23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I sent a letter requesting debt validation to Meade and Associates, a debt collection company. The original creditor is XXXX XXXX in XXXX, Ohio. I received a response back from Meade and Associates on XX/XX/XXXX with a statement attached to their letter demanding {$3100.00}. I noticed on the statement alleging that there were two columns - one for 'Debits ' and one for 'Credits '. There are items in the debit columns that show money owed to the school. However, on the last page of the statement, it shows on XX/XX/XXXX as the date that the last account activity occurred. Then on XX/XX/XXXX there is an 'account adjustment ' that appears out of the blue in the credits column in the amount of {$3100.00}. This would appear that I am owed the {$3100.00} or that the account was credited in that amount. I have serious reservations as to what this charge is for as it appears on the account, out of the thin air almost 16 months later. This seems like it was more of an 'account adjustment ' to put a little more coin in their pocket. Meade and Associates did not provide adequate validation of a debt and are reporting this debt on my credit files through the major credit bureaus. There is no financially sensible person who is going to pay that amount of money without validation. That is why financial laws, FCRA, and FDCPA exists. That is no different than a bank loaning someone {$20000.00} for a car and 16 months after the customer pays it off, creating some exuberant balance and telling the customer to pay it or it goes on your credit. XXXX XXXX has a history of this and if any research is done via XXXX and keywords ; XXXX XXXX, Payments, and Reviews, one would find a multitude of past and present students who claim to be scammed by this school. 

Furthermore if a debt can not be validated or is erroneous in nature than it is to be removed from the consumers credit files with XXXX, XXXX, and XXXX under [ 15 U.S.C. 1681s-2 ] FCRA Sect. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) which is stated as such : FCRA Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
Product: Checking or savings account

Citi Bank has been keeping harassing me every week asking me to provide information for my checking account, and most of the information shouldn't be required for a checking account. Every time they asked for something such as SSN, employer, salary, job, office, work duties, education, houses, my parents ' info, etc. They have been harassing me every week, and I have already spent 4+ hours responding to these requests. They are violating my rights as of following : 1. A lot of the information should be private ( eg : where my father lives ) which should not be questioned for a checking account 2. I requested an explanation of this obviously excessive harassment, and they failed to provide valid reasoning and just told me it is their " periodic routine check ''. This can not be true as I have never heard anyone having a similar situation 3. I requested a privacy notice as the information I provided was private and confidential. They refused to provide such notice and even threatened me 4. They always contacted me during work hours and have wasted me 4+ hrs responding to these inquires and emails so far. I should be reimbursed for the work time 5. Every time they promised not to harass me anymore, but I usually received another harassing phone call 2 weeks later 6. Every time they called me using different numbers which are not the Citi 's number on the back of my card. I suspect they use personal numbers or unofficial call centers to spam me
Product: Credit reporting, credit repair services, or other personal consumer reports

around XXXX of 2021 I started a a dispute with experian due to Nebraska XXXX XXXX reporting inaccurately Nebraska XXXX is reporting under a bankruptcy I have also disputed the bankrupcty with Experian and Experian is validating information from a third party source I contacted Experian after the dispute was unsuccessful and explained that Nebraska XXXX XXXX was reporting inaccurately and they stated I needed proof that the bankrupcty was not mines I tried explaining that I contacted the court house attached to Nebraska XXXX XXXX and was told they dont release information to the public and Experian stated that the information was validated by a third party source
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX on my credit report with TransUnion on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify cardholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are housing fraudulent hard inquiries that do not belong to me. I have been trying to dispute them off but they are not listening I have reached out to the companies along with filed a FTC complaint these hard inquiries need to be removed or every incorrect one is a XXXX dollar fine and I will seek legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00}, Original Creditor : XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

In 2004 I purchased a rental property located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Soon thereafter I had tenants living in the property and a check from XXXX XXXX in my name was sent to this address. The " check '' was some type of instant loan that I had never requested. The tenants found a way to cash said check and then the debt obviously went bad as I did not even know about it. Since that time I have been XXXX  and XXXX  for collection of this debt even though XXXX XXXX has been in receipt of proof that this debt is not mine for XXXX  years. Most recently, the deceptive practices of Resurgent have brought this back to the surface. No one, over XXXX  years has been able to provide me with proof this debt was mine, in fact the last go around XXXX XXXX provided a different debt company with what I sent to prove the debt was not mine.
Product: Credit reporting or other personal consumer reports

Im reaching out because I found several inquiries from your company on my credit report that I never authorized. I have been very careful about my financial activity, and I dont appreciate seeing unauthorized inquiries that I had no knowledge of.
Product: Credit card or prepaid card

I made a purchase from a merchant, XXXX XXXX XXXX back on XX/XX/XXXX. The merchant never shipped my product and I have been trying to get a refund ever since! It is now XX/XX/XXXX and still no refund. The credit card processor Cash App closed the case and advised me to work with the merchant directly. The merchant is highly unprofessional and a thief! She admits to not shipping my product and claims to have issued s refund. The merchant is lying and did not issue my refund through the card network. I have contacted cash app numerous times and submitted proof of my interactions with this merchant. Cash app has not returned my money!
Product: Credit card or prepaid card

On XXXX XXXX, XXXX XXXX tried to refund me for flights that they had cancelled and sent funds to a Chase credit card that I had closed in Spring 2020.

Chase returned the funds to XXXX XXXX because they had purged my credit card records from their system. Chase instructed me to work with XXXX XXXX directly to obtain the funds. 

XXXX XXXX told me that they can only refund my original form of paymentthe closed Chase credit cardbecause it would be " illegal '' for them to issue payment in another form. 

After several correspondences, Chase continues to refuse to help me get the funds from XXXX XXXX, even though XXXX XXXX said they would resend the money if Chase asked for it. 

Thus, I feel that I have no way of getting the {$1200.00} that is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a Transunion rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because Transunion and XXXX is publishing inaccurate information on my credit reports. 
And asking XXXX and Transunion to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to XXXX, Experian, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, XXXX, Experian, and XXXX.
Product: Checking or savings account

I recently deposited a check to USAA from a relative in the amount of {$5000.00} on XXXX XXXX, XXXX. My relative contacted me today XXXX XXXX, XXXX and said the funds have left her account, which would mean USAA is in possession of the funds. 

This makes no sense why USAA would put my money on hold until XXXX XXXX, XXXX other than to go spend and invest that money or do other profitable banking practices. 

This is unfair and unreasonable and I 'm requesting that the CFPB please investigate USAA and these practices. I am requesting that USAA please communicate in writing only and not by phone. 

Furthermore, the same relative tried to deposit the funds before writing this check via bank wire and it was turned away by USAA, which I also do not understand. 

I am a XXXX citizen and this is causing me a lot of XXXX and XXXX. I do n't know why I must spend so many countless hours trying to get USAA to stop putting holds on my deposits and then the semantic answers I get from their customer service. 

See attached screen shots of deposit holds and screenshot from relatives checking account which shows that funds have cleared and that USAA is alienating me and is conducting unfair banking practices.
Product: Credit card or prepaid card

After speaking with continental finance about my issues I am having I have received several calls of harassment within minutes of each other. I called back the number showing in my caller id and confirmed who was calling... ..the cards is surge. And I have gotten usually 25 calls within 2 minutes two or three times a day everyday .the number calling me shows as a local number XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far.

The courts have him paying our 1,000 a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XX/XX/XXXX and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.
Product: Credit reporting

I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted From an alleged identity theft, not later than 4 business days later after the date of receipt.

It has been 30 days and you are in violation of this law because I am a victim of identity Theft please delete these items immiediatly.

These accounts should not be furnished on my consumer report as they are in violation Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) in general subject To subjection ( c ) any consumer reporting agency may furnish a consumer report under the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. 
No consent is Identity Theft as a consumer I am demanding the deletion of the accounts listed Immediately. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I booked a flight through Chase travel last year but had to cancel due to XXXX. My best friend booked the same exact flight with me as we were going together onto the trip, but directly through XXXX XXXX and got her full refund travel credit and used it with no issues. After XXXX hours on the phone the representatives told me that only {$1.00} of my {$230.00} credit would be able to be used and could not give any sort of explanation. They offered me {$100.00} rewards credit but that is losing more than half of my value for no reason other than Chase is taking my money. I declined and ended the conversation due to extreme frustration to try again another day. I called again and the representative lied to me and said they were booking a main cabin ticket because he was not able to book a basic economy ticket that I was looking at online for {$150.00} and instead booked one for about {$350.00} and change and it was more expensive because it was main cabin ( a better ticket ) and that was all he could do. He lied and upon checking my booking online at united.com the booking is still available for {$150.00} and I checked through Chase travel and it is still available there for {$150.00} and doesn't even give me the main cabin option, and he actually booked a basic economy so I can not even bring a bag on board! So he essentially took even more money from me as I paid the {$110.00} difference in ticket prices but actually gave me the lower priced basic economy ticket with no carry on bag even. The representative has lied to me and wasted my time XXXX hours later from yesterday and today please help me. I have called so many times and have tweeted them and no one at Chase cares to help, just take more money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$9200.00} XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00}