23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint Regarding Unjustified Locking of Funds by US bank I am writing to bring to your immediate attention a distressing situation I am facing as a customer of US bank. My account, holding a significant sum of {$87000.00}, has been locked for an unnecessary investigation without any valid explanation or timeline provided on XXXX of XXXXXXXX XXXX. 
This sudden and unjustifiable action has left me in a dire financial predicament. As a result of this freeze, I am unable to pay my bills, meet financial obligations, and crucially, my business operations have come to a halt. This situation has caused immense stress and uncertainty, jeopardizing both my personal finances and livelihood. 
I implore your urgent intervention in resolving this matter promptly and ensuring that US bank addresses this issue with the seriousness and urgency it demands. Your swift assistance in unlocking my funds and providing clarity on this unwarranted investigation would be greatly appreciated.
Product: Student loan

In XX/XX/XXXXI went to XXXX XXXX XXXX XXXX for about 2 years. I got a student loan to help me. I have been trying for nine years to get a decent payment to pay this loan back. My loans in the beginning was about 6 or 7 thousand dollars. Then I got a letter saying that my loans were divided into four loans at 6.8 % interest. I tried to consolidate, they said I couldnt because of the Direct loan. Im paying very high interest rates. Im getting nowhere, I owe around {$28000.00} and it just keeps going up. I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that if I didnt pay more money they were going to garish my wages. I called these people and ask about consolation, so they did that in XX/XX/XXXX this year, sent me a letter saying that I pay XXXX a month until XX/XX/XXXX. In between those times, I had to send my income tax return, check stub, all the documentation they ask for. Theyve sent me a letter every week saying they need this or that. So, I went online to XXXX  I found out they were fake, so I dont have a clue as what I need to do. I work with the XXXX XXXX, XXXX XXXX. since XX/XX/XXXX. I was hoping I could get loan forgiveness with XXXX XXXX after 10 years. Im XXXX years old, Ill be on Social Security in 2 more years. Ive never made a lot of money all the years Ive been working, I just dont know if I can pay my bills and most of my check going forward student loans. All I would like to do, have a payment that I can afford and pay every month because theres no way I can get this paid off before something happens to me. 
Thanks, for listening
Product: Credit card or prepaid card

To whom this may concern, I have been trying to contact EPPIcard inquiring about my unemployment card that my unemployment benefits have been going onto and I have not even recieved this card and have no way of accessing anything or anyone reguarding this issue. so now i am reaching out to you in hopes that we can get something figured out before I no longer have a home because i cant access my money in any way.
Product: Credit card

Customer Service XXXX. XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX This letter concerns account # XXXX XXXX XXXX XXXX. Cardholder name is XXXX XXXX. Address is XXXX XXXX XXXX, XXXX, Illinois. Any additional cardholder information can be provided on request by calling XXXX. 

For the XXXX billing period, the amount owed on the account was {$22.00}. The due date was XXXX XXXX. Payment was sent on time, but, probably due to the XXXX weekend was not recorded until XXXX XXXX. The delay in payment, at the very worst was one day. If the payment had had been recorded on XXXX XXXX, the balance on the account would have been XXXX. Instead, a late fee of {$24.00} was assessed ; this late fee is in excess of 100 % of any amount owed ( but paid ). 

Upon contacting customer serve, representative number 1, insisted that the assessed late fee was correct and adhered to policy. Representative number 1 could not explain precisely how {$24.00} was calculated. She was more concerned with explaining the loss of rewards if the card were cancelled. I asked for a supervisor. After XXXX minutes a representative from XXXX came on the line. Interestingly, she could not help with the TJ Maxx account. 

Representative number 2 was similarly as confused as Representative 1. Instead of reading the late fee policy aloud with me, in order that we might both begin to understand it, she transferred me to a supervisor. The supervisor promised to resolve the problem by agreeing to eliminate the {$24.00} fee. 

The purpose of this letter is : 1. To make certain the {$24.00} fee is removed from the account 2. To notify the appropriate governmental agencies of the excessive late fee policy. 
I am still curious how the amount of {$24.00} was determined. 

Thank you for your time and effort. I look forward to hearing from you in the near future. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XXXX/2022XX/XX/year> Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry XXXX XXXX/2022 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card

no resolution of issue no ability to speak with anyone in credit office as all accounts are joint accounts no fraudulent activity was done the error was a keystroke or bank error totaling a whopping XXXX dollars which was returned to my sons account they are XXXX realistic as i have been a customer since XXXX
Product: Credit reporting or other personal consumer reports

The information provided for these accounts is incomplete and inaccurate, violating my rights under the FCRA. According to the FCRA, consumer reporting agencies, like TransUnion, XXXX, and XXXX, are required to maintain accurate and complete information in consumer reports.I demand that TransUnion, XXXX, and XXXX takes immediate action to remove these accounts from my credit report. Additionally, I request a thorough investigation into these discrepancies to ensure the accuracy and completeness of my credit report. 
Trans Union XXXX XXXX XXXX XXXX  {$440.00}, XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX {$630.00}. XXXX : XXXX XXXX {$440.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}. XXXX : XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXXXX/XX/XXXX {$440.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX I spoke with XXXX XXXX I stated to her that one of my workers fraudulently took a loan with my social security number I asked her to provide me validation of this loan she said that she couldn't provide me with a promissory note I signed furthermore XXXX XXXX XXXX is not the company who provided the funds for this fraudulent loan of XXXX but is reporting for XXXX opened XX/XX/year> Account # XXXX this is a clear violation of FCRA codes I need this account removed from Equifax as soon as possible also my info my be part of a data breach by Equifax.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX : XXXX, Account name : XXXX  XXXX XXXX, Account name : EPT OF XXXX XXXX, Account name : XXXX XXXX AND CO XXXX XXXX Account name ; XXXX  XXXX  XXXX XXXX XXXX Account name XXXX XXXX, Account name has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card

On or around XXXX I received a letter saying that my credit card would be cancelled. I requested to reconsider this request as my credit report had been drastically altered within the last 60 days. I submitted this request via phone on XXXX, as well as by mail on XXXX. Citibank failed to supply requested documents and the outcome of the appeal. I have called multiple times and have spent over XXXX cumulative hours on the phone. I am perpetually transferred between Fraud and Customer Service with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX , GA XXXXXXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies used my credit without my consent : XXXX XXXX, personal Inquiry date : XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I kindly request the complete and timely expungement of some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e, 15U.S. code 1666b Timing of payments.

Whenever a consume 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. 
Please remove the inaccurate 30 day late from the following account XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX credit company constantly did not remove or investigate incorrect information on my credit report after I disputed them several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the company on my credit report SOLOMON & SOLOMON P C with an Account Type as collection, Status Closed and Paid. I asked them to remove this from my reports and to show me evidence that I have a contract with them. I wrote to them from XX/XX/2018 and to date I have not received a response. I would like this negative to be removed from my credit reports as it is causing a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial is a collection agency. The placed a major derogatory collection account on all three of my credit reports for {$1000.00} for some unknown medical fees. I contacted them via letter requesting all information concerning alleged debt, such as who the original creditor is, address, contact info, etc. All they could provide to me was their own computer print-out with no description of any kind as to what services were provided and by whom, and no other information whatsoever. The supposed services were from XX/XX/XXXX. I contacted them again by phone on XX/XX/XXXX and spoke with " XXXX ''. He could provide no further information, saying only that the medical group or original creditor had written off the amount a few years ago and that XXXX XXXX was now the owner of the written-off debt. I was then told I needed to file an ID theft complaint and a police report. I did that and faxed it to them. Commonwealth and XXXX XXXX are notorious shake-down operators that attempts to extort money from persons by damaging their credit until you pay them off. They should be shut down and put in jail.
Product: Debt collection

This is the 2nd ( 3rd party ) collector to try to collect a debt that is not mine. Please verified or delete from my report
Product: Debt collection

This is a follow up to XXXX # XXXX and XXXX. 

My apologies for opening another case regarding the same matter referenced above. But I received this email today and I believe this is the pattern of communication which will eventually reach the XXXX XXXX XXXX Department. 

If I do not respond by their XX/XX/XXXX deadline, they will automatically write up the levy and the XXXX XXXX XXXX Department will then automatically execute the levy to garnish my account, no questions asked. 

Please follow up to prevent this from happening again. 

Sincerely, XXXX XXXX
Product: Debt collection

I do not recognize this derogatory account listed on my credit report. 

This account was paid in full with XXXX XXXX and I would like it removed immediately. 

All dates are on the screenshot submitted.
Product: Mortgage

Today is XXXX XXXX, 2016. My realtor and I have attempted to get in contact with Flagstar to sell my house for two years. After my initial complaint, it seemed that we did get a bit further with my file and a buyer 's offer was accepted. On XXXX XXXX the buyer requested an extension for the closing date. Our single point of contact initial was XXXX XXXX, then the file was passed on to XXXX XXXX, who never replied to any emails or phone calls concerning the selling of my home. Today both my realtor and I called and was given the Team Leader 's name which is XXXX XXXX. The rep seemed pretty helpful and told us that all we needed to do was provide XXXX XXXX with the Hud1 final and the Closing Document. We sent that over immediately while on the phone with the rep. Everything was confirmed and she replied that he would get back to us by the end of the day. This was at XXXX. Confirmation of receipt was provided around XXXX, called back at XXXX, confirmed reviewing of documents, called at XXXX, XXXX XXXX and XXXX XXXX XXXX were gone for the day. I personally called at XXXX and recorded this message and they told me that they will email again and to call at XXXX central time XXXX. Closing is at XXXX. tomorrow XXXX XXXX, 2016 and we have been trying to get information from Flagstar since XXXX XXXX, 2016. Please help!
Product: Debt collection

Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come Que Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers The, untess the information is outdated under section bUs or can not be verified Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. 
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date. XXXX XXXX XXXX  need to be remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX/XXXX/XXXX ) 2 ) XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX ( XXXX/XXXX/XXXX ) 4 )  XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX ( XXXX/XXXX/XXXX )
Product: Mortgage

On XX/XX/XXXX I sent my mortgage company my payment for XX/XX/2022 through XXXX XXXX I sent the third party because this company foreclose on me previously and I did a loan modification. They are doing the same thing again. But this time I'm sending my payments through third party so I have a witness I sent {$2100.00} through XXXX XXXX to specialize loan servicing who is the servicing company for a XXXX  XXXX XXXX I kept calling specialized loan servicing to see if the payment posted and when it didn't they kept doing a ticket but on XXXX the XXXX 2022 when I called XXXX XXXX they said that specialized loan servicing refused the payment and refunded it. Tracking number is XXXX the payment was given to my brother to send for me his name is XXXX XXXX account number is XXXX XXXX I have the receipt attached.
Product: Money transfer, virtual currency, or money service

Paypal closed my account without a reason and can not help me to get it back to running. Since they can not help me to reinstate my account, I turned to use different paypal method. As for the paypal balance that I have, they says, that will be available after it has been limited for 180days. However, On XX/XX/2021, I noticed that paypal has taken the the money from my account, the amount is XXXXusd. I can not believe that paypal did such thing on me. I have been waiting for the money for a few months, because PayPal says I can withdraw the balance from my account after 180days when they close my account. 

I heard that CFPB can solve this problem, that's why I'd like to report this to you and hope you can solve the problem as soon as possible. my email linked to this paypal is XXXX.