am beyond frustrated and I think it is criminal they are denying me the ability to increase my principal payment on my loan. 

Cheers, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/24, I contacted PayPal to advise that I did not receive my entire order from XXXX that was placed on XX/XX/24. The order was missing the dessert that I ordered ( an oreo cheesecake slice ) and I even placed a XXXX complaint as well on XXXX regarding this on the same date also. I tried to get XXXX to correct the issue, but they refused so I was depending on PayPal to correct this grievance since I used their method of payment as payment for the transaction. Paypal provided a temporary credit of {$6.00} and told me that they would complete an investigation. I just received notice today that they have completed the registration and are denying my claim and siding with the seller XXXX. As a result, they are making me repay the {$6.00} that they gave me back as a provisional credit because the merchant provided a confirmation # saying the items were delivered. This was not a thorough investigation as I have proof that I contacted the merchant about my missing order and they denied refunding me which prompted me to contact Paypal in the first place. They gave me no opportunity to refute this decision and as a result I am upset and disappointed as a customer as they did not thoroughly investigate this claim. XXXX was/is trying to make me pay for an item that I did not receive which is fraudulent activity and I was depending on PayPal to properly correct the issue but they did not.
Product: Debt collection

See attatched USAA Collection Letter of XX/XX/XXXX Account ending XXXX. I DID NOT OPEN THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been re_aged by portfolio recovery agency. Same account number different dates. This is highly illegal and I request it to be removed immediately. A letter is to be sent following removal.
Product: Vehicle loan or lease

Car company sold account and they reposes the car and set up my payment or loan amount like it was never paid
Product: Student loan

My loan was as of XX/XX/XXXX was at {$9500.00} ( for XXXX in XXXX FL, was not listed ). My monthly payment due was {$67.00}. Every month to date I send in {$100.00}, and payment has been received on time since XX/XX/XXXX. 

Last week when logging in to my account I noticed my balance is now {$12000.00}. 

When I called to find out why my loan amount had went up, they told me that my interest capitalized do to not renewing my deferment plan. 

However I was also told it was time to renew again due in XXXX. 

So I stood confused as of to how did I get on a new deferment if it had ended. 

The deferment was for the XXXX so shouldn't my monthly payment have just increased to the regular amount had that been the case, being that I send more monthly? 

No one seemed to be able to answer my questions clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I received a signed letter from XXXX  XXXX the District Manager of the Bankruptcy Court of XXXX stating that they do not furnish information to the Credit Reporting Agencies. She clearly stated that you can access the information for a fee of XXXX} on the XXXX  website or you can use the public terminal at the courthouse free of charge. 

On XX/XX/2021, I got results back from CFPB Case # XXXX in which I disputed this same bankruptcy with XXXX who is the vendor to all three major Credit Reporting Agencies . The results were this : Our records show on XX/XX/2021 and XX/XX/2021, XXXX XXXX also contacted the XXXX Consumer Center directly, in which he wanted to dispute the reporting of the same bankruptcy record. 
Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/2021 If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX
Product: Credit card or prepaid card

American Express sent me to collections when I opened a dispute over a returned door. A year later they reopen my account. Add new finance and late charges. Then a few months later resend it to collections. Running up my bill. 
Making a payment on my XXXX business card ( AMEX ) @ XXXX was impossible. They can pull up much personal account but never able to put payment on business card when at the store. AmEx turned this over to collections in XXXX and referred me to them when I tried making my payment. 
I had purchased a door, returned it on XX/XX/XXXX and have the receipt. A few weeks later I asked about my account, a lady looked it up and informed me there was {$0.00} owed. So I thought it was paid off. Maybe she had my other account? Come to find out the associate put the refund on a store card ( gift card ) not on my American Express. When I found the receipt showing my return I saw it was to a gift card. I emailed lowes and opened a dispute with American Express when XXXX never responded. AMERICAN EXPRESS said account closed cant accept payment due to collections. Paid collection XXXX, Amex reopened and sent to collections again. This time a different company in XXXX. AMERICAN EXPRESS wont give me name of original collection agency. Service rep at American Express could not tell me why it was re open. They also could not tell me why there are new interests are for this period nor did they tell me to why there are new late fees and derogatory marks on my credit every month for an account that has been closed for 2 years and turn over to in credit agency twice. This is fraud on behalf of American Express. They had in XXXX and XXXX sent me to the collection agency to make payments instead of taking my payment. Now they have tripled what I owe and sent it to collections again. 
They got paid by the collection agency. Now they want payment again?
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The above referenced company is reporting an outstanding loan in the amount of {$2000.00} with an original creditor XXXX XXXX. I have never requested or acquired this loan and have no idea who XXXX XXXX is. This collection appeared on my credit report as of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX Unauthorized Hard inquiries XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Citibank 's Internal System is defective and does not work.=- THEIR MANAGERS ARE DIRECTLY SABATOGING THEIR OWN SYSTEM AND YES I HAVE PROOF VIA EMAILS OF OVER 1 year from the branch manager - 1 year ago they closed my account. The regional manager said that it was because " their system didn't like my company name '', this was after 6 months of the account opening. 

Manager told me to " change the name and reopen a new account ''. - I compiled. 

Last XXXX I went online and my personal account was closed and ALL THE MONEY WAS TAKEN OUT. 

-- I immediately called Citibank back office. 4 hours on phone they told me I had to go into my brach to get my money. -- - I complied and went into the branch whereby I was told " there is no one available to talk to me for the next 2 days to call the back office to get my money sent via check ''. 


I got the branch and regional managers personal email address, so I setup a recurring email to email them weekly from XXXX to now ( XXXX ) asking when I will be receiving my CHECK. the only reply I received was ONE EMAIL stating " CALL ME ''. - I complied and called over 50 times, the branch directly just rings and rings than it connects to their back office. I have notes and proof of everything. 

today I woke up and logged in and ALL OF MY COMPANY AND INVESTMETN ACCOUNTS ARE CLOSED. I received NO notice, NO letters, AND ALL OF MY MONEY IS MISSING!! 

what I believe happened is Citibank changed my mailing address without permission and I do have PROOF OF THIS VIA EMAILS WITH THE BRANCH MANAGER! I am very concerned bc no one at the branch knowns anything, ALL MY MONEY IS GONE, AGAIN!! 

I NEED MY MONEY BACK RIGHT AWAY AND I STRONTLY SUGGEST YOU REVOKE CITIBANKS RETAIL BANKING LICENSE, THIS IS PATHETIC THanks so much
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, XXXX, and Experian. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for TRANSUNION - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from TRANSUNION since the Dispute response for XX/XX/2018
Product: Debt collection

I asked for documents the date they gave me was not XXXX  the dates they gave me I was in XXXX was no way I opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

reported fraudulent inquires in XXXX XXXX and they were not removed List of inquiries : XX/XX/2021, XXXX XXXX AT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an apartment with XXXX XXXX Apartments ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from Lexis Nexis.credit Bureau that the information pulled from was XXXX. On XX/XX/XXXX I placed a suppression and freeze on all Lexis Nexis files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Debt collection

I have an account with TD bank. I make monthly payments for an outstanding line of credit. On XXXX I had an automatic payment set up but do to a computer error at the bank the payment did not come until XXXX, one day late. I contacted the bank and they advised they would pay the late fee so I contacted TD bank customer service to set up a payment for my other bank. I was told by a representative that because I was a valued customer the supervisor could remove the late fee. When the XXXX bill came the late fee was doubled to {$80.00}. I contacted the company two times in XXXX and was told a supervisor would contact me in 3 days ( they never called me ). In XXXX the late fee had become {$120.00} so I called 5 times during that month 3 times I will told someone would call me and on the fifth call I was told to dispute the fee and everything would be on hold until the claim was resolved. Over the next 3 months the late fee went up every month and no one ever contacted me. I even went into a TD bank location and was told they could not help me. I was forced to pay XXXX in late fees and they still attacked my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted XXXX XXXX XXXX regarding the charge off credit card for {$5900.00}. I was informed that my account was closed and they will not conduct an investigation to validate my request. When I pulled my Transunion credit report, I noticed that the account is reporting as open. As per the Fair Debt Collection Practices Act, the account with the incorrect status should be removed according to The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Billing Act ( FCBA ).
Product: Debt collection

On XXXX XXXX I received a letter from ACI ( American Coradius International ) stating that they are contacting me about an account with XXXX that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting XXXX as well as this company, to no avail. I do not have a XXXX account and I do not owe them any money.
Product: Vehicle loan or lease

I paid off my car loan early. I am trying to receive the title for the vehicle before I move to another state. The loan company Hyundai Finance is not submitting the lien release notice to the XXXX so that I can get a title and every time I call to talk to someone they say it will take a different amount of time to get processed. It is an electronic title and should not be difficult to release but Hyundai Finance is doing nothing to help me and can't even get me consistent information on when I can expect it to be processed. They are impossible to deal with and are not processing the request as stated on the website of 5 business days maximum.
Product: Debt collection

In an attempt to contact RGS I requested Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not sent to me. This unverified debt does not belong to me if it cant be proven that it belongs to me.
Product: Checking or savings account

On XX/XX/XXXX around XXXXXXXX XXXX, at Santander Bank located in XXXX, MA, while making a cash deposit of XXXX {$1.00} through the drive thru, the ATM took my money as usual and then it just canceled the operation with out any reason. No paper or receipt was printed. I immediately went to the branch, in the same location, and spoke to the teller who advised me to call customer service and file a complaint. I am frustrated by the delay because the deposit I was trying to make was intended to cover payments that were not made because Santander did not release any money into my account while they carry out their lengthy investigation. 
ATM ID : XXXX Transaction XXXX XXXX XXXXXXXX Claim Case ID XXXX XXXXXXXX