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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Debt collection

I did not have a the opportunity to dispute the following accounts : ASSOC CREDIT SERVICES : XXXX XXXX XXXX  : XXXX Also, I have sent certified mail requesting validation of debt and method validation. 

This is response should have been delivered within 15 days and it have not.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I've received abusive calls/voicemails letters etc ... from Sunrise Credit Services , Inc. without my consent. I received threats to report my information to Credit Agencies, and that they are attempting to COLLECT A DEBT. Oddly, after I sent Certified and Notarized mail ( through their Registered Agent XXXX XXXXXXXX XXXX ) requesting Sunrise Credit Services , Inc to provide proof of any contract to collect or a contract with wet-inc signatures binding myself and Sunrise Credit Services , Inc . I received no response to date. Sunrise Credit Services , Inc. willfully and fraudulently obtained my information without my prior consent and has provided no contract to collect which is identity theft, fraud, and violation of my private rights as a consumer by reporting PRIVATE information to collection agencies without proof of any contract between myself and SUNRISE CREDIT SERVICES , INC . 

Please see attachment.
Product: Credit card or prepaid card

In XX/XX/2020, I entered into a payment arrangement with Citi to pay off my Citi XXXX XXXX, XXXX, agreeing to pay {$200.00} the XXXX of every month for 60 months. 

In XXXX and XX/XX/2020, I transitioned to a new financial institution, opening a new checking ( and savings ) account at XXXX XXXX XXXX XXXX XXXX XXXX/acct # XXXX ) after a horrific year with my longtime bank, XXXX  XXXX XXXX XXXX XXXX # XXXX ). As part of this transition, I had to complete financial paperwork, change direct deposits, update automatic payments, contact banks, creditors, companies, etc., as needed, to ensure a smooth transition in regards to all my credit, debit/bills. 

Despite multiple attempts, both online and over the phone, I desperately mailed Citi a certified letter on XX/XX/2020 because I WAS ABSOLUTELY UNABLE TO UPDATE MY PAYMENT INFO IN ORDER TO MAKE MY XX/XX/2020 PAYMENT ON TIME. 

As I feared, Citi attempted to draft the {$200.00} payment as scheduled from the wrong account, which did not have sufficient funds. Thus, the payment was returned, and my XXXX Citi payment remained unpaid, in violation of my payment arrangement. 

Subsequently, I was able to go online to my Citi account and update my bank account info and schedule a payment ( only AFTER violating my aforementioned payment agreement by missing my XX/XX/2020 payment, rather than in ADVANCE as required, despite the fact that I expended a massive amount of effort to make it happen!, to no avail! ). This was done on XX/XX/2020. I assumed the payment was thus taken care of. 

The following, which currently remains unresolved, and remains a total mystery to me, is why I was charged numerous overdraft/NSF/returned items fees from BOTH XXXX  XXXX XXXX and XXXX XXXX XXXX, BOTH before and after my payment of XX/XX/2020 ( which would not have been late or returned but for the literal impossibility to receive help from Citi on updating my banking info on a closed account in a payment plan ) and why/how/what/when was actually transacted between Citi and XXXX and Citi and XXXX, because my Citi account only reflects, seemingly, two transactions in attempt to draft payment, while I was charged four fees over a more than two-week period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information? According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Checking or savings account

Us Bank sent me a letter stating customer negligence caused my check to be cashed to wrong account. 
I would like to attest that it was US bank Negligence. 

I use epay and at some point US bank removed the name XXXX XXXX from the top of my check at some point. I was unaware. So US bank is the majority of cause in all of this. They altered my epay check without notifying me. Had I been aware, I would have corrected it. Us bank altered my epay check. My checks had XXXX XXXX 's name followed by account number!!! 

I have spent 4 months trying to get my XXXX dollars back. 

I want their finding corrected and to start taking responsibility. I trusted you with my money for 20 years! My checks should have never been altered without alerting me.
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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I just received a call from Bank of XXXX they said the won't be able to receive a transfer due to my account being closed they adviced me to contact you to provide new information refer to file I attach with this message Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Product: Bank account or service

On XXXX XXXX, 2016 I was contacted by someone from a Santander Bank branch in XXXX asking if I was in the state of XXXX because someone was in her branch with my account number & an ID. I immediately called the customer service number on my debit card. As I was on the phone with customer service I logged into my account & discover someone has taken XXXX separate with drawls out of my savings account. XXXX at XXXX branch {$5500.00} cash, {$2000.00} in a cashier 's check. XXXX {$6000.00} cash at another branch all in XXXX. I was connected to the fraud department. I was told I had to go to a branch location with my ID to prove I was in XXXX. All of my accounts were frozen ( checking & savings ). I had to go to the Police Station & file a report. On XXXX XXXX I inquired on the status & was told I needed to get a copy of the police report before the investigation could be completed. On XXXX XXXX I went to the police station picked up the police report brought it to my branch. It was faxed to the fraud department & I was told it would be a few days before the investigation was completed. On the XXXX I called the fraud department because I was concerned that my bills were not going to get paid & my direct deposit was scheduled for the XXXX. I was told the investigation was still in process & could n't give me a date when it would be completed. On the XXXX I called the fraud department AGAIN. I was put on hold so she could contact the investigator. I was told my money would be back in my account by the end of the week. I checked my account several times on Friday XXXX XXXX & my money was not in my account. I called yet again & was told I had to go to a branch someone could help me there. I explain the situation to the 3rd person in this branch & then was told the fraud department was closed for the day so there is nothing he can do for me. He printed my profile took my cell phone number & promised he would follow up with the fraud department in the morning & call me. I never heard from him. On XXXX XXXX I filed an online complaint with the XXXX office, I have not heard back. I contacted XXXX. They gave me the phone number to OCC. After speaking with the OCC I was told I have to contact Consumer Financial Protection Bureau. It is now XXXX XXXX. It 's been 27 days since my money was taken. I have no answers. My money has still not been replaced. I do not want to speak to another person at that bank, the fraud department or the branch. I am extremely frustrated with this whole situation & do not understand what is taking so long to replace my money. This was the banks error for allowing someone to walk into branches in another state & with draw large amounts of money out of my account. I feel I have had to jump through hoops. Prove it was n't me. Take numerous hours out of my work day between having to go to branches & phone calls. I am hoping someone can help me please.
Product: Credit card or prepaid card

On XXXX, an amount of {$72.00} was posted on my credit card from a merchant called " XXXX XXXX ''. I contacted my bank and explained to them that service has never been provided by the merchant and I disputed the charges. The transaction was made online and the merchant should issue a voucher but no voucher has ever been received from the merchant. I contacted my bank multiple times but they seem not to take appropriate actions regarding this fraudulent charge. 
XXXX is an online marketing website which give discount for some businesses and when you made a business transaction with them, they issue you a voucher that you take to the business to get admitted. For my case, I booked a basketball game event through XXXX but they never issue me a voucher for the event. So I wasn't allow to attend the basketball game event that I paid for through XXXX because they failed to provide me with the service
Product: Credit reporting or other personal consumer reports

Transunion is reporting income to consumer 's report. The IRS has accepted this as reported income and XXXX cancellation of debt by XXXX Department XXXX account number XXXX was received from IRS. Transunion is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Product: Credit reporting or other personal consumer reports

company name, XXXX XXXX Account # XXXX DATE OPEN XX/XX/year>XXXX  I am writing to formally dispute an inaccurate late payment entry reported on my credit report/account for the billing cycle ending on ( XXXX ) ( XXXX ). This entry is Incorrect, and I am requesting an immediate investigation and correction in accordance with federal law. 
Under 15 USC 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless it has reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before the payment due date. Based on my records : I request the following actions : 1. Conduct a thorough review of the alleged late payment.

2. Provide me with documentation proving compliance with the 21-day notice requirement for this billing cycle.

3. Correct the inaccurate information on my account and credit report.

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I expect a written response within the legally mandated timeframe. 
Thank you for your immediate attention to this matter. I have attached copies of relevant documents for your reference.
Product: Debt collection

Diversified Adjustment Service, INC which is a collection company violated my consumer rights pursuant to the FDCPA on XX/XX/2021 which they're attempting to collect in the amount of {$1500.00}. I sent them an affidavit of truth along with an invoice which amounted in the total of {$14000.00} to collect remedy for their violations. They sent me a letter compiled with multiple violations under the FDCPA which included : 1. 15 USC 1692f 2. 15 USC 1692c ( a ) 3. 15 USC 1692b ( 5 ) 4. 15 USC 1692d 5. 15 USC 1692e 6. 15 USC 1692b ( 2 )
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ) Block and Remove
Product: Credit card or prepaid card

I booked a trip to XXXX through XXXX, using my Cashapp card to make the monthly payments of XXXX for 6 months. The company XXXX shut down XX/XX/XXXX using the pandemic and did not refund payments to me. I filed a complaint with Cashapp and was told that they couldn't do anything because the transactions were over 60 days. 
I used the pay delay plan which I was to pay ( which I did XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XXXX and XXXX in XX/XX/XXXX. They did refund the 1 payment for XXXX but are refusing to go after the other months. I have constantly explained to them that there is no way for me to contact XXXX and they are still refusing to help. 
I have lodged complaints about XXXX to every site I could think of trying to secure my money back and no one seems to be able to do anything. PLEASE HELP. Thank you.
Product: Credit reporting or other personal consumer reports

I checked my credit score on my XXXXXXXX XXXX app. in late XXXX and noticed that my XXXX XXXX had fallen about XXXX points. After looking at my report I found XXXX late payments reported to my credit. These XXXX late payments were all from the student loan servicer XXXX. These late payments were posted on XX/XX/year>. I called XXXX and they had no record of me having a current student loan with them. After they investigated further, XXXX found that my student loans were serviced by them in the past ( XXXX ), then transferred to another servicer ( XXXX ). My XXXX account shows that the loan was paid in full and closed once it transferred. I asked XXXX if I had any late payments during the time they serviced my loan. My account did not show any late payments. Further, I asked if they had reported late payments to the credit bureaus and they said no. 

I submitted disputes to Experian and XXXX. XXXX did not have record of this late payment reporting. After Experian and XXXX 's investigation they reported back that they contacted XXXX and XXXX disagreed with my dispute and that there was not an error in their reporting the late payments. Experian and XXXX said I needed to contact XXXX. 

I called XXXX again and explained the credit reporting dispute results. I asked if they had been contacted by the bureaus. They said they had not and that they had not sent any statement to the credit bureaus about disagreeing with the dispute. I'm not sure how the investigation yielded a statement of disagreement from XXXX if XXXX wasn't even contacted. I asked to speak with a manager and she confirmed that there was no record of being contacted, or contacting any credit bureaus. I asked XXXX if I could get a letter stating that I did not have late payments and that they did not make any report to Experian and XXXX. They were not able to provide me with anything. XXXX suggested that I call the credit bureaus. 

Again, I called Experian and XXXX. They were not able to help resolved the issue and directed me BACK TO XXXX. 

I have been going back and forth between credit bureaus and XXXX and neither can give me an answer about the late payments reported on my credit. No one can provide evidence of the late payments. XXXX said all my accounts were paid in full and closed and there was no evidence of late payments. If XXXX is saying they never reported late payments to the credit bureaus and the credit bureaus are reporting that they spoke to XXXX how is this issue going to be resolved? 

I have impeccable credit. This is evident in my credit report history. No late payments until this student loan with XXXX. It is concerning that no one can seem to figure out who or how it was reported. I need help figuring out how to clear these false reports from my credit.
Product: Credit reporting or other personal consumer reports

I have submitted an ID theft report from the ftc as well as a police report regarding the identity theft and they have still been reporting this account on my credit file.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit card

I along with XXXX others lost our American Express cards when XXXX severed its relationship with AMEX. I tried to look up past AMEX statements online but that information has been destroyed. What am I to do? Here I try to do the right thing by " going paperless '' and now have no access to my statements!
Product: Debt collection

Tried to reach Cooling and Winter attorneys at law in XXXX, GA for a judgement for garnishment filed in a county that I do not reside in and sent to an address that I haven't ever resided at. This debt is not owned by me or owed.
Product: Debt collection

I sent an Affidavit of Truth stating that Mid-South Adjustment CO. and the XXXX XXXX XXXX XXXX violated 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) ( A ), and 15 USC 1692e ( 3 ). I would like to state that Mid-South Adjustment CO. and The XXXX XXXX XXXX  have violated my rights as a protected consumer under 15 USC 1692.
Product: Credit reporting or other personal consumer reports

a Credit builder account was fraudulently added to my credit report after someone applied for it without my knowledge or consent. the name of the company is called " grow credit ''.
Product: Bank account or service

Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me.
Product: Mortgage

I have always paid on time on my mortgage but it shows as 60 days late payments which is not true.