23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2017, our second loan was sold from XXXX XXXX  to Statebridge Company. When Statebridge took over our loan, I had called to setup ACH transfers to pay our monthly fee. They shared I had ACH transfers set up, for XX/XX/XXXX they told me that I was setup with ACH and I would be all set. I double checked when I did not see the payment come out, and called back. It was then shared that I did not have ACH transfer set up, so I made a one time payment and they shared that ACH would then be set up for my next payment. In XX/XX/XXXX I had an ACH payment taken out. But in XX/XX/XXXX did not. Again Statebridge then claims I did not have ACH payments set up. They are very unorganized and every time I have to call back they have no explanation. This company should not be allowed to have my second mortgage, I hope each month that this gets sold to another company. Statebridge is not operating in an efficient manner and I fear there are other customers out there that run into the same issues.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX My computer was pirated by what appeared to be XXXXXXXX XXXX and XXXX XXXX stated do not shut down your computer it has been corrupted with spyware call this XXXX for help. So, I did and XXXX indicated he was the tec that could help clean up the XXXX. After a bit of instructions, he noted that a XXXX had gotten to my XXXX account and he would have a fraud representative call me from XXXX. That person called from XXXX XXXX which is a number for XXXX. He identified himself as XXXX XXXX and asked if we had authorized a {$23000.00} payment to a casino at XXXX the previous night ( XX/XX/XXXX ). My response was NO. so he said he would send an FDIC letter with instructions and we would need to set up a secure account with the exact same amount to allow the XXXX to ask if the false payment was authorized - just say no, and then if the secure account was authorized and just say yes, which would allow that money to then be reversed to return to my XXXX  account. By that time with all of the interruption by the said XXXX tec asking questions and giving instructions I was quite upset. 
Just did not click that the FDIC doesn't regulate Credit Unions. Then the instructions came for the secure account and moneys to be delivered to CITI bank in XXXX, VA routing XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX an attempt to make that as an external transfer through my digital banking did not work so I was instructed to go to the bank in person to get the wire completed which I did- I was also told not to mention anything to the clerks regarding the hacking or the previous fraudulent wire to the casino because someone from the local bank was involved and had authorized that wire. OMG how can those scammers get me so rattled that I could miss those clues. The third person that was involved in the scam group was a man supposed to be from the FDIC named XXXX XXXX and I was transferred to him at some point in the drama. I imagine they will immediately move the funds from that CITI bank to another bank to disburse to themselves. We have asked XXXX to stop the wire and they will contact CITI bank but the wiring form has my signature so that makes it more difficult. I'm not sure who you are but I was looking for someone who could help retrieve our money. The wire was requested to be returned but Citi Bank has not returned the funds. A Call to Citi Bank Fraud department was answered by XXXX who said if I didn't have an account with them he could not help and to call my bank. He wasn't at all interested in blocking the account with his bank to monitor the activity for additional in and out money produced by these scammers. CITI will not let you through their voice mail if you do not have an account with them. I really need some help to get the money back to my XXXX account. There is a XXXX that describes exactly what happens with a XXXX Scam.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues with my open accounts at XXXX and Transunion Credit Bureaus. Despite my repeated attempts to rectify the situation, the problem remains unresolved, causing considerable inconvenience and dissatisfaction on my part. I have been a loyal and responsible customer since then. I have always strived to make timely payments and maintain a positive financial relationship with your company. However, over the past several months, I have encountered repeated problems with my account, primarily related to late billings and inaccuracies in my billing statements. I first noticed the issue with late billings on last month, when my account statement for the month of XXXX was not received until now, well past the due date. This delay has had a direct impact on my financial planning and credit score, as I have been marked as late on my payments through no fault of my own. Despite my efforts to address this issue, which include multiple phone calls to your customer service department and written correspondence, the problem has not been resolved. Instead, I have received only automated responses and generic promises that the matter would be investigated and corrected promptly. However, no concrete action has been taken, and my account continues to suffer from late billings and subsequent late fees. I am deeply disappointed by the lack of attention and urgency given to my account 's situation, and the failure of your company to rectify this issue promptly. As a result, I have decided to formalize my complaint and seek a resolution in a more organized and formal manner. I kindly request that you take immediate action to rectify the late billings and related inaccuracies in my account statements. Furthermore, I would appreciate a detailed explanation of the cause of these issues and a clear plan for preventing such problems in the future. If these matters are not addressed promptly and satisfactorily, I may be left with no choice but to consider legal action or reporting this matter to the appropriate regulatory authorities. I hope it does not come to that, and we can find a mutually agreeable solution to resolve this issue. Please acknowledge receipt of this complaint within 10 business days and provide a timeline for when I can expect to see improvements in my account. I am asking for your help to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

my XXXX $ loan has turned in to {$12000.00} payment that they are demanding in full I am also have XXXX federal charges the they are prosecuting against me XXXX federal banking violation regulation violations XXXX wire fraud and XXXX another XXXX I do n't rememberthis all is because when they went to electronically deduct it from my checking account it was declined because apparently the type of checking account I have does not allow companies to do electronic withdraws and i was n't aware of. So there is where all of the banking violation charges witch turn in to wire fraud etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have lost my wallet few years ago somebody has been using my informations to open credit card account and using it. And all these numerous accounts are affecting my credit score. I need help to stop that scam which is causing a lot prejudice to my financial situation and draining me mentally and physically. I need all those negative rating from my credit report to be removed. Thanks
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent a payment for a. Product I never received. Cash app said to ask the seller for money back. It was declined.
Product: Credit reporting

I just reviewed my credit report and I am disappointed by Experian. There is NO such judgment listed with the Court for the date or the amount listed below : Judgment - Date filed XXXX/XXXX/2015 Case Number : XXXX $ XXXXExperian is subjected to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices, ( Section 1031 of the Dodd-Frank Act ). If this entry was indeed verified, please send me the name and address of the third-party provider or furnisher providing this data, so I may pursue additional legal remedies. Experian is in clear violation and I am demanding a full deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago we were going to claim bankruptcy. We decided not to do so. It still shows we filed bankruptcy. 

Thank You, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute certain entries on my credit report, which I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. In light of the recent legal action against your agencies, I respectfully request that the following item ( s ) be permanently removed from my credit report as they fail to comply with FCRA guidelines and have been identified as a part of your organizations violations in recent lawsuits.

Specifically, the disputed information violates several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) Duty of agencies to investigate disputes According to this provision, upon notification of a dispute, you are required to investigate the dispute within 30 days, and if an item is found to be inaccurate, it must be corrected or deleted. As outlined in the recent lawsuit, your failure to comply with these requirements has resulted in the persistence of inaccurate information on consumer reports.

15 U.S.C. 1681e ( b ) Accuracy of information This provision mandates that consumer reporting agencies must ensure that the information they report is accurate. The disputed information on my credit report does not meet this standard and must be permanently removed, as your failure to correct these errors has been highlighted in the legal action filed against your organization.

The following account ( s ) are in dispute : XXXX XXXX XXXX Opened XX/XX/year> amount of {$2500.00} XXXX XXXX  Opened XXXX XXXX amount of {$760.00} Given that the information reported is inaccurate and non-compliant with FCRA regulations, and in light of the ongoing litigation concerning these practices, I respectfully request that these items be permanently removed from my credit file. 

Furthermore, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide written confirmation of your decision, including the results of your investigation. If you determine that the disputed information is not inaccurate, I expect a detailed explanation and evidence supporting your conclusion, as required under the FCRA. 

Please be advised that under 15 U.S.C. 1681s-2 ( b ), you are also obligated to notify the entity that reported the inaccurate information once a dispute has been resolved. I expect that the removal of these items will be communicated directly to all relevant parties.

In light of the violations outlined in the lawsuit against Experian and XXXX, I trust that this matter will be handled promptly, and I request the permanent removal of the items from my credit report in accordance with the law. 

Please confirm receipt of this letter and the actions you will take regarding this dispute within the timeframe required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Over the course of the last several months I've experienced a growing and continuous problem in dealing with a Citi Card Credit card. It started in XXXX when the company advised me they were 'upgrading ' my current card to a new version of the same card with additional benefits that I never requested, which as I read through the terms actually seemed worse than what I had at the time but that's not the purpose of my complaint. They deactivated my card at the time and never sent a replacement card. When I called to inform them of that I was promised another card in the mail and they would close the active card to prevent any fraud. They again never sent the replacement card. The first time I called back the CS agent took my info had me sit on hold for 15 minutes then hung up on me. The second time I called back I asked for a manager sat on hold for 20+ minutes before deciding to try to handle it with the agent. The agent informed me my account was closed and the only way to reopen it was to re-evaluate my credit as if I were a new applicant. They sent me a derogatory credit report citing too many inquiries against my credit and a unacceptable credit ratio ( as they inquire against my credit ). Mind you their card is my only credit card and I purchased a home in XXXX, and all of those payments are and have been current. The idea that someone who has an account that's active, being paid regularly, under a credit limit and didn't request it closed be closed is absurd. Moreover I know for a fact that a credit card company will not allow you to voluntarily close an active credit card with a balance simply because they expect to make more money off of you. Their practices are at best unfair and likely fraudulent since I never requested them to close this card, but they claim through their CS that's why they did it not to mention I haven't had access to my only CC since XXXX trying to resolve this.
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate information on my credit report. I have contacted the local bankruptcy court in my country and they have no records of a bankruptcy in my name. Account number XXXX should have been removed in XXXX. Please see supporting documents and remove immediately.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are both reporting late payments on an account that was charged off a year ago the XXXX XXXX account has recently closed. I surrendered the vehicle in XX/XX/XXXX, it was immediately sold at auction according to the bank but are still showing late payments as far out asXXXXalso showing my last payment was made XX/XX/XXXX also inaccurate reporting. i want this account remove for inaccurate reportibg immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you
Product: Mortgage

We bought a property n lender sold the loan to another company and did not clear the deed we stuck ca n't refinance did loan mod went on trial payment for six month n lender ca n't finalized my mod due to the original co.put a lein on my property n company no longer exist servicer advice us to file chapter XXXX and applied another loan modification and did that got discharged and now trying to apply another mod and servicer said we 're not qualified because we were late for 40 months now our house is on foreclosure what shall we do?
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX  - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting or other personal consumer reports

Creditor Verification of inaccurate items on my credit report. Credit Report Number : To Whom It May Concern, On ( XX/XX/XXXXXXXX  ), I received my credit report from you, which contained inaccurate information. Specifically, the following items are incorrect : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist of All Communications Account Number : XXXX Dear Jefferson Capital Systems, I am writing to formally request that Jefferson Capital Systems immediately cease all forms of communication with me regarding the alleged debt connected to my account ( Account Number : XXXX ). This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that a debt collector stop contacting me regarding an alleged debt. 

Please take note that your company must also immediately stop all forms of direct or indirect communication, including phone calls, text messages, emails, and postal mail. I also request that my personal information not be shared with any third party without my written consent.

In the event that you believe this debt to be valid, I demand full verification of the debt under 15 U.S.C. 1692g ( b ). Until such verification is provided, any further contact or attempts to collect the alleged debt will be deemed a violation of the FDCPA. 

Failure to comply with this cease and desist request may result in my pursuit of all legal remedies available to me under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm in writing within 10 business days that you have received this letter and that all communication has ceased. 

Sincerely, XXXX XXXX