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

On XX/XX/2019 I submitted a dispute on a medical bill acc # XXXX with your company which came back as verified on XX/XX/2019 via mail. This can not have been investigated properly because I also disputed this with the creditor ( TRANSWORLD SYS INC ) in witch they responded on XX/XX/2019 with the cftp stating that this account would be removed from all three credit bureaus SEE ATTACH LETTER FOR PROOF FOR DELETION. ALSO I ATTACHED A COPY OF THE VERIFICATION LETTER THAT YOUR COMPANY SENT ME 0N XX/XX/2019. REMOVE THIS FALSE ACCOUNT IMMEDIATELY FROM MY REPORT AS I HAVE ATTACHED THE PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! FAILURE TO DO SO WILL RESULT IN A LAWSUIT AGAINST ALL PARTY 'S INVOLVED. SEE ATTACHED DOCUMENTS
Product: Vehicle loan or lease

The account has been an issue for several years. We have tried ( husband and wife ) to work out payment plans and get a comprehensive accounting of our account. What the company has sent to us is a print out that has codes that we do not understand and nobody has taken the time to explain. When asked how much we need to pay they gave us 3 different amounts within days apart. When we requested a print out because of the confusion on the amount they repossessed the vehicle and the company they hired for the repossession caused damage to the garage of the home we are temporarily staying at. Both companies have refused to provide us with the insurance company of the repossession company. The company has harassed us, threatened us, and violated our rights by not giving us proper documentation. They forced us into another loan which added more money onto the original loan. We have numerous text messages, and recorded conversations with the car loan company and the repossession company.
Product: Checking or savings account

Over the last 4 days I have tried to contact credit karma spend account over 30 times because they locked my account for no good reason saying that they were doing it for my protection but they are withholding my money from me and not allowing me to access my money that I worked for even though I've begged and pleaded because I need the money to buy groceries for my kids and I had it set up direct deposit so all of my money went on to the card that they have now Frozen and refuse to unlock. They keep telling me that they have escalated it to another team yet no one contacts me or gives me any answers and just responds with the same automated response. I have even begged them just to close the account and send me a check and they tell me that they can't do that for me either. I am about ready to hire a lawyer and file a claim or class action lawsuit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened accounts with XXXX XXXX XXXX XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to XXXX XXXX  XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with Equifax on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to Equifax, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.
Product: Checking or savings account

I submitted my Christmas Bonus check via Mobile Deposit on XX/XX/year>XXXX  and at that time the app said funds would be available on XX/XX/year>. I am now being told they are holding all of my deposit until XX/XX/year> even though the check has been moved from my Employers bank to US Bank on XX/XX/year>. How is it legal for US Bank to continue to hold my funds even though US Bank has had my funds since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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: Money transfer, virtual currency, or money service

I got approved of Pennsylvania regular unemployment benefits due to my unemployment which was to be paid by US BANK RELIA CARD, despite the arrival of my card i cant acccess fund in my relia card account or send out to my personal account after submitting necessary verifications requested by US BANK to enable me access my unemployment funds which i have been calling back and forth for 2 months, PLZ Im a single dad with a XXXX XXXX XXXX. Every time I call I ask the rep that answers how they would survive without $ $ for a month.
Product: Checking or savings account

Its Friday my job deposit the funds, and I still have not received them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX  on XX/XX/XXXX and the item was deleted on XX/XX/XXXX. Without any reason as of today XXXX this item has now reappeared with no notice or anything. 

According FCRA my consumer rights have been violated and I'm hoping that Consumer Financial Protection Bureau ( CFPB ), as well as the New York State Attorney General under the FTC. FCRA 616, 617, 621 can hold them accountable. I've asked them to furnish me all documents relating to the debt and so far I've only received a statement showing interest charges. How did they come to this amount? Initially the date was from XXXX it now appears on my credit profile as of XX/XX/XXXX which is also illegal. Someone please hold Portfolio Recovery accountable for there actions. 

Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX XXXXOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX # XXXX {$9400.00} XXXX # XXXX {$470.00} XXXX {>= $1,000,000} XXXX XXXX # XXXX XXXXT # XXXX {$6400.00} XXXX XXXX  XXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these hard inquiries from my credit report I have no knowledge of these accounts they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report the account listed as XXXX XXXX XXXX Account XXXX XXXX incorrectly. There are several inconsistencies within the account which means this account has not been properly verified as accurate and it is causing me harm. The account is also reporting as a charge off and this can not be correct. Any balance on an account over a {$1.00} federal law states the overdue balance is refunded to the consumer. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Paid Paid Derogatory Creditor Remarks : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 

Paid charge off XXXX related Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since none of the information matches this means none of the consumer agencies did a reasonable investigation and just reported random information to collect payment from the creditor.
Product: Checking or savings account

I had XXXX in my account. I am buying a house, so I wanted to transfer money from the Citi Saving account to XXXX XXXX account that actually funded the Citi saving account. I also have been using the XXXX XXXX account to pay the Citi credit card bills every month for years. 

Since the maximum that I could transfer in a day is XXXX, I set up two XXXX transfers one and next day. The first one went through OK, but I received message from Citi to cancel the 2nd transfer. I was alarmed, and called Citi. A couple of customer service reps told me that I would get money back next day, so I can transfer then, The money never came back to my account, and it is showing pending everyday since. Including a weekend, it has been six day including today. I just called them again for the seven times. There is nothing they could do, and I have to wait up to 16 days to get my money back. 

They never told me that the reason that the 2nd transfer was cancelled. I would probably miss out with buying the house.
Product: Student loan

I applied for the SAVE plan on XXXX first through the studentaid.gov ( XXXX ) and was notified that my application had been processed through my loan servicer ( nelnet.com ) on XX/XX/XXXX. However, my account on Nelnet says that my SAVE application is still in process XXXX and a half months later. Please see the screenshots attached.
Product: Debt collection

I was at work when they tried to serve me the summons at my house and they left it with my friend, not even my roommate. I got sued for a medical debt that I wasnt even aware existed. The debt company never called me to leave me a message about the debt. The only reason I knew it existed was because they were suing me. It was for a XXXX dollar dermatology visit from XX/XX/2019. I have a health savings account and I have insurance for things like this. I was just coming off of accutane and had paid for all of my visits and meds. This was my last visit to make sure everything looked okay after completing my 6 months of accutane. I have all the records on file for it. I also called revere health to see if they had a record of how many times they called me before sending the bill to collections and they told me they had zero records of that. I also asked a woman that works for the debt company if she had records of them trying to contact me and all she said was Oh they always try at least once. If I dont know a number and no one leaves a message, then Im not calling back. So how am I supposed to know that I owe something if no one tells me hey, you owe blank amount for x, y, x, visit. I didnt even receive anything by mail and Ive lived in the same house for 3 years. 
When they first served me it was about a XXXX dollar amount they were charging me and then by the time my job received a writ of garnishment it had amounted over XXXX dollars. I barely make that in 2 weeks after taxes. I ended up having to take out a credit card and now its ruining my credit. XXXX dollar debt to XXXX dollars because they made me pay for their court fees and a bunch of other things. Also it went from XXXX to over XXXX within the time frame of like a month and a half. Theyve done this to a lot of other people and I think its horrific to do that to people in your community. People who do pay for their healthcare, who also pay their bills regularly, and then have to worry about extra fees on top of that. They are absolutely banking off the abuse of others. They should be ashamed of themselves and they should be fined or shut down. Hold them accountable.
Product: Debt collection

I received a judicial summons on XX/XX/XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm Hunt & Henriques in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. XXXX XXXX is fraudulently trying to garnish my wages.
Product: Credit card or prepaid card

Card showed a balance of {$280.00} when the balance was supposed to come out automatically as told to me by the tellers at the bank. It didnt and dropped my credit score XXXX points. Balance is now paid.
Product: Debt collection

On XX/XX/XXXX, XXXX I received a call from Sunset credit services. Violating the Fair debt collection practices Act & Fcra. They have committed 4 individual actions ( violations ). 15 usc 1692b ( 2 ) was violated 2 times. 15 usc 1682d ( 2 ) was violated. 15 usc 1692c ( 1 ) was violated. I do not owe any debt. 15 usc 1692k you are liable for damages. this allege debt is unverified/inaccurate. Also violates the Fair credit reporting act. I do not owe any debt.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last known amount XXXX source of funds SBA Date of XXXX XXXX XX/XX/XXXX account balance XXXX USD Company in question is Citibank. 
My account was deactivated after i received my sba loan on the XXXX, and i have struggled to get it back online. 
After the deposit was made Citibank decided to deactivate it and I have not been allowed back into my account and
Product: Credit reporting or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, Experian provided the following info that a XXXX XXXX account in amount of {$1600.00} is not on my credit report after a dispute & investigation filed by myself however the XXXX XXXX is still being reported by Experian. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now therefore it is heresay. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. Experian need remove all publishing of this account with derogatory marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXXXXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Credit card is still reporting on credit report when it should be charged off. Currently over XXXX past due. Request for account to be reported correctly on credit report. Company in direct violation of fair credit act
Product: Credit reporting or other personal consumer reports

I am disputing all items named in this letter and pursuant to 15 U.S. Code 1681a ( m ) that express The term credit '' that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account. Therefore, under Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. But Experian did not do this and has been reporting negative information.
Product: Checking or savings account

I opened my account 4 years ago at the XXXX XXXX located at XXXX XXXX XXXX. XXXX, Texas XXXX. Back then we had few problems and resolved fast and afterward past pandemic it went downhill it's like they don't care about the consumers, and it shows with complaints filed with BBB and consumer media. I noticed that my rewards credit card was being hit with a higher interest rate than was promised to have had. I complaint about this and they showed no care. I was so upset, and I had an opened loan and was waiting to pay it off before closing the account. For the last XXXX days my account hasn't been working and I reached out to support and they refuse to let me know anything or even help. This morning, I stopped to get gas though the card was declined but I have money on my account. After work I stopped at XXXX XXXX XXXX XXXX. near my home and spoke first with XXXX XXXX who I shared that needed new card and she said can't there a hold on your account I was upset I been through already with these people working for regions that been speaking too for months. They told me I can't get a new card or withdraw any of my money and knowing I must pay bills. So, she reached out to XXXX XXXX XXXX XXXX XXXX who investigated my account history and just said security had closed your account as of XX/XX/year> and I should have received a letter which he gave me a copy but really doesn't say why. This is unethical practice, and they need to share why my account closed being there the one who made mistake and lied to me. Doing business with this Bank for XXXX years and they didn't care that I was unable to pay bills or get food for my family. I'm an ex-military and have worked for XXXX  years serving my country with FEMA too. Account still shows money over {$800.00} in my checking. There preventing me to review my account online or mobile this should be a violation against them/Bank shouldn't have any right to keep money from you.
Product: Credit reporting

On XX/XX/2016, a fraudulent attempt to open a XXXX card in my name occured. It resulted in a hard pull. XXXX has sent a letter ( dated XX/XX/2016 ) to all XXXX credit bureaus to remove the hard pull. Equifax is the only remaining credit bureau to have not remove it ( numerous confirmation numbers with no result ).