23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I want to write a complaint for Zelle money transfer service. I am a XXXX XXXX and I was looking for potential roommates off campus at my local University so I could renew the lease on the house I was staying at since some of my roommates were leaving. One girl messaged me through a common roommate website used by students called XXXX and told me she was doing an internship out in XXXX but she wants a room in the house when she returns in XXXX for summer classes. She gets me in contact with her father so that he can send me a security deposit for the room. The check I received was for {$3300.00} instead of the {$850.00} for the security deposit. He tells me his job mustve sent me the wrong check and since he is " out of the country '' as well, he wanted me to deposit the check and to send him and his brother the rest back. I deposited the check and the balance showed up in my account so I sent him {$2000.00} total through Zelle believing the money was in my account. I sent {$1000.00} on XX/XX/XXXX and another {$1000.00} on XX/XX/XXXX. For the rest of the money, he convinced me to send it through XXXX XXXX. My XXXX XXXX order was placed on hold and they told me to call them. They asked me several questions and then they explained to me that I was a potential victim of scam. I believed everything was fine until I checked my banks mobile app again and it now says that the check has not been fully processed until XX/XX/23 and I realized that the check would bounce ( it ended up being a fraudulent check ). I tried calling Zelle to report the scam and they told me it wasnt their responsibility to report anything. I understand they do not want to refund any money but all I was asking was to help me locate the account and individual where my money was transferred to but they still refused. This is exactly how scammers get away with exploiting people. They know that banks and these money transfer companies are compliant and will allow them to continue exploiting people without any repercussions. Zelle did not have effective security measures such as XXXX XXXX which successfully blocked my transaction and helped me identify that this was a scam and blocked the transaction from occuring. Now that I realized I am a victim of a scam, I looked online and there are several reports and news articles explaining that Zelle is commonly being exploited by scammers because of their lack of security measures. Meanwhile, Zelle has not addressed to their clients that their services are commonly being exploited by scammers and they did not effectively warn clients through emails or other resources.
Product: Checking or savings account

On XX/XX/XXXX I opened a new CD account no. XXXX. The account opening page asked if I wanted to fund the new CD through existing external account or add a new one. I chose to add a new XXXXXXXX XXXX account and completed the CD opening and funding process. A few days later I received notification that the transfer failed. I logged into Synchrony and again initiated a funding through the XXXX XXXX  account. As of today, Synchrony is showing the following : XX/XX/2022 Pending Transfer from XXXX XXXX XXXXXXXX XXXX {$500000.00} ( Expected ) Today, I also received a note that my XXXXXXXX XXXX account ending in XXXX is overdrawn. This account is among the accounts that is linked to my other Synchrony CDs. I also received notification from Synchrony that funding from my account ending in XXXX was rejected. My XXXX  account is showing 2 attempts by Synchrony to draw from it and 2 insufficient charge fees ( each {$36.00} ) because the XXXX XXXX account is unfunded. I attempted to speak with a Synchrony call center representative about this but her response was that since I opened a CD on line, she can't see why Synchrony would be trying to draw from the XXXX XXXXXXXX account and she can't help me. I attempted to impress upon her that this has to be some sort of an algorithm glitch but she wasn't absorbing the information. I disconnected the conversation because clearly, she wasn't understanding that Synchrony 's attempt to draw from the wrong account is causing me damages in the form of insufficient charges from XXXXXXXX XXXX 

I ask that Synchrony seize attempting to draw any funds from the XXXX XXXX account and refund me {$72.00} of NSF fees.
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 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.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 were eliminated and not verified by others bureaus I don't 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 I 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

Hello! I am sending this follow-up complaint regarding the fraudulent items listed below, which are reported on my credit report in violation of federal law. Despite reviewing my updated credit report, these fraudulent items still remain. According to the Fair Credit Reporting Act, 15 USC Sections 1681, you are required to remove the items listed in the ID Theft report within the timeframe mandated by law. The continued reporting of false information is now affecting my credit. Below is a summary of the fraudulent items showing on my report : XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX & XXXX Original Creditor XXXX  XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  Original Creditor XXXX  XXXX XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XX/XX/year> ; XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00}.
Product: Debt collection

I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet. I don't have a record of this record that always had a place with me.
Product: Debt collection

I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. The collection company committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand the collection agency to remove immediately.

FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
Product: Credit card or prepaid card

I tried numberous of times to resolve this issue with capital one and late payment forgiveness. My grandfather XXXX XXXX  XX/XX/2017 and I had to do all XXXX arrangements alone and all expensive. As a single mother of my XXXX years old son that I still have to take care of. I called capital one and informed them of my issues to see if they can give me extension for this payment during my hard times, representative stated do not worry we will take care everything once your grandfather is XXXX XXXX XXXX They did not take care of the issue but instead reported me 30-60 days late. I been continuously paying my capital credit card on time still today. I been reaching explaining I only felt short one time and I be paying good before and after this issue. Can you please give me a me a chance since I been a loyal client and remove the late payment. Everyone decline. This issue is affecting me tremendously and I have a son. I can get a apartment and I need to move because its showing delinquent account. Everything revolves around credit and its affecting me. Please I need help and want this resolved. 2 bureaus have me reported late in XXXX and the other in XXXX so I know thats an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian credit report dated XXXX I have 3 collections accounts as follows XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/2020 .... 

XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/2020 None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX XXXX is listed as a charge off account and on XXXX   credit report has the account listed as a profit/loss writeoff
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.
Product: Credit card or prepaid card

XX/XX/2019 BOUGHT ENGINE ONLINE (XXXX) THEY ONLY SENT 3/4 ON WHAT WAS LISTEDALSO CHARGED XXXX XXXX FEE WHEN IT SAID FREE SHIPPINGWE TRIED TO WORK IT OUT AND THEY AGREED TO PAY FOR THE MISSING PARTS AND RENTALS CAR BECAUSE IT TOOK THEM A MONTHTHEN THE OWNER XXXX XXXX, WITH 5 OTHER NAMES THAT ALL SHOW RIPOFF  XXXX SAID HE WAS NOT PAYING ANYTHINGWE HAVE TEXTS, PHONES CALLS, EMAILSWE THEN CONTACTED CHASE WHO OPENED A CLAIM BUT THEY NEVER SENT US ANYTHINGCHASE THEN REVERSED THE CLAIM AND GAVE THE MONEY BACK TO THE SELLER  AND SAID THEY COULD NOT DO ANYTHING WE WOULD HAVE TO FILL A SMALL CLAIM ACTIONWHERE STILL OUT THE PARTS COSTSHIPPING COST, RENTAL CAR CASTCHASE DOES NOT WANT TO HELPCHASE CLAIM ID # XXXX
Product: Credit reporting

I have paid this account in full which also included applicable interest before XXXX XXXX, 2015. I have asked XXXX data regularly about giving thecredit agencies an updated status. They keep saying they are doingit but nothing has been done and it is XXXX now. Please remove thisfrom my credit report. 
XXXX Account # : XXXXThank You. 
XXXX
Product: Credit card

On XXXX XXXX, 2016 I received an email at XXXX that my Citi XXXX XXXX credit card was compromised. The company stated that they would re-issue me a new XXXX for my security. I was able to use the one I had in my possession until the new XXXX came in. On XXXX XXXX I tried to use my credit card at XXXX of the merchants I usually purchase from and the card was declined. I called customer service and was told that my account was completely closed as of XXXX XXXX and they could not give me any more information. I was told to wait until a letter arrived in the mail from them. I called back later that night and told them that I had {$8200.00} accumulated in my cash back rewards that I had been saving throughout the year. I was told since they closed my account that I forfeited the amount I had been saving. I have never had a missed or late payment. I have been to a Citibank branch and have called numerous phone numbers and have not received any help in resolving this situation. All I hear is " wait for the letter '' and as of XXXX XXXX I have not received any letter explaining the closure of my account.
Product: Payday loan

I borrowed {$1000.00} and got lender tried to charge my account for over {$3000.00} without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please thank you.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

My XXXX XXXX  application was submitted at the end of XX/XX/2021. The Underwriter and the Loan officer worked very slowly to process the loan. They requested the same documents multiple times and spent XXXX months to give a decision ; Loan denied in XXXX XXXX XXXX The reason for denial was " because I was not working at the time. '' I had current paychecks throughout the XXXX  month long ordeal up until the very end when work is generally slow for me because of the winter weather. 

A little background on my work situation the Bank KNEW about when I began my application. I am a XXXX  and I generally complete most of my work in Spring, Summer and Fall seasons, the Winter season is generally slow and I do not work as much. Regardless, my income this year is more or less what my average annual income has been in the previous years. 

In a nutshell - The Loan Officer/Underwriter denied my loan on the basis that I am not " currently working '' where they already had prior knowledge about my work situation AND the fact that I have already earned my average annual income this year. 

The bank also knows that I NEVER filed for loan grievances during covid or missed any payments whatsoever. Needless to say I have a very good track record of making my payments on time, consistently. And I have done that working as a bricklayer my whole working career ; there is no change in my work situation, it is not out of the ordinary for me to not work in the winter. You don't need to be a rocket scientist to understand that fact. 

From my research I have found that the average refinance loan process can take as little as XXXX  days or over XXXX XXXXays. The average refinance loan process takes XXXX days. My loan process took XXXX days. Why is that? 

I submitted all the documents asked of me within a day or XXXX of the requests. In addition to that I was asked for multiple documents more than once ; which is reasonable if the nature of the documents is dynamic; such as paychecks. But the underwritee/loan officer ALSO asked me for the same exact documents multiple times. These requests needlessly extended loan processing time ; this should not have been the case because the bank already had possession of these requested documents ; rather than look for them in their files they asked me to resubmit. 

The delay in processing the loan also prevented me from applying for credit because how it would reflect the loan application. For this reason I could not reach out to other banks to apply for refinance elsewhere. 

XXXX XXXX rates have climbed since my application with Citibank was submitted and now I do not have any recourse to apply elsewhere because the rates are not favorable to me. 

This process has been largely unfair to me and it downright seems that the process was not completed in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Checking or savings account

i contacted citibank to see when was my XXXX acct closed and their incompetent customer servcice is unable to answer a simple question even tho i am providing all the info requested. 
i need the bnak to provide records or will escalate the case further and request fioa.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance has repeatedly removed and reinserted this debt. On or about XX/XX/2020 the account was added after previously being deleted following a dispute. 
When I contacted the local branch, I was told I needed to call the collections dept at XXXX ( XXXX ) XXXX. When I call that number inquiring about this account ... I was told the collections account is closed. 
So I called the branch back. At this time I was told the account had a balance of nearly {$800.00}. 
This account is reporting at {$300.00}. 
Why is a closed collections account reporting as open? 
Why is the loan holder reporting {$300.00} debt but Is asking for {$800.00} Although the debt is not mine, they removed and added this account several times over the years, the statute of limitations is approaching, they keep re-aging the debt, and reporting inaccurate amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter requesting an investigation of items that needed to deleted on my credit report. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. It has been 3 months since I sent my letter. In my letter, I explained that I did not live in the ( Invitation home ) in XXXX or XXXX. I have receipts to show payments for items listed on your itemized bill. With all this said, Please delete this inaccurate and misleading information form my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.