23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Heights Finance Corp, XX/XX/XXXX &XX/XX/XXXX : Thank you for sending me your internal records of the debt ( HEIGHTS FINANCE CORP ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting fromXX/XX/XXXXAND XX/XX/XXXXincluding reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Debt collection

A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account XXXX XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

To whom it may concern I bank with Vystar Credit Union in XXXX, Florida. Vystar told the members almost 2 weeks ago that the online banking would be down for the weekend. I have not been able to get into my account in almost 2 weeks. There is no end in sight and no one can tell me when I will be able to get into my account. I am unable to pay bills or see my balance. ATMs were down all weekend and the customers are getting upset. This is unacceptable and should have been rectified weeks ago. The CEO continuously tells us to be patient but it is not their money they can not access or bills unable to pay.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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/XXXX
Product: Payday loan, title loan, or personal loan

Citizens Bank stopped billing auto-payments for my XXXX XXXX XXXX without explanation and I am sure in error, threatened my credit score, yet will not provide a means to fix it. 

Purchased XXXX at XXXX store using their annual upgrade program. XXXX employee assisted to set up a Citizens Bank loan and auto-payments from my credit card. Auto-payments worked fine through XX/XX/XXXX. 

Starting XX/XX/XXXX, I received emails ( see attached PDF ) stating my payments failed. There is no reason for it to have failed because I have no issues with my credit card and there have been no changes such as new expiration date. No other payments have done this. 

The exact language was, We were unable to successfully process the scheduled recurring monthly payment for your XXXX loan XXXX. Please update the payment information on your XXXX loan at appleloan.citizensbank.com, or call us anytime at XXXX. 

I have tried getting help via the phone number provided in the email and other Citizens Bank customer service numbers but was unable to connect with a person to learn what is wrong. Over 15 calls and no combination of IVR selections lead to a human. ( Regarding this, their web page contact us was misleading in that it implies getting help from people, not limited to an IVR machine with limited choices. ) As suggested by Citizens Bank, I registered web access to the account at Citizens Bank online account and tried to fix it there. I verified the credit card number was correct, per last 4 digits ( redacted in attached PDF ). The buttons to manage the payment always went to a blank page. I verified my browser reader mode and blockers were off. I finally found a page that worked via the menu. I tried to edit the data, updating the blank CVV field but the continue button was gray and would not function. 

I contacted my credit card company to see whether they could help. They confirmed there is no issue with my card. They confirmed the last payment XX/XX/XXXX was successful. They had no record of any subsequent payment attempt. That contradicts the Citizens Bank record that says an attempt was made on XX/XX/XXXX and declined ( see attached PDF showing transaction declined ).
Product: Payday loan, title loan, personal loan, or advance loan

I requested a loan and paid it off. Speedycash sent a receipt. 5 months later they said my bank retracted the payment. My bank told me they didn't retract any payment. I ask Speedycash to show proof via ledger or in house documentation of this retraction and I'd pay the loan but thay have refused. I've emailed over 35 times requesting information and sent bank statements yet no responses. I've also spoken with collections department and managers over 45 times since XX/XX/2022 and problem still not resolved. They refused to send me proof of retraction. They also show my loan as defaulted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 
This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 
Attached to this correspondence, you will find documentation supporting the validity of my claims. the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 
This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 
Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Product: Debt collection

The accounts attached to the document are in detail of accounts that were not created by myself and were fraudulently opened in my name.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to Experian legal. Complaint number XXXX. Experian has yet to provide me with their method of validation. Experian states account was verified XX/XX/year> in which is only 14 days later, report number XXXX is that a reasonable investigation? when their website states it takes 30 days. I have also requested their method of validation in which I have not received and the looted time frame under FCRA has passed. What in the date and time this information was sent to the company? How was XXXX XXXX  account verified. Who did Experian speak to at the company? What documents was provided for verification? What sources verified this account? What are the dates and times this dispute was sent to the company? How was 100 % accuracy verified on this account? Was this done electronically? Please advise how and when this account was verified and by whom. Please provide all information provided to assure a reasonable investigation was conducted within the 14 days and not 30 days Experian took to verify the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX keep saying its my account and its not I had this problem going on 3yrs. I even called XXXX  and reported for thus company to be removed cause its showing on my credit twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excellent credit XXXX XXXX and XXXX XXXX as reported to me by XXXX XXXX XXXX today XX/XX/19, without charge. 

I applied to XXXX XXXX for a credit card, as of XX/XX/19, and received in the mail from XXXX XXXX XXXX XXXX  explaining what a credit report was, that Experian had reported a FICO score of XXXX, and that " under federal law I could obtain obtain a copy of my report from Experian for 60 days without charge. I tried to obtain a copy of my credit report from Experian online today, XX/XX/19. At XXXX I received an email from Experian to veriy my info, and received a free " 'credit report which did not include a FICO credit score. and no way Ito request a free copy., Instead, it offered numerous services, including a monthly update service for a {$21.00} fee, and a 7 day trial for the FICO score and demanded a credit card for {$1.00} non refundable, and no way to dispute my right " under federal law ''. Experian rated itself XXXX " very good '' ; falsely rated XXXX XXXX XXXX " good '' ; and XXXX  XXXX " very good '', in contrast with their ratings in the first sentence above. My only recourse is this CFPB Complaint. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed during the Equifax data breach
Product: Money transfer, virtual currency, or money service

My client made a wire transfer from XXXX to my savings account in Marcus Goldman Sachs IMAD number XXXX for amount of {$190000.00}. 

XXXX confirmed that the funds were delivered to Goldman Sachs, but the funds were never credited to my account and Goldman Sachs is telling the are unable to trance the funds with the IMAD number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.
Product: Checking or savings account

I opened the online banking account with Chime, out of nowhere they closed my account. I have sent every documet they ask for in order to get my refund back. They keep saying I violated their agreements and hold the funds.
Product: Debt collection

A male called from ( XXXX ) XXXX. I've informed AAA Collections XXXX Advanced Asset Alliance Company ) that I am a XXXX XXXX and DOT regulated. I informed them that I will need to be contacted via mail due to my work hours and being unable to be on the phone and drive. The male on the phone became hostile after I asked my request and he started harassing me about whether or not I'll even pay a debt or do my responsibilities. I informed him multiple times that I need to get off my phone and the agent wouldn't comply and only continued to verbally harass and belittle me. This took place today XX/XX/2023 at XXXX. I'm unaware as of the amount at this time, since I've yet to receive any info in the mail on this claim.
Product: Credit reporting or other personal consumer reports

All three credit bureaus ( Experian, XXXX, XXXX ) continue reporting a XXXX XXXX auto loan with XXXX XXXX XXXX coding errors. The account shows " OK '' status in XX/XX/year> sandwiched between charge-off statuses in XX/XX/year> and XX/XX/year>. This violates fundamental credit reporting standards. Additionally, XXXX reports a high-credit amount of only {$3600.00} while the other bureaus show {$25000.00} - a {$21000.00} discrepancy that proves data corruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : 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 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 Department of EducationXXXX 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 XXXX XXXX XXXX XXXX. The reported balance and payment history of these accounts are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 
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 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 Department of Education/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 XXXX XXXX XXXX XXXX XXXX 
The reported accounts status and dates of last activities for these accounts are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account ( s ) was resolved and should be reflected accordingly. The failure to accurately report this information is a drect violation of the FCRA.
Product: Credit reporting 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$11000.00}
Product: Mortgage

Started the process to refinance my mortgage in XXXX with XXXX. I was working with XXXX XXXX, loan advisor, to set up an appraisal. Appraisal was completed on XX/XX/XXXX and sent to a processor. We were notified on XX/XX/XXXX that the processor completed the review and we were now able to lock rates, that were now higher due to the time it took the processor to complete their tasks. On XX/XX/XXXX our file went to underwriting and were told that they had everything they needed. Throughout XXXX and XXXX I would ask for a status and was told they were almost done multiple times. I received a credit score information disclosure letter that another credit score was created on XXXX at XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX also pulled my credit report at the time we submitted the application. I was never informed that my credit would be pulled again and now my score is being impacted because of " too many inquiries last 12 months ''. I have asked multiple times why my score was pulled again with no answer. We started the refinance process in XXXX and are still waiting for it to be completed 6 months later.
Product: Checking or savings account

Cashapp allows you to send money to your account and between cashapp accounts but will not let me use my card for any purchases for over a week. They will not give me any reason why they are being declined. I can not withdraw my money from ATM, you can only send it to a bank account for a ransom fee. If your services dont work why am I able to give you my money? And then XXXX cant remove it without paying you a fee. When you ask the reason why they can not find out, they can not tell you and they wont tell you what is needed to turn the card back on. Managers are supposed to reach out for assistance through email but it is never received. Its been almost 2 weeks without being able to use my account and no assistance. Fraud at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, Sent a letter to XXXX, Equifax, XXXX, And XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting or other personal consumer reports

I was checking my Credit on the XXXX XXXX  and notice some inquiries that I had know idea about.
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns about multiple issues I have encountered with the credit bureau. After reviewing my credit report, I discovered several inaccuracies, including false account listings and unauthorized inquiries. These discrepancies are negatively affecting my financial security, and I seek your prompt assistance in resolving them.