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

My Attorney sent Mr. XXXX, a Demand letter to negotiate a return / refund of my {$170000.00} that I wired to Me, XXXX XXXX XXXX, on XX/XX/2021 from the XXXX XXXX branch located at XXXX. XXXX in XXXX, IL. 

The funds described above were wired to XXXX for the sole purpose of obtaining an engagement contract with his artist, XXXX XXXX. The contract that is the subject of this letter, has not materialized as of the date of the Demand letter and XXXX has my {$170000.00} In fact, shortly after wiring XXXX  the money, I received a phone call from XXXX XXXX of XXXX XXXX XXXX that he too; had wired XXXX a {$170000.00}. However, in Mr. XXXX case, XXXX had already executed a contract with XXXX on XX/XX/2021 for your artist, XXXX XXXX which was 10 days prior to the XX/XX/2021 date XXXX tried to do with me. 

The contract XXXX executed with XXXX XXXX is for the same time and period that XXXX had negotiated for with me for which I 100 % believed my {$170000.00} was securing but later found out something different. 

Again, as of todays date, Mr. XXXX, have failed to deliver an executed contract to Me " XXXX XXXX '' for his artist, XXXX XXXX, and XXXX have failed to return my hard earned {$170000.00}. 

So my attorney sent Mr. XXXX a demand letter as formal and final DEMAND for the return/refund of my {$170000.00}. the letter was sent out on XX/XX/202, we gave Mr. XXXX 10 days from the date of the Demand letter that was sent to contact my Attorney 's office at the contact information listed in Demand letter or he could have contacted Me " XXXX XXXX '' directly to arrange payment.we also stated in the demand letter that if we dont hear from him within 10 days of that letter. We are going to pursue any and all legal actions Mr. XXXX that are available to us for a lawsuit. XXXX XXXX has already been reported to my local law enforcement, I filled a report, wrote a statement, filled a complaint with FTC, filled a complaint with ic3.gov, filled a complaint with US Attorney and filled a complaint with FBI Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my UHEAA accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, 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.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing in response to your recent communication dated XXXX XXXX, in which you failed to provide the requested documentation or address the specific issues I raised in my dispute. On XXXX XXXX, I submitted a formal request for information and documentation regarding. However, your response did not include the necessary documentation or a proper resolution of the matter. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ), you are required to investigate the dispute within 30 days and provide a response containing the requested information or a proper resolution. Additionally, if the information can not be verified, it must be corrected or removed from my credit report under 15 U.S. Code 1681i ( a ) ( XXXX ). 
Despite my clear and specific request for such as account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, etc., you have failed to provide this information in your response. This lack of compliance with my request not only delays the resolution of my dispute but also constitutes a violation of my rights under the FCRA.

Please consider this a formal notice of non-compliance. I request that you immediately provide the following documentation : 1. Account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, copies of the billing statements showing the late payment, payment history, etc. ] 2.If you can not provide the requested documentation, you must remove or correct the inaccurate information from my credit report, as required by law. Please be advised that failure to provide the requested documentation within 10 business days from the receipt of this notice will leave me no choice but to escalate this matter. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for violations of the Fair Credit Reporting Act.

I expect to receive the requested documentation or a proper resolution of the dispute within the next 10 business days. If this matter is not resolved in that time, I will take further action as necessary. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. Citi Bank falsely attached someone else 's credit report to my account, resulting my credit card limit was lowered significantly. Contacted Citi rep on XX/XX/XXXX, XXXX she's rude and refused to help me correct the error and ask me to contact the credit bureau. 

Citi XXXX  score showed I have a score of XXXX with delinquencies and high credit balance In fact on XXXX website showed I have a score of XXXX with no delinquencies and with less than 5 % total credit utilization. 

This error has and will affect my real credit report
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached and they refuse to delete the collection accounts. I have disputed these accounts numerous times. I have attached the proof that I was effected by this breach.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Per the federal guidelines, anyone whose XXXX plan is up for income recertification in the first 6 months will not need to recertify for an additional year. Nelnet representatives have told me that the servicer is refusing to honor these guidelines and is forcing me to recertify my income by XX/XX/XXXX. My date with XXXX is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All bureaus have most of my old addresses on them not just my current one. I have tried to remedy this online and get the message to call in. I then call and wait on extremely long holds, or get transferred around and another time was told to print a request form and mail it in. They don't make the process easy or quick. Credit repair can be a lengthy process and getting the run around by the bureaus just isn't fair.
Product: Credit reporting or other personal consumer reports

THIS COMPANY LETS NUMEROUS COMPANIES PULL MY CREDIT WITHOUT MY AUTHORATION I CALLEC AND ASKED FOR HELP AND WAS HUNG UP ON. PLEASE HOLD THIS COMPANY ACCOUNTABLE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HOLD THIS COMPANY ACCOUNTABLE . THANKS
Product: Payday loan, title loan, or personal loan

Loan was paid off by a Credit Counseling Agency- XXXX in 2018.  XXXX paid the amount due provided by XXXX.  However XXXX still shows a balance of XXXX on my credit report. They show the amount on time, but will not remove it from my credit report. I have contacted them several times. They will not respond to me.  There is NO balance due.
Product: Debt collection

XXXX XXXX XXXX XXXX keeps calling claiming we own XXXX XXXX. We have a card on file with XXXX and they bill us every year. We have contacted XXXX and verified we don't owe them any money and have never had a late bill with them. We request a copy of the the invoice every time XXXX XXXX XXXX XXXX calls and they never send us anything. They call from the number XXXX. They just called again today XXXX and again we requested a copy of the invoice in question. We are getting tired of them calling our office with no proof of the money owed and never sending anything to verify the supposed money owed.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies in my credit file. However, I am concerned that the examination may not have fully complied with the Fair Credit Reporting Act guidelines. I believe further action is needed to ensure the remaining accounts are accurate. I request another investigation and correction of the following accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$760.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}. If your investigation can not verify the accuracy of the disputed information, please correct it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to the address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to express my complete dissatisfaction with Experian 's lack of investigation. I've notified them numerous times regarding errors on my credit report and they have not done anything to fix the errors and they have not been able to properly verify the information. I am stressed due to their erroneous reporting which is causing my scores to go down and making it hard for me to get approved for credit. They have been negligent in their handling of my disputes and non compliant to the FCRA on several accounts. I am seeking legal advice on the matter due to multiple violations of the FCRA being hard to ignore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed through Equifax the following account because the account is past the 4 year statute of limitations by PA law for collecting medical debt. A comment was added to my account, but it was not removed and I continue to receive calls and mail from XXXX XXXX. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX PA Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$240.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$240.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical
Product: Money transfer, virtual currency, or money service

Respected sir I am XXXX XXXX from XXXX and I have been fighting a litigation in the XXXX court. I am an USA citizen. I would request you to help me get the transaction made from USA to XXXX by me from the XXXX-XXXX I have tried with the banks and henceforth I am submitting to you the documents My email - XXXX
Product: Debt collection

I have recently tried to fix my credit. There was a collection of {$99.00} that XXXX XXXX XXXX XXXX said that I owed. It was sent to RSI Enterprise collection agency. It went against my credit back in XX/XX/XXXX .... It is now XX/XX/XXXX, and I found out that my insurance paid it, so I disputed it on ALL 3 Credit Bureaus. The Bureaus declared it was paid, so they removed it from ALL 3 Bureaus. 2 days after the Bureaus removed it from my credit, I got 3 more bills from the collection agency saying I now owe a 1 ) XXXX bill, 2 ) {$98.00} bill, and 3 ) {$19.00} bill, that totals {$130.00}. I haven't received ANY BILLS from this collection agency since XX/XX/XXXX or so ... .I haven't been to that doctor since XX/XX/XXXX. How can the collection agency pull NEW BILLS out of the air. I believe it is fraud, but can't prove it
Product: Credit card

Citibank offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from Citibank notifiying me of my current score which was obtained from XXXX. 
According to Citibank as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against XXXX in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from XXXX and it stated my current score was XXXX. I tried to reach out to Citibank and XXXX to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date Citibank has refused to look into the matter and provide a response or corrective action.
Product: Credit reporting or other personal consumer reports

Im frustrated to see inquiries from your company on my credit report that I never gave consent for.Im frustrated to see inquiries from your company on my credit report that I never gave consent for.
Product: Vehicle loan or lease

We have asked this company several times not to call our phone numbers and to put us on do not call status. They continue to call even though we have asked for XXXX. We have setup a payment via ACH and they still call. This is harassment per FDCPA as they did not adhere to our convenient calling preferences. I want to complain about their adherence to FDCPA and TCPA violations because they should be able to take verbal request to stop calling because these are cell phones.
Product: Mortgage

Hello. My complaint is against Fay Servicing. I have had a solid mortgage payment of approximately {$810.00}. It has been about over 15 years that I have been with either XXXX, XXXX XXXX, XXXX XXXX, XXXX. It has been transferred several times, and with any of the other companies I have never had them demand over XXXX XXXX dollars more per month, because there was not enough in the escrow. Although I usually pay late, I never ask to have the additional fee waived, so my payment is about {$840.00}. This year, I called to make my payment, and they were now insisting on {$990.00} ( w/o late fee, with late, I think they said {$1000.00} ). In shock and already financially pressed, I asked if I could pay partial and amortize the rest over a few months. They denied that request, and they said it was due immediately. Obviously, I did not want my credit affected, so even though I really did not have it, I paid. Now this month, before the late fee, I called to see if I could at least have until the end of the month without late penalty. Normally, they do not ask for my loan number, instead, the system finds me. However when I was connected to the payment plan extension ( had already identified my account ), customer service would not help me unless I provided my full social security number. In XXXX, I received notice of a data breach with my mortgage account, so I really did not want to do that. I offered the last four of social, last four of mortgage account, address, birthdate They said, even with that, they would not help me unless I would give my full social to somebody over the phone that I do not know. Anyways, the steep additional charges with no plausible explanation and refusal to help me with a payment plan without full SSN, I just feel this mortgage company is a real bully ( probably also doing to others ), and I need help. At the very least, I want everybody to know what they are doing and how they are treating people. It is just wrong and possibly criminal.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following items to be updated or removed from my file right away XXXX XXXX XXXX Balance Owed : {$270.00} XXXXXXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$710.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX & XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 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 # XXXX, XXXX and I'm including it again. 
XXXX XXXX Account Number : XXXX Balance : {$500.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX formally known as XXXX XXXXXXXX XXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of 19 late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.