23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX. I got paid {$400.00} on cash app for selling dogs and the person claimed it was fraud on their end and instead of cash app investing they took the money out my account and said they couldnt do nothing about it. 
XX/XX/XXXX - I reported fraud for {$700.00} they said theres nothing they can do. 

XX/XX/XXXX - I reported fraud fo {$400.00} they said theres nothin they can do. 

XX/XX/XXXX - I reported fraud for {$100.00} the account was a scam account. They said theres nothing they can do. 
Cash app have been keeping peoples money for years and hasnt refunded anyone for the fraudulent account they authorized. I have proof of all the disputes
Product: Mortgage

my economic situation was impacted due to XXXX, i was granted a financial assistance to maintain my loan, please help me remove my late report on my credit
Product: Checking or savings account

I would like to resolve 2 problems going on with Citibank : 1. Problem : In XX/XX/XXXX, I received a letter from Citibank that they were terminating banking relationships with me and since that date ALL my 4 bank accounts were locked/frozen removing any type of access. I called Citibank asking for a reason to this action and they explained that due to money received from the SBA into a personal account and not enough documentation, they were going to return the money to SBA in a period of 30-60 days. In XX/XX/XXXX, I got another letter from Citibank explaining that the money was going back to the SBA. 
Today is the date that Citibank has not returned the money to the SBA. I called the bank today XX/XX/XXXX and they said that the process was going to take between 30-60 days. The problem is that I always get the same response and more than 60 days have passed and Citibank doesn't return the money. I don't understand why it would take SO LONG for Citibank to return the money if they know that it's going back to the SBA. I need Citibank to return the money to the SBA so I can resolve this problem directly with the SBA. 
2. Problem : One of my bank accounts that got locked/frozen is a joint account that I have with my wife. In XX/XX/XXXX, my wife was expecting the IRS Stimulus check ( she thought it was going to be mailed ). Unfortunately, on XX/XX/XXXX the IRS deposited the stimulus check to the bank account they had on file and Citibank accepted the money and they didn't reject the transaction. My wife has called several times to the bank asking for the money and the only response she gets is " We don't know what's going to happen, please call back again ''. This money has been hijacked by Citibank for over a month and they have no intention to either return the money to the IRS nor to my wife.
Product: Credit card or prepaid card

On XX/XX/XXXX received email from Lowe’s Synchrony Bank  stating my payment was late. I phoned them because I had made my recent payment in store. In the phone conversation it was discovered I had been told the wrong amount. I noted that my available balance was off and was told that my limit had been decreased. Prior to this confusion over the payment, my payment history with them has been excellent. The agent stated that they had pulled my report on XX/XX/XXXX of this year and based on that report they lowered my limit on XX/XX/XXXX The information was outdated and erroneous. The one reason given listed was present when I opened the card in XX/XX/XXXX. I disputed an unauthorized inquiry from Wal-Mart synchrony bank and feel this is tied to that.
Product: Credit reporting or other personal consumer reports

My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. This unjust refusal has left me not only frustrated but also deeply distressed. The toll this ordeal has taken on my financial well-being and emotional stability can not be overstated. It is disheartening and exasperating to think that after following your guidelines to the letter, I am met with such resistance. Here is the account that needs to be removed from my credit file : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX. Please remove this account ASAP.
Product: Money transfer, virtual currency, or money service

Money was taken from my cash app and it was never resolved and there was no access to a live agent to discuss the matter I had to email them. And my private information was leaked in a data breach and I kept getting money request from international numbers.
Product: Debt collection

They have this duplicated all over my credit report and change the date every time I submit a request for proof of debt. This is not my debt and I have requested this information be removed from all three credit reporting agencies. It was removed then put back on and DUPLICATED AND THE DATE CHANGES EVERY TIME I REQUEST PROOF OF DEBT. ENOUGH IS ENOUGH REMOVE THIS OR I WILL GET A LAWYER
Product: Credit reporting or other personal consumer reports

This pertains to my preiously filed case XXXX. I leaarned today that the status of the fraudulent account has been changed to " charge off ''. This caused me to be denied credit by XXXX XXXX XXXX Bank for a new XXXX XXXX. I also received an updated report on my previous dispute filed with TransUnion showing the status change to " charge off '' stating it was sold to another lender. This report ALSO showed that while the fraudulent account was opened XX/XX/2022 that the last payment received was XX/XX/2022. I would like to add to my previous document request that they provide a copy of any and all payments on this account as they were not made by me and it might shed some light on to who applied for and obtained credit in my name.
Product: Credit card or prepaid card

I notified TD Bank Credit Card that I will be traveling to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. However, during this period, my credit card was abruptly turned off. From a correspondence received after XX/XX/XXXX : Per TD Bank : In our efforts to protect and better serve our cardholders, we continually monitor our credit card accounts for transactions which occur from fraudulent useWe apologize for any inconvenience this may cause I verified all transactions with TD on Sunday, XX/XX/2021 per my conversation, with the TD Bank representative, she reassured me that my bank card would be turned back on. Unfortunately, this was not the case. I was stranded without any available credit card for use for hotel and transportation stay. I succumbed unnecessary fees as a result of this inconvenience. 

I also TD Bank on XX/XX/2021 that I would be traveling to XXXX from XX/XX/XXXX to XX/XX/XXXX... I didnt want my credit card to be turned off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX  account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX accout XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX ; XXXX  acoount # XXXX ; XXXX acoount  # XXXX XXXX acoount # XXXX has violated my rights XXXX  account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights 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 Seection 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Increased my payments over XXXX over last 6 months undervalued my tax and insurance payment shows XXXX instead of XXXX tax and insurance actual went down XXXX to XXXX Said my escrow beginning balance s/b XXXX when it should be 1935 This all results where my annual amount of payments for escrow s/b XXXX which is less than XXXX based on XXXX mos they want to charge me Something is wrong with their calculations
Product: Debt collection

This complaint is regarding the debt collection agency, Hunt and Henriques. 

XXXX XXXXXXXX XXXX XXXXXXXX sent my debt to Hunt and Henriques. They already came to my house and harassed my parents a few times about " coming back to knock on my door for debt ''. Under Fair Credit Reporting Act they are not allowed to harass third-party for debt and only contact me. 

In addition, when I contact them to resolve my debt, they do not respond at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone Number : XXXX Date : XX/XX/year> *Experian* XXXX XXXX XXXX XXXX XXXX XXXX *Re : Formal Dispute of Inaccurate Information Experian Report Number : # XXXX for XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information that remains on my *Experian credit report*. Despite having submitted previous disputes regarding these same errors, the inaccuracies persist, and I am concerned that my rights under the *Fair Credit Reporting Act ( FCRA ) * are not being upheld.

I am specifically concerned with the following discrepancies on my report : Bankruptcy XXXX XXXXXXXX Date Filed : XXXX Reference # XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} These items have been disputed multiple times, and I have yet to see a satisfactory resolution. As per the *Consumer Financial Protection Bureau ( CFPB ) * lawsuit against *Experian*, which highlighted the company 's failure to properly investigate and resolve consumer disputes, I am requesting that Experian : 1. *Conduct a full and thorough investigation* of the disputed information as required by the FCRA.

2. Provide *clear evidence* of the investigation and resolution process for each disputed item.

3. Remove any information that is found to be inaccurate or unverifiable.

4. Ensure that all future disputes are handled in compliance with the law and within the timelines required by the FCRA. 

In accordance with the FCRA, I am requesting that you investigate these items and provide me with the results of your investigation, including any documentation, proof of verifications, and the outcome. If you are unable to verify the accuracy of this information, I request that you promptly remove it from my credit report. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to open a credit card with XXXX. They were unable to process my application for the credit card because Experian would not release my credit report to them. I went through all the available methods set forth by Experian to ensure that my credit report was unlocked. To be clear, my Experian account online clearly states that my account is unlocked. However, each time a customer service representative from XXXX tried to pull the credit report from Experian, they were unable to do so. We called Experian and their automated phone messages were not helpful in the least. We are unable to get a credit card because Experian is not providing any avenues to rectify this glitch in their system and this is causing a lot of stress. 
If there is any way to get in contact with a human being at Experian who might be able to diagnose the problem and rectify it, it would be greatly appreciated.
Product: Debt collection

I was notified by my XXXX from a job I applied for that I have an collection acct for {$990.00}. From a company called MBA Law ( XXXX ) when I contacted this company they stated that I had a XXXX XXXX XXXX ( XXXX ) I notified the company I believe this is a mistake and I inquired why didnt I receive any notification from them about the bill I contacted XXXX XXXX twice and spoke with XXXX from billing who stated she dont see a bill in that amount and further more they do not deal with an MBA Law. They stated they felt with a company called XXXX help XXXX. I called the number twice to see if they possible deals with MBA Law and where did this bill may have come from since XXXX do not have a bill. I called the first time stayed on hold for XXXX. Someone picked up and hung up I called back being placed on hold XXXX minutes and someone did the same thing. MBA law is trying to get me to Pay a bill that I do not owe. Further more they placed this on my credit report without properly notifying me of such bill. I have XXXX insurances atena and XXXX both XXXX my parents so I normally dont receive a bill because XXXX is XXXX and XXXX pick up the balance. I may not get the job because this company placed this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

How XXXX  can EQUIFAX be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, EQUIFAX is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and XXXX are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell EQUIFAX to investigate because the open date on this account is wrong.
Product: Checking or savings account

I made a transfer of {$20000.00} from my linked XXXX Bank on XX/XX/2023, Immediately the money left my XXXX the next day XXXX Bank restricted my account without any valid reason and the money became available after 2 days in my Milli but I wasn't given access to it. I tried to contact their customer representative through email and 'in-chat ' messaging but all I could get is an automated response that they will get back to me in 1-2 Business day. I tried online to search for a representative phone number but XXXX does not have a phone number to call. Every time I sent a message i get response that I will be contacted in XXXX-2 Business day that they are investigative source of fund, till now no one has responded to me and its over a week now.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rent at apartment so today XXXX/XXXX/2020 I applied at XXXX  XXXX  XXXX and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$4700.00} UNKNOWN 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

I cant believe I saw inaccurate accounts on my credit report this morning. XXXX at a complete loss for how this happened. I check my report frequently, and everything was fine until now. I refreshed the page, hoping it was some kind of glitch, but nothing changed. XXXX begging for the documents Ive sent to be double-checked, so I never have to deal with this XXXX  again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I BEEN ASKING FOR HELP TO MODIFIED MY LOAN FOR THE LAST 9 YEARS AND INSTED TO BEEN ABLE TO HAVE THE OPPORTUNITY TO BEEN REVIEWED I BEEN TRANSFERED TO A LIST 3 DIFERENT SERVICING COLLECTION AGENCIES UNDER THE SAME MANAGMENT WHO THEY WORK ALL TOGETHER IN CONSPIRANCY TO LET THE TIME GOES BY AND HAD ME UNDER A DUAL TRACK PROCESS IGNORING ALL MY CERTIFIED MAIL REQUEST FOR HELP I BEEN ALSO MADE A DIFERENT COMPLAINTS TO THIS AGENCY AND THE LETTERS THEY PROVIDE YOU ARE BACKDATED MAIL THAT I EVER HAD AFTHER THIS IS EXPIRED AND
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that a class action was filed against XXXX and I was member of that action ( XXXX and XXXX vs XXXX ). As part of that settlement I was offered a three yr credit monitoring service with daily access to reports and a score. 

The letter provides a activation code to be used on the XXXX  site owned by XXXX. There is no place anywhere on that site for current members to provide a activation code. I also tried deleting my account and signing up a new account but again there is no place to provide such a code. 

Going to the website XXXX XXXX XXXX provides a field to enter a activate code but results in a error message.
Product: Checking or savings account

Truist Bank randomly closed my account after twice receiving proof of my name change, of valid address and of my US citizenship. They decided to close it with no warning or reasoning given at nighttime. I've been more than forthcoming with them, but apparently they're known to randomly close accounts while alleging fraud. 

Something of which I'm not guilty, and have never credibly been accused.
Product: Money transfer, virtual currency, or money service

I would like to inform the XXXX of Zelle 's inability to handle and reconcile disputes, which demonstrates the platform 's issues. Using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX 's findings indicate Zelle has failed to protect consumers but has allowed their platform to be vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection company by the name of radius global solutions has furnished a debt upon my credit report. When reporting the debt false for ownership because I had no idea of this debt and I do not owe this money being that there is no signed signature of my name on any biding contract with the original or collection agency with the furnish amount of XXXX. Upon investigation with the three credit bureaus they came back validated with no proof. Upon further inspection and requesting of validating proof, XXXX was the only credit bureau to remove the falsely reported information from my credit report. 

The same is for a XXXX account, it shows on my equifax and experian report but not on my transuion. Please, Id like these items deleted from my credit report, both bureaus immediately as they do not reflect my report honestly as a consumer and I was not provided with verified proof of this investigation of it being mine within 30 days from the credit bureaus, equifax and experian when requested.