23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at XXXX XXXX XXXX. I let XXXX XXXX know that on XXXX/XXXX/XXXX Citi charged off my accounts and closed it. Citi reported the Charge Offs to all three ( 3 ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, Citi sold the charged off account to XXXX XXXX. I have never heard from XXXX XXXX, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with XXXX XXXX filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by Citi and XXXX XXXX, my credit score has gone down in the latrine. I want XXXX XXXX & Citi 's onslaught to my credit be STOPPED. Both Citi and XXXX XXXX should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Inaccurate and Invalid Account Information. 
I am writing to dispute the accuracy and validity of certain accounts on my credit report. Please find the details below : XXXX. **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts contain inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). I request that you conduct a full reinvestigation under **15 U.S.C. 1681i**. Additionally, please verify the accuracy and validity of these accounts with the furnishers, as required by **15 U.S.C. 1681s-2 ( b ) **.

Specifically, I dispute the following : incorrect balance account, inaccurate late payments, I request that you provide written results of your investigation within the 30-day time frame mandated by law and remove any unverifiable or inaccurate information from my credit file. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX social Security XXXX Would you like a tailored draft specific to one account or more details about the laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated by Equifax, with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

I have uploaded my letter. To show proof, that I have mailed this letter to Equifax. 

Equifax have violated my rights, and continue to not honor my dispute by saying they can not find this letter, I have mailed in.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS PROVIDING RENT SPREE AND OTHER AGENCIES WITH INVALID EVICTION INFORMATION. 

THEY ARE STATING THAT I HAVE AN EVICTION RELATED JUDGEMENT AND I HAVE NEVER BEEN EVICTED! THEY HAVE A CAR LOAN JUDGEMENT WITH XXXX XXXX XXXX THAT HAVE BEEN PREVIOUSLY DISCHARGED IN MY BANKRUPTCY LISTED AS AN EVICTION! 

YOU CAN NOT LIST A CAR JUDGEMENT AS AN EVICTION! THATS WRONG.
Product: Mortgage

Bayview loans holds my Mortgage. It seems they are giving me the runaround and have no intention of approving any modifications. I submitted all docs required. I meet all requirements for modification as my income was cut in half due to retirement. I am 1 month behind because of them not approving this. they turned me down once and told me to reapply, reason they turned me down they said docs were not sent in on time. have papers to prove that is a lie. Then I reapplied and sent them XXXX pages of docs at XXXX time. Underwriter should have gone over all docs at XXXX time and if anything was needed send out XXXX correspondence with any questions. Instead just like the first time they send asking for XXXX thing than 3 weeks later another thing than3 weeks later another. It got to the point they asked for the same docs twice. I sent XXXX faxes to the CEO of Bayview to express my concerns and was never answered. My bank told me that they are doing this because they have to by the Government and this is their way of avoiding this. I need someone to step up and help me. there is a lot more about what has occurred with them. I have all papers from the first time I started this till now and they prove what they are doing to the consumer.
Product: Consumer Loan

On XX/XX/2016 GM Financial was sent via certified mail a formal notice of dispute regarding the allege debt owed. On XX/XX/2016 a second written notice was sent demanding they cease and desist all collection activities pending validation and verification of allege debt owe. Both notices were received by GM Financial but they continue to harass i by sending emails and mails demanding payment without strict proof of its existence.This falls under laws of fraud and swindles. This company is in violation of federal laws and committing criminal acts against i. Furthermore the company refuses to validate the debt owed but has published with the credit bureaus deceptive, misleading, false, and negative remarks. Clearly this company does not believe in complying nor abiding by any federal laws- FDCPA and FCRA.
Product: Mortgage

I assumed the mortgage from XXXX XXXX XXXX. I have made the payments of {$570.00} there after the assumption of mortgage. I realize the the interest rate is 10 %. The Mortgage was thru XXXX XXXX XXXX XXXX then thru Citi financial and then transfered to XXXX XXXX XXXX. I have some documents dating back to where the payments were going straight to interest and payments going straight to principle. The mortgage was for payments of {$570.00}, and would have expired on XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Citi Financial has taken some action to resolve the interest rate problem from XX/XX/XXXX until XX/XX/XXXX and transferred the correction to XXXX XXXX with interest 10 % and a balance of {$3400.00} due at the time of transfer. Which XXXX XXXX has not done so correctly.
Product: Mortgage

In 2012 I qualified for a HAMP loan that was administered by CitiMortgage. Among many things the paperwork read that I could qualify for what was called " Pay for Success '' incentive. If I my mortgage current each year I would receive {$1000.00} towards my principle reduction, then on year 6 another {$5000.00} for a total of {$10000.00}. This incentive is mentioned everywhere including The Making Home Affordable Handbook. 

Citi did reduce any balance or credit me with anything. I reviewed my statements. Additionally I contacted them and they said they did and sent me a payment report that had different numbers from my monthly statements, but those did not add up to any {$5000.00} principle reduction. 

Last year my loan was sold to XXXX XXXX ( XXXX ) and they told me that any incentives must be paid by Citimortage since they were incentivized by the Gov't, but the year 6 incentive would be processed by them. 

I called XXXX Making Home Affordable but they could not help me. 
I hope I am mistaken and they followed through on their committeemen, but if they didn't there maybe others out there who need help as well. 

Thank you for your help.
Product: Vehicle loan or lease

I have submitted information to this company stating that I was a victim of identity theft. They failed to work with me but instead stated that it was my fault, regardless of the police report filed I sent over.
Product: Checking or savings account

My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license and my XXXX  XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. I used BofAs mobile app to lock both cards. Shortly thereafter I started getting notices of unusual activity on both my credit and debit cards. I utilized the mobile app again and reported the cards as stolen, I marked charges as unauthorized and I requested new cards to be mailedbut the cards never came and the unauthorized charges kept coming. My debit card has MULTIPLE transactions from XXXX XXXX and XXXX, there are charges out of state, and money being sent through XXXX XXXX  to individuals that I DO NOT KNOW. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I returned the items anyway AND I STILL HAVE NOT BEEN REFUNDED. I called BofA MULTIPLE times to get the matter straightened out ; I spoke with agents who were uneducated by telling me that they could see claims and that they would handle both my credit and debit card issues. However, I called back because I still hadnt received a new debit card and I was told because nothing had ever been filed. I have done research on some of the charges. What isnt overseas is excessive and fraudulent. There are transactions for illegal weight loss drugs, purchases overseas, transactions to store I dont have an account with. Transactions were made repetitively and BofA is playing the coward ; they refuse to give me back my money! They are telling me that I made these charges because transactions have my address on it when the reason for that is because THEY ALSO HAVE MY LICENSE. I have filed a police report and I had to buy a new license. BofA needs to stand behind their customers, someone has stolen over {$6000.00} and I want my money back!!
Product: Credit reporting or other personal consumer reports

I recognized a large amount of fraudulent hard inquiries on my report today XX/XX/year> and this situation keeps happening ; I need to find a solution as soon as possible because this situation is affecting my reputation tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states that consumer reporting agency can not furnish account without my written instructions. 15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Bank account or service

I started a Citigold checking account with Citi at the XX/XX/2016 and they promised XXXX Thank you points. When the points did n't come as promised I sent a message to ask. They replied saying the points will be available by XX/XX/XXXX. When the points still did n't come, I sent another message. They say they will look into this and reply by XXXX. Meanwhile they 've been charging {$30.00} service fee per month!
Product: Debt collection

I paid XXXX however XXXX will not remove the collection because they keep telling me the Collection agency needs to tell them the debt was paid to the original creditor. The Collections agency refuses to do so even after I sent XXXX with a copy of the payment to them. XXXX has not given me a receipt they tell me that my money orders are a receipt but No I want a receipt on XXXX letterhead stating amount is paid in full. XXXX told me I am no longer on their do not rent list I do not care, I want my receipt. XXXX or Transworld Systems need to inform XXXX that I DO NOT owe this debt.
Product: Checking or savings account

My name 's XXXX XXXX I had a Venmo account and they claimed I had suspicious activity on my account and decided in XXXX to freeze my account for six months basically cause they wanted to I asked for them to show me reason why they claimed it to be suspicious they wouldn't give any then they decide to close my account so now six months later when I'm supposed to get my money like they said I get a email saying this " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 


Hello, Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Team Venmo THIS EMAIL IS A SERVICE FROM VENMO. 
[ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a comment from lending point that states paid in full for less than agreed upon in my Experian credit report. The settlement agreement they signed states that they will only state paid in full on the credit report and that they will forgive the difference amount we agreed to settle with. I agreed to their terms and paid them the amount but after multiple attempts to get them to remove the comment they refuse to correct the statement. This has adversely affected my reporting status. Additionally they have a missed payment appearing when I missed NO payments. They claim that because the amount is less they can report this, but the payment was not LATE. It was on time and the account was supposed to be closed. This too is adversely affecting my credit. 

I want these items corrected AS AGREED UPON or I want my money refunded. Legal action needs to be taken against these predatory lenders at once.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent because I checked my credit report and some inaccurate accounts are showing up. I have no idea why these inaccurate accounts appeared on my credit report and this is making me stressed out.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. Currently, the credit bureaus have prohibited me from disputing any further. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attempts, XXXX, XXXX, and XXXX XXXX XXXX continue to verify this debt without proper validation. XXXX XXXX XXXX has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX and XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account was in dispute, they continue to reflect non payment monthly on my report. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the erroneous information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ).

Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : TransUnion XXXX XXXX, XXXX Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : XXXX XXXX Reports a 30-day late payment in XX/XX/year>. 
XXXX and TransUnion : Report a 30-day late payment in XX/XX/year>. 
Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( XXXX ) and " Closed '' ( TransUnion ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX or XX/XX/year> is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher.

15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date. 
Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment.

Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late. 
Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence. 
If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA. 
Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries made without my knowledge or permission. 

TransUnion : XXXX XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed XXXX XXXX Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed
Product: Checking or savings account

I opened up my account with Wells Fargo online, and I had an offer of getting a {$300.00} bonus with qualifying activities which were Receive a total of {$1000.00} or more in qualifying electronic deposits to your new checking account within 90 calendar days of account opening ( the qualification period ).

Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements and will deposit any earned bonus into your new checking account within 30 days. I have qualifying activities yet the bank assumes I did not do it the correct way when opening online. I opened my account online and had to go into the branch and verify my identity, Im not sure if thats potentially where the disconnect is. However, I have tried endlessly to advise Wells Fargo it must be a system error in their part. REF # of phone call via Wells Fargo Customer Service is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.