23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had my credit karma account for more years then I can remember. XX/XX/XXXX I created a savings account through them who are backed by XXXXXXXX XXXX I transferred my tax return ( {$5000.00} ) from my checking account at XXXX XXXX XXXX XXXX to my new credit Karma savings account. As soon as my money hit the savings account they have locked my account. I have spent over the last 2.5 weeks calling, emailing, chatting with costumer service, etc. to figure out why my account was locked and to have access to my money. No one can tell me why it was locked and they keep giving me the run around that someone from higher up will contact me. I needed this money weeks ago. I am about to be evicted and can't pay my bills!! I even emailed and spoke to an employee at XXXX XXXX  and still have no access to my funds. I told credit Karma to just close my account and send funds back to my bank, just to be told they can not due to it being locked. I am having financial struggles and I am lost on what to do at this point. Not to mention a single mom trying to make ends meet. PLEASE HELP ME I AM DESPERATE!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these ITEMS. 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXXXXXX Account : Name XXXX Account Name : XXXX  Account : Name XXXX Account Name : XXXX XXXX  Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : XXXX XXXX XXXX Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : XXXXXXXX  Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : Unknown Account : Name XXXX Account Name : XXXX Account : Name XXXX
Product: Debt collection

I initially applied for an XXXX XXXX through XXXX bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. XXXX responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to Spring Oaks Collection as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from XXXX saying I am not responsible to Spring Oaks. Today I received an email from Spring Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. 
Please see all attachments.
Product: Credit reporting or other personal consumer reports

15USC 169 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX ( Original XXXX XXXX  ) :, Unfair. Fix the account number and send a full report. 
XXXX XXXX XXXX  :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate.

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation.

At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Debt collection

For the past year I 've been going back and forth with this company and Transunion is the only company left that is keeping this FRAUD on my credit report.   I also have proof that I contacted transunion about the dispute on   XXXX   XXXX   XXXX  and it is now   XXXX   XXXX  , yet I still have no word from them????   So this is addressed toward   XXXX   XXXX   and  National Credit System Dispute   Letter of da te you sent in first or subsequent requests This letter is a formal notice that you have failed to respond to my dispute on (  XXXX  ).   As you are well aware, federal law requires you to respond within 30 days. It has now been over that period. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act an d may be i nvestigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.     I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request ....     The following information therefore needs to be verified and deleted from the report as soon as possible :  NATIONAL CREDIT SYSTEMS  - #  XXXX  Status in Collection :  XXXX  Please delete this erroneous item from my credit report as soon as possible.     You guys are also false reporting on my   XXXX   XXXX   Account by reporting that I have missed several payments. However this is not true at all.       XXXX   XXXX   XXXX   XXXX   Account Type Credit Card Account Status Closed - Paid and Closed Opened Date   XXXX   XXXX   XXXX     Closed Date   XXXX   XXXX   XXXX     That 's the actual REAL information that you 're holding out against me.         Sincerely,   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX ( XXXX minute ago ) to me I am a XXXX XXXX XXXX retiree that was Victim of a XXXX XXXX XXXX to my Citibank Account for an apartment Rental in XXXX and the bank refuses to reimburse me now again I am a Victim of a XXXX wire Fraud tied to my Citibank account, they have not refunded my account as they said. This is elder XXXX XXXX and I need someone to help me go after Citibank I can't be the only retiree that is having these issues with Citibank? Please help me or if you know a Lawyer can help me? Citibank is responsible the XXXX on the Citibank website on my account is not secure and I know its only {$5400.00} thats Pocket change to Lawyers but to a XXXX XXXX XXXX retiree on Social Security thats a several Month 's payment Lost it Hurts and I was just trying to rent an Apartment in XXXX and it was a XXXX apartment scam they knew they could use XXXX and Citibank will not reimburse me and its their Fault because its not secure. Citibank has rejected my appeal 2 Times so I am trying again. XXXX is NOT secure and Citibank Advertises it. I am XXXX used it once and scammed. 

Citibank is responsible the XXXX on the Citibank website and the 2nd scam was a fraud Real estate agent that turned out a Fraud a wire fraud again from my Citibank account. 

I did file 2 Police Reports with the XXXX XXXX XXXX XXXX Citibank XXXX CASE XXXX XXXX Wire Fraud Case XXXX
Product: Credit reporting or other personal consumer reports

I've noticed some inaccuracies on my credit report, which fall under 15 USC 16c-2. I believe the information is incorrect and is negatively affecting my credit.
Product: Money transfers

I ordered an XXXX Watch online from an online from pay pal and I was supposed to get my watch on XX/XX/2017 and have n't heard anything since I made athe XXXX Note to XXXX You have n't sent a note. 
Shipping address - confirmed XXXX XXXX XXXX, OH XXXX United States Total {$99.00} USD Charge will appear on your credit card statement as PAYPAL XXXX Payment sent to XXXX Receipt Sender XXXX XXXX Recipient XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2017 Note : Currently, there are limits to how much the recipient can send, spend or withdraw. To access the full amount on this date, the recipient can link a bank or card. 
Description Amount Payment amount ( in currency funded ) : {$99.00} USD Your total charge : {$99.00} USD Payment amount : {$99.00} USD XXXX fees : {$4.00} USD XXXX will receive : {$95.00} USD Need to cancel? 
You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you ma
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian On XX/XX/2023 Regarding a late payment on my credit report. The account was a credit card I have from XXXX XXXX XXXX XXXX. I Provided Bank statements showing 4 highlighted transactions stating payments made to XXXX XXXX Which is the account code for my credit card. Given the proof provided. Experian Refuses to change the late payment to a positive payment and it is negatively affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the law firm that is representing me XXXX XXXX sent Experian a letter informing them that they has sent a letter to the creditor XXXX  that is currently listed on my Experian credit report informing XXXX that they are currently in violation of Pursuant to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, UCC 9.506, the Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements, demand is made on behalf of XXXX XXXX XXXX for your company to remove the inaccurate information from her credit report pertaining to XXXX Account number ending in XXXX. XXXX did not comply with the letter sent by XXXX XXXX  so they proceeded to contact Experian since they continued to report the account. Summary of letter sent to Experian Re : Alleged Debtor : XXXX XXXX Creditor : XXXX XXXX Our File Number : XXXX Dear Sir or Madam : You are hereby given notice, pursuant to 15-U.S.C.A Sec. 1681i, that XXXX XXXX disputes the debt of a creditor listed in her credit report prepared by you. The item disputed shows a collection record by XXXX. Previously, we reached out to XXXX regarding the referenced debt demanding that they provide verification. Although the statutory 30 day period has expired, thus far, they have failed to validate the debt. Under the provisions of the above act, you must reinvestigate the item and if the item can not be verified or is inaccurate or incomplete, you must promptly modify or delete that item of information from XXXX XXXX file, as appropriate, based on the results of the reinvestigation. You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for XXXX XXXX attorneys fees.
Product: Debt collection

XXXX XXXX from Structured Settlement, XXXX XXXX. XXXX. 

They called my at work about a week or two ago. I specifically told him he is not allowed to call me at work and I hung up. He proceeded to call two more times right in a row. The last time i said, I told you that you are not allowed to call me at work and hung up. Today again he called me at work, I am front desk at a hotel, I was not here and he left a message for me to call him. When I got in I called him back and recapped that 2 weeks ago I told you that you were not allowed to call me at work. Now you called again. I told you that you can't call at my job, if you continue to call my job you will leave me no choice but to contact a lawyer. This his harassment. He started talking over me and yelling that " if you have no money how are you going to get a lawyer '' I told him that was none of his business. I specifically told you that I had XXXX XXXX XXXX and I'm just getting back on my feet. I said i have your information at home and when i am able to I will reach out and start small bi-weekly payments. Do Not Call My XXXX XXXX!!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Credit card or prepaid card

I paid in full a store credit card through XXXX XXXX that has not been updated to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX ) ATTACHED LETTER NOTE : This account had been deleted off my credit report in by XXXX XXXXXXXX. 
2 ) XXXX XXXX ( XXXX XXXX XXXX XXXX ) ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address I never lived there on my credit report.
Product: Checking or savings account

Citibank sent me a letter in XXXX stating they were closing my account. I told them of my urgency to get my funds to pay my rent onXX/XX/XXXX. Its coming up on XX/XX/XXXX and Im still in need of my funds. This is clearly retaliation from f me trying to get my funds and constant calls and other things allocated to bring awareness to their unusual gestures they have been portraying towards me. Im asking these funds to be released to me. And all late fees unaccompanied with my rent needs to be taking care of by Citibank and every month I go without my rent should be paid by Citibank. This is crazy as how they stated in XXXX my account would be closed in 10 days. But they restricted me from my funds until they closed my account. Which is unethical and biased and most discriminatory thing Ive ever endured. Yet they still opened my account to accept a deposit. Only to close my account again after they accepted my funds. They closed my account 3 days after I opened it. But the next day they closed my account after they seen my direct deposit was switched. I uploaded these 2 images nearly a month apart exactly. One dates XX/XX/XXXX and the other XX/XX/XXXX but Ive still yet received my funds and its almost XX/XX/XXXX. This is driving me crazy. Stressing over funds I dont have and I have lawyer fees that need to be paid. Kids that need school supplies. Shoes clothes. My rents coming up again. For XXXX sakes man. Im XXXX over this stress
Product: Credit card or prepaid card

I've been a customer with US Bank for many years. One day ( XX/XX/2012 ) as I was walking in to make a deposit, a banker approached me and told me I should have a credit card as well, and she thought I would be eligible since I was a home owner. 

Long story short, I walked out with a credit card and a {$5000.00} limit. I used the card for a year or so, and decided I didn't want it anymore. When I called to pay off the card and have the account close ( I didn't want a credit card in the first place ), I was given the run around. 

I called around to whichever numbers I was given and paid my account in full. Looking at my credit history, there is an account that says " In-Collections/ChargeOff ''. This is incorrect information. The account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  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: Debt collection

On approximately XX/XX/XXXX at XXXX XXXX  I received a phone call from someone telling me that they were from Portfolio Recovery and that this was an attempt to collect a debt that was from XXXX. And that I owed them approx {$1400.00} ( don't remember exactly they amount stated ). I then explained that the debt they were referring to was from approximately XXXX and that I had listed this debt when I contacted XXXX XXXX XXXX XXXX and paid for the required program prior to filing bankruptcy chpt XXXX and that before I could file I became XXXX and was forced into early retirement and live on Social Security. The collector didn't seem to care and actually just began talking and trying to insist that I set up some kind of repayment plan. I hung up and then wrote the company ( Parent company XXXX XXXX ) a Certified Letter ( See Attachment ). Today XX/XX/XXXX at approximately XXXX XXXX  I received another phone call this time from a XXXX XXXX, who once again repeated basically what I described above. But this time I went off on her and she hung up. I called their number and first spoke to a XXXX and then I asked him to put a supervisor on the phone. XXXX XXXX got on the phone and he started asking me question, I interrupted him and expressed that I had sent a Certified Letter etc to his corporate office and attention XXXX XXXX the Compliance Officer. And he said he would notate the file and contact corporate to confirm what I had said. I hung up and decided to file a complaint.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( see Attachments ) Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
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 Bureauthe 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 FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX