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

I called XXXX  and Transunion and XXXX  on XX/XX/2021 all to remove old accounts and also fraudulent inquiries from my credit reports. Only XXXX  did so and without any issues whatsoever. Both XXXX  and Transunion seem to not want to do their job. 
The accounts from Dept Of Education are closed from over 7 years ago and were transferred and are in good standing and the old CLOSED accounts should be removed. The Dept Of Education agrees to have them removed and also provided me with a letter stating it was the responsibility of the credit bureaus to remove them now. Also the fraudulent inquiries that were done without my consent were only removed by XXXX, and need also to be removed by XXXX  and Transunion.
Product: Money transfer, virtual currency, or money service

The previous CFPB case on fraudulent activities was closed with reference to a previous response letter.Yet, neither letter address or reference all of the scammed checks ( totaling $ XXXX ) .Further, neither letter provides information at which branch these checks were cashed, nor include a copy & confirmation that signatures were compared against a signature card. Nor did they share any further video evidence / cctv footage or answered where their security team is located in MA. 
The same scammer is still active ( shared details from another victim including police report ) and it looks like the scammer is a Citizens customer that is taking advantage of Citizens Bank 's procedures to scam other Citizen Bank customers. 
It's sickening that Citizens Bank is profiting from this very same scammer, and is not doing more to collaborate with victims to prevent this from happening.
Product: Mortgage

I paid off mortgage onXX/XX/2017, They had 90 days to return title and deed, I've called Bank of America three times. 
No can tell me when my will be returned document 's. They have had 120 days and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX and net credit accounts are not accounts I opened or have any knowledge of opening. It's destroying my credit since they are in delinquency and the XXXX XXXX is closed because i refuse to pay for something I did not utilize or have any knowledge of opening. They are fraudulent actts. And although I made a payment on them it was to keep these fraudulent a ccts from becoming delinquent and destroying my once good credit score but they were illegal and way beyond my means and. And I couldn't pay them untill the were taken off. Because I never opened them they still wanted me to pay it's so messed up
Product: Consumer Loan

Account # XXXX as reported to XXXX XXXX XXXX XXXX XXXX, XXXX To whom it may concern ; I am writing in regards to the above referenced accounts and transactions. This is not a refusal to pay, but a notice that this account is disputed. 
This vehicle was repossessed in California on or about XXXX XXXX, and resold at an unknown date. 

Under the laws of the State of CAUCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

GM never provied copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

Because GM never provided this information, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I signed up for TransUnion 's TrueID app and service and, through the app, locked my credit account as a security precaution. Within one week of doing so, my credit score dropped more than 50 points. This is despite the fact that no major events occurred. In fact, all that occurred, per the company 's own admission, is that my balances went down ( as they had been every month prior ) on my home loan, auto loan, and two credit card accounts. The company told me that the significant drop was " normal. '' However, my XXXX score ( which lists the exact same accounts ) remained unchanged and is still generally unchanged. 

I simply find it not credible that they do not somehow link my usage of the TrueID app to my score given that they can not provide any other specific reason for the score decline.
Product: Debt collection

Date unknown-not listed. Amount {$3700.00}. Company charged off the debt but never provided a 1099C to me
Product: Credit card or prepaid card

XXXX XXXX, 2021 I recently applied for the Freedom XXXX  card and was denied for the following reasons : one or more Chase cards have recent delinquency, charge-off or bankruptcy insufficient credit information. I received this information in the mail on XXXX XXXX, 2021 I want to know why they are discriminating against me? I have never had a Chase card so for them to state that I have been delinquent, charged off or another other such thing that does not appear in my credit report due to the fact that my credit report reflects the following : Account Summary as of XX/XX/2021 Balance of {$4000.00} Payment of {$80.00} Credit accounts 1 Open accounts 1 Closed accounts 0 Delinquent account 0 Inquiries ( 2year ) 1 Derogatory 0 Public Record 0 FICO XXXX Since I did this in good faith because my credit is better than good and they are denying me based on anything but what they stating I am going to assume they are discriminating against me. Remove any inquiry that you have made to stain my credit ASAP. 
They did an inquiry on my XXXX report.
Product: Debt collection

CAPITAL ONE BANK USA was reporting on my credit report from XX/XX/XXXX XXXX XXXX when I the consumer realized that they were reporting ; I had them removed from consumer agencies such as XXXX XXXX XXXX and XXXX due to them not being able to submit documentary evidence. They have been sending me debt collecting letters via mail and email till this day even when they don't have documentary evidence which they are in violation of Title 15 U.S. Code Subsection 1692c. Communication in connection with debt collection and 15 U.S. Code Subsection 1692d. Harrassment or abuse. And Title 15 also states that the creditors need the consent from the consumer in order to contact them which I never consented.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency, ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( 1 ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( li ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information/contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. " XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX Bankruptcy XXXX # XXXX Accounts : XXXX XXXX company # XXXX Accounts : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX  # XXXX Accounts : XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I requested for XXXX XXXX  account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sold my mortgage on XXXX XX/XX/XXXX. However, lender kept sending mortgage statements and reported late payments to credit bureaus. This was due to the buying bank/lender not paying off in full the outstanding balance of my mortgage on time. 

I contacted my mortgage lender ( BPPR ) multiple times letting them know about the sale but they still reported the late payments. Also contacted the buyer 's lender/closing officer and learned that they paid out the outstanding balance two months after closing the sale ( XXXX XX/XX/XXXX ). 

This adversely impacted my credit report with delinquent payments. Even though I provided the closing disclosure from the house sale and the new buyer 's deed to my mortgage lender they still reported the delinquent payments. 

My Mortgage Lender is Banco Popular XXXX XXXX XXXX  ( d/b/a Popular Mortgage ). 
Buyer 's Lender is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. My information has been compromised to include security clearance background investigation info through breaches including : the XXXX Breach, Equifax Breach and XXXX XXXX XXXX breach. 
I filed reports with police and FTC, froze credit and set up fraud alerts with the 3 credit bureaus. Prior to the one year mark, I contacted Equifax to update the fraud alert ( to extend it for another year ) and received written confirmation from Equifax that the fraud alert was updated and that they had notified XXXX and XXXX. 
After getting alerts of new activity and collections/ debts attributed to me I found that Equifax had not updated the fraud alert and it had lapsed resulting in someone opening accounts in my name. Equifax also did not notify the other credit reporting bureaus. Lesson : don't count on Equifax to follow through on fraud alerts even with a confirmation letter. Follow up after 30 days with each Credit Bureau and ensure the fraud alert is in place.
Product: Credit card

While in college I joined the XXXX in XX/XX/XXXX. I spent six years in the XXXX before enlisting in the XXXX XX/XX/XXXX. Prior to me enlisting in the XX/XX/XXXX I applied for a Sears credit card in XXXX. After during some research on SCRA and reading the blogs, I decided to apply for my Servicemembers Civil Relief Act benefits with Citibank through their Military Response Unit. I faxed my Department of Defense Manpower Data Center certification which shows my XXXX start date and my LES. On XX/XX/XXXX, I received a notification from Citibank stating I was ineligible to receive those benefits because my account was opened after my XXXX service. I did not understand the denial letter so I call the Citibank Military Response Unit. After speaking with a customer service rep from Citibank Military Response Unit, he stated that Citibank used the date on my LES to make their determination for my eligibility for SCRA not date from my DDMDC. I tried to explain the customer service rep that date on my LES is the date I joined the XXXX not the date I enlisted on XXXX. The customer rep stated that I can resubmit my documents but he does n't think I will get approve. On XX/XX/XXXX, I resubmitted my documents to the Military Response Unit to include my enlistment contact when I joined the XXXX in XXXX and my enlistment contract when I joined XXXX XXXX to show the difference in the dates and my DDMC verification. I was notified on XX/XX/XXXX I was denied again of my SCRA benefits. 
I believe I am entitled to SCRA credit card benefits from Citibank due to the fact I opened by account prior to my XXXX service. According to 10 U.S.C. 101 ( d ) ( 1 ) the term ''active duty '' means full-time duty in the active military service of the United States . I started my full time service on XX/XX/XXXX. 
Any assistance you can provide with helping me to receive my SCRA benefits from Citibank will be greatly appreciated. I have include my enlistment contracts to show the difference between XXXX time and reserve time, my SCRA certificate and the notification from Citibank.
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 XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX 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 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 ) ( 1 ) 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.
Product: Credit reporting

the credit bureau reinserted XXXX back into my file after deleting it one week prior.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX XXXX  Inquiry date- XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

In XX/XX/XXXX the mortgage loan servicer for my home mortgage changed from XXXX to XXXX XXXX. The previous 2 times my loan servicer has changed, I have not had to do anything and all the information is transferred. I have held a XXXX XXXX policy since XXXX on the property. On XX/XX/XXXX a pipe burst from underneath the house. Upon reaching out regarding the policy I was told it was canceled in XXXX due to non-payment. I reached out to XXXX XXXX and was informed that they had assigned a policy because XXXX cancelled the claim. for non-payment, despite having an escrow on the mortgage. I have received no documentation regarding any of these changes. I began to look into where this issue XXXX have began, and I started with the previous loan servicer, XXXX. They provided documentation of the letters they sent to XXXX and XXXX XXXX indicating there would be a new loan servicer. That letter was dated XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX on the phone alongside my insurance broker and XXXX stated that XXXX never received the letter ' from XXXX, which resulted in XXXX XXXX the renewal bill to XXXX ( who no longer serviced the mortgage ) and payment was never made. At this point XXXX XXXX used the escrow to obtain lender assigned insurance with XXXX. On XX/XX/XXXX I reached out to XXXX XXXX, who XXXX had indicated they had sent the second letter to. XXXX XXXX was very quick to reply and state that they would had received something like that had it been sent. 

The home has been uninhabitable while the repairs and remediation is occurring, and the new policy from XXXX has no coverage of living wages at all. The XXXX policy that I have had to file a claim with is a significantly less favorable policy, and after looking into this situation I have been left with XXXX corporations all denying any type of fault or accountability in the mishandling of the loan servicer handoff. As of now, it appears as though there was a mishandling in the processing of these critical notifications being delivered to their destination entities. The resulting cascade of events has been an absolutely nightmare and is projected to cost me tens of thousands of dollars out of pocket in addition to any remediation to make the home habitable. Additionally, I utilize this property as my primary source of income as a short term rental. This has decimated any income that I am able to generate from it, and will result in the absolute bare minimum remediation funds be dispersed by the new insurance agency that covers the home. This situation is still developing in real time, and as such updates will occur until the root cause of this issue is identified.
Product: Debt collection

I disputed a collection with Diversified Consultants which claim that I owe them {$610.00}. They have not sent me validation bearing my signature that this debt is mine and I 'd like this collection removed from all of my credit reports
Product: Credit card or prepaid card

Let this letter serve as a complaint about the XXXX XXXX. On XX/XX/2022 I, entered in the rental agreement with XXXX XXXX. I rented the XXXX XXXX car for the period of XXXX XXXX XXXX it in FL. The full amount of {$520.00} ( conformation # XXXX ) was withheld from my XXXX XXXX XXXX. I was asked if I wanted an additional insurance coverage for the rented vehicle. I explicitly refused as I have an active insurance coverage with XXXX. The XXXX XXXX representative asked me to provide him any of my credit cards to put on hold, in case of any damages to the rental car. I gave him my XXXX XXXX Credit Card. I signed the agreement that was later emailed to me. Eventually the XXXX XXXX billed me for additional {$260.00}. I challenged this charge as I refused to have additional coverage, but the company still charged me for the no provided service. I disputed the charge with XXXX XXXX and was assured by my bank that I did not have to pay the charge. However, the rental company sent me a direct bill for the amount {$260.00} trying to charge me directly. The rental company should not act in fraudulent manner and unjustifiably enrich itself for the services that have been refused by the client. I spend time trying to straight the matter out. I received the letter from XXXX XXXX that resolved the dispute in my favor however it did not stop XXXX XXXX from pursuing money from me and sent me ( XXXX ) bills directly. After that XXXX XXXX transfer this amount {$260.00} to Transworld Systems Inc. This company is a debt collector sent me already 2 or 3 letters with request me to pay this money. Plese help resolve this issue.
Product: Credit reporting or other personal consumer reports

I tendered a full payment to this company on XX/XX/2023. The tracking number for this payment is XXXX XXXX XXXX XXXX XXXX. They have not updated this account or responded to me to acknowledge that they have my payment even though the package was received and signed for. When I went to a branch, they dont even have the account listed on my report in their system. I am asking for two things.

1. Verify that account exists and a debt is owed.

2. Verify that payment was received.