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

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents, so I may review to see if this is actually an account that belongs to me. 
XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$660.00} XXXX XXXX {$9200.00} Experian XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$400.00}
Product: Money transfer, virtual currency, or money service

I send money from Zelle but apparently someone hacked the account of the person I sent the money.
Product: Checking or savings account

On XX/XX/2020, Citi sent me a letter saying they would be closing my accounts on XX/XX/2020. They specifically stated, " Your account will close on XX/XX/2020 and any Citibank ATM or debit cards for this account ( s ) will be canceled 5 days before. '' On XX/XX/2020 I attempted to withdraw the funds from my account and received an error. 
I attempted the same again on XX/XX/2020, and got the same error. 

I called Citi at XXXX seeking clarification and to resolve this issue. 
I spoke to XXXX and asked why I could not transfer funds between my Citi accounts. XXXX said the Business Support Unit put the block on the account. And that while there was nothing she could do, she would transfer me. 

She transferred me to XXXX at XXXX. XXXX said there was a soft block on the account placed by the branch and no funds transfers would be honored. XXXX said to call a branch because she did not have access to the block. and put me in touch with the closest open branch to me which was 278 miles and 4 hours away from me in XXXX, FL. 

I spoke with the branch manager there named XXXX. She put me on hold for an hour only to let me know there was nothing that could be done. But if I called XXXX they could help me. XXXX is the phone number of a California cable company. I tried speaking to a fourth Citi representative named XXXX, but was told the same thing, nothing could be done. 

This is a clear case of a bait and switch and Citi acting in bad faith. After explicitly saying, in writing, the account would remain open until XX/XX/XXXX, and asking me to withdraw funds before then, they blocked the ability to do so and are currently holding {$270000.00} of my funds XXXX. 

I repeatedly communicated with 4 different Citi representatives over the course of 3 hours on the phone trying to explain that they committed in writing to closing my account on XX/XX/XXXX and they asked me to withdraw my funds before then. 

I had initiated external payment requests because of their written representation. I repeatedly mentioned that if Citi held the funds, and denied the external payments requests I initiated, there would be significant financial damages sustained by me because of Citi 's clear example of bad faith by committing in writing to closing the account on XX/XX/XXXX, but then locking my funds on XX/XX/XXXX. 

Each day I don't have access to my funds, the damages are further increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car financed through Santander and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both Santander and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
Product: Credit reporting or other personal consumer reports

I have not had an updated credit report since XX/XX/year> i get errors saying Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. or that I dont have enough info for credit report which I know is wrong. Ive even tried to update my new address and still nothing Ive cont aged them several times and they act like they dont know whats going on Ive even sent them documents of my new adddesss and identity verification still no credit report. Ive tried applying for credit cards and they pull experian and Im denied because they say they arent able to pull my credit report from experian
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 XXXX  days before the payment due date. 

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 XXXX  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

i am writing to informally request the removal of certain inquires from my credit report that i did not authorizes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My husband and I both received letters from AFNI, both letters dated XX/XX/XXXX. Both letters stated we are liable for payments paid out on an insurance claim from XXXX XXXX, from a chain XX/XX/XXXX. 
I responded with two letters ( one for my husband and one for myself ) via certified mail asking for validation of the debt. On XX/XX/XXXX, my husband received another letter saying we are liable for such debt and the letter had no validation included, even thought the letter says " please review supporting documents '', the document was a form they wanted us to fill out asking for our insurance information. 
I proceeded to send yet another letter XXXX, asking for debt validation. Today XX/XX/XXXX I receive the same letter with no validation of debt. 
I am sending a letter back via certified mail disputing such debt as they can not vadliate the debt.
Product: Checking or savings account

Called the Wells Fargo online fraud claims center and spoke to representatives who stated that I filed claims but yet I never received the claims or money. Theyve been stealing money and reporting the refunds then rerouting it to their accounts again and again.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I sent {$820.00} via Money Gram under the name XXXX XXXX. The money was intended for XXXXXXXX XXXX XXXX  but instead went to XXXXXXXX XXXX. I do not have an account with XXXXXXXX XXXX. I called Money Gram the first week of XXXX to attempt to rectify the situation and was told that it would take up to 10 days to be contacted about rerouting the funds. After not hearing from them, I called back on XX/XX/XXXX and was provided a case number for the first time ( XXXX ) and again told that I would be contacted in 10 days. I still have not been contacted. I have also attempted to contact XXXXXXXX XXXX and have been unable to find corporate contact information.
Product: Debt collection

A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for XXXX. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
Product: Checking or savings account

On XX/XX/2022 my tax deposit for {$2200.00} was taken from me by Navy Federal do to a fraud and a possible data breach within Navy Federal. 

I needed those funds to purchase food and pay to pay my bills. 

Navy federal was already aware of fraud on my account and Still took my much needed funds. 

Ill be filing a lawsuit against Navy Federal because I was not the individual who overdraft my account in the first place. 

I spoke with the fraud department numerous times and they reassured me that I was not liable for the fraud on my account. I also dont understand how my account was overdraft when I didnt even have overdraft protection. Ill will be taking this matter to the supreme courts to shed light on this horrific event at this institution. 

Ive kept records to validate and furthermore prove my case.
Product: Debt collection

Months ago I was looking at hotels in XXXX due to an emergency with my previous lodgings. 

I needed a unit for a for that night which at the time was XXXX. I looked at XXXX, i was going to purchase a room. While in this transaction midnight had passed and the system confused itself with the purchase. When I went to the hotel, which was 40 minutes away. They did not have my lodgings and said the hotel was fully booked. 

I called XXXX, they refused a refund. I called my credit card to dispute the charge. They confirmed it was fraudulent after a few months. I had to sleep in my car that night after driving from XXXX to XXXX for a new job. 

They have now sent me a collections notice. This company is harassing me over an issue that is completely their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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. 


( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus Experian and XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX. They never noticed me of putting the fraudulent account on my credit after they deleted this fraud two years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already 2 years ago.XXXX XXXX XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on Experian, XXXX and XXXX XXXX this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and XXXX XXXX Identity theft and my consumer rights.
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 XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  - XXXX - Please delete this item immediately. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Trans Union, XXXX, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate.
Product: Mortgage

I purchased a home for $ XXXX in XXXX. I put down a considerable amount leaving me a mortgage balance of $ XXXX. I am on XXXX retirement from the USPS. 
In XXXX-XXXX, I began to contact B of A to see if I could have a loan modification as my wife lost her job, her mother, who lived with us after my daughter was born in XXXX, had passed away. From this time till XXXX, B of A gave me the runaround! I had several employees who were my workout representative and after a new employee was assigned it seems that I had to re-fax in my paperwork and Hardship Letter all over again. I kept notes with dates, whom I spoke with etc.. 
I was actually told that they could not do anything because I hadn't missed a payment yet! 
So now payments were missed in XXXX continuing into XXXX. We had to turn in my wifes ' vehicle, sell furniture and other items just in an attempt to make ends meet. 
I received " foreclosure notices, '' and eventually had to file a Chapter XXXX, in XX/XX/XXXX, because we couldn't meet all the bills and the mortgage. 
Obviously, our credit was shot and FINALLY, B of A approved a loan mod for us. However, this loan mod was not the best by no stretch of the imagination! The interest rates at that time, in XX/XX/XXXX, were very low hovering around 3 %!! My balance at the time this all began was {$220000.00} at 5.875 %. So, in their infinite wisdom gave me a loan mod at 4.625 %, with a hefty balance of {$230000.00} ( adding in missed payments ) and the new term is 40 years!! Are you kidding me??!! 
Presently, I am making payments but there will be a time in the very near future where I may be  unable to meet my payments again. 
I would like to see an adjusted balance or some hefty compensation for B of A dragging their feet, actually informing me to miss payments and then forcing us into a Chapter XXXX. I hope something positive comes of this. 
I have my detailed notes, even some telephone recordings, as I am allowed to do in AZ. They made our lives very stressful to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, 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 a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX sold my account to Credit Bureau Systems without my written permission or knowledge.
Product: Money transfer, virtual currency, or money service

I was on my brothers messenger app. A family member was saying she got help from a government agent for a grant. Realized scam when they kept asking for money. I asked personal questions that only the family member would know and they changed the conversation.Contacted bank and cash app and was told I willingly sent the money. Neither could tell we who received the money even though my bank has a sign saying they verify.