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

I am complaining about both XXXX XXXX XXXX and Transunion. I have disputed this account 3 times, but Transunion says the account was verified. I have sent in an entire package basically of proof as to why I do NOT owe the amount of money they are claiming I owe. If they are just calling and asking the company is that is the amount owed of course they are going to say yes. They have not investigated anything because I have literally sent them proof, and they are still stating I owe that money. The amount they claim is owed is {$7600.00} and it is from XXXX XXXX XXXX. They are charging me extra money I do not owe and on top of it they are charging me for things that were broken when we moved into the place, and I have the workorders to prove I requested those things be fixed. How is it that they are charging me for things that were already broken before I moved into the apartment. I had to move because they refused to fix a roof leak that ended up causing mold in my apartment. They were aware of the problem the entire time. I choose to withhold rent for the month of XXXX and paid it to the courts. They say I owe XXXX, XXXX and XXXX yet I paid XXXX to the courts and was only there till the XXXX of XXXX but they're charging me a full month and the month that was already paid to the courts. Just the rent owed doesn't add up. They are saying almost {$5500.00} was owed, my rent was only {$1200.00} a month, if you multiply that by 3 months which they say I owed it is {$3800.00} so how did they get a total of almost {$5500.00}. Yet Transunion is saying they verified what was owed and it was correct. It makes absolutely no sense when I have proof that was sent in showing the amounts they are trying to charge me are inaccurate. Also, I have proof of how they added the " move-out statement '' of amount owed AFTER I signed the move out paperwork, so I did not see it till a year later when this popped up on my credit report and I asked the apartment why I owed that amount and that's when they emailed me the statement they had. It clearly shows at the bottom of the pages the dates and how that statement was added the next day. If I had seen that paper, I would have not signed it because I would have never agreed to it.
Product: Checking or savings account

I deposited a check from closing precedes 8 days ago. I noticed the the receipt said availability on XXXX. I called the bank and I was told they needed to review the deposit for 24 hours. I do not have any money. I sold my house and all I have is my car. I called several times and explained this. I have also gone to the bank to provide proof of funds by showing the closing documents.
Product: Debt collection

Hillcrest Credit Agency has inaccurate information on my credit report and ignored my dispute that request them to remove this false information
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumers Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX, I called first citizens bank to ask about fees of receiving a domestic wire. At that time, I was told that the fee would be XXXX for such a transaction. 

Therefore, two weeks later, I transferred funds from my brokerage account to my checking account through wire transfer. However, I was charged a {$16.00} fee. I tried to resolve the problem with the representative over the phone, and a supervisor told me she will listen to the phone recording within 48 hours and return me the fees if the representative did give me such information. Two days have passed and I still did not receive any feedback, so I called the bank again asking for update, but the supervisor was not available and the representative says she could not see any further information. 

Today, I was notified by the bank that they closed my account because I moved large amount of money too often with my business account. But as I am running an asset management company, it is very understandable to be moving money among different stock brokers through my bank account, and the type of business has been disclosed to the bank when I opened the account. The amount I transferred is roughly $ XXXX, which is tiny in the asset management industry managing millions or billions of dollars, so the reason does not really make any sense. I suspect it is because the bank knows the representative told me wrong information and punish me for normal business move. Meanwhile, still no one has reached out to me regarding the fees that the bank charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, Absolute Resolutions Investment add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Absolute Resolutions Investment has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

3 different collections was placed on my credit repost from this company all opens on the same date and also the same account number. I never had any dealings with this company and this is not my balance owed. Dropped my perfect credit score tremendously.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I am a victim of identity theft and I have been receiving death threats, threats of legal action of being sent to jail and prison, harassing, obscene, profane and abusive language from Capital Managment Services, LP in regards to a fraudulent XXXX credit card account and a debt of {$14000.00}. The XXXX credit card account and debt is fraudulent and not my account or debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple credit disputes to XXXX, Transunion, and XXXX in regards to a student loan balance that's showing on XXXX. This consolidated student loan was supposed to be completely forgiven, all payments returned, and removed from my credit reports by XX/XX/2024 as outlined by the XXXXXXXX XXXX XXXXXXXX settlement agreement but XXXX refuses to remove the balance. When I communicated this to the credit reporting agencies with the evidence that shows it should be removed from my credit they refuse to remove it from my credit report stating that the debt is correct.
Product: Debt collection

In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is Midland Credit Management , Inc . They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that Midland has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes Midland has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX Account has # XXXX has violated 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 a account without my written consent.

Also in violation under 15 U.S. Code 1681i ( 5 ) Removal of Credit Information and 15 U.S. Code 1681e ( b ) Compliance of possible accuracy. 

DEPT OF EDUCATIONXXXX Account : XXXX
Product: Debt collection

I am disputing and urgently requesting the removal of several fraudulent entries from my credit report. Upon contacting the associated banks, they confirmed the validity of an identity theft report and assured the removal of the accounts. The misinformation in my credit report is a clear violation of compliance with the law, stemming from inaccurate or incomplete reporting. I demand immediate correction and removal of these fraudulent accounts from my credit report. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED 7XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXXDEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and Experian is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also XXXX different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Product: Checking or savings account

On XX/XX/2023 I attempted an online transfer money from my Citi Accelerated Savings to my personal checking, then close the account. The transfer was denied. I then called customer service, who instructed me to open a checking account, transfer the money from saving to the new checking account, then XXXX  XXXX from the new account to my personal checking. After establishing the new Citi checking and attempting the XXXX  XXXX, I was not permitted to do the transaction. I called Citi and spoke for XXXX hour and XXXX minutes ( XXXX call transfers ) and they concluded I can not transfer my money nor close my account. The last person I spoke with simply said " you'll have to find another way to get your funds. '' I then asked to be transferred to someone else, upon which I was told to call the number on the back of my ATM card. I repeated the request 3 times, and was not permitted to be transferred. So, there is currently over {$400000.00} stuck in my new Citi checking account for which I have no access.
Product: Debt collection

Citi is contacting me daily ( sometimes multiple times per day ) in an attempt to collect a debt that has been paid. I sent payment in XXXX and they have cashed the check. I have sent them a copy of the check yet they still call me every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my TransUnion credit report, I found out that Trans Union has been including reports made to it by a company called XXXX since 2015. XXXX is currently reporting that I have an outstanding amount of {$710.00} due to its company and that the status of the account is " charged to profit and loss. '' XXXX is absolutely not a legitimate company. They are not licensed by the Florida Office of Financial Regulation to act as a consumer lender, nor are they a federally-chartered bank. The State of Florida  declares loans made at an interest rate greater than 25 % to be considered loansharking or usury and is a third-degree felony. This can be verified here : XXXX XXXX XXXX  XXXX charges interest rates in excess of 500 % annually. The company is operating illegally and in contravention to Florida law. I 've disputed the account to Trans Union already, and XXXX verified it as accurate. I can not see how it is possible that TransUnion allows an unlicensed, illegally operating entity to report information to it -- information which it then incorporates into reports it sells to third parties.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have 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 reporting 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. While reviewing my records, I noticed several files that do not belong to me. Upon further investigation, I discovered that under Section 605B of the FCRA, you are legally required to remove and delete these items that have been opened as a result of identity theft. The disputed items are not mine. I am attaching the necessary FTC Report, along with the bank 's records, which I learned are required by both parties. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX : {$17000.00}
Product: Debt collection

XXXX. Newrez has not provide by mail the XXXX form XXXX. Newrez has not mailed out any mortgage statements since XX/XX/XXXX. 
XXXX. Newrez accepted a payment in the amount of {$300.00} but has not applied to the account. 
XXXX. Newrez with the XX/XX/XXXX mortgage has now charged a late fee because I have not paid the additional forced-placed flood insurance. SEE Complaint : XXXX and XXXX XXXX. Newrez on or around XX/XX/XXXX received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX home 'comprehensive ' ( FLOOD fire water,,, ) policy for XXXX fully paid, and was sent via email to XXXX. 
XXXX. Newrez has requested an additional XXXX to resolve complaint XXXX. That is unacceptable given they have had since XXXX to current to resolve the issue. 
XXXX. XXXX with applying payment to the mortgage principle & interest with start foreclosure proceedings. 
XXXX. This will make a XXXX XXXX  old XXXX senior homeless. 
XXXX. This will secondarily ruin my credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to correct the late open and remove the collection accounts on my credit report. Despite our previous attempts, I regret to inform you that this issue still persists. The presence of a late open accounts and collection affects my credit score and raises serious concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. Please help me correct these late open and remove the collection accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors.
Product: Credit card

I gave them an application for credit and they took my information and did not return the credits or give me collateral.

15 U.S. Code 1691 ( a ) - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction This is also securities fraud because they are trading my note on the secondary market.

According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Union 1 Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX Mortgage Solutions Mortgage Brokers XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX