23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I pay my mortgages every month online. I am never late. I have good credit. I paid one of my HELOCS on XX/XX/XXXX for a home in New Jersey at XXXX XXXX XXXX, XXXX XXXX. XXXX days later CHASE extracted XXXX rather than the roughly XXXX dollar mortgage. If I did something like this, I would have to pay XXXX times and it would be crazy to do! My bank is XXXX XXXX. I had no funds due to that large withdraw from CHASE. I begged XXXX XXXX to stop payment. They weren't sure it could be done as the payment was being processed. I then called Chase. The woman told me she would try and stop it from there end. XXXX XXXX was able to cancel the payment. CHASE kept all but XXXX to apply that XXXX payment. It created a glitch in their system where it looks like I owe back to XXXX of XXXX. I am being dunned and my credit is going to show poorly. I have been in contact with the XXXX XXXX who said they were working on it. A week from last week, yesterday, they told me to pay XXXX. I told them I would but said with that glitch in the system that they created, it looks like I owe XXXX and the payment won't be successful as it is insufficent an amount to accept. I was right. It didn't go through and the guy tells me I sound frustrated. I wrote to XXXX XXXX on XXXX who looks like their new CFO which is how this XXXX Customer Service division called me. However, I am in XXXX for XXXX months and my payment activity shows current. They are after me. This is wrong, wrong, wrong. I have never missed a payment. I am XXXX XXXX XXXX and this is abuse. Please help. XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Experian Credit Agency at www.Experian.com boosted my score by XXXX points. The next day ONLY Experian added a fraudulent collections account to my report and no other credit agency noticed the fraudulent collections account. At the other agencies I have good credit. Experian personally altered my credit score and lied and said the other agencies knew when they had no knowledge of the fraudulent collections account added on XX/XX/21 by ONLY Experian. They personally are attacking my account and committed fraud while doing so in an attempt to deny me my good score. My Experian account has been locked the entire time. My other accounts are locked as well. Experian is the only agency that allowed the fraudulent information onto my account 1 day after my score increased by XXXX points. They Are discriminating on my account and taking it very personal. The account in question WAS NEVER on ANY of my reports EVER. And for them to slide on my report AFTER my score went up XXXX XXXX later suggests fraud and XXXX
Product: Money transfer, virtual currency, or money service

I have called multiple times to rollover my 401k and I have not received my money. The account of course shows {$0.00} but I have not seen any checks coming in. Its probably past the 60 days. 

I called XX/XX/XXXX, they wouldnt let me. Then I waited until XXXX, they said they would send a check. I waited and never got it. I called before XXXX. They halted the check to reissue. Its XX/XX/XXXX, nothing. Its almost the end of the year and I have not seen any money. The amount is approximately {$12000.00} but who knows after all the fees theyve taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 this is a charged off account there shouldnt be a passed due amount as well as this being fraud this account was used in south XXXX i have never been there before in my life this company is a bunch of thieves ruining my credit and life essentially this account is also still reporting to my credit report even thoough its charged off once a account is closed it can only reflect late up to which it shouldnt be on my report at all still ruining my life how long will i have to deal with this unjust i have a couple lawsuits on there way to the cfpb, and the reporting agencies please handle this
Product: Money transfer, virtual currency, or money service

Cash App closed my account without warning. The claim is that I used the account for gambling, which is not true. I do not gamble online.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an XXXX  XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX charge of {$81.00} for XXXX XXXX XXXX was made to my account. The charge never went through and had to pay XXXX XXXX XXXX in XXXX, NC {$81.00} in cash because the charge never completely processed and is still pending. Wells Fargo refuses to cancel the pending transaction. I need this resolved without me having to seek legal representation and file a lawsuit against Wells Fargo. As soon as my money is returned to me, I will be CLOSING my Wells Fargo account. They are a sorry XXXX XXXX XXXX company.
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX  XXXX ) If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to late payment notices sent to all three CBRA 's by XXXX. Please remove those notices. XXXX claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA XXXX  which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.
Product: Credit reporting

I had previously said that appear on my credit report are identity theft. they not mine. those account was made by some one else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion yesterday to follow up on my dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company has been harassing me for some time now reaging my account by adding a dollar and taking a dollar away, also adding late payments to my report and this is all illegal per fcra.I called several times about the wrong doing of this account to transunion and transunion hasnt did anything about it. I dont get how you can report information that isnt accurate and transunion is one of the 3 that should really be fair to both sides. But I never felt like that honored me as a customer. Transunion makes me feel very little as if I dont exist.I spoke with a XXXX XXXX yesterday about my dispute, I wrong to transunion about the XXXX XXXX XXXX  asking for a method of verification. I asked transunion to give me the detailed on the investigation with my account because every time I dispute it comes back as verified such as now. When I called XXXX told me that the account came back as verified, I informed him that I didnt dispute anything I just wanted info on the investigation such as a wet signature, who the transunion representative talked with to make sure the account was accurate and etc. I told XXXX that I also requested that if the info wasnt provided that the account should be deleted. XXXX told me that transunion doesnt do mov and they dont send out anything they send to the creditor so they can provide me with the info, but I was confused because I didnt ask the lender I asked transunion to provide me with the mov. XXXX credit didnt send me anything but a letter asking me to settle. Transunion isnt following the guidelines of fcra and my credit is taking a hit because they show that they dont care about the consumer at all.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian credit bureau several times about them have the wrong address on file ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). The correct address should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX however the keep refusing to update it and take off XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX when it should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Payday loan, title loan, or personal loan

I bought a new XXXX with XXXX through Citizens One Personal Loans back in XXXX XXXX. The phone was returned to XXXX on XXXX XXXX, XXXX do to a defect. XXXX informed me that they would take the phone back for a full refund and I purchased another phone and a new loan started XXXX XXXX, XXXX with my brand new phone. <P/>Citizen One sent me a letter stating my account # XXXX was closed and would be credited back to my credit card within 5-7 business days. After this time I called and spoke to a representative that told me the claim was not processed and she was not sure why. She transferred me to her Supervisor XXXX which told me he would rush the claim and it would be credited back to me no later thanXX/XX/XXXX. Today is XX/XX/XXXX and the credit has still not been issued. <P/>I 'm done fighting with them, I have records that state I would have my money back 5-7 business days from XXXX XXXX, XXXX. It 's now XXXX XXXX. Way past the date the credit should have been issued.
Product: Credit reporting or other personal consumer reports

Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and XXXX  XX/XX/2023, no communication from XXXX  and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
Product: Credit card or prepaid card

I applied for a credit card today. I was denied access to credit with the reason " not approved at this time because : you have recently been past due '' I found this odd, I don't believe I have been late on a payment so I pulled my XXXX  credit report to verify. I looked through all 26 pages and not one late payment reported. I would like to know who is approved and ensure there is no discrimination because the reason I was denied is inerrant so there is a different factor weighing into the decision.
Product: Debt collection

This company continues to make negative impact and violate both FDRA law and FCRA law while not and refusing to remove debt having zero to do with me or agree to validate supposed debt.
Product: Prepaid card

XXXX DC offers tax refunds on Citi Bank Prepaid card. The tax refund was for XXXX. Citi only permitted me to withdraw XXXX. Merchants have refused the XXXX and Citi refuses to close the account. Next month Citi will start charging me maintenance fees. Its is obvious that Citi only permits whole dollar transactions so that cards are left with unusable balances and then they are happy to charge maintenance fees. You should audit all of Citi tax refund accounts to see how many cases Citi has benefited from this behavior.
Product: Credit reporting or other personal consumer reports

With reference to the response to complaint # XXXX. 
Not sure where to start, with such an uneducated response, but in an effort to help those involved, I will break down each of the paragraphs to expose the errors and correct. 
Paragraph 1 ) I did not at any time place an inquiry, but I did file a complaint for improper reporting.

Paragraph 2 & 3 ) In reference to accounts ending in XXXX & XXXX, with balances of XXXX & XXXX. You state that their not under review for 1099 - c, that nonsensical no such thing as review, its either over the required {$600.00} or not. Please read IRS Publication 4681. If you do not perform I will be contacting the IRS. 
Paragraph 4 ) You can put what ever you want in your terms and conditions, that's your right, but it does NOT supersede the purview of the FCRA or any other laws pertaining to reporting my non-public information. In fact I can opt any and all non-public information I choose to per the FCRA 15 USC 6802. I may also opt, per the privacy act of 1974, per 5 US Code 552a. To close on this paragraph, although you supplied a privacy notice with which you can report to the bureaus, I have the right to opt out from that notice, that you neglected to provide. To be clear I have opted out.

Paragraph 5 ) I thank you for this paragraph, as it shows your purposeful neglect in performing your duties, you mention your findings, what findings I didn't receive any notarized findings.

Paragraph 6 ) You are under no obligation to report anything, I did not give you permission to report anything to the credit bureaus, and still don't.

Paragraph 7 ) I'm not making a request, to be clear its a demand, for you to perform with a little integrity.
Product: Debt collection

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Total 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute Experian 's reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with Experian repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to Experian by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. Experian should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. Experian should appropriately reage my credit score. Also, I am victim of a natural disaster and Experian has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''
Product: Debt collection

My name XXXX XXXX, a Federal protected consumer me, and I am making this complaint against Credit Management INC. for committing identity theft. I have never given Credit Management Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Credit Management Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management Inc continues its collection efforts, I will file for litigation for actual damages caused and Credit Management Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required and pursuant to rule 1002 the original application Account # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reviewed my credit report to wonder why I am getting denied lines of credit. To my surprise I noticed 2 accounts reporting that I have not give consent to authorized those account to be reporting on my consumer report. This type of action is a violation of my right for privacy. No creditor or collection gave me any option from sharing my personal information to third party affiliates. Also I search for my information to see if my personal information have been exposed and the result so that research shock me. I am a victim of identity and exposed to a XXXX XXXX breach. I am demanding for all bureaus to remove the accounts listed within the FTC and based on the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I resolved an account with a lender and Transunion continues to report an inconsistent with reported balance/past due amounts payment rating history on my credit report. 

On XX/XX/2019, Transunion reports this account as closed by consumer with {$0.00} balance and {$0.00} past due. From XXXX 2019, they then report a 30, 60, 90 day late payment rating on an account that was, again, closed months prior with {$0.00} balance. There is no way I could have been late for payments during that time because with the balance being {$0.00} dollars at XX/XX/2019, the months proceeding should have had a {$0.00} dollar balance with XXXX $ payment due as you can not further charge to an account once it has been closed. In XX/XX/2019, Transunion reports once more a {$0.00} balance, {$0.00} dollar past due, okay payment rating, and account as closed by consumer. Then in XX/XX/2019, they report balance as {$0.00}, {$0.00} past due, but a 90 day late payment rating. There are not even 90 days between XXXX, the last time according to their records that I was 'okay ', and XXXX. 

This is clearly a technical glitch as it's quite obvious these ratings no sense with the numbers being reported. I filed a dispute with Transunion and nothing came of it. I can not wait another 30 days for a technical error to be adjusted on my credit report as this has tanked my score is preventing me from qualifying for a loan for my housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for these accounts completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.