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

CHARGE OFF REMOVAL XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : As you know it is against the law to report any inaccurate information. 
The IRS defines a charge off as : gross or ordinary income- so how is this reporting as debt on my consumer report. There are 2 inaccuracies on my consumer report ; XXXX XXXX  and XXXX XXXX that you are reporting unlawfully. 

You are in violation of 15 USC 1681- accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, you are in violation of 15 USC 1681b - Permissible purposes of consumer reports which states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I have NEVER given you written instructions to report this on my consumer report.

You are in violation of 15 USC 6801 : Obligations with respect to disclosures of personal information. You were supposed to PROTECT my information, instead you unlawfully reported inaccuracies.

You are in violation 15 USC 6802 - There were three ( 3 ) disclosures that you were legally supposed to provide me with that you did not. I was not provided with any of these disclosures.

1. You were supposed to inform me if you were going to report anything on my consumer report, which you did not.

2. You were supposed to provide me with a way to opt out, which you did not 3. You were supposed to inform me how to exercise my right to opt out and what steps to take to not report on my behalf, which you did not.

There are multiple federal violations here.

I demand this charge off to be permanently deleted from my consumer report, immediately
Product: Mortgage

I have been trying for over a year to make a payment plan to my mortgage after I paid a very large lump sum. The mortgage company now says I have to pay {$100000.00}. in one payment. This is my home where my family and I live, the documents sent through the mail do not reflect the same information they give over the phone. Including a {$500.00} cashier check from wells fargo for overpayment- my mortgage is almost paid off and I do feel this is some kind of dishonest scam for them to try to keep my home. Please help me with this urgent matter as it is very confusing.
Product: Credit card or prepaid card

I rarely open my CC statement, just pay it on time monthly. In XXXX I noticed the balance was high & payments weren't decreasing the account balance. I called & spoke to CS to find out why there were MULTIPLE billings of the same amounts {$10.00}, XXXX, XXXX, XXXX, XXXX, XXXX ( twice on the SAME day ). Charges on my card, which were NOT approved nor made by myself. Citibank determined the charges were from XXXX/XXXX purchases. They proceeded to TELL me the charges were made by my child again not approved & not made by ME, which is FRAUD! So here is the problem, I am being told charges were authorized since it was my child & that same day I reported the fraud & was then told there were pending charges waiting to go through. Not even a stop put on the account, Citi continued to allow charges to go through! Not once did Citibank issue a fraud alert to my card, yet these multiple charges were the Same 3 amouts over & over!! One would think major red flags would have raised. I have read the fraud policy & procedures on the Citibank website RE : Fraud " Bank with confidence. There's no need to apply for Online and Mobile Fraud Protectionit automatically kicks in when you open a Citibank deposit account '' Also from Citibank.com " Included with Select Citi Cards As a Citi cardmember, you can be assured that we are constantly working to help safeguard your account. We detect most fraud before you are aware of it. If we notice suspicious activity, we will contact you by text, email, phone or mail to confirm activity on the account. It's important for your contact information to be up to date so we can reach you promptly '' As well XXXX XXXX XXXX '' I have made multiple attempts to rectify this with the company yet they are unwilling & refusing to see this as fraud. This I took directly from the FTC website ; " Once you report the loss or theft, the law says you have no additional responsibility for charges you didnt make ; in any case, your liability for each card lost or stolen is {$50.00}. If you suspect that the card was used fraudulently, you may have to sign a statement under oath that you didnt make the purchases in question '' so quite ironic that Citibank would continue to allow charges to go through after I reported the fraud! I have gotten no where with the company, I continued to receive harassing phone until I notified them I would be filing a complaint with the FTC and now I continue to get letters with over the limit, late fees, fees here and there yet I reported the fraud. I'm sure I don't need to tell you that citibank is not following regulations & that I am protected with the Fair Credit Billing Act, as well as the Consumer Credit Protection Act. The many service reps I spoke to didn't seem to know anything about either of these. Citibank began their investigation of fraud charges, yet there are charges that continue to be billed my my account. I am willing to pay {$50.00} the rest of all these ridculous fees & fraudulent billing charges will not be paid. I reached out with a compliant to the FTC & was directed to CFPB for help with this matter.
Product: Debt collection

A summons was presented tome on XXXX XXXX at XXXX XXXX to appear remotely in small claims court for pre-trial mediation over failure to outstanding credit card fees to the debt collect agency Midland Credit Management INC. 

I had no idea that I owed anything to this company. I appear in court remotely on XXXX at XXXX XXXX  for mediation, and denied owing charges that had accrued on the credit card in questioned. The credit card that I had owned I thought I had paid off in XXXX. The credit card in question was still active until XXXX. The Judge ordered us to talk it over, and we exchanged phone numbers. The lawyer representing Midland Credit Management INC. gave me a case number to reference when we called and the mediation was ended. I thought it was strange that the phone number that was given to me had an 555 area code. Usually, that's a false phone number. 

The next week, after looking through all of my files and finding past bills belonging to the credit card that I possess, I called the number that was given to me. The call would not go through as dialed. After calling the number several times, I did a reverse phone look-up, and the phone number didn't exist. I contacted my lawyer and he recommended that I find some way to contact Midland Credit Management INC. and this situation rectified ASAP! So I call the agency and got a representative. I gave him the reference number their lawyer gave me ( twice ). That account did not exist. The rep. asked for my SSN. I hesitated but I gave it to him. He pulled you my name, and it was then I discovered that the account number didn't match that of the account of the card I had in my possession. Both cards are duplicate cards issued by the same company, active at the same time, only the card that I have in my possession was a Mastercard issued by XXXX, and the other duplicate card was issued when, no one can tell me. 

When I told this to my lawyer, he attempted to get information about the individual representing Midland Credit Management INC. from the Clerk of the Court in XXXX XXXX, FL, only to find out that his name is not even on the court documents. There is no reference of him. So, the number he gave me is false, the reference number he gave me is false, and the account for which I'm currently being sued or was summoned to court for is not my account due to the fact that someone may have stole my identity back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request regarding my social security number being compromised. I have notified all of the bureaus that I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. The below fraudulent accounts continue to adversely affecting me and I am requesting immediate resolution and removal : TRANSUNION : U.S. BANKRUPTCY COURT Original filing date : XX/XX/XXXX Reference Number : XXXX XXXX : Account Name : Acct # Amount : Date Opened : XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$36000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Account Name : Account Number : Amount : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$36000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$66.00} XX/XX/XXXX US BKPT CT CA XXXX XXXX  Original filing date : XX/XX/XXXX Reference Number : XXXX INQUIIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  - XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit card

I was told I need to validate my credit card in order to get another one, and my XXXX credit card sent to me in XXXX, where I am traveling. I did as requested, sent the front and back of the license and with me hold the card with my face. They will not validate the card and I stuck with no money, no card and am in a terrible situation. 

Their system supposedly can't read the back of my card, which is not my problem. I have scanned it, and also sent them a copy taken via my cell phone camera. I have attached what I sent them. I have done this 5 times now, their system is the problem. I have complied with their requests over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX 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

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to Equifax ; XXXX and XXXX  on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with TransUnion : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours claiming that the account is accurate, without providing any evidence of a thorough or reasonable investigation. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. Additionally, Equifax 's actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) addressing similar noncompliance issues. 

I respectfully request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with adequate evidence of their investigation process. The account in question is as follows : Account Name : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX, XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA and Account : BANK XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$25000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Attached a copy of my Drivers license, Tax Return Number, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.
Product: Vehicle loan or lease

Hello, I purchased a vehicle under financing company, in XXXX in the amount it {$27000.00} and made payments, ( XXXX ) I applied for a catch program when I feel behind during XXXX treatment, when I was able to maintain my monthly payments ( {$630.00} ), ( XXXX ) my car payment amount owed is {$28000.00}, the same amount and when I first purchased the vehicle, how can this be? Where is the payments going? Can I get an audit of these transactions from this finance company.
Product: Checking or savings account

Called Wells Fargo today asking when will the {$150.00} be deposited into my account for opening an new account and within 60 days I get an directly deposit more than {$500.00} I open acct on the XXXX or close to it and my direct deposit started XX/XX/2018 within the 60 days that 1st {$150.00} should be deposited and the next {$100.00} comes for the next 5 months as long as my deposit stay at least {$500.00} I will get the other {$100.00} Now they coming with some Bait and Switch telling me my account and deposit was not done within the 60 days after I was told by Lady who open my account up and said I will get the promo and thev1st {$150.00} is within the 1st 60 days Now I'm neighborhood told I HAVE TO WAIT THE FULL 5 MONTHS THIS IS A LIE ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, delete the accounts XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Bank account or service

Back in XXXX 2014 I either lost or someone stole my Debit card. A fraudulent check was deposited to my account through the ATM and funds removed ... I had maybe {$3.00} or {$4.00} dollars in account when I went to use it I was told my transaction was declined so I went on line to check balance and saw a transaction for food ( which I did not buy ) but also there was a pending deposit for I think it was {$2500.00} or {$2900.00}. The next day I went to the bank and informed them. I asked them if they could cancel the card and issue me a new one. They said no problem, we did that, they said I would get a new card in the mail and did I want a temporary card. Since I was n't expecting my XXXX check for at least another two weeks I said I would wait till new card came in. I kept calling them about reversing the charge for my {$3.00} or {$4.00} which when they finally did I was told they were closing the account and choosing not to open me a new one. At that time I did not pursue it cause I was dealing with a XXXX in the family, and I just transferred my XXXX direct deposit to my other bank account. I never got anything in the mail as far as I recall. Recently I opened a business account and deposited checks made out to the company and when I went to make payroll I found out that they had put a freeze on the account. I did n't know I could n't do business with them or that they were holding me accountable for what happened back in XX/XX/XXXX. I lost the company contract because I could not make payroll .... I do n't know what to do or how to fix this problem. I 'm XXXX it 's not too many companies that are going to give me a chance like this again.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX XXXX immediately! 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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. GENESIS CREDIT MANAGEMENT LLC, 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) do to inadequate costumer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic transfer fund act ( efta ) and region E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.