23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a Platinum Citi card, and I missed paymebts due to unemployment. I contacted Citi cards to bring the account current. I was informed the account was being handled by XXXX XXXX. I contacted XXXX XXXX to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the XXXX and XXXX representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and XXXX representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted Citi Cards to make a complaint. They informed me that a payment was not due for three weeks. The XXXX XXXX representative is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexus has been using my information with out my consent I demand of removal and monetary relief immediately. 

My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Capital One Finance a request to update the Pay Status on or about XXXX. This is separate from a previous dispute regarding the correct payment date. 
1. XXXX updated the report to show XX/XX/XXXX as the correct date. 
2. If the maturity date was XX/XX/XXXX, the item can not be counted as late on XX/XX/XXXX. The date of XX/XX/XXXX would actually be the first late day, as you can not count XX/XX/XXXX as late. From XX/XX/XXXX ( the first late day after maturity date ) to XX/XX/XXXX ( date I paid and effective date ) is 29 days. 
3. 29 days is still not 30 days, therefore the Pay Status needs to be updated to reflect that I was not late. 
4. The delinquent note from XX/XX/XXXX which initiated this dispute, needs to be removed from my report. 
5. XXXX deliberately refuses to correct the PAY STATUS error as I submitted this complaint directly through XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHIT THR FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX ACCOUNT XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PROVACY.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}.
Product: Credit reporting or other personal consumer reports

RE : Formal Complaint for FCRA Violations and Illegal Re-Aging of Child Support Account Account Number : XXXX Dear Sir/Madam, I am submitting this formal complaint regarding illegal and inaccurate reporting of child support obligations on my credit report by [ Name of Furnishing Agency or Creditor ], which is in direct violation of the Fair Credit Reporting Act ( FCRA ). This correspondence serves as both a dispute under the FCRA and a notice of potential legal action for willful non-compliance. 

Legal Basis for My Dispute 1. Illegal Re-Aging of Delinquency Dates : Under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ), delinquent accounts can not be reported for more than seven ( 7 ) years from the date of first delinquency. Despite previous disputes, [ Name of Furnisher/Credit Bureau ] has illegally re-aged my child support account by updating delinquency dates to more recent periods, artificially extending the reporting period. 
This practice is unlawful unless there is documented proof of a new, separate delinquencywhich I demand to be provided. 
2. Violation of Accuracy Obligations : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure the maximum possible accuracy of the information reported.

15 U.S.C. 1681s-2 ( a ) mandates that data furnishers must report accurate information and correct errors promptly after a dispute.

3. Failure to Conduct a Reasonable Investigation : Despite submitting prior disputes, the credit bureaus and furnishers have failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ). Simply updating dates without verifying the legitimacy of the information violates this section.

Formal Request for Action Pursuant to the FCRA, I am demanding the following : 1. Immediate Investigation : Conduct a thorough investigation of the illegal re-aging of my account XXXX. 
2. Deletion of Inaccurate Information : Remove all improperly reported child support delinquencies and any re-aged data from my credit reports with [ XXXX, Experian, XXXX ]. 
3. Proof of Verification : Provide written documentation verifying the source of the reported delinquency dates and any supporting evidence that justifies recent updates. 
4. Notification of Corrections : Notify all parties who accessed my credit report within the past six ( 6 ) months of the corrections made. 
5. Written Confirmation : Provide a written response within 30 days as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Notice of Legal Intent If these actions are not taken within the required timeframe, I will pursue all available legal remedies under the FCRA, including : Actual damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Statutory damages Punitive damages for willful non-compliance XXXX fees and legal costs
Product: Credit reporting, credit repair services, or other personal consumer reports

In total, fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent which is significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Included is documentation I've from the XXXX XXXX XXXX which confirms that these debts have been consolidated.
Product: Mortgage

In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX.
Product: Debt collection

XXXX XXXX account closed and showed a balance of {$1000.00} that was payed in full on XX/XX/2024. Ive attached a letter to remove the item off of my credit report. 

XXXX XXXXXXXX
Product: Debt collection

Please be advised that the options above do not describe the issue at hand. We are trying to clear title for property at  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX   XXXX   XXXX   XXXX  holds a lien on the property that we would like to negotiate a settlement for and obtain a release of lien. We have written to their attorney, Overton , Russell , Doerr and Donovan , LLP and the letter was sent on   XXXX  . They have not responded. Today I called their office to confirm that they have received the letter. The receptionist was being very difficult and would not give me any information. She kept stating that they could not give me any information on the account. I acknowledged that I understood that and wanted to speak to an attorney there to discuss. She would not pass me through to anyone, would not give me a fax number to resend my letter, and kept stating she would not help since I did not have the debtor 's authorization. I again acknowledged that we were not asking for any privacy or debtor info, and that debtor no longer owns the property and I have authorization by the new owner. She did not care and kept telling me they would not give me any information. She would not listen to what I was saying and would not pass me on to anyone else in the office to discuss the matter with. I am uploading our original request that described the issue in detail.
Product: Debt collection

An accident occurred on XXXX involving two vehicles, one which was my property and the other that belonged to a XXXX insurance client. both our testimonials contradict the other but there has been no police report and no in person evaluation of the accident that occurred that day. I had a chance to speak to an insurance agent who explicitly explained that there was no type of evidence, digital or testimonial that could support or give advantage to either party. I was recently contacted by a company called afni, who on behalf of XXXX XXXX informed me that I may be liable for payments XXXX  has made to its policyholder. Approximately {$2000.00}. Both of these companies have failed to provide significant evidence that indicates my liability for this debt. I was also informed of the probability of legal action in my turn and would like your assistance in ceasing the situation. 

Thank You. Along with this I have attached a copy of the letter that I received.
Product: Credit card

I ordered a refrigerator from XXXX, but was notified that it was out of stock, to order a different one. I found another for XXXX. It was delivered and I put it into a XXXX XXXX XXXX XXXX. The next month on XXXX my citibank app suggested to put my purchase onto a XXXX XXXX. I thought I made a mistake and put it into XXXX XXXX # XXXX. This amount was XXXX. Citibank readded the canceled refrigerator onto my card as XXXX XXXX XXXX. It never left the warehouse! I was paying for 2 refrigerators. I canceled XXXX XXXX and it was canceled from XXXX but the balance of XXXX was added back onto my standard purchases. I had made 3 payments of {$110.00}. I have made at least 25 call and written a certified letter. I escalated my complaint in XX/XX/XXXX. They sent it to an analyst in SD. XXXX added my purchases and fees from XX/XX/XXXX to XX/XX/XXXX. It was {$22000.00}. My payments and credits were {$21000.00}. Balance XXXX proving I was overcharged by {$1200.00}. My bill showed a ballace due of {$2200.00}. Citibank won't respond or give written explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, XXXX   and TransUnion. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.
Product: Credit card or prepaid card

Several issues. 

I have tried to dispute charges, as XXXX from XXXX on XXXX statement, but they refused to open XXXX. 

Have made a dispute with XXXX for {$10.00} the sided immediately with XXXX, as if any XXXX charge is valid, although XXXX says they canceled the charge. 

On XXXX made a purchase with XXXX, which target refunded {$5.00} but Capital one never posted. 

On XX/XX/XXXX I tried to make a payment, as I always pay by the due date in full, their website couldn't take payment kept posting try later .... 

The same day as the due date they posted a late fee, I called them spoke to XXXX  amongst several people, realized of their mistake and credited the late fee charge right away and saw that I made payment, whom he assured that not interest fee will be posted as full payment was received and processed a date later ( due to Capital One 's isues ) however I was tackled interest fee of {$28.00} on XX/XX/XXXX. 

Most of their employees act XXXX, when they hear that the issues is a dispute and or credit request they disconnect the calls, a conspiracy to defraud cardholders. 

I sent and email to customer service and the ceo, no one replied.
Product: Credit reporting or other personal consumer reports

My repeated efforts to rectify the fraudulent, inaccurate, and misleading entries on my consumer report have been ineffective. These erroneous items have severely disrupted my life, causing considerable anxiety and distress. I must emphasize that, as a victim of identity theft, I never authorized or consented to have this information associated with my identity.
Product: Debt collection

convergent collection agency sent me a letter saying I oweXXXX I don't have a XXXX account and never did. They say I lived XXXX XXXX XXXX I never did. they are harsh. I just had a XXXX and I'm recovering. I don't under stand why
Product: Student loan

I've been calling my loan provider, Mohela, for weeks, and they haven't accepted my calls or provided me with a callback. My loans should be deferred, but they aren't, and I can't speak with an agent to fix the issue, and my loans are accruing interest every day they refuse to take my call.
Product: Money transfer, virtual currency, or money service

The customer sevice said that she was going to help me with XXXX and did not assist me. I am still waiting. I have a goverment licence for XXXX and I spoke to XXXX XXXX and told her that I have to register the XXXX XXXX funds for my compensation for my program. She said ok. I explained to her that the XXXX XXXX agent said that the computer device to register the XXXX XXXX funds was at payomatic and that the computer has been there for a long time. The agent told me this in 2015.  Please note that as a licensed contracter, please notify the payomatic director XXXX of my rights to register my XXXX XXXX shareholder funds. XXXX said that she would speak to anyone who can call her to let her know that I am ready for the funds to be released from XXXX XXXX. The XXXX XXXX  agent said that the computer device to register these funds is at payomatic and she told me that in 2015. I  already confirmed with the Federal Trades Commission with proof of funds and I already confirmed with the XXXX XXXX agent XXXX XXXX and she said that my funds are ready to be released as a grant XXXX licensed with the federal government. Please let the payomatic director XXXX know that I am ready to retrieve my funds.
Product: Checking or savings account

Citibank does not properly disclosure how the state the account is created in impacts your future use of the account. I had a Citibank account in NY for 10 years. Then I created a joint account in California. The accounts can not link or work together. Then when I created a third account online ( so it would work with the NY account ), they said ALL my accounts would be cancelled if I did n't verify the second signer address ( despite having just done that in branch ). I was not informed of this at creation.
Product: Checking or savings account

Wells Fargo opened an account under my social security number and date of birth, it has been affecting my credit and information and that person has been using my info to get apartments and fraud on my credit card. I have complained to Wells Fargo and still nothing has changed and I am still able to log into Wells Fargo and open the checking and savings account online at WellsFargo.com. All Wells Fargo did w as mail me a fraud kit to pay them money to fix a problem they created.     After I logged into  WellsFargo.com the first time I made a complaint to CFPB and Wells Fargo. Then a few weeks later, I logged into WellsFargo a nd I noticed they changed their mailing address of the person who was using my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I did not authorize for this company to pull my credit
Product: Debt collection

XXXX XXXX XXXX with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like Portfolio Recovery. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.
Product: Debt collection

I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

I made a payment to Mohela in the amount of XXXX toward XXXX of my student loans on XX/XX/2023. Initially, the amount was applied to those loans. I later requested for a refund of payments made between XX/XX/2023 and XX/XX/2023. They agreed to refund my payments, but I never received the refund. My balances were reinstated to what they were before the payment. The transaction of XXXX was deleted from my payment history. I have asked for XXXX  months about this issue and Mohela just ignores me or responds XXXX weeks later with something that is not even helpful. They have taken my money and now it is as if I never made the payment. I have the confirmation email from the payment as well as my bank statements proving they withdrew the money and never refunded it or applied it to my balance. They stole XXXX from me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressor these violations.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Charged off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open Inquiries in DIspute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know when this credit card was opened and I've been living at XXXX XXXX XXXX, XXXX Ks. So get your facts right. My number is XXXX. I've had my identity stolen twice. Do I need to send you my papers from the federal government website?