23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Lived at an apartment complex five years ago. Gave 60 day notice and moved to new apartment. Have lived in several places since then. Looking for new apartment currently XXXX XXXX 2015 XXXX, and with credit report old apartment complex says I owe almost $ XXXX as of XXXX 2015. This is incorrect and needs to be deleted. I was not informed, taken to court, and I have n't been there in five years. Credit report is showing as of XXXX 2015. Incorrect date and fraudulent charges.
Product: Credit card or prepaid card

I have a credit card with Capitol One. On my statement they have a balance to pay off so twice I paid off the balance of the card on XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX I see on my statement an interest charge of XXXX, I called Capitol One. I ask them since I had paid off the balance why was there an interest charge. They told me that that they had be charging daily interest and that was not in fact the balance to be paid off that it said on the statement / website / app. So 4 days later they added up the daily interest and charged my card which meant it was not paid off. When I asked them why they do this the rep said it is " encouraged '' that you call in to pay off your balance. This is not on the statement anywhere. Nor is it on their site that you should " call in '' to get a final balance. So if you think you paid off your credit card, surprise you did not pay in full and then they will charge you 4 days later so the balance continues. This being the case if you never call in, because you didn't know you needed to, you could never pay off your credit card. They are stealing from their customers with shady business practices.
Product: Credit reporting or other personal consumer reports

I checked my credit report and inaccurate information is there... I went to this school XXXX XXXX  not even a full semester and I see a bunch of loans taken out. I went to the university  to clarify what was going on. The Financial Aid officer 's name is XXXX. I do not remember her first name. I approached her and the school officials. Nothing was done. Apparently she took out loans and was using them for her benefit and none of my payments went to the school. I told them to remove all of those loans and nothing I mean nothing was done.
Product: Money transfer, virtual currency, or money service

Zelle never gave me a warning about sending money to people I didnt know
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete its investigation within XXXX days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. Also, correct the address in my fiel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention several companies made a hard inquiries to XXXX, XXXX XXXX and XXXX without my permission or authorization and I would like the hard inquiries removed. I contacted each bureau and they said I need to file a report and get a FTC number to remove. 



There were several hard inquires made by XXXX by XXXX XXXX, Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is in regards to an ongoing complaint with Bluebird by American Express. I received a check for {$560.00}, but there was a balance of {$800.00}, why did n't I get the whole {$800.00}.
cardholder XXXX XXXX  My name XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX
Product: Debt collection

Radius Global Solution has failed to provide me with any verification of this debt. They have also failed to provide me with a letter of my rights to dispute as required by law. I have requested from this company on multiple occasions verifiable proof of the alleged debt such as a contract with my signature or promise to pay, they have not provided me with the information required to me by law and have not gotten back to me in a timely matter so that I may correct this issue. As this has gone on for months now I ask that this account be deleted from my credit profiles. As a consumer my rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with federal grand jury or written instructions.
Product: Mortgage

I have been trying, for the last one and half years with no success, to remove the private mortgage insurance ( PMI ) which I qualify under federal, state and investor requirements. 

When we last spoke to the mortgage company we were told, since an appraisal fee of {$150.00} was not paid on time, the request has been canceled. But we were never notified to pay that amount to begin with despite their claim a voice mail message was left in regards to that. 

Also a late fee was assessed on XX/XX/2018. I was hospitalized over 3 weeks for XXXX XXXX ( aka XXXX ) during that time and was unable to pay monthly mortgage on time. I provided documentation to that effect and requested that the late fee be removed numerous times, to no avail. This is despite I had paid my payment on time every month on time.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and I noticed that there were some things on my credit report I had no knowledge of also a few inaccuracies. I sent a dispute letter to all three credit bureaus ( XXXX, Equifax, and XXXX ) I sent this letter more than 35 days ago and the credit bureaus have yet to respond. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

On XX/XX/year> I reviewed a notification from my credit report stating I had a balance of {$200.00} from XXXX XXXX XXXX. I have never had an account with them, I tried to dispute and they did not remove from my credit report.
Product: Money transfer, virtual currency, or money service

1. Lost my information in a data breach and were very uncooperative, denying that they had a data breach after sending them the XXXX  files that notified me. -This led to identity theft, causing all of my accounts to be taken over, maxed, closed down, credit history destroyed, my house being listed currently, marriage over, don't have a car any more and cant get financing, all because of gemini and XXXX  XXXX. 2. Blamed it on me. After depositing {$250.00}, plus XXXX ethereum which never showed up, my account was frozen and has not been unfrozen ever since. They have dodged the issue, and have attempted to tell me that a payment was reversed. They don't accept payments, I would never send a payment to them for anything, and my XXXX  account shows the exact amount that I am saying they stole as being sent to them. 3. Block me from being able to access it by giving horrible customer service, and making me repeat a 2 week cycle of verifying myself with pictures, telling them why i'm contacting them, being condescending towards me, until I report them to you, the police, the FBI, SEC, my consumer attorneys in this case, and I think just hope I'll go away. Once i've answered all of their verification questions, someone else takes the email chain with the pictures and all of the things they've asked for 2 weeks in order to unfreeze my account, where supposedly my XXXX and {$250.00} USD are stored, and acts like it is the first time I've emailed in and says that they are sorry but they can't talk to me unless I verify myself. Constant loop of that which has gone on since 2021. 4. They've not paid what they owe from their class action settlement. They've gone as far as denying ever being involved with a class action lawsuit, as well as an SEC lawsuit for being an unlicensed securities vendor. They call themselves a " licensed trust company '' like I care at all about their justifications. Theft, fraud, racketeering, deception, lible, slander, defamation, identity theft, perjury.
Product: Credit reporting or other personal consumer reports

EVERYTIME SEEING THIS TO MY CREDIT REPORT IT CAUSE ME ANXIETY AND LEAD ME TO XXXX, PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY.
Product: Debt collection

I have two negative collections accounts on my credit report from Simons Agency Inc. One in the amount of {$520.00} and another for {$690.00}, both said to have been from XX/XX/XXXX. I sent a request to Simons Agency Inc to validate this alleged debt through certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard from the collection agency or received and form of validation for this debt.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

We had a loan modification done with Nationstar Mortgage to lower our payments, change to a fixed rate and avoid a foreclosure. But in the long run our payments went up and our mortgage was extended 10 years. Also, I did not receive a copy of the modification.
Product: Debt collection

I Were contact by this collection agency Alliance one receivable management XXXX about a debt that Were place in there office from the original creditor XXXX XXXX credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.
Product: Debt collection

No known knowledge of the collection/charge-off for {$120.00} that was created on XX/XX/2020.
Product: Credit card

I have been making online monthly payments on my Citi Costco Anywhere card. Citi closed the account in XXXX, and I was only left to making payments of {$350.00} on the XXXX of every month. 
I attempted to log in my account on XX/XX/XXXX to make payment but I was blocked from accessing my account. Citi requested verification of the CVV number of the credit card. I had explained to them numerous times over the phone that I don't know that number because I had destroyed the credit card ending in XXXX when they decided to close the account in XXXX.
Product: Debt collection

I have a collection on my credit report with XXXX XXXX XXXX. It is concerning equipment from XXXX XXXX XXXX. I had gotten out of the military and was moving back to XXXX from XXXX XXXX. The agent did n't say anything about returning the equipment prior to my military packout. I arrived in XXXX during mid-XX/XX/XXXX and did n't find a residence and receive my housing until XX/XX/XXXX. I immediately dropped off the equipment at XXXX. I started receiving phone calls from XXXX XXXX stating that there was still a debt. I reached out to XXXX to try to obtain some sort of record that I had dropped off the equipment. They stated that there is n't a system that they could use to find the equipment or proved that I dropped it off. They stated that they receive equipment from multiple XXXX customers and place it in one box for shipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in reference to Account # XXXX which I have filed on XX/XX/XXXX, with the CFPB. I have received Somebody else 's personal information I have called XXXX regarding this matter they told me they weren't familiar with the information I have received. On XX/XX/XXXX I have received a package with a promissory note. I have called XXXX several times regarding my account which starts with XXXX. If XXXX can not verify this account please delete it if this account comes back verifiable please notify me on the information showing on file. I asked the XXXX Department of Education to provide me with information regarding account # XXXX. 
thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I wired {$4900.00} from XXXX to Coinbase. Coinbase sent an email back an hour later claiming the wire transfer was rejected because the senders name did n't match the name on the Coinbase account, and that the money will be transfered back into the senders account within 3 days. I Called XXXX and sent an Amended wire transfer shortly after the initial Coinbase rejection email. Today is XXXX and I have n't heard from Coinbase yet. I 've sent 2 help tickets a few days apart from each other, and I sent an email to them today informing them to deposit the money back into my XXXX. The only reason I have't called is because I hear the wait time is hours long. I 'm in XXXX living on a military installation, and do n't want to pay exorbitant phone fees just to be disconnected after a 2 hour hold. 

The sender 's account is mine, and the Coinbase account is my wife 's. My wife is also linked to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordannce with fair credit reporting act XXXX XXXX XXXX XXXX # 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 states a consumer reporting agency can not furnish account without my written instructions.
Product: Checking or savings account

Subject : Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$400.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 outlines the terms and conditions of the promotion ( the U.S. Bank official promotion link https : XXXX was expired ). According to the disclosures of the promotion, I deposited an initial amount of {$25.00} to open and activate my account online on XX/XX/2023 ( see attachment 2 ) and I also enrolled in the U.S. Bank Mobile App within 90 days of opening my account. Moreover, Attachment 3 displays my U.S. Bank transactions, demonstrating that I completed two direct deposits within 90 days of opening my account with a total of {$6000.00} : {$3000.00} on XX/XX/2023 and {$3000.00} on XX/XX/2023, thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been almost XXXX months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$400.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Mortgage

On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022.