23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have/had a loan with Citizens One Bank, XXXX, RI, Loan Number XXXX. This loan was procured for me by XXXX of XXXX, New York when I purchased my vehicle from them in XX/XX/XXXX. The loan was for a XXXX. This is one of the diesel cars that XXXX claimed was a fuel efficient vehicle and which was proved not to be and there is a large claim and settlement for this fraud on the part of XXXX. I sold my car back to XXXX on XX/XX/XXXX and I have a letter stating that, as part of my settlement, XXXX will pay Citizens One the entire balance of my loan which at the time of the filing of the claim was {$19000.00}. XXXX did indeed pay the loan on XX/XX/XXXX, and I was told by Citizens One, when I called them to confirm the payoff, that XXXX paid more than the amount due. They were going to issue a check to me for the overdue payment. I received my lien release letter on XX/XX/XXXX, but no check was included with the letter. When I called to ask about the check, Citizens One informed me that the money sent to pay off the loan had been reversed but could give no explanation. I contacted XXXX numerous times and finally on XX/XX/XXXX, and they could not give me an explanation either, only to say it would take 10 days to get me an explanation. I did n't have 10 days because Citizens One expected me to pay the upcoming loan payment on XX/XX/XXXX even though I no longer own the car. I will be filing a separate complaint about XXXX but Citizens One refused to take any documentation from me for the proof of the responsibility for this loan payoff and XXXX and Citizens One are not speaking to each other, even though I have given XXXX the contact numbers and Citizens One refused to take any information from me. A loan dept supervisor named XXXX very nastily told me that Citizens One does n't care what happened to the car, that I am the owner of the loan, and that payment was due and my credit would be adversely affected. Yesterday, I received two conflicting letters from Citizens One. One letter claiming my loan was paid off and the other letter sending me a copy of the check XXXX sent to them which was returned because XXXX apparently put a stop payment on the check. Today, I tried calling all the numbers I could find for Citizens One and their automated phone service would not respond to any of the prompts. I tried each number 2-3 times and the computer generated prompts just kept repeating the prompt numbers, press 1 for ... .etc. No matter what prompt I pressed, the message just kept playing. I have a letter from XXXX stating they will pay off my loan and now the loan is in arrears because XXXX has completely screwed up this whole transaction. I would really appreciate an intervention by any party that can assist me with getting these two entities to talk to each other and stop jerking me around. I also need that loan paid off ASAP.
Product: Credit card

Hi I had a XXXX XXXX credit card that was closed due to a fraud listing on the account I received no notice or a replacement card for this account. I want this account fraud to be removed I want a replacement card and this account restored or given a new account.
Product: Credit reporting or other personal consumer reports

Can I please get clarity on these FCRA consumer laws : 15usc 1637 ( b ) says a collection company MUST let me known30 days ahead of time they plan on reporting & give me time ( 21 days-30days ) to respond.Months ago i proved to you XXXX XXXX XXXX didn't do that and showed you it was removed from every other bueror because of this ; so What part of that law gives them the right to still be on my report? And gives you the right to not hold them accountable?

Consumer law 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY & " transactions '' aren't legally obligated to be reported and even if a company " may '' or chooses to report I have the right to REVOKE my consent at any point for any reason ESPECIALLY if what the company reports aren't the same across all bueros/agencies..

I showed copies and highlighted everything single inconsistency and highlighted where our agreement says " may '' gave the standard 30 days to fix things you guys said verified didn't tell me how different reportings of the same account got validated or which is a violation of Law 15usc 1681e! Right?? 
So how are these companies still on my report if tou are upholding the law??? 

I referenced XXXX XXXX XXXX I referenced FCRA site as well as CFPB for laws even confirmed with chat GPT. You have lawsuits showing you fail to do your job and help us fight for ourselves but you choose to still do wrong. If I have to open a class action lawsuit I will. I will sue for deformation for letting these companies continually positive or negitvley report incorrect information and you give them months to change what should had been changed in days or never wrong! That's a XXXX $ pay out per violation if I really wanted to fight but I just want what's legally due to me. 

If I'm incorrect about these laws PROOF IT using the law and explaing word for word what they mean by the words they say... it's your DUTY to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.
Product: Bank account or service

I opened an account at Citi based on a reward offered. The reward was never given so I closed the account. They then charged me a monthly fee after the account was closed.I called and resolved it and confirmed again that the account was closed. I then received a letter in the mail stating that the account was negative ( as a result of a fee ). I called again and they stated that the account would be closed, however the fee may have go to collections.
Product: Checking or savings account

On Thursday XX/XX/XXXX I ordered groceries from XXXX XXXX. My pending charge was {$360.00}. There were items that were out of stock. My final charge was {$290.00}. I keep every single dollar in my savings account and transfer it as I need it. The charge finally posted in the correct amount but the funds were never made available. When I reached out to the bank they have re ordered charges to make it look like the funds are now being used on pending charges but that is untrue. I transfered money from my savings each time. I am missing at least {$71.00} I'm not sure how many other times this has happened or to how many people.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$58.00}
Product: Mortgage

We purchased a home in XXXX XXXX with a conventional mortgage through XXXX XXXX. It was transferred to XXXX shortly after its inception. We received a notice in XXXX XXXX that the loan would be serviced by SLS. We did not set up an impound account for property taxes when we purchased our home. 
Because of that, we paid our property taxes prior to their XXXX XXXX due date in the amount of {$2500.00}. In XXXX XXXX, we received a check from our local tax collector/treasurer for an overpayment in the amount of {$2500.00}. After a telephone call to the county treasurers office, I suspected that SLS had mistakenly thought that we have an impound account. I promptly returned the check to the treasurer/tax collector with a letter stating that we do not have an impound account -- never have, never will. I also sent SLS an email alerting them of their error. 
Fast forward to XXXX XXXX, when SLS sent me a bill with a notation that I have a delinquent tax advance charge of {$2500.00} that is due by XXXX XXXX, XXXX. Please help. I do not want to pay for taxes that I have already paid. Please note that our local taxes are due in XXXX installments of {$2500.00}. I have paid XXXX installments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account number:XXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX XXXX XXXX, account number : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

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: Credit reporting or other personal consumer reports

A company called fair collections and outsourcing appears on my credit report attempting to collect a debt of roughly {$2700.00} that is XXXX incorrect and XXXX past the statue of limitations and XXXX does not belong to them. This is appearing on my XXXX credit report only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called so many times, I faxed and mailed equifax and I mailed Experian and neither company updates my account with my correct address that I have had since forever. I dont even know how my address got taken off my report or how an incorrect address was put on it. Im so tired of not being able to get my credit reports bc of these two companies. This has been ongoing since the beginning of last year and it shouldnt take this XXXX long for them to update my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove a fraudulent account from my credit report. They are claiming that they verified this fraudulent account. I have asked Experian to send me any contract bearing my signature between myself and this fraudulent company ( XXXX XXXX ) and they have failed to do so. When I asked how this is verified they said they call the company and that is it! I am outraged, that this is what they call verified. I have excellent credit, and to now have my credit tarnished with this fraudulent account, it is unacceptable! I have now filed a police report against ( XXXX XXXX, and Experian ). I will be pursuing this matter it in civil court. This open collection is for XXXX dollars. Date : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to contact all three credit bureaus to get the XXXX and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT Account XXXX Account NameXXXX XXXX______________ Date XXXX Account NumberXXXX  Reason for dispute__INACCURATE_______________________ Account XXXX Account Name XXXX XXXX XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT______________________ Account XXXX XXXX  XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent : Dispute and Request for Credit Freeze - Violation of Fair Credit Reporting Act and Nevada State Law To Whom It May Concern : This letter constitutes a formal dispute regarding the inability to place a credit freeze on my TransUnion credit report. I have attempted to initiate a credit freeze through [ method of freeze attempt, e.g., website, phone ] on [ date ( s ) of attempts ], but my requests have been unsuccessful.

The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-1, explicitly grants consumers the right to place a security freeze on their credit reports without charge. This right is further reinforced by Nevada state law ( NRS 603A ). The FCRA mandates that credit reporting agencies must comply with consumer requests for credit freezes within one business day.

TransUnion 's failure to process my credit freeze request constitutes a violation of both federal and state law. This inaction creates a significant risk to my financial security by exposing me to potential identity theft and fraudulent credit activity. 

Relevant Case Law and Credit Law References : * XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) : This case established the FTC 's authority to regulate credit reporting agencies and enforce compliance with the FCRA. The court affirmed the importance of consumers ' rights to access and control their credit information. 
* XXXX v. XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) : This case addressed the liability of credit reporting agencies for inaccuracies in credit reports and the importance of consumer rights under the FCRA. 
* 15 U.S. Code 1681e ( b ) : This section of the FCRA mandates that credit reporting agencies must investigate consumer disputes and correct any inaccurate or incomplete information.

* Nevada Revised Statutes Chapter 603A : This chapter of Nevada law provides specific protections for consumers ' credit rights, including the right to place a security freeze on their credit reports. 
I demand that TransUnion immediately investigate this issue and rectify the error preventing me from placing a credit freeze on my account. I expect a written response within the timeframe mandated by the FCRA ( 30 days ) that includes the following : * A detailed explanation of the reason for the unsuccessful freeze attempts. 
* Confirmation of the successful placement of a credit freeze on my TransUnion credit report. 
* A plan to prevent similar issues from occurring in the future. 
I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Nevada Attorney General 's office, and the Federal Trade Commission ( FTC ), if TransUnion fails to resolve this matter promptly and satisfactorily. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/20 I was given a XXXX XXXX Notice to Vacate my apartment by my landlord. Complying with this request I was not allowed a final walk through of my apartment. The management of the XXXX at XXXX XXXX located in XXXX Florida, made a decision to falsify a final bill of {$1700.00}. This bill charge me for water for 15 days at a crazy amount of {$170.00}, however my normal bill for water, sewer, and trash was {$45.00} per month, apartment damages {$330.00} and insurance {$50.00} NSF fee {$50.00} just to give you an example of their erroneous charges. This is in retaliation for filing a complaint with the XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX  came back with finding in my favor of Racial Discrimination. Which discredited some of these charges. In an act of further retaliation they have had a collection agency place this derogatory information on my credit and screening report so that I can not rent another apartment, I hired a credit repair group, who had this item removed from my credit report only to have it immediately put back on my credit report. Due to these behaviors H.U.D. has started a new case on my behalf for further harassment. I will go into detail further once I am contacted.
Product: Credit reporting or other personal consumer reports

Theres an unfamiliar account on my credit report that isn't mine, and I suspect it might be linked to identity theft or fraudulent activity.
Product: Checking or savings account

In early XXXX I contacted Capital One to report unauthorized transactions on my account via a XXXX XXXX account that did not belong to me. Capital One issued temporary credits on XX/XX/XXXX. On XX/XX/XXXX, Capital One sent notice that my dispute had been unsubstantiated and closed it. I immediately called Capital One to inquire about the dispute, and they told me it had not been closed. On XX/XX/XXXX, Capital One removed the temporary credits, despite the agent telling me the dispute was not closed ( contradicting the email ). Again, I called Capital One to inquire about the dispute and request documentation via email. Capital One indicated they would further look into the dispute. On XX/XX/XXXX, Capital One sent documentation showing transactions performed on an IP Address that does not belong to me. Capital One claimed this IP address belongs to me, showing serious IT issues in their fraud review department. When I brought this to their notice and asked for contact information to their legal department, they told me the dispute was closed and that they would not respond to additional attempts at communication. Capital One has essentially broken the law that requires banks to ensure customers are not made to pay for fraudulent transactions.
Product: Mortgage

Loan Servicing Company is HOMELOANSERV We mailed our mortgage payment in the form of a cashiers check form our bank on XX/XX/XXXX. On the XX/XX/XXXX we received a letter from HOMELOANSERV stating that our XXXX  payment was not received and now late. I contacted the company and they requested for me to send them a copy of the check front and back to their support email. I did this on XX/XX/XXXX. I checked my online account at HOMELOANSERV 10 days later to see that the payment issue had not been resolved. On Monday, XX/XX/XXXX I called the company again and resent the email of the proof they requested. The person I spoke with told me that it was taking longer than usual but support should have the issue resolved within a few days. 
Today we received another letter stating that they where reporting us negatively to the credit bureaus so when my husband spoke with them over the phone, they said we needed to send another payment for XXXX until they resolved the issue. I faxed the proof they requested today along with a letter that included the issue, our loan number, our address and phone numbers. 

I feel like this company is trying to rip us off almost {$1300.00} and are taking advantage of us, or trying really hard to. But we have proof they took our check and cashed it before it was late and are refusing to credit our account for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing that I opened a credit card with Discover Bank and it's showing that it has a balance of {$2500.00} as of XXXX XXXX XXXX However, I never opened any credit card with this institution.
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. 
XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX {$3400.00} {$3.00}. XXXX  XXXX XXXX XXXX XXXX {$1100.00} {$4.00}. XXXX XXXX : {$5900.00} 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.