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

I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM XXXX Bank. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. XXXX customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and XXXX has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and XXXX never responded. My original loan amount was {$120000.00} in XXXX now after 30 years XXXX closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX & XXXX XXXX XXXX & XXXX, such, XXXX XXXX XXXX XXXX firm REPRESENT CHASE and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


XXXX XXXX Email XXXX XXXX XXXX
Product: Credit card

I have great credit score and never been late to my payment for Credit Card and mortgage. 
XXXX I scheduled the AMEX Credit Card payment in full XX/XX/year>, the mobile payment accepted XX/XX/year>, I called the AMEX credit card company about payment and found out the banking info was setup wrong. We corrected the banking info and the Credit Card rep said that they will revise all charges once the payment made. 
XX/XX/year>, Amex returned check/declibank transaction XX/XX/year>, I repaid the full payment to Amex XX/XX/year>, Interest charge on purchases {$130.00} XX/XX/year>, I called the credit card company about disputing the interest charge due to the pervious record and rep said that the interest charge is valid and can not be disputed. Even though I went to the second line or next level, they will not able to do anything since they are using the same system.
Product: Debt collection

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXXXXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting an account on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and XXXX XXXX XXXX  XXXX has NOT removed this account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Checking or savings account

On Thursday, XX/XX/XXXX. I went to the XXXX XXXX XXXX of Citibank at XXXX XXXX  XXXX XXXX. Where I have a safe deposit box. There was a sign saying " temporarily closed. '' It suggested I go to XXXX, which would not help me as my safe deposit box is here. 
The next morning, XXXX XXXX, there was 8 inches of snow. After digging out, I called the bank to see if they had reopened. The number actually sent me to another branch. A recording said " all representatives are assisting other customers '' and referred me to a general customer service line. I waited 26 mins for a representative who assured me that she would get in touch with someone at the branch. After 18 minutes and several I need to place you on a brief hold, '' assurances, she told me she was unable to contact anyone who worked for that branch or anyone who could access that branch. That was it. 
I went back to the website because I thought that maybe someone from another branch could help. It actually referred me to XXXX XXXX XXXX where again " all representatives are assisting other customers '' and the referral to the general customer service line. I could not do this any longer. I had to get my pre-flight Covid test. 
So now I find myself leaving the country for 10 days with no jewelry, and no credit cards because they are in my safe deposit box where I thought they would be safe, not inaccessible. Fortunately, I had my passport because I had misplaced it in the house. If they were going to temporarily close the branches because of COVID 19 lack of foot traffic, why did they fail to notify the clients of this decision? How can they just hold my possessions, charge me a fee to do so, make my possessions inaccessible and fail to keep me informed? Had my passport been there, I would not be traveling tomorrow. As it is, they have put me at a tremendous disadvantage. I am carrying a large sum of cash but not enough if something really goes wrong. That is unsafe. Also, I have to deal with changing currency. All of this causes unnecessary inconvenience and hardship for me. What if I needed my deed, the title to my car, the power of attorney for each of my adult children? How is it possible that no one at Citibank has any answer for me other than to refer me to a number that sends me to a service representative that can not help? The alternative branches can not help because they never pick up the phone. Chat can not help because for this matter you need to speak to a representative. I am paying for access to a safe deposit box to which I have no access. 
I need to know when I can have access to my possessions. Citibanks behavior is unconscionable, irresponsible, dismissive.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing XXXX XXXX XXXX as 90 days late payment. This account was never late. The account was placed on auto pay. They claimed there was an issue with their system. This account should show as never been late. This information on my credit report is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I intended to receive a free credit report using XXXXXXXX. At some point during this process I was signed up for paid credit monitoring from Transunion, which I only discovered when reviewing my bank statement. I never had any intention of signing up for Transunion credit monitoring at {$20.00} a month. 

I believe this was the result of deceptively arranged fine print and/or a box located at the bottom of a webpage. There are already numerous online accounts of consumers being signed up for unwanted monthly credit monitoring via the same process. I intend to immediately cancel my subscription and seek a refund for this unwanted product.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX  {$1700.00} 2. XXXX {$2800.00} 3. XXXX XXXX {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX 6. XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX and also early warning services ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

An eviction debt was owed to a collection company IQ DATA INTERNATIONAL for {$2300.00}. The Account was paid off in XX/XX/2019. I havent received written verificaiton or reciept of payment from IQ Data international but they informed me that their system says the debt was payed and they informed the previous company of the debt payment. But it keeps showing up on my credit report and I am not able to get an apartment without paying substancial fees until this debt is cleared.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO CFPB EX : XXXX UNWILLINGLY WILL NOT MOVE FURTHER WITH MY REQUEST FOR A DISPUTE AND HAVE IT PROCESSED BECAUSE YOU FEEL AS THOUGH I AM TOO STUPID TO WRITE MY OWN LETTER. THIS IS MY THIRD REQUEST TO HAVE MY DISPUTE HEARD AN PROPERLY DISPUTED. MIGHT I REMIND YOU THE FCRA CLEARLY STATES EVERYONE IS ENTITLED TO DISPUTE WRONG INFORMATION. PLEASE VALIDATE MY REQUEST AND NOT VERIFY INFORMATION THROUGH YOUR PORTAL OR SYSTEM E-OSCAR AND JUST MATCH NUMBERS AS MY IDENTITY WAS STOLEN AND WAS TOLD TO YOU IN NUMEROUS WAYS. THANK YOUR QUICK RESPONSE IN THIS MATTER REGARDING MY IDENTITY USED WITHOUT MY KNOWLEDGE AT THE TIME.
Product: Payday loan, title loan, or personal loan

XX/XX/20 - I called Conn 's to request information about my account balance ( {$5000.00} ) and receiving a credit for an Insurance cancellation I submitted. The store representative applied insurance without my approval or informing of the process. The representative stated it takes 5-7 business days to process. On XX/XX/20 I checked online with my account and Conn 's website service only provides a current balance and payment amount due. There is no details on what is applied as principal and/or interest when payments are made. There is no payment history recorded. I called Conn 's the same day ( afternoon ) and requested my account balance ; they read a different balance ( {$9000.00} with interest ) that did not match the online website. I have the recorded call on file. They still have not applied my credit nor will they advise on a status. They transferring me around to different department/people. I asked how can I see details on my account payment history and the representative stated they do not offer this service and customers have to call each time to request a copy. I requested a copy by email, but nothing was sent. This company does not send monthly statements to customers to indicate what their account is, their online account service does not provide much detail and you have to call each time, but nothing is sent. Have to call again. Companies should provide this information to customers. We have the right to know what we are being charged monthly, where are payment is applied and other information about my account.
Product: Credit card

Staring in XXXX on or about I started with the extension of credit. 
XXXX XXXX XXXX credit limit {$5000.00} perfect payment history and then when I finishing paying the balance Synchrony closed the account for no reason other then information pulled from credit bureau. This wrought me to not see this Bank the same anymore. 
The problem is that I had approximately 8 to 9 accounts all have suffered adverse actions This has led to a conglomerate of my whole credit file. 
The following cards are : American Eagle opened XXXX closed paid and in good standing low credit availability of XXXX which changed to XXXX City Furniture opened XXXX closed XXXX Ashley XXXX opened XXXX closed XXXX authorized user because I was in need to buy a piece of furniture and so my son had suffered opening and closing of account with a reduction of credit available of XXXX down to XXXX and then closed paid in good standing Synchrony Care Credit open XXXX has suffered a adverse of credit limit from XXXX to the limit I was in with a deferred payments which hurt my usage of credit again. 
Synchrony TJ Maxx opened XXXX with a XXXX credit limit to XXXX to XXXX in XXXX it was affected by adverse action with a huge decrease in credit and it was paid and in good standing Synchrony Paypal Credit opened XXXX suffered an adverse action of reduction of credit from XXXX to XXXX which is close to limit paying as agreed and never missed any payments as well. 
Synchrony Paypal XXXX opened XXXX credit XXXX down to XXXX closer to limit affecting ratio and definately affected my score. 
They single handedly controlled my who credit profile self serving themselves to my credit which is by all accounts through a security process for identity purpose not the surveilling of file to help themselves to my suffering of my own credit. I am very upset and this needs to be seriously investigated. I expressed my concern about the constant attacks to my credit file. This has come to attention in checking my report for all the errors and information all companies think is ok to place on my report. Not even 30 days go by and they jump on negative information like its gold. No chance to dispute no questions they just help themselves amongst each other like its there credit file and social security. So now I have realized that I have unlimited credit. Synchrony has been using my credit for their benefit. The credit is not for their benefit it is for my benefit to acquire household and living expenses which also includes my health with Care Credit. Why has Synchrony used these tactics of conglomeration like a syndicate of complete control of my credit. I believe this is the only bank that has practiced this constant attacks of my credit file. I have begun reading and learning about credit and securities and this is bordering like a scheme to increase and downgrade while the real security never gets downgraded.
Product: Credit card or prepaid card

I have a credit card with XXXX 's XXXX XXXX. I have called them on several occasions I don't have the dates. The most recent interaction I had with them is XX/XX/XXXX. During this conversation I asked why the balance on my acct hasn't decreased. In XX/XX/XXXX I had a balance of XXXX I made a payment of XXXX dollars and the balance decreased by a small amount. I called then and was told the payment was mostly applied to interest. I stopped making purchases I closed the account from making purchases. I have made my payments on time and pay more than the minimum. Since XXXX of this year I have made payments totalling XXXX dollars and the balance is only XXXX. The representative I spoke with told me XXXX dollars went to interest. Then he continues to say the same ridiculous line the other have said. You signed the contract. You can pay the balance in full to avoid interest. It's the most disgusting display of a company I have ever seen.
Product: Debt collection

Hello I just recently got a change in my credit report and when I checked it was too Harvard Collections. When I called to find out more about the debt they said it's about a XXXX account. Which I explained I've never had a XXXX  account under my name/social at any time since I lived in XXXX. After that they gave me the information and I spoke to a XXXX  rep who now told me I have to basically go file a complaint through FTC and then file a police report.
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, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a listed accounts : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 or collections 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 hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.