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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

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

I am writing to formally dispute the accuracy and validity of the following collection accounts that appear on my credit report. These accounts do not belong to me and must be verified or removed under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines. 

The accounts in question are as follows : XXXX XXXX XXXX : {$2500.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$3700.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$7100.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX : {$1000.00} ( Reported : XXXX XXXX, 2024 )
Product: Credit reporting, credit repair services, 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 XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 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: Money transfer, virtual currency, or money service

On XX/XX/year> around XXXX I loaded XXXX to cash app within that hour I get a text stating I am unlinked from my account with cash app I had to call customer service the next morning because the service line was closed so Ive got them on the phone they helped me get back in my account but didnt refund me my money and then I get unlinked from my account for the second time after this time they were no longer trying to help me
Product: Credit reporting or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion is required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''. Transunion has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) they were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in the previous letters are not deleted immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Transunion fails to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Consumer Loan

Hello, I had a loan with RoadLoans in XX/XX/XXXX, repoed in XX/XX/XXXX. RoadLoans was bought by Santander in XX/XX/XXXX. I filed bankruptcy XXXX discharged in XX/XX/XXXX. Case # XXXX. RoadLoans and Santander is part of my filing. 

RoadLoans and Santander take turns appearing in my credit reports as late payments. I have called them. I sent a certified letter telling them to stop and comply with a federal order. 

I am applying for a FHA ( possible USDA ) loan. I have to write a letter explaining my late payments with my student loan and bankruptcy. Apparently RoadLoans/Santander appeared again on my credit report as unpaid. 

I am asking for assistance in this matter. 

Respectfully Yours, XXXX XXXX
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX of XXXX, I made a purchase at the Kohls 's retail store for {$100.00} using my XXXX XXXX credit card. After about 1 month I received a letter from Kohls 's charge with an invoice of the same amount. I immediately called explained the situation and disputed the charge. I was given a fax number to submit the documentation ( this is where all the problems started to occur. I tried to fax the information to the number I was given which was XXXX. I tried a minimum of XXXX times ( using both provided numbers ) to fax the documentation, and the number was always busy. I called and was given another fax number which was XXXX, and that number was also busy. I spoke with a rep and was given an email to submit the information too. On XX/XX/XXXX I submitted an email explaining the situation to Kohls and did not receive a response. I then called and was told the case is under investigation. At this point, I was called every week or 2 to check in on the status of the dispute and after about 1 month received a letter saying I did not submit any documentation. This is exactly what's been going on between me and kohls for the last several months. I even mailed in a letter to their XXXX XXXX XXXX on XXXX XXXX, XXXX XXXXXXXX, yet they still would tell me they did not receive anything. I spoke with a Kohls Rep and got approval to send another email of the documentation, which I sent on XX/XX/XXXX. Moving forward they stated the case was under investigation for about one month. I kept following up every other week and was told once they receive the documentation they will remove the charge from the account. 

The Kohls team was not willing to help me with my situation and was only worried about their credit balance being paid off. I spoke with a Kohls 's rep yesterday for XXXX minutes to try to get the case resolved and they were not interested in help, rather were pressuring me to pay the balance of {$340.00} dollars. Then the rep started to put words in my mouth which I never said. This has reached a point where I can no longer waste any further time to speak with any of them. I will leave all documentation I have for review. 

Thank you for your help.
Product: Mortgage

In XXXX of 2021, I applied for the third time an application for mortgage modification. I have submitted documents as they were requested in a timely fashion. The process has drawn out 6 months. 

XX/XX/2021, I was told that my original application for modification was expired, and that I would need to submit an entirely new application by XX/XX/XXXX. I resubmitted an application. 

I was told on or about XX/XX/XXXX that the application was complete and was being sent to the underwriters for review. 

On or about XX/XX/XXXX, I was told that I would need to upload a previously uploaded lease that was in their possession as well as a written statement of income and another signature on the application. Those documents were uploaded on XX/XX/XXXX. I was told that the application would be closed on XX/XX/XXXX if all of the documents were not received. I contacted the mortgage company on XX/XX/XXXX and was assured that the application was complete. 

On XX/XX/XXXX, I received a letter stating that the application was incomplete as they were still missing the lease submitted o n XX/XX/XXXX. 

In a phone call today XX/XX/XXXX, I was told they were still awaiting the lease that was sent on XX/XX/XXXX. 

The phone agents are doing their best to push the information to the underwriters, however there is a disconnect which is preventing my application for modification a proper review. 

I would like a proper response from the mortgage company to reopen the application and process it for a modification prior to my home going into foreclosure. I have submitted every documentation asked for in a timely fashion. So that I can keep my home.
Product: Credit card or prepaid card

I disputed an unauthorized charge made to my personal Citibank Preferred credit card from a merchant called Vivid Seats LTD on XX/XX/2020 in the amount of {$8600.00}. 
However, on XX/XX/XXXX I logged into my Citi account and became aware that Citibank resolved the dispute against me despite the evidence I presented showing the charge was unauthorized. When I last filed a complaint on CFPB, the status of the Citi dispute was CLOSED. However it has now been REOPENED and new information has come to light. 

This is related to my previous CFPB complaint XXXX, however this complaint is regarding the UNREASONABLE LENGTH OF TIME THIS COMPLAINT HAS BEEN OPEN DUE TO CITI 'S MISHANDLING OF THE INVESTIGATION. 

On XX/XX/2020, I requested the evidence that the merchant sent to Citi that resulted in their resolving the dispute against me in a phone call ( spoke to XXXX XXXX, and the rep at Citibank put in a request, stating I would receive a reply within XXXX business days. I never received said evidence. 

After I followed up AGAIN via email demanding the evidence the merchant sent, Citibank reopened the investigation and on XX/XX/2020 emailed me to inform me they had sent along my dispute to the merchant and that the merchant would have until XX/XX/2020 to reply. This is not acceptable. I opened my dispute on XX/XX/2020. Citibank did not perform even a basic investigation. They never reached out to the merchant prior to CLOSING the dispute. Only until I continued to press the issue did they EVER reach out to the merchant - FOUR months after my initial dispute date. They did not perform their basic duties to protect me, the card holder, or follow basic protocol and procedures for dispute investigations. 

It has now been 4.5 months since I opened my dispute with Citibank and to this day my dispute is still in limbo. Given Citibank 's severe mishandling of my dispute, I am requesting that Citi close the dispute in my favor immediately and return the funds to me.
Product: Checking or savings account

I have been a Citibank costumer for the past XXXX plus years. I was recently the victim of bank fraud in the form of XXXX stolen checks. Thanks to a very supportive and resourceful employee at my local branch I was able to recoup the amount of XXXX of the checks fairly quickly. Getting back the second check 's funds ( {$2100.00}, made to XXXX XXXX, cashed XX/XX/2022 ) however, has been a nightmare. Citibank maintains they are fully insured against fraud, and that this check is part of the same problem we had with the other one, but they have refused to issue provisional funds to my account while they conduct the investigation. In fact, they been stalling me for XXXX plus months -telling me that the process is now in the hands of XXXX XXXX XXXX -a financial institution I have no relationship with whatsoever, and that therefore has no interest in resolving the matter. When I call Citibank costumer service for updates they tend to be not only unhelpful, but rude and dismissive. The paperwork I receive, via e mail ad snail mail, on the case is irrelevant or, even worse, promotes Citibank 's other services. The personnel at the branch, on the contrary, tries to help. But all their promises to follow up go nowhere as it turns out they really have no direct access to details of what is going on and to the person charged with investigating my case. They are powerless by design, just like I am. In the middle of this Kafkaesque corporate scenario, I have been paying bounced checks penalties ( the account had to be closed so payments that were out were rejected ) and late payment utilities fees, while XXXX XXXX is charging me interest on the missing {$2100.00}. It's really hard to believe that the financial institution in charge of protecting my funds and my interests is doing such a poor job at both. The functioning of their fraud operations seems hill conceived to the point of adding burden to the victim, rather than helping her/him restore what was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been working very hard to upgrade my FICO scores i have brought my score up to XXXX with XXXX ,XXXX with XXXX XXXX but EXPERIAN refuses to update my score they have it at XXXX i have called repeatedly, i have joined their monitoring service all in hopes of getting them updating my score when i called i went through the whole phone tree until i was finally was able to speak a representative XXXX she was unable to answer any of my questions, she passed me off to - a area supervisor XXXX XXXX refused to explain their company 's scoring formula as if her, XXXX, XXXX, and XXXX were siting there calculating algorithms that i was to simple to understand. 
A perfect score is XXXX, mine is XXXX I asked why my score was 145 points lower than the best score possible her answer was -there were 3 negative factors first, was a delinquent medical bill ; which was paid in full a that point and that was reflected in my score with the other 2 major agency 's also, one credit card was over the 100 percent credit limit in the recent past, but by the time we spoke that account had been paid down below 90 % percent of the credit limit, also reflected in my scores with the other major agency 's third MOST importantly my DEMOGRAPHICS " my demographic s '' i asked her was it because i was XXXX or XXXX what demographic was damaging my score ; she refused to answer, she said the matter would be referred to the regional supervisor, its been 5 days i have heard from no one and my score hasn't changed still XXXX  according to experian these conversations were recorded any help is appreciated
Product: Prepaid card

I tried to withdraw XXXX XXXX  from the ATM  using my dasher direct debt card on XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX didn't any money dispense but it was still taken out of my account when I spoke with them they told that the investigation should take 60 days to complete and I won't be able to get my funds back before then I explained that my rent was do and I could not wait for 60 days to get my money back they said that this is a business card and a provisional credit do not apply I told them that this card is protected and falls under the cusumer protection law were a provisional credit is issued to the customer if the investigation is not resolved 10 days, my rent is do tomorrow please help me resolve this before the XX/XX/XXXX or a late fee will be added to my rent and Will go on my credit
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I bank with M & T Bank for over 10 years. I received a letter sometimes in XX/XX/2023 stating that I needed to call the bank to update my personal information on our joint account. I did so via phone and was asked to provide my citizenship and employment information. When I asked if my spouse needed to update here information as well, I was told that no need for that as I was the only person that needed the update. On XX/XX/2023, I found out that M & T bank froze all of our accounts, rejected my direct deposit from my employer, returned couple of payments ( credit card and car payment ) I am now going through a financial hardship as a result. I called the bank and spoke to a supervisor as he was able to identify the issue. He removed the hold that was placed on both of our accounts and advised that I will need to deal with employer and the other companies who payments were rejected. We have never received an official notice that our accounts are going to be frozen nor we received any notice about updating my spouse personal information. I need this matter to be investigated and requesting a remedy from M & T bank to compensate for this financial hardship that was caused as a result of the lack of communication and disclosure to consumer. Thanks in advance for your assistance with this matter. A Congressional complaint will be filled against M & T bank followed by this complaint to your organization.