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

In early XXXX I closed on my first home. In weeks leading up to my close date, I started buying things for my house including appliances. To save money I found a refrigerator on XXXX XXXX. I reached out to the seller and got a timely response. They asked if I could pay via XXXX XXXX which I thought I could, but when they sent the request through I realized I didn't have it sent up so I asked if we could complete the transaction over the Cash App. I gave them my username, they sent the request, and I completed. The subject line and description of the XXXX listing said delivery was available and I confirmed with the seller that I didn't need it to be delivered for a couple of weeks and they agreed. I reached out and over the several days before my close date and move I got a whole bunch of runaround. Eventually, the day after I moved into my home, the seller stopped responding to my texts all together. I disputed the transaction with Cash App and tried requesting a refund from the seller that they of course ignored. Cash App basically said there was nothing they could do since the transaction was authorized and already came out of my account. I also disputed the charge with XXXX XXXX   which is the account the money came out of via Cash App for this fridge. They credited the money back to me while they investigated and now over a month later reversed it and took the money back. I got no fridge and I'm now out {$220.00} and both of these institutions are abdicating their responsibility to consumers. In the attachments I provided the email from Cash App, the two letters from XXXX, the XXXX messages with the seller, and the texts with the seller. Please help me.
Product: Debt collection

I cancelled service with XXXX XXXX XXXX XXXX XXXX. I paid my final bill to them on the account. I then got a {$40.00} bill for unreturned equipment on XX/XX/XXXX. I had returned the equipment on XX/XX/XXXX. I have a receipt for the return from the XXXX store. I called and informed XXXX of this and they said that the warehouse probably had not recorded the return yet. They said they would get back to me, but never did. I assumed they found the equipment had been returned and canceled the payment due. Instead, they must have turned the debt over to Sequium Asset Solutions for collection. 


On XX/XX/XXXX I got a collection letter from Sequium Asset Solutions , LLC demanding {$40.00} for a debt I can prove I do not owe. They threatened my credit rating. I called them and explained that I did not owe this debt and that I have proof the equipment had been returned. They said they would send the collection request back to XXXX XXXX XXXX XXXX XXXX for review. After verifying that this debt was not owed, I attempted to call XXXX, but the call ended when their automated system checked my account. 

I called XXXX XXXX XXXX / XXXX on XXXX/XXXX/XXXX and was told the equipment was returned and not only did I not owe money on the account, I had a credit owed to me of around {$8.00}. And yet, XXXX XXXX XXXX / XXXX obviously sent this " debt '' to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in regards to previous complaint filed with cfpb # XXXX Transunion responded that XXXX had responded that the status is " transferred to another office '' and they sent me the copy of the report. However the status still states " 120 days late ''. There is no balance, it is not possible for {$0.00} to be currently 120 days late. 

Transunion did not update the payment status at all and only added comments in the remarks section stating that I dispute the info and that the creditor states account was transferred. This did not update the status. THEY NEED TO UPDATE THE PAYMENT STATUS which means changing the " 120 days late '' to " account transferred ''. 

And they need to remove the dispute remarks from the remarks. 

I have attached a page from my XXXX  report so that Transunion can see how the status is supposed to be reported. Transunion has been reporting incorrectly for years.
Product: Consumer Loan

Dear Consumer Financial Protection, I went to a XXXX office in XXXX ... my XXXX. The XXXX office applied for a loan out of XXXX XXXX ... for {$1000.00}, to XXXX and make XXXX. I agreed in good faith to the loan ... I had no other way of repairing my XXXX. I am living with a fixed income and I did not have insurance. 

I had my XXXX. During the XXXX, I thought they were going to make me have a XXXX XXXX ... I was upside down in the chair as the XXXX 

XXXX. XXXX. XXXX. 

I contacted XXXX and explained why I could not pay ... XXXX. 

XXXX 

The collection agency is bringing me to court on XXXX/XXXX/2016 ... what recourse do I have?? 

It appears as consumers for XXXX health we are being taken advantage of with the high cost of XXXX care combined with those XXXX places who do not provide quality care and as a consumer, XXXX. 

Current collection activities ... XXXX and XXXX Atlantic Credit and Finance Special Finance Unit, LLC File number # XXXX XXXX XXXX, MA XXXX Stating amount owed as {$1300.00} plus {$50.00} court costs ... adding insult to injury! I am indigent! 


Court hearing ... XXXX/XXXX/2016 XXXX District Court Court Docket number ... XXXX XXXX MA XXXX Thank you for your attention to this matter. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FINAL attempt to delete this account from my credit report. You have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your blatant disregard for the law is contemptible. Over the past 7 months I have made several attempts to remind you of your duty pursuant 15 USC 1681 and it appears you are intentionally and willfully being neglectful in remedying my affairs. 

Because of this, I am unable to rent or own a home and have been denied a major career opportunity. 
Due to your violation of the law under civil liability 15 USC 1681 ( n ) - Civil liability for willful noncompliance a ) In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and no more than {$1000.00} or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I received an email alert saying I have a new document to read on my XXXX XXXX credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and was told they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my Victoria Secret credit card and my XXXX XXXX credit card. I need some advise on what to do
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking and deletion of several accounts on my credit report that were opened fraudulently as a result of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I assert my rights as a victim of identity theft and request that the following accounts be permanently removed from my credit file : XXXX. XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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. I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. 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 an alleged fraud or extortion. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant twits NO EDUCATION and trumped up XXXX
Product: Credit card or prepaid card

I filed a complaint through CFPB about a questionable charge and late charge on my credit card from XX/XX/XXXX which prompted a response back from Citigroup on XX/XX/XXXX. The person contacted advised me they could not make a goodwill adjustment with no explanation as to why. 

For more detail, on XX/XX/XXXX, I faxed over a request to Citigroup for a goodwill adjustment to my credit score for late charges related to a past due charge from XX/XX/XXXX. The amount was for {$100.00} which I didn't make to some foreign company. 

Ultimately, I was not aware of this charge until an email notification came in on XX/XX/XXXX. I had no idea this charge was pending otherwise I would have handled immediately as I have with all other purchases. Once the email came in, payment was processed the same day and I have not had any other late payment notifications on this account which I have had since XX/XX/XXXX. I have also continued making all payments on time since XX/XX/XXXX. 

I have recently looked into taking on a mortgage to own a house and noticed that this late charge is the sole driver having a negative impact on my credit report/score. As I mentioned in my complaint, given I have been a member of Citigroup since XX/XX/XXXX ( 7 years ) and my payment history before and after this late charge has been timely, I am reaching out to request a possible goodwill adjustment to remove this late payment notification for the credit bureaus and repair my current credit score. 

To date and with exception of the call in XX/XX/XXXX, my experience with Citigroup has been very positive and Im very appreciative of the support and services so far. I'm hoping this can be resolved and I can continue my regular and timely use of services from Citigroup.
Product: Credit reporting or other personal consumer reports

I was in the process of trying to buy a home for me and my XXXX  due to her father being XXXX  for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required to be removed.
Product: Checking or savings account

Capitol One Credit Card repetitively places my credit card payments on hold when my payment amount exceed {$200.00}, Although my account has no recent returned payments. I am being penalized. I make my payments from external accounts that are on/have been attached to my account since the issuance of my secured credit card. As of recent. XX/XX/2021. I made a payment of XXXX from my XXXX XXXX acct. I have made numerous payments from this account over the history of having this credit card. Yet- Capitol One held the payment for XXXX for 10 business days and I was provided no interest for my held monies on this secured credit card. XX/XX/2021 I made a payment from my Capitol One Checking acct in the amount of XXXX and these funds have been & are currently on hold for 7 business days. Again I gain no interest on my monies that are being held. The payments for XXXX and XXXX cleared my bank accounts and was deposited into my Capitol One Credit Card acct between 1-2 days. I have transaction transmit confirmation from my Checking acct to support this statement. Capitol One Credit Card has no reasonable justification to repeatedly hold my credit card payments. Not allowing me access to these monies. Capitol One Credit Card actions repeated has caused me undue financial hardship. During this time of pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a business card and debt as a personal debt. It was never reported on my personal report until it went delinquent. They must either report the entire history ( over 2 years of positive history ) or remove completely from the repot. 

Also, since it is not a personal debt and was never personally guaranteed I want proof of a personal guarantee which they have refused to give me since it doesn't exist. 

I have tried several times through them and XXXX XXXX and Experian to remove this or correct it and they refuse. This is contrary to my rights. I want this rectified. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT XXXX DOB : XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$170.00} Reported balance XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Inquiry details * XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX, PA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  has been my mortgage lender for over a decade, in which time I have never been late with my mortgage. During the period of crisis, when my husband had been laid off ( from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I had requested multiple economic hardship forbearance and/or deferment options, making sure whichever option we chose would not negatively effect our credit. Once our forbearance was up, in XX/XX/XXXX, I began paying XXXX XXXX XXXX XXXX the amount for which they invoiced me, and in the meantime, we were converting our mortgage from a 30 year to a 40 year mortgage. We did not want to do this, but, we did not have the {$27000.00} " catch up '' amount they would have required for us to maintain our initial mortgage. 

When we began the process of conversion, I called an ensured we would not receiving any negative reporting by XXXX XXXX XXXX XXXX  on any of the three major credit bureaus, and was told by an XXXX XXXX XXXX customer service representative, at their customer service number, XXXX, as long as I continued to make payments in the amount I was being invoiced for, I would not have any negative credit reporting. While the mortgage conversion was in process from XX/XX/XXXX, to XX/XX/XXXX, I paid {$2200.00} each month, as I was invoiced and was not late with these payments. The payments were made on-time and cleared my checking account on these dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

I later noticed that my XXXX XXXX had dropped significantly and my on-time payments category was the major impact on this score negativity. I looked into this and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had reported me " 180 Days or More, Past Due '' for for the four consecutive months, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I reached out to the bank, they advised me they had sent me a letter and on page 7 of the letter it listed " this conversion may negatively impact your credit ''. I did not receive that letter and I told them this much. I also made them aware of their customer service representative telling me this would not negatively effect my credit. I have opened a case with them, they had " resolved '' this case by telling me they were correct and I was at fault. I reported them to the three major bureaus ( Experian, XXXX and XXXX XXXX ) and those disputes were resolved with nothing happening as the credit bureaus informed me the creditor confirmed the information was correct on my reports. 

XXXX XXXX XXXX XXXX is doing nothing to help me despite their lack of communication with me, with regards to this matter. This is seriously impacting my credit in a negative way and despite multiple attempts to resolve this trough various channels at the bank, they are doing absolutely nothing to help me. I am very upset about receiving misinformation, no information, and having to have this negativity reported against me. Please help.
Product: Credit reporting or other personal consumer reports

This account was removed and added even after providing all relevant information.

IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA. 

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Checking or savings account

To whom this may concern, I, XXXX XXXX, on this XXXX day of XX/XX/2024, I am requesting all information for each deposit I have made for my account with NetSpend. 

Please provide me with the information. 

Thank you. With prejudice All Rights Reserved UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.