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

My account shows as delinquent when it was not ; the company selectively and subsequently closed my account and reported this to credit bureaus.
Product: Checking or savings account

Citi Bank XXXX my account was blocked due to fraudulent activity even though I was issuing my card all day in XXXX. I called the fraud department as requested to verify it was me. Note they left me at a restaurant unable to pay my bill. I call them and they ask for answers to security questions which they say are wrong. They ask for the phone number on my account to verify ( which is the only number I have and Im on my Citi app literally looking at the number I have on file ) and they say thats wrong and they cant verify me. They said they would have to send a letter with a verification code to call back once I got it that it would take XXXX business days. I wait 10 days goes by and I havent received the letter so I call and they said there is nothing they can do until I receive the letter. Originally they said they sent it on XXXX but when I called back they changed fact of what they said and said they mailed it on the XXXX that it would arrive by XXXX. I waited till the XXXX and still have no letter so I called they stated theyve exhausted all the verification processes that I have to wait for the letter. Since all this has been going on Ive received multiple letters from them about my account and this letter never shows? Not making since. They have caused me many damages over this. I want access to my money so I can move on from this terrible bank.
Product: Debt collection

On XX/XX/2021, I sent a notarized affidavit of truth along with a cease and desist, proof of violations and an invoice for those violations to Credit Collection Services. They received the documents on XX/XX/2021. The 30 day mark is quickly approaching and I have not received nor heard anything from Credit Collection Services on what they intend to do to provide remedy for the violations committed against me as a Consumer. They have violated my rights in multiple ways which I have sent proof of and I intend to bring legal action against them if remedy is not provided. I will take silence and failure to comply or respond as agreement to my terms. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ), Credit Collection Services is liable for providing remedy for the violations.
Product: Mortgage

We have requested a pay off amount and we never received. Trying to do a short sale but company will not get back to us or give an amount that is acceptable. They refuse to return calls or emails or communicate in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 accounts 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 these items of information Any other adverse items 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, credit repair services, or other personal consumer reports

In early XX/XX/2021 I sold my lease car to a dealership I completed all the paperwork. The dealership reached out to Ally to obtain payoff amount and remitted payment. A payment in the amount of {$24000.00} was applied to the account around XX/XX/XXXX. That appeared to satisfy the balance and close the account out. Unbeknownst to me or the dealership, Ally move those funds, or reallocated those funds and debited the balance amount back to the account. No one from Ally contacted either myself or the dealership about the adjustment. A few weeks later I received an email from Ally requesting payment. I pulled up my account online and saw where the funds had been reallocated. I contacted Ally and they informed me the balance received with not the full amount needed to satisfy the loan. There had been some sort of miscalculation. I asked if they had contacted the dealership and they responded no. I asked why someone didn't contact me and I was advised that they do not have the manpower to contact either the dealership or customers and instead wait to hear from the dealer or the customer. I told them this was a poor business practice and customer experience. I advised them I would contact the dealer but that this issue should not report negatively on my credit bureaus as a missed payment as I've done everything I was instructed to do and then I was informed that they had checks and balances in place to avoid that, but in the off chance that it does it will be corrected. Consequently the dealership remitted another {$600.00} which appeared to satisfy the amount due and the balance was paid in full. I again called Ally to confirm payment and brought up the concerns about incorrect, negative reporting and was again assured it would be corrected. Several weeks later I received a letter regarding regulation XXXX, I knew something must have been reported to my credit bureaus. I checked both XXXX  and XXXX  and sure enough a delinquency was reported for the month of XX/XX/2021. I need this correction to be made immediately as I was assured this would not occur. I am in the process of refinancing my home and this has created an issue. Poor customer service.
Product: Credit card

On XX/XX/XXXX, I received a text message from my credit card company Citi of fraudulent activity on my account. I called them immediately that say, spoke to a representative that assured me that they were taking security measures, will dispute the charge and that future transactions will not go through. About 10 days later, I received another text message about fraud charges, only to realize that the representative I had called never actually resolved the issue or taken action and that I now have fraud charges totaling nearly {$1000.00} that I did not authorize or make and all from another state much further from me, in a specific location, clearly indicating that its clearly fraud. I tried to resolve this with my credit card company but its been incredibly frustrating dealing with them and they have not been able to resolve it so now Im taking action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY not mine remove it and the accounts attached FTC violations FCRA
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received results from dispute I put in for accounts that are not reporting on my Experian consumer file and apparently my credit score decreased XXXX points with out any negative reasons. I believe this retaliation for disputes that I filed. I have a right to dispute anything on my report that I deem inaccurate.

Lowering my score XXXX points is not allowing me to get credit on favorable terms. Please investigate this
Product: Debt collection

RASH CURTIS AND ASSOCIATES XXXX {$750.00} IS STILL REPORTING A COLLECTION ON MY CREDIT REPORT .... A COUPLE OF MONTHS AGO, CALLED AND REACHED A SETTLEMENT ON SEVERAL AND ALL ACCOUNTS THEY HAD IN MY NAME. SETTLEMENT LETTER CAME IN SHOWING ONLY ONE ACT NUMBER, WAS TOLD NOT TO WORRY BY RASH CURTIS THAT IT INCLUDED FULL BALANCE DUE TO THEM AND SETTLEMENT WAS FOR ALL ACCOUNTS AND IT WOULD BE PROCESSED CORRECTLY, ONLY TO FIND OUT THEY LIED AND NOW TRYING TO SAY THERE IS ANOTHER ACCOUNT I OWED ON.. THIS IS REDICULOUS, AND THIS IS FOR THE MEDICAL FEES AND SERVICES I INCURRED BACK IN 2010 HOW CAN THEY STILL REPORT THIS ON CONSUMER CREDIT .... THIS IS LIEYING AND CHEATING BY RASH CURTIS AND ASSOCIATES ... NOW I RECEIVED A NOTICE FROM XXXX   THAT THEY REPORTED 5 NEW COLLECTIONS ON MY REPROT ... FURTHER INVESTIGATION OF THESE AND CONTACTING THE ORIGINAL CREDITOR PROVED VIOLATION.. RASH CURTIS IS GUILTY OF CHANGING ACCOUNT NUMBERS, AMOUNTS AND DATE OF DEFAULT DATES WHICH ALLOWS THEM TO REPORT SAME COLLECTION SEVERAL TIMES UNDER DIFFERENT NUMBERS ... THIS IS ILLEGAL AND AUTHORITIES ARE BEING ALLERTED BY CONSUMERS TO TAKE ACTION FOR PREDATORY COLLECTORS SUCH AS RASH CURTIS AND ASSOCIATES ...
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat consumers to exploit the system, leaving users vulnerable to scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. 

-- -- -TransUnion 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: Money transfer, virtual currency, or money service

Ive had an account with chase and I used XXXX. The app would never verify the amount nor if it was the right person when sending money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds with

in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, w
hich mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have been sending information and notifications to the bureaus for months to help me with some accounts that are in my credit and they have not told me anything, they have never responded to me, not even by email. By law they must report what is happening with the case. It is unfair that I have to come to this for them to take me into account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to not only dispute inaccuracies listed on my credit report but also to question the validity of the reported debt claims. I am concerned that these discrepancies and the uncertain legitimacy of the debt claims could significantly impact my financial reputation and creditworthiness. My credit report lists the original lender as XXXX with Equifax and XXXX but XXXX XXXX with XXXX. 

Discrepancies and Validation Request : Original Lender Name Inconsistency : Issue : Varied reporting of the lender 's name across credit bureaus. 
XXXX Requested : Uniform correction of the lender 's name. 
XXXX XXXX Variability : Issue : Inconsistent reporting of the collection agencys name. 
XXXX Requested : Verification and correction of the agency name. 
Status Descriptions Variability : Issue : Disparate descriptions of the debt status. 
XXXX Requested : Standardization of the status description across all reports. 
Validation of Debt Claim : Concern : The legitimacy of the debt itself is unclear to me, and I do not recall any transaction that could have led to the reported claim. 
XXXX Requested : I formally request that you provide comprehensive documentation validating the debt, including the original contract or agreement I allegedly signed, a detailed account statement showing the derivation of the balance claimed, and proof of your legal right to collect this debt. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request a thorough investigation into the aforementioned inaccuracies and a detailed validation of the debt within the legally mandated XXXX period. Should these investigations determine that the information is inaccurate or the debt can not be validated, I expect the immediate correction or deletion of this entry from my credit file. 

I appreciate your prompt attention to this matter and look forward to your written response confirming the actions taken on these issues. 

Thank you for your cooperation. 

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

The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with Experian, XXXX, and XXXX. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.
Product: Debt collection

was notified of a collection added to my XXXX  report from a company called gravamen asset XXXX today XX/XX/XXXX for a XXXX  XXXX XXXX   account. This is from XX/XX/XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XX/XX/XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations
Product: Student loan

Initially requested proof of indebtedness, the responded with a payment history which is not proof of indebtedness. I gave my conditional acceptance statement and followed up by asked for proof that they are the holder of the original note. They responded by referring me to a link to a federal website where I can find my original promissory note. I asked that they send me a notarized letter on their letterhead saying that my note has not been purchased or sold and they responded by saying they can not provide me with what I asked for and again to refer to terms on my promissory note. The promissory note does not have my signature. 

They have been able to provide me with anything asked. All in all meaning Great Lakes is not the original instrument holder and according to truth in lending there are violations and illegal actions taking place. Only the holder of the original instrument can collect on it. 

My student loans need to be discharged immediately.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, the credit bureaus have not responded to my report claiming identity theft and they did not remove any of the accounts nor did they validate them and they definitely didn't block them 4 days after receipt of my report per FCRA 15 U.S.C 1681 C-2.
Product: Debt collection

My doctors office turned me over to collections in XXXX ( Eagle Accounts ). I made a payment in full upon finding out to Eagle Accounts. When visiting the doctor previous appointments I paid my copay and I was not told I even had another balance. I paid Eagle Accounts XXXX/XXXX/2016 in full and as of XXXX/XXXX/2016 they had yet to report payment or send payment to my doctors office in which I was told when trying to make an appointment that my account had been terminated due to non payment. I sent the doctors office proof of payment and I am waiting for Eagle Accounts to confirm. It has been 7 months and this has not been resolved on my credit report or doctors office.
Product: Credit reporting or other personal consumer reports

I asked for debt validation. They did not validate the debt by saying they made unsuccessful attempts to reach me by mail. Where is the document proving I owe the debt. Where is the original contract lease along with itemized bill for the usurping of fees they are charging me. If they cant provide debt validation please promptly remove from my credit report. If anyone goes against what is lawfully required then further legal action including monetary damages will be pursued.
Product: Credit reporting or other personal consumer reports

Lincoln technical institute will not remove negative report credit report from my credit profile causing irreparable damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of Equifax. For some odd reason, Equifax is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to solve this problem in my own. A XXXX balance continues to be reported to XXXX and XXXX. It was disputed many times. Diversified Consultants says they have submitted updates to XXXX and XXXX that the account has been paid in full. XXXX and XXXX continues report that they have verified XXXX as the correct balance when it is n't.
Product: Money transfers

Hi I have been having major issues recovering my money back from google Inc . I and my bank on at least 10 calls to Google on 3 way been trying to recover my funds from them. I filed with my bank because google was contingent to take money from my bank even after being told to stop. I filed XX/XX/XXXX and then my bank gave me my money back. Then google asked for a reversal of my money and then claimed to have sent it back. So my bank and visa did an internal investigation and it came out google lied to me and to my bank pnc. We have tried to call and then google claims they sent funds on XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX and in which all was a lie. I also filed with attorney general in California and google claimed to have sent XXXX in which my bank verified this was a lie. Then google not only lied but stole XXXX from my credit card and my bank account. And are refusing to give the money back. I just like any other person needs there money. So I from XX/XX/XXXX till now have contacted them to get no real response. My bank can verify that I have tried everything on my end but google are living about sending my money back. Then they gave me XXXX reference numbers XXXX and XXXX which my bank claims it is not a real number but something made up by Google. The case number is XXXX that XXXX a Google supervisor claims to have sent a refund of 120 days. The problem is that I filed complaints when it happened and my bank even says that wont cover half of what they owe me which is more then XXXX. But then they wo n't issue my money back after stealing it from me in the first place. So I am asking for help to recover my money. They have talked to me and to my bank on recorded line and stated they sent a refund when in fact they did not. So my bank told me to file with you until I file a Lawsuit.
Product: Credit reporting or other personal consumer reports

Capital One is reporting on my XXXX Credit report that an account is " Account charged off. {$7100.00} written off. {$7100.00} past due as of XX/XX/year>. '' This is inaccurate because according to the IRS Cancelled debt ( charge off and write offs ), one must report any taxable amount of a canceled debt as ordinary income. 

Since this is income that I need to report to the IRS on my income tax, this shouldn't be reported on my credit report as a collectible debt since Capital One already took a tax write off for this. Therefore, it's an inaccurate reporting as " charged off and written off '' and it should be removed from my XXXX credit report.
Product: Debt collection

i logged in to my XXXX XXXX and it said i had a collection message and its from XXXX XXXX XXXX XXXX XXXX XXXX but i dont even live in oklahoma and i didnt set up an account with them so i dont know how i have unpayed bill
Product: Prepaid card

I was given a {$100.00} Vanilla Gift Card from my parents on XX/XX/. I immediately put it in my purse. It stayed in it's original packaging not touched until I went to use it in late XXXX. It got declined, so I went on the Vanilla website and found that the funds had been used in XXXX. I called Vanilla to file a dispute and they have done nothing to fix the problem. There's no progress being made. I looked up what others have said about this happening to them and, while this seems to be an EXTREMELY common occurrence, it was also the consensus that they don't actually refund anything until CFPB is involved.
Product: Checking or savings account

I received card from cash app that I did not open. Can not get hold of person to close account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a an inquiry listed on my credit report that I didn't authorize from One Main Financial. One Main services are misleading. The website states you can check a rate without impact to your credit report which is clearly misleading. I never authorize one-main to run my credit dated on XXXX. Unfortunately the ran my credit without my permission.