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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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 XXXX XXXX XXXX
Product: Mortgage

My home loan has been categorized as a Veterans or VA loan. 
I am not a Veteran. I have never served in the United States military. I did not sign a VA loan, nor have I ever submitted documentation to Wells Fargo that I am or have served in the United States military.
Product: Credit reporting or other personal consumer reports

Source Receivables Management is currently reporting inaccurate information on my credit report that I am requesting be removed.

1. I do not have a debt with this company.

2. This company is reporting that I have a seriously past due account but Ive never even had an account open with them.

3. I have never been contacted by this company or given any proof of the original agreement nor Details showing the debt is valid and owed by me!!!!

According to Article 809 of the FDCPA : Debt collectors must send consumers a written notice within five days of their first communication. This notice must include : The amount of the debt.

The name of the creditor to whom the debt is owed.

A statement informing the consumer of their right to dispute the debt within 30 days. THIS WAS NOT DONE!

2. Dispute and Verification Process : If the consumer disputes the debt in writing within the 30-day period, the debt collector must cease collection efforts until they provide verification of the debt. This could include : Proof of the original agreement.

Details showing the debt is valid and owed by the consumer. THIS WAS NOT DONE!

Neither section 1 or section 2 of this article have been honored. As such I request this debt be removed IMMEDIATELY from my credit reports with each credit reporting agency including XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally consumer rights to privacy and confidentiality under USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX : # XXXX XXXXXXXX XXXX  XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXX  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.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, I received a letter in the mail from Citi Bank credit card services with my account ending in XXXX. The letter indicated that as of XX/XX/XXXX your AutoPay/Recurring Plan for my account was terminated for my CITI Bank Diamond Preferred Credit Card XXXX 

On Sunday, XX/XX/XXXX at approximately XXXX, I called the Citi Cards telephone number at : XXXX and eventually spoke to customer services representative : XXXX XXXX I explained to XXXX the letter I received in the mail and asked her to check my account and if there was no more auto pay available how will I pay my credit card bill? 

XXXX check my account and told me that I was passed due one month because there has been no auto pay. I asked XXXX why wasn't I informed in the month of XXXX instead of XX/XX/XXXX that there wasn't auto pay available. I would have paid my Citi Bank credit card bill on time. XXXX said, " I don't know what's going on ''. There was a problem with the day of the month ''. She then hung the telephone up on me. 

Citi Bank failed to contact me in a timely manner to let me know they were going to stop taking there automatic payment from my checking account. So they have now made me late and one month behind on making my credit card payment for the month of XX/XX/XXXX. So now because of their mistake I will now have to pay penalty fees and my credit report will reflect that I was one month late because of there mistake. 

I am requesting the Consumer Financial Protection Bureau to Investigate this matter and find CITI BANK responsible for causing me undue stress having to incur late payments on my credit card statement and screwing up my credit for the month of XXXX and XX/XX/XXXX. This incident was extremely unprofessional and who ever stopped my automatic payments in the moth of XX/XX/XXXX was extremely inept.
Product: Credit reporting or other personal consumer reports

Please see uploaded documents regarding unfair furnishing of accounts listed on my consumer file. To include the poor investigation practices done by credit reporting agency TransUnion on these erroneous accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes Us Bancorp XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Apply for my credits an extension of my credits and got denied and told me I need to work on my credit score
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX/DOFED XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. 

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am past due on two payments ( total of {$210.00} ) with the compan y Mariner Finance i n  XXXX ,  XXXX  and let them know about a week ago (  XXXX   XXXX  ) that I 'd call to schedule my payments when I get my commission check. I recently changed my phone number (  XXXX   XXXX  ) because I live in  XXXX  now and none of my customers like to answer my  XXXX  cell number I had, plus I kept getting telemarketing calls. The day after I changed it, my older sister ( who was a reference of mine on my application for the loan ) texted me and sai d Mariner Finance  in  XXXX  called her and tried asking for my information. Then my sister-in-law called me and told me the same thing. In fact, my sister-in-law told me that the lady  XXXX  lied to her and said she needed my new phone number because she wanted to contact me for an interview. She blatantly lied to my sister-in-law to get my phone number. Then  XXXX  called me and left a voicemail, telling me she would take me to court if I did n't give her a call back tonight. I called her back and set up my payment for this week. I then continued to say how upset I was that they reached out to my references who did n't know and did n't need to know I had finance issues.  XXXX  then hurried off the phone in an unprofessional manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is unathorized inqueries on my report. i have had a fraud alert on my report for 2 years and have not ran my credit at all! please remove any of these inqueries from my XXXX, transunion & XXXX  and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 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 an account without my written instruction.

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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent fraud on there platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I do not remember this debt and, have been the victim of ID Theft twice. ( Police Reports are on file ). A Debt Collection Attorney contacted me, I responded in the allotted time and requested information on the debt. The only thing I received was, " Provide Proof of your Social Security Benefits ''. So, I do not know anything about this debt. We have debt. My wife is XXXX. Why this attorney wanted my social security information is beyond me as it can not be garnished.
Product: Debt collection

I made a purchase of an item through a webpage called XXXX and they only allowed me to use PayPal for the item. I found out the website was fake and when I tried to communicate with them by email ( 6 times ) and never got an answer back. I submitted a claim with PayPal and they denied it saying it was a billing dispute. XXXX opened up an investigation and gave me a credit on my account for {$390.00} the amount I paid for the computer i never got. The next day PayPal also sent me my money back, Im assuming it was because XXXX inquired about my complaint. After a week or so I called XXXX  back to ask them to take back the credit they gave me as I had received my money back from PayPal. Now Im getting emails and phone calls from PayPal telling me I have a {$390.00} deficit on my account and they froze my account until they receive {$390.00} payment. 
I called XXXX and was told someone canceled my complaint with XXXX  and thats why XXXX has not returned PayPals refund. I spoke to XXXX Bank again yesterday ( XXXX ) and they researched the entire process and said I've done nothing wrong and i don't owe PayPal anything that they received there money back. I tried numerous times to talk to PayPal " Limatatons '' department they put me on hold and never come back! I honestly don't know what to do now.
Product: Checking or savings account

I recently submitted complaint XXXX and this is also in reference to that s it is causing further issue in banking for me as a result Citibanks negligence and inability to document properly. 

XXXXXXXX XXXX cshed the check in the former complaint, which was I haad Tuesday afternoon after Citibank as supposed to have issued it to me on Tuesday to my account and they lost my deposit due to some software glitch. They didnt know if they would be able to restore it, And suggested I deposit it again! Knowing how slow they are and the other issues - I told them I would take it somewhere and cash it. Now Citi has flagged my UNEMPLOYMENT CHECK THAT I RECEIEVED FROM THE GOVERNMENT AS FRAUDULENT WHEN THEY LST THE DEPOSIT IN THE FIRST PLACE and XXXX Monday has suspended transactions with me as a result. Maybe this is what they think is fraud, but I think its a matter of Citibank screwed up and all of their staff is out of the country for some reason, and they also seem to have difficult time with docuementing the account. If I can prove all the phone calls to them just in that week alone, Im sure you can Imagine I wasnt just calling to sy hi.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company is trying to collect on a debt that is related to a repossession that occurred sometime in   XXXX  . As I am sure you are aware, Virginia contains statutes of limitations for written instruments including debts. The time period to collect this debt has passed.   Please remove the debt as collectible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I had an account with Conns for a Laptop. I lost my job and fell behind on my debt. I was turned over to collections. I then got a job, a Great job and am now buying a home. In the beginning of the loan process I settled all my debt including Conns. 
I received a letter from creditor saying the debt is satisfied and will be removed from my credit report. Fast forward ... ..less than 2 weeks before my closing date on my home. Credit report is pulled and Conns is still reporting the debt. I called Conns on Friday XX/XX/18 I spoke with Mngr XXXX who assured me it was Conn fault and the would send via email a letter stating the account is satisfied. I did not get the email. I called Sat the XXXX and was told that yes Conns would send an email BUT it could take 72 hrs to receive the email ... .of course I wasn't happy but Conns does not care!!!! Fast forward to XX/XX/18 ... .Still have not received the email. I called Conns again. On the phone 3 different times. They informed me that they will not send an email. They said the letter had to come from XXXX XXXX ... I told them I have that already and I just need the email they promised me. They said no. Conns is prohibiting me from being able to close on my home with the better interst rate. I told them I just want what for XXXX days they said they would provide. This should have been removed from my credit report MONTHS ago. I JUST NEED AN EMAIL stating it is satisfied that's all ... .It has to come from Conns .
Product: Checking or savings account

I had and unauthorized charge on my CHIME account in the amount of {$450.00} on XX/XX/2023 at XXXX I have disputed this unauthorized charge being denied after inquiring about a late provisional credit..So I requested for all documents and measures took to resolve this error..I was promised I would receive those documents within a 10 day time period.. after submitting a rebuttal ( second dispute ) being denied a second time for the outcomeI requested documents also again for the second to get a response that I would get my dispute report documents and any information pertaining to it but I never received anything and I am being completely ignored..Can you help me pleaseThank you Hope you have a Wonderful day!
Product: Credit card or prepaid card

In XX/XX/2022, Barclays permitted someone to access my online account and change my password and mailing address without notifying me. Fraudulent charges were made in Ohio in the amount of {$1300.00} on XX/XX/2022. I notified Barclays and after several months of trying to resolve this, they advised me that chip technology was used, and that I am responsible for the charges. I have not been in Ohio since the early XXXX and the card has remained in my possession. I have witnesses that will sign an affidavit that I was in XXXX XXXX, MO on XX/XX/XXXX. The only way the chip technology could have been used in OH is if Barclays issued a credit card to the imposter they allowed to access my account. To date, I have been unable to resolve this situation. I want my accounts closed with Barclays ; the charges removed ; and any negative reports to the credit bureaus expunged. I have notified the XXXX and the Office of the Attorney General in XXXX. I have a complete record of all of my correspondence.
Product: Debt collection

XX/XX/XXXX I called Santander because I lost a XXXX pts on my credit. 
I spoke to a XXXX, who was the manager. He told me the vehicle was dropped off. I couldnt do anything because it was on its way to the auction. They would sell the vehicle and take it off my credit. On XX/XX/XXXX they emailed me about refinancing the vehicle. I called them. They told me it was a mistake and they sold the vehicle. They took the vehicle off my credit for a few months. Then put it back on there with false history. I asked for the identity theft department. They sent me a packet in 2023 without the info needed to fill it out. They have been no help.