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

Listed below are Bankruptcy 's regarding inaccurate and unknown things on my credit report. To this day I have not received any proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX XXXX I'm attaching a pic of them mailing info to XXXX XXXX. I have never been a XXXX and never will be Proving they have the wrong person! XXXX has already removed these wrongful listings. I have called Transunion XXXX XXXX who said I need to talk to the Bankruptcy Courts which i mailed them asking why they are telling Bureaus I have an account with them. They said they have no record of me and besides that they do NOT report to the Bureaus. Attached will be a letter from the Deputy Clerk saying such. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days gives reason to remove these items from my credit report. I know they have not investigated this because the BCourts do NOT report to them. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all XXXX Bureau 's data breach and may have gotten into the hands of the wrong person. XXXX removed after I showed them the BCourt letter. 
I have sent a Validation certified letter to the Bureaus. All i got was a letter from Transunion addressed to XXXX XXXX ( is NOT me ) & nothing from XXXX. Per the FCRA they are to present the Validation proof they received and have not provided anything, given that these are not mine I understand. This is why I know the Bureau 's have not validated anything because the BCourts could not validate anything to me! Also attaching Certified Receipts showing I have tried to resolve this and was ignored. I also understand these Bureaus make money by reporting these false claims to stay in business. 
Chapter XXXX Bankruptcy XXXX Court : XXXX XXXX  XXXX... This is NOT a real Court No address included transunion shown in attached Credit Report Chapter XXXX Bankruptcy XXXX Court : XXXX XXXX XXXXXXXX... This is NOT a real Court No address included transunion shown in attached Credit Report PLUS ALL Bankruptcy 's listed show DISMISSED or DISCHARGED. Guess Bureaus missed that in their false reporting. So if they are DISMISSED or DISCHARGED how can they even be reported?? 
Dismissed Law : to put out of judicial consideration : refuse to hear or hear further in court dismiss all charges This case is dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX XXXX and Experian on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Product: Credit card or prepaid card

Citibank XXXX XXXX XXXX- has a huge credit on the account and I requested to either have the huge credit ( due to XXXX refund when insurance actually covered the cost ) moved to a different Citi card or returned to me. 2 weeks later and Ive been lied and it feels like they keep moving the goal post, this is unacceptable for a large company to do or any company for that matter. Details below : XX/XX/2022- XXXX returned an overpayment as my insurance ended up covering the full huge amount ( {$8900.00} ). The refund went to my form of payment which was Citi XXXX XXXX XX/XX/2022 - I contacted Citi to see if the refund/overpayment could be used on my other Citi XXXX XXXX they said no, I then requested the refund to my original form of payment to Citi when XXXX paid off the credit card charge. They said absolutely and that it would be resolved in 3-5 business days and that the balance of credit remaining of {$8600.00} would be returned to my checking account I originally paid the credit card off with. 
XX/XX/2022 - XXXX contacted Citi as I had not received my funds to my bank account and I need to use it to pay off the other credit card and they said on this will be resolved in 1-2 business days and that it was approved and sorry for the delay. 
XX/XX/2022 - I contact Citi as it had not been resolved yet and I was told the issue was it had not been approved. yet ( which the person Monday told me it had been approved ) and that I would have the funds that day, I asked the Citi employee again youre telling me Ill have my funds back today Thursday XX/XX/XXXX before I go to bed I can log into my account and ill see the funds in my checking account. He said yes thats correct. I asked again as thats weird for a bank to do anything same day and even said that sounds really weird and again he said thats correct today. 
XX/XX/2022 - XXXX contacted Citi they said it wasn't approved until yesterday and would be 3-5 business days, I requested a supervisor and asked to escalate and they said sir you will have your funds back in 3-5 business days so the first 3 people totally lied to me, why did 3 employees lie to me and frankly I have zero faith in them that this individual today wasn't lying. I asked the supervisor to enter a complaint for the issue and I also asked to speak to her supervisor she repeated that the funds would be coming back and I asked how is what she telling me any different than the prior 3 liars how and I to trust her, she said this is a recorded line so I can trust her, I then asked are you telling me the first 3 employees from Citi I spoke to and that lied to me werent recorded? Then she hung up on me. Horrific customer service, business practices, horrid levels of honesty at Citibank. 
This is unacceptable that a huge company just lies and messes with consumers!
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks XXXX XXXX
Product: Checking or savings account

I opened a new account with XX/XX/XXXX ( Flagstar Bank ) on XX/XX/year> and deposited {$500.00} by electronic deposit. I deposited an additional {$9000.00} on XX/XX/year>. 

They have put a 9 business day hold on my funds despite being an electronic funds transfer fromXX/XX/XXXXXXXX. See attached screenshot. 

I called the bank on XX/XX/year> around XXXXXX/XX/XXXXXXXX ). The rep I spoke to said it was the bank policy to impose a 9 day hold on new accounts, and that it was spelled out in the disclosures. I had the disclosures with me and asked her to point out where it said that. She said she didn't have the disclosures, but regardless that was the policy. 

I asked then to speak to a supervisor, the rep put me on hold for several minutes, then said no one was available but a supervisor would call back in XXXX hours. As of today XX/XX/XXXXno one has called. 

The disclosures are available at https : /XX/XX/XXXX and the document is attached. They are dated XX/XX/year> and best as I can tell are the current disclosures. On Page 33 of the document ( Page 2 of 2 of the Funds Availability Disclosure ) under " Special Rules for New Accounts '' it states : " If you are a new customer, the following special rules will apply during the first 30 days your account is open. 
Funds from electronic direct deposits to your account will be available on the effective/settlement day of the deposit. ". Under some conditions some deposits are held for 7 days, although I don't see these conditions applying to electronic direct deposits. There is no condition calling for a 9 business day hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been  showing 120 days past due on both XXXX and Transunion since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Product: Debt collection

XXXX XXXX XXXX, given to XXXX XXXX XXXX, given to XXXX XXXX, given to XXXX XXXX, allege that I owe Citibank from over 20 years ago, though Citibank claims I have never had an account. Now that I am trying to sell our home, all of a sudden I have a judgement appeared against me blocking the sale. They can not, or will not, produce a single piece of evidence regarding their allegations. No contracts, no signatures, no receipts. I was never served, nor given a court date to contest this matter, nor contacted in any form, or manner. In spite of numerous FDCPA violations, specifically : 804 ; 805a/b/d ; 809b/c/d ; 813a/c ; 814b ; and others, somehow, they managed to have a court approve a judgement without any proof twenty years ago. I have bought and sold three houses, qualified for mortgages, secured auto loans, etc. Never once in that time has anything appeared on my credit reports. These collection agencies have an unfortunate reputation of conducting this type of nefarious unprofessional business. We need to sell our family home and move. I take care of my special needs younger brother, and I am partially physically XXXX. This is unconscionable to allow this sort of unethical behavior to prevail. Show proof, or drop this matter now. 

Claim : {$43000.00} plus XXXX XXXX interest for I don't know how many years : $ XXXX. 

Judgement made on XXXX but I was only made aware of this two months ago.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reaching out to XXXX XXXX  XXXX Credit Card Services due to information not updated on my credit reports for XXXX, XXXX, and Experian. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Product: Payday loan, title loan, or personal loan

lendmark financial has been approached by us about lower payments due to the stress of changing income source.XX/XX/19 they lower the payment {$30.00} per month, added two insurances that we don't need, and did another hard pull again on our credit report too. that did not help that much. payment is XXXX now for an 2007 XXXX that has been sitting due to it is not safe to drive anymore for more than six months. we still had to obtain another vehicle just to get back and forth to work. rent is XXXX now, lights, insurances, groceries, credit cards and the children supplies. 35.99 % daily is entirely too much. we are drowning trying to keep our credit for a first time car loan.
Product: Debt collection

XXXX and XXXX of XXXX, Alabama XXXX. For four weeks have been avoiding discussing a lien which was placed by American Express. They have since blocked our emails and will not return phone calls. We have reported their behavior to the Georgia Department of Consumer Affairs who'd requested via email that XXXX XXXX from XXXX and XXXX speak with us. We've reported their behavior to the Alabama State Bar. XXXX XXXX failed to follow through on communication after sending our paralegal on a wild goose chase. She has since blocked all communication. In the interim, the buyers are living in my home and I am going into XXXX on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account, and they agreed to cease collection efforts and report to the XXXX collection agencies. However, this collection is still on my credit report, and it needs to be removed. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, The collection agency National Credit System Inc., ( XXXX, GA, ) has refused to stop reporting to the credit bureaus or cease collections for a aged out debt from XX/XX/2015. Which they were misrepresenting as past due rent/eviction and after being confronted of illegally misrepresenting charges and the aged out collection. They changed their tune to collection for damages to the unit. Which is also misrepresented on this time barred aged out debt ( according to Nevada statue of limitations ) where nothing was reported as damages, but maintenance after a unit has been vacated, that's suppose to be the responsibility of the property at XXXX at XXXX XXXX. The unit was cleaned and there were no excessive damages reported that justify these charges. Only regular maintenance after the premises had been vacated. As you will notice the rental agreement wasn't renewed and their actions seem to be a hostile form of relatiation. After later, being made away of the pain and suffering caused from the community pool area. They received written notice, payment of rent and the keys were returned. I don't understand why they would continue to violate the laws and pursue on a non-contract agreement from 2015 unless this is intended to deliberately cause extensive hardship to myself, which it has. There actions has caused me extensive pain and suffering for almost eight years, I'd like it to stop. I've tried to reach out to management at XXXX at XXXX XXXX but nobody has returned my calls. I've tried to resolve this with the collection agency but they have been unprofessional and uncooperative to resolve something that they're aware is creating a great deal of hardship in my life and damaging my credit and living situation. 

I'm attaching a copy of the itemized charges that were vagly explained without any proof to support the charges of XXXX in question.
Product: Student loan

The reason for filling this complaint is that I have not been able to reach a settlement with XXXX XXXX XXXX or Navient on a student loan debt originally accrued from XXXX. 

Original Loan Amount and dates :XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} Total : XXXX XX/XX/XXXX I received a letter from the XXXX XXXX XXXX ( XXXX ) stating that they had contacted my employer for an ORDER OF WITHHOLDING FROM EARNINGS ( see attached document CFPB_GarnishmentLtr_2-16pg1 ). I spoke with a XXXX representative and attempted get clarification on the amount of the depth. I did not receive any assistance. 

XX/XX/XXXX XXXX Began garnishing my wages. I retained the services of XXXX XXXX XXXX XXXX XXXX XXXX ( see attached document CFPB_LawyerLtr316001 ) to negotiate on my behalf. 
XXXX XXXX sent the request on my behalf ( see attached document P16-742_Navient_XX/XX/XXXX ) I also attempted to contact my Employers XXXX XXXX XXXX Payroll office to inform them the amount of the garnishment taken from my pay is larger than the Public Law 102-104 ; U.S.C. 1095 ( a ) allows. No one from the corporate payroll has made any effort to return my request. 

Currently XX/XX/XXXX My biweekly wages have been garnished for a total of {XXXX} ( {XXXX} for XXXX and {XXXX} for XXXX as of : the current date ), at a rate of 25 % per pay period ( see pay stubs date for XXXX and XX/XX/XXXX. This is higher than the amount of 15 % that is allowed under the law. 
My lawyer XXXX XXXX has not received any correspondence from the XXXX, XXXX XXXX or Navient on the original request. I have not been able to reach a settlement or received any statements on the current balance of the depth. 
I have suffered from significant family medical expenses and this garnishment has caused me significant XXXX. I am now to the point that I am unable to keep up with my household expense. I am head of Household and the Sole income for my family. I am no longer able to adequately take care of my family. 
I am at the end of all options and I am asking for assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my THIRD WRITTEN REQUEST and FINAL WARNING, that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights 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 the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and 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 don't 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 the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've 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 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. '' | request that you do this immediately. 

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

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 items have been deleted. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me Physical Proof of your Verification All the names of people you have contacted All addresses that are related to them and phone numbers that way I can do my own follow up What methods did you use to verify the accuracy of these accounts
Product: Checking or savings account

On XX/XX/2019 I checked my Chase Bank Military Checking Account and Notice a {$340.00} deducted from my checking account in which there was only {$83.00} in my account. 
I made contact with IRS Tax advocate Ms.XXXX on my payment modification of {$180.00} a month in which is under review by IRS Administration. 
Payments of {$340.00} shouldn't have been deducted on XX/XX/2019 and overdraft fees shouldn't have been implemented. 
IRS Tax Advocate is working on my behalf on IRS Payment arrangements of {$180.00}. 
She can be reached art XXXX. 

Once IRS agrees on payment modification of {$180.00} than funds will be available on my Checking account.ending # XXXX, on XX/XX/2019. 
I am XXXX XXXX and Retired. 
I am on a fixed income. 
Very Extreme Urgent Matters!
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account The account also shows on different credit bureaus with inaccurate, false, unverifiable and all different information.,
Product: Credit card or prepaid card

I was never late 30 days on this account and i have tried to resolve this with capital one and to come to resolutions but never happened