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

XX/XX/22 - I submitted a complaint towards XXXX, XXXX, and Trans Union regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX 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

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXXXXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/2017,
Product: Bank account or service

I deposited a Foreign Bank Check on XX/XX/2017 at my local TD Bank Branch. 
I received a 'Credit Advice ' communication, dated XX/XX/2017 from TD Bank acknowledging that funds were received from the foreign bank and that the funds were credited to my account on XX/XX/2017. 
The exchange rate ( XXXX to USD@XXXX ) used by TD Bank on XX/XX/2017 was significantly lower than market rates. 
On XX/XX/2017 the funds were still not in my account. 
I called XXXX and talked to customer service agent who transferred me to another department where I was on hold for 15 mins plus before I hung up. 
I then went down to my local branch to ask about the missing deposit. They are looking into it and will get back to me.
Product: Money transfer, virtual currency, or money service

I made an instant Cash App Cash Out Transaction on XX/XX/2020 for my entire cash app balance, which was {$15000.00}, to my new bank account, and was assured that the withdrawal should be completed in 1-3 business days. After waiting 3 days and verifying that all the information was correct, I still had not received my funds. I contacted Cash App support and they refunded me my instant deposit fee of about XXXX XXXX but told me to continue waiting as my remaining funds still had not settle in my account, after reaching out to my bank they told me they received an alert from CashApp saying the funds were to be debited, but they were never released to them, my bank is with XXXX and I have never had any problems receiving money with them before. I reached back out to the Cash App support team and they sent me the XXXX Transaction Details, and instructed me to give XXXX the retrieval reference #, which I did, and XXXX escalated my case to their HQ, which has now informed me that the XXXX Transaction Details that Cash App support gave me is actually insufficient information, and XXXX is not able to locate my funds with that reference number, instead they are asking me for a # that should be recognizable by MasterCard, as the transaction was made on the XXXX ( XXXX ) issuer network, and they have convinced me that there was some kind of error made there. Both Cash App and XXXX  use XXXX  Debit cards so im confused as to what involvement XXXX  might have, but at this point, almost two weeks later, I have received no viable response from Cash App as to what to do next. I was told by multiple Cash App agents that my case had been escalated, but still have not received any follow up. It seems as though it is impossible to speak to anybody over the phone and this entire situation as easily been one of the worst experiences of my life. I have desperately tried reaching out to Square HQ, XXXX XXXX, XXXX, XXXX XXXX XXXX, literally every company I know thats involved w/ Cash App to try to get to the bottom of this situation as I do not know who else to seek help from. To make matters worse, my Cash App account was closed about 3-4 days after my cash out but the funds never even hit my account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple fraudulent Inquiries have been found on my credit report. Please remove all inaccurate inquiries I have listed, the following includes : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 hand written instructions.
Product: Mortgage

XXXX-Called to request an escrow analysis due to a decrease in my property taxes. I was told there would be a yearly analysis done in XX/XX/year> XXXX Called to see the status of my escrow account and to report misinformation. The mortgage company, newrez, indicates on their website that escrow analysis for those in XXXX  XXXX is in XXXX. Not as previously indicated on XX/XX/year>. The person had very broken XXXX and was of no help. The phone was answered by XXXX. 

XXXX Called and requested an escrow analysis as well as filed a grievance about the XX/XX/year> interaction. Was told it would be XXXX days, but since I filed a grievance this may escalate my request. The phone was answered by XXXX. 

XXXX Called to see the status of my previous request. The agent proceeded to tell me they had taken on XXXX accounts due to a merger and they were behind. I asked to be escalated to a manager who I could speak with. I was put on hold 4 times, coming back on to my call to let me know they were trying to find someone. The agent came back on to tell me they had spoken with XXXX who was going to escalate my request and this should be done within XXXX business days. The phone was answered by XXXX. 

At this point, I don't have much faith in their process. They currently have an overage of {$3700.00} in my escrow account with no upcoming payments due. They will continue to receive {$460.00} a month for escrow, while my total insurance and property taxes are currently about {$2000.00} a year until my escrow has been reevaluated.
Product: Debt collection

To Whom It May Concern, I am writing to formally request that LVNV Funding LLC immediately cease all communication and collection activities regarding the alleged debt associated with me, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c ( c ) ).

This letter serves as notice that I dispute the validity of the alleged debt and demand that you stop all attempts to contact me, including but not limited to phone calls, letters, emails, or any other form of communication. Any further attempts to collect this alleged debt, including reporting inaccurate information to credit bureaus, may result in legal action.

Under the FDCPA, you are legally required to comply with this request. If LVNV Funding LLC believes this debt is valid, I request full verification of the alleged debt, including : 1. The original creditors name and proof of assignment to LVNV Funding LLC 2. A detailed account history, including all payments and charges.

3. A copy of any signed agreement or contract stating that I am responsible for this debt. 



If you fail to provide adequate verification and continue collection efforts, I will be forced to pursue legal action for violations of my rights under the FDCPA and any applicable state laws. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office if necessary. 



This letter serves as my formal request, and I expect written confirmation of your compliance within 30 days of receipt. 



Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On or around XX/XX/XXXX Id purchased a vehicle via Mercedes-Benz Financial and they have been reporting my payments to all three ( 3 ) credit bureaus up until XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). In addition to my complaint, this car was paid in full on or around XX/XX/XXXX via a letter Mercedes-Benz Finance themselves. 

Spoke with a rep at the company and they informed me that they havent been reporting to the bureaus due to this pandemic of the Coronavirus but Im abstruse because prior to this pandemic they still werent reporting anything in regards to this account to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted experian, XXXX, XXXX to freeze my accounts. In the morning I had two more credit checks from XXXX XXXX and XXXX XXXX which I did not recognize. I called experian again and this fraudulent person had my account freeze reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX that I had an unpaid account with CITI. I never opened a credit card with CITI and I disputed the claim. XXXX notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with CITI.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX  XXXXnquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I have been trying to close a checking account with TD Bank because I now live in an area without any branches. However, they keep saying they can not do it with an instruction. Then, they also keep charging me maintenance fees on the account, which has no activity at all. Then they tell me they can not close the account because it has a negative balance. So I cover the fee, and they still do not close the account. Of course, they keep charging maintenance fee on it, and it seems like they plan to just keep making me pay maintenance fee on an account I do not use. I would like to know what they are doing to " maintain '' my account, and why they can just ignore my repeated requests to close the account.
Product: Debt collection

A lady named XXXX claimed to have my personal information but wouldn't tell me what conpany these calls were coming from i found the letter called back and told her everything had been paid and to stop calling she continued to call and verbally abuse me and put a false report on my credit despite calling the original creditor and clarifying and informing her. She is a creul person with many complaints in the XXXX reviews and XXXX  reviews i thing this is fraud
Product: Checking or savings account

I currently bank with Navy Federal Credit Union. I recently made a deposit of {$3500.00} that my brother loaned me. This check was to help me pay some bills that I am behind on. Navy Federal has frozen my accounts and locked me out of my account. Furthermore, they withdrew funds from my daughter 's account to back pay some of my bills without my consent or my daughter 's consent. When I called to speak to a representative, I felt they made threats to me about canceling my accounts and me not being able to bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a contract with Level One Law in XXXX First payment was XX/XX/2022 of XXXX XXXX a month. I made 5 payments of XXXX. Totaling XXXX. They said I had 30 days to get a full refund I did not see that in the contract. Besides what I have been told they can not use my funds except for a settlement and no settlement was ever reached. One time they told me fees would be paid in XXXX another time XXXX of XXXX. I know if you they reach a settlement they can deduct their fees for that settlement. But nothing more and as stated earlier no settlement was ever reach
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX ( XXXX ) opened a account to send money international but they closed the account without any prior information. also not able to reactivate account. 

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

I called XXXX and spoke with XXXX, who asked me for my account number at XXXX. I did not have my phone number, but I had the account number that the collection agency had given me, XXXX. He stated that the information was not correct and that I would need to answer security questions. I told him I did have that information, only the information that was given to me by a collection agency. I told him I did not understand why I would receive a bill now when I did not receive one when I transferred to XXXX. But now that I am not with XXXX now, I have a bill that I am not aware that I owe. He told me if I could not authenticate my information that, I had to contact the collection agency, and that was all that he was able to do since the account had gone into collection. I asked him if there was anyone else I could complain to. I want to do that. He stated I would have to contact the collection agency if I needed assistance. I attached the information from the agency, and I recorded my call with the agent.
Product: Debt collection

I received a call from a Debt collector ( Law Offices of Harris & Zide XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXToll Free : ( XXXX ) XXXXFax : ( XXXX ) XXXXEmail : XXXX ) about a debt that is over 4 Years old and I did not remember to be Mine. 
the Statute of Limitation in California is 4 Years and this Debt is much older. They totally ignored these Facts and also did not validate the Debt.
Product: Debt collection

Citi is in default and contempt of court because they have intentionally not followed the XXXXXXXX XXXX instructions to commence arbitration for an alleged debt I do not owe. A case Citibank filed against me for a debt I do not owe was dismissed by the XXXX because we have a binding arbitration agreement that Citibank tried to ignore. I am attaching a copy of the case jacket proving the case was dismissed along with a the XXXX XXXX ordering Citibank the XXXX to commence arbitration. After the case was dismissed, Citi got a different attorney ( XXXX XXXX ) from the same law firm XXXX and XXXX to use abusive and deceptive practices in violation of Sections XXXX and XXXX of the FDCPA to try to coerce me into paying a debt I do not owe. In this same communication from Attorney XXXX XXXX, XXXX and XXXX failed to include the standard mandatory disclosures regarding disputing and validating a debt that is required by Section XXXX of the FDCPA. This harassing communication from Attorney XXXX XXXX is in retaliation for a recent request I made to Citibank which was received on or about XX/XX/year> ( a copy of which is attached ).
Product: Credit card

Citibank has wrongfully refused to credit my account with {$120.00} in Dividend Dollars. Balances of {$8100.00} on my XX/XX/XXXX statement and {$3900.00} on my XX/XX/XXXX statement, which were both paid in full in a timely manner, were not credited with a total of {$120.00} in Dividend Dollars. By letter dated XX/XX/XXXX Citibank stated that the " Dividend Dollars earned on your statement Dated XX/XX/XXXX caused your total Dividend Dollars for XX/XX/XXXX to surpass the {$300.00} maximum. '' What {$300.00} maximum? 1. Although I always understood that only {$300.00} in Dividend Dollars could be redeemed in any year, in previous years in response to my explicit question Citibank representatives informed me that Dividend Dollars would continue to accrue to my account and could be redeemed in future years. 2. In all previous years that I have redeemed Dividend Dollars, Dividend Dollars have indeed continued to accrue to my account beyond this supposed {$300.00} limit. 3. The statement from Citibank accompanying my redemption check, dated XX/XX/XXXX, stated " remember to use your Citibank Dividend Card everywhere-the more you use it, the more cash you earn! ", but Citibank 's refusal to credit me the {$120.00} in Dividend Dollars makes this assurance completely false. Indeed, this supposed policy of not allowing Dividend Dollars to accrue after a {$300.00} redemption would be counter-intuitive even from Citibank 's perspective, as it discourages their customers from using their card! 4. At or about this same time, although I did not request it, Citibank increased the credit limit on this card to {$20000.00}, stating " with an increased revolving credit limit, you can use your card for more purchases and continue to enjoy 1 % cash back on all purchases. '' Again encouraging me to use the card and assuring me that Dividend Dollars would be credited to my account, an assurance that Citibank now refuses to honor. 5. In an effort to resolve this situation, I called Citibank on XX/XX/XXXX and discussed the facts with a Senior Customer Service Representative called XXXX. XXXX could not tell me why I had not been credited with the Dividend Dollars, but referred the matter to their rewards audit department, resulting in the letter referred to above. If this supposed {$300.00} limit were really the policy, how is it that a Senior Customer Service Representative did n't know about it, and if she did n't know about it, how should I, the customer, know about it? If there is such a policy, and I had known about it, I certainly would have used a different credit card to make purchases after redeeming the {$300.00}. For all these reasons, I again request that Citibank credit my account with {$120.00} in Dividend Dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a negative charge off and loss. Reporting that it is paid and not current. This is incorrect information. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal. I have sent the letter that was sent via XXXX. XXXX. I demand that this be deleted.