23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern, I am writing today, to request an investigation into an incorrectly deposited check from XXXX XXXX. On XXXX XX/XX/2020, I requested a balance transfer with XXXX XXXX in the amount of {$650.00}. This was meant to go to a credit card with XXXX XXXX - XXXX ; however, the form with XXXX XXXX  auto-filled to Citibank and the following Citibank address : Citibank XXXX. XXXX XXXX XXXX KY, XXXX I did not catch this error during the balance transfer process, nor fully discover the error until XXXX XX/XX/2020, when I contacted XXXX XXXX. A stop was issued for this check : check # XXXX in the amount of {$650.00} from XXXX XXXX. However, the check was cleared by Citibank on XXXX XX/XX/2020. After speaking with several representatives with both XXXX XXXX and Citibank, I was advised to send a letter to formally request an investigation into the funds ending up in an unclaimed property bucket, or more simply put where the funds ended up, as well as request a refund in the amount of {$650.00} be issued directly to me, as there is no Citibank account for this to post to. XXXX XXXX advised due to the check being cleared by Citibank, they can not and will not be offering any further assistance with the matter, offer any investigation on their end, or speak directly to Citibank, and that I am to handle this directly through Citibank to get this resolved. Any assistance in this matter would greatly be appreciated, as I am currently stuck in limbo. 

I sent a letter with this information, and more, on XXXX XX/XX/2020 to Citibank, then again on XXXX XX/XX/2020. I have sent this information to two addresses : Citibank XXXX. XXXX XXXX XXXX KY, XXXX Citibank XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX I have not heard a thing, and on XXXX XX/XX/2020 I opened a checking account with Citibank, in an attempt to now be a customer, and receive some assistance. I am still receiving the same run around from Citibank, and no headway has been made, as they tell me they will not look into the matter, without XXXX XXXX XXXX involvement, which XXXX XXXX stated they will not assist with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Transunion LLC XXXX XXXX XXXX XXXX pa XXXX ( Affidavit ) To Whom It May Concern : I AM A NATURAL PERSON, I AM ALSO A CONSUMER After reviewing my credit reporting I see some accounts that I did not authorize, made by the following companies ON THE FOLLOWING DATES : THESE COMPANIES ARE LISTED BELOW : XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX  inquiry dated for XX/XX/XXXX, and XX/XX/XXXX ITS BEEN OVER 30 DAYS!!!! AND THIS IS MY SECOND LETTER, THIS IS A CEASE AND DECEASE LETTER. SO, I AM ASKING FOR YOUR COMPANY TO ADHERE TO THE PRIVACY ACT RIGHTS LAW AND REMOVE THESE UNAUTHORIZE INQUIRIES IMMEDIATELY. 
I DID not authorize anyone employed by these companies on these dates to make any inquiry on my credit report or even permission to look at my credit report. 15 USC 1681b ( c ) PERMISSIBLE PURPOSE OF MY CONSUMER REPORT ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. and is a serious breach of my privacy rights. Also violates 15 U.S. Code 1681 s-2 15 U.S. Code 1602 ( p ) 15 U.S. Code 1681s-3. Please validate this information with these companies and provide me with copies of any documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request as a CONSUMER!!! that these fraudulent inquiries be immediately deleted from the credit file you have under my Social Security Number.

Please note you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

My contact information is as follow : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XX/XX/XXXX ***-** XXXX
Product: Debt collection

I went to there website, although I knew this was a predatorial collection agency trying to collect on old debt over 7 years ago. 

I just have to pay them off to keep them from messing up my credit. 

I compensated TSI for the old debt originally under XXXX. 

I paid {$350.00} TSI for the debt on XX/XX/2020. 

The account number is XXXX and I was given a confirmation number : XXXX after payment in full. 

I was told the account will update the payment in 48 hours. 

I seen know change and I can't get back into the account I paid them with. 

I have all emails, snapshot and statement of payment with TSI for  {$350.00} I'm concerned about the account not honoring and indicating the {$350.00} payment. 

I experienced problems with logging into the website today to see if there was a change. 

If I honored the debt by paying in full, then hadn't this company indicated it yet?
Product: Debt collection

I asked for verifiable proof that the debt was mine and have not been given that. This debt was the cause of Identity Theft. I disputed early part of 2019, please help me resolve this matter.
Product: Credit card

On a few different days in mid XXXX, I and an authorized account manager tried multiple times to file a price protection claim online at XXXX website, but each time I received an error message that read Sorry, this card does not have any benefits registered. This was despite the fact that when I was applying for the card, price protection ( among several other protection benefits ) were advertised. In addition, the benefits booklet that was mailed to me along with the card reconfirmed the protection benefits that the card had and described their terms and conditions. After not being able to file the claim online, the business account manager contacted the card benefit services phone line but they could not see any benefit associated with my card either. They said they will investigate and fix this problem, and will call back to let us file the claim. I was contacted a few days after and was informed that the problem has not been fixed yet. Upon trying to file a claim online, the problem has not been fixed as of today.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Volkswagen XXXX XXXX for providing inaccurate information to credit reporting agencies, which has negatively impacted my credit score. 

On [ XX/XX/XXXX ], Volkswagen XXXX XXXX reported that I had XXXX late payments on my account ( Account Number : [ XXXX ] ), which is incorrect. I have always made timely payments through their auto-payment system. Volkswagen has admitted their mistake in a letter dated [ XX/XX/XXXX of VWs letter ], confirming that I have never missed a payment. 

Despite this admission, the incorrect information remains on my credit report, and Volkswagen has not taken sufficient steps to correct it with the relevant credit reporting agencies. 

I have contacted Volkswagen directly and submitted a formal dispute with the credit reporting agencies, but the issue persists. I am requesting the CFPB 's assistance in ensuring that Volkswagen rectifies the incorrect reporting and that my credit report is corrected promptly.
Product: Credit reporting or other personal consumer reports

I sent in a dispute on XX/XX/year> and did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns.

Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account XXXX XXXX  : Account number : XXXX, The late payment reported is an error. I have proof of on-time payments. Please verify this information and update my credit report accordingly. 

XXXX  : Account number : XXXX, This account is reporting a late payment incorrectly. I have always paid on time. Update my credit report to show the correct payment history and remove the late payment. 

XXXX XXXX : Account number : XXXX, I dispute the late payment reported on this account. It is not accurate. Send me evidence of the late payment or correct my credit report to remove it. 

XXXX  XXXX : Account number : XXXX, The account shows a late payment that never occurred. This is a reporting error. Remove the erroneous late payment and ensure my credit report is updated. 

XXXX XXXX XXXX  : Account number : XXXX, The late payment on my report is inaccurate. I have made all payments on time. Please provide documentation proving the late payment or update the account to reflect the correct payment history. 

This is in accordance with Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).
Product: Vehicle loan or lease

Today I spoke with Mr. XXXX of Capital One ID- XXXX  who assisted me allegedly with skipping my XX/XX/XXXX payment. However, XXXX ID XXXX allegedly a customer advocate who I found him very condescending, demeaning and quite the opposite of the definition of advocate. My wife was extremely disturbed by his lack of professionalism and response. Frankly in our opinion he seemed not to be with it since I had to repeat myself a number of times and he NEVER answered my questions!. I finally had t cut off all communications with him. The fact is I asked him to hold onto the phone conversations from Mr. XXXX and with him XX/XX/XXXX between XXXX and XXXX XXXX. and to enter specific commentary into the account notes. I do believe you will find only negatives. I have already opened 3 complaints with you the CFPB XXXX-XXXX  and with the FTC and department of Financial Regulation State of Florida and Federal Reserve which sent me to you AGAIN! They have refused to respond to the earlier complaints and now have once again impacted me financially credit wise, fees and other issues ad inhibited my ability to gain financial loans or purchase a vehicle. I do not know why you have not assisted but sadly you have done nothing and they are evidently not interested and not concerned? You also have NOT repaired the incorrect name for my wife even though XXXX XXXX has corrected the issue multiple times whichoall you have to do to prove that lie is check out my wife 's name posting as XXXX  and with a middle initial of XXXX Opinion- A sham if immense proportion concerning their lack of skipping a payment I requested and I was assured by them it was and today immediately after Mr. XXXX assured me it was the so called Customer advocate XXXX  stated it was not done! LIES! A review will show I have been in touch with them multiple times via every venue and they failed to reply or respond. They merely ignore. To get through to them almost impossible! Their responses all fake news.
Product: Checking or savings account

I received a negotiable instrument in the form of check for the amount of {$56000.00} from XXXX XXXX XXXX XXXX Account, for the sale of a property solely owned by me prior. 

The check was issued in a physical paper format- to XXXX 's upon closing on the said property sale and was payable to XXXX - XXXX XXXX XXXX 

Check has been subsequently improperly deposited into a bank account not belonging to XXXX XXXX XXXX The bank account was held in the name of the XXXX XXXX XXXX. 

XXXX. After further investigation, XXXX XXXX XXXX XXXX the Converted Check with the use of a forged endorsements and signatures was improperly deposited into a bank account belonging to the Individual XXXX XXXX XXXX XXXX Account ) through an in-person, over-night drop, wireless, and/or technological means at her work place Chase Bank. 

I had not given the XXXX XXXX permission to cash or deposit the Converted Checks, let alone in her XXXX Account. 

XXXX. At no time during of the presentment of the Converted Check made payable to " XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX XXXX Chase Bank or the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE Report and this not filed by a XXXX XXXX or XXXX XXXX XXXX. 

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights under XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting or other personal consumer reports

I decided to start looking into purchasing a home but when my credit was ran ; I noticed that there was a lot of wrong information and fraudulent activity on my credit report which I did not do nor I was aware of. Im a victim of identity theft due to living in XXXXXXXX XXXX. The credit bureau Data Breach was hacked. I had tried so many times to get my information updated and changed on all 3 credit agencies but to no luck. I also tried on numerous times to dispute any misinformation & fraudulent but they refused to remove them off my credit report. There are a lot of late payments & open accounts on my credit report which have effected & harm my credit score to the point that I wasnt able to get anything in my name because of all the old accounts information & fraud accounts on my credit report.This has caused me a lot of stress, anxiety to my livelihood. If you can please help me fix this ongoing issues. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX XX/XX/2023 This hard inquiry was on my credit report and I did not authorize it.
Product: Credit reporting or other personal consumer reports

The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both XXXX and TransUnion are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.
Product: Debt collection

I requested that XXXX XXXX provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.
Product: Debt collection

XX/XX/XXXX I received a letter from XXXX XXXX XXXX indicating XXXX XXXX would not sue me or report the alleged debt to any credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported this debt to XXXX and XXXX. when i called them on the issue i was told they weren't sure why I received the letter but they would not remove it from my credit report. I submitted a dispute with XXXX but the agent submitted the wrong reason for dispute and now i have to submit another dispute and wait another 30 days for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Checking or savings account

On XXXX XXXX I open a checking and savings account for CitiBank with promotional code XXXX which stated I needed to have a combine balance of {$15000.00} for 60 consecutive days to received a {$400.00} bonus and direct deposit for {$100.00}. I had called in after my bonus period was over to see if I can closed the savings account after the promotional period and was told I could. I did and I changed my checking account to a basic checking and now have to change to an access account because the basic charges a fee if I do not use bill pay. I had ask them to change my account to one that only requires direct deposit to waive the fee and they couldn't even do that. I received an email saying I completed the task and that I would received the bonus. Now that it has been 180 days, they said that since I closed my savings account beforehand, I would not received any of the bonus. The email they sent says that I never open a savings which I did. They told me I was given misinformation from the previous called and that they couldn't do anything about it.
Product: Mortgage

UWM sold my home mortgage to XXXX XXXX XXXX XXXX which will take affect XX/XX/2022. 
I am required because of their business deal to do several things at my expense of time, energy, and effort in order to help UWMXXXX XXXX XXXX XXXX XXXX XXXX their business deal which I had nothing to do with. 
My Mortgage is no where near being in trouble, and yes I can provide proof. XXXX XXXX XXXX bank is requiring me to contact my home insurance company to make XXXX XXXX XXXX the XXXX. This to me is unjustifiable, and I contend not my responsibility as I had nothing to do with their UWM XXXX XXXX XXXX XXXX Bank business deal. 
Further XXXX XXXX XXXX  bank have no branches in my city of XXXX XXXXXXXX XXXX, so I can not fix this my going to see them. I contend that I should not be required to use my time, energy, or efforts to assist UWM and XXXX XXXX XXXX  bank close their deal... 
XXXX XXXX XXXX XXXX bank has promised me a welcome package which has never arrive and I have visited their web site XXXX XXXX XXXX XXXX  several time without any resolution, meaning I can no longer pay my bill online, as I can not open an account with XXXX XXXX XXXX XXXX, and they are not responsive to any of my request. 
Further how is any of this my responsibility? I had/have nothing to do with these XXXX companies selling mortgages to each other, et they require me to waste my time, energy, and efforts to assist them at my expense. 
Further this is my second bad experience with UWM, and what I expect is a bad relationship with XXXX XXXX XXXX XXXX  from the begging... 
I ask for direct relief from being involved with UWMXXXX XXXX XXXX XXXX XXXX XXXX practices. I contend that at best it is unfair to involve me in their business transactions, because they are lazy.
Product: Credit reporting or other personal consumer reports

I am writing on behalf of XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX Texas XXXX, to address a serious matter regarding the unauthorized and uncompensated use of his source data by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

A debt from 2009, company periodically calls and attempts to start collections. Have notified them numeous times it was included in bankruptcy.