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

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion and XXXX credit bureaus must validate this account 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 listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXXBalance : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXXBalance : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXBalance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX  XXXX  XXXX : {$800.00}
Product: Credit reporting or other personal consumer reports

They were unable to verify accounts and closed them. They did not delete them from my record. Please have TransUnion delete them now! They are the only bureau still reporting these unverified fraudulent charges. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and verifiable information. If a closed account is still reporting incorrectly, it may be a violation of your rights. 

Delete : XXXX. XXXX XXXX. - it appears twice XXXX. XXXX XXXX Please have them delete these immediately. This is violating my rights. Thank you
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX 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 reporting, credit repair services, or other personal consumer reports

A company named CSS has suddenly added information to XXXX with it not previously being on there. It has dropped my credit score by almost 100 points
Product: Money transfer, virtual currency, or money service

I used to use CashApp as my direct deposit method, as I have a debit card for it. CashApp closed my account for no reason on the XX/XX/2019. I got paid on the XX/XX/XXXX and attempted to access my funds.The account my funds were sent to is closed and as well as my CASHAPP. The bank of course denied the funds and sent it back to CashApp. I have beejn trying to get assistance for a week now and have yet to speak with anyone. I am late on my rent, phone bill and other things. what am i supposed to do??
Product: Mortgage

Loancare is my fha mortgage bank. I was in a vehicle accident XX/XX/XXXX. Was released XX/XX/XXXX. Had to do months of theraphy. Was able to borrow money to pay back mortgage that was not paid because I was in the hospital. My company allowed me to return to work in XX/XX/XXXX. 
I was behind again {$7900.00}. I borrowed money from my XXXX to pay that. My girlfriend was helping me with keeping up with my bills. We have broken up. XX/XX/XXXX, last month I woke up like another instance I had last year with a thought on my mind and it was my morgage company. 
I had sent them a check to them, two weeks before for XXXX dollars. They sent it back with a note saying it was not enough money. So last week I woke up and remembered. I got on their website to get their number and came across another number for assistance in making payment arrange ments. Talked to someone about payment arrangements. She said she could help. We called on a XXXX way call on XXXX XXXX, and thats when I found out the house had been sold on XX/XX/XXXX. 
I also sent a check that morning for {$3000.00}. Found out this morning they had cashed the check leaving me with an overdrawn bill with my bank. Thankyou.
Product: Debt collection

I received a letter from XXXX XXXX, XXXX regarding an attempt to collect a debt from PayPal. I called the agency but they could not give me any information. I called Paypal and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.
Product: Credit reporting 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 Accounts named 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 acct # XXXX In review of my TransUnion report on XX/XX/year> and noticed some things are incomplete and inaccurate and according to the fair credit report act whenever a consumer reporting agency prepares it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681e ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 ) 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 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

About one year ago I moved from the apartment called XXXX in XXXX Colorado to another place. So the apartment office said they were going to send me any balance remaining. On XXXX I received a balance of {$170.00} dollars so I went and bought a money order and submitted to them and cleared all the balances. Since then I never received any cimmunization that I had any due balances until around XXXX when I received a letter from one of collection agencies called Metro collection agency with a balance of {$230.00} which they wanted me to pay due to unpaid balance from XXXX XXXX apartments. The letter indicated that no additional charges are added from the initial debt. I decided to go myself to Metro collection and seek clarification of the balance and met with a person called XXXX XXXX whom I talked to and got me balance they received from legend orks apartments was {$170.00} and they added their charges which resulted to a balance of {$230.00}. He promised check and seek clarification from XXXX apartments and will give me a call back. I never received any call or mail since then. So I decided to check my credit score two days ago and found added account from collections with a balance of {$230.00}. I got the content information and found its from Metro collections agency. When I called them to ask about it they told me to write a dispute letter to them and attach a prove of payment that I made. So my concerns are if I never paid the balance why did they take long time since I paid the money order to contact me about the debt? Again why the Collection agency decided to add their charges on the balance they got from the apartments on which they indicated on the mail I received on XXXX that no additional charges or interests are included? Third why the collection agency never called me when I complained about the balance when I went to their office and they promised me that they will call back in few days ( XXXX XXXX employee who promised to call me )? Again why are they asking for a prove for payment for money order when the apartment are now owned by different company which they do n't have the receipt for payment and this is long time to be able to get that prove of payment? And finally why they reported the balance to credit bureau without contacting me to make a payment? Of course a paid this balance they are charging me.
Product: Mortgage

I closed on my house XX/XX/year> with XXXX XXXX serviced by shellpoint. Planet Home Lending contacted me telling me that they had purchased my loan. The process seemed like a scam because they kept asking for my full social security number. I called XXXX XXXX and they assured me that my loan had not been sold to Planet. On XX/XX/year>, I made a {$2000.00} payment so that my loan would be paid ahead because I wasnt due to start paying until XX/XX/year>. My payment was applied as shown on their customer portal page. It then displayed my loan was sold on XX/XX/year>. I then called XXXXXXXX XXXX and they again assured me my loan had not been sold. Toward the end of XXXX I got a letter from XXXXXXXX XXXX stating my loan had been sold. I call them to verify and they said yes it had been. I set up my customer account for Planet. I say that I was due XX/XX/year>. I called them to tell them I had already made that payment and it should have transferred with my account since it was paid XXXX hours before the posted sell of my account. They stated they didnt know anything about it. That I needed to correct the mistake. I explained to them that I didnt work for their company and they could call XXXXXXXX XXXX to get the error corrected. Today I looked online and seen that my payment was still due so I made another {$2000.00} payment because I dont want my payments to report late and I do not want to default on my mortgage. After I made my payment it popped up a payment history box that shows that a suspense payment of {$2000.00} was posted XX/XX/XXXX but not applied to my account. Now I have double paid the XXXX payment and its not like {$4000.00} total is chump change to just be throwing around.
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 XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account NumberXXXX XXXX XXXX XXXX  . Account NumberXXXX XXXX XXXX XXXX . Account Number: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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

webcollex llc dba cks financial has refused to provide proof of debt per law! 
webcollex llc dba cks financial has refused to provide signed contract per law! 
webcollex llc dba cks financial has never provided notice of debit or followed any laws related to debt collection. 
XXXX XXXX XXXX says original debt is not theirs per - cfpb complaint XXXX-XXXX  so confirming not a valid debt and Webcollex is lying!!!!! 
Original complaint XXXX-XXXX response was not acceptable, just saying that they confirmed the debit IS NOT PROOF OF ANYTHING!!! They could NOT have confirmed debt because XXXX XXXX already confirmed the debit is not theirs.
Product: Mortgage

We received a check in the amount of {$300000.00} for our insurance company on XX/XX/year> due to damage related to recent Hurricane and mailed to our mortgage company. The mortgage company responded very poorly for the process and failed to release the funds timely requesting various irrelevant information ; meanwhile they refuse to pay any interest on our money they are holding almost two months now. They refuse to offer any interest payment on the money. If they do not release the funds soon or pay interest, we have to file a lawsuit.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX approximately XXXX. I was attempting to withdraw funds from my Robinhood account when I got a restriction notice. I called support and they confirmed it was an automated system flag, not generated by a real person at the desk. Ive been using Robinhood since XXXX and have never had a restriction from account withdrawal. I have two bank account I use, one for setting aside estimated taxes due from capital gains tax and the other is my primary account for bills and paycheck deposits. Both banks are actively linked to the account still. The withdrawal amount was for estimated taxes on capital gains from the last week of XX/XX/XXXX. Not even XXXX my account value. So I submit documents Robinhood requested, state issued ID, Live Photos of myself, and bank statements from both Banks. Now I have been waiting for Robinhoods Review team to finish reviewing my case. But the dates keep changing. I can provide pictures to prove it. I sent over 40 email attempts for clarification on the review process without ever being responded by an actual human, every response was auto generated and the names of the representatives changed with each response. Today XX/XX/XXXX I received an auto generated email stating my case with Robinhood # XXXX was closed. But the restriction was still in place. So I contacted support to ask if the review team is able to get in contact with me before or on the date the app says they will contact me by and the support team was unwilling to confirm that it was accurate information, when asked to speak to the manager of the support personal, I was denied access and immediately hung up on. This has caused irrevocable finance harm to me and my family, as all of my money is in my account and I can not access it. I have to pay rent tomorrow and unless my restriction is lifted so I can access my money to pay my bills I will be homeless by proxy of Robinhoods inability to provide services in a fair, accurate and timely manner.
Product: Vehicle loan or lease

I signed up to receive my statements online because the bank charges {$3.00} per statement to deliver them via USPS. But I can not access my latest statement ( which should have been generated on XX/XX/2023, and it is now XX/XX/2023 -- and my latest payment based on the XX/XX/XXXX statement is due TODAY!! ). I contacted the bank by telephone to find out why the statement is not available to me online, and all their representative could tell me was that it was " delayed. '' She could not tell me why or when I would receive my statement. Yet I am still expected to make my payments on time!
Product: Credit card or prepaid card

My XXXX extra points account has been enrolled in a debt management plan for 2 years. XXXX XXXX XXXX paid the payment in XXXX on XX/XX/XXXX. As of XX/XX/XXXX I was charged a late fee. I paid the account off on XX/XX/XXXX. XX/XX/XXXX I received a new statement with the last bit of interest and a late fee that should have never been assed. I call in and they tell me to call the debt management department. I call them and they tell me I'm not in a plan and I have to call the normal number. Their secure messages have not been answered and I have no way to talk to someone. I just want the late fee removed so I can pay the XXXX $ in interest and complete my obligations. I am getting no where.
Product: Credit card or prepaid card

On XX/XX/2021, I had two XXXX XXXX checking accounts linked to my CitiBank XXXX XXXX XXXX XXXX MasterCard as payment accounts. I removed one, intending to use only the other ( my primary account ). 

Thereafter, Citi continually began refusing to accept payments or payment accounts. First, they refused payment from XXXX XXXX from my primary account. Then they refused to allow the primary account to be the payment account. Then they accepted the primary account as the payment account, accepted a payment, then told me they had refused the payment. 

I continually added both my primary account, then the secondary account I has used before, as payment accounts. Citi continually told me the payment accounts have been accepted, and continually accepted my payments, then later told me the payments had been refused. 

I talked to SIX different representative at Citi, and was given SIX different reasons for Citi 's XXXX XXXX, ranging from Citi refusing to accept my primary account as a payment account due to " the float '' on a payment that was not even made until NINE DAYS AFTER Citi made that refusal, to being told TWICE that the problem was that XXXX XXXX Bank was actually controlling CitiBank 's computer screens. I am NOT kidding about that. I made doubly sure the Citi representative was telling me that XXXX XXXX Bank was remotely controlling Citi 's screens, and that's why my payment accounts were not being accepted! 

In any event, I repeatedly gave Citi valid payment accounts, both of which I has used with them before, and repeatedly received acknowledgments that I had added these accounts as payments accounts, and repeatedly received confirmation that I had made, and Citi had accepted, my payments ( and they DID accept the payments ). I also repeatedly received notices from Citi that payments had been refused, due TO THERE NOT BEING A VALID PAYMENT ACCOUNT! 

Now, Citi has closed my XXXX XXXX XXXX XXXX Card account, a card I have held for more than twenty years, due to the refused payments WHICH THEY THEMSELVES REFUSED TO ACCEPT, BECAUSE THEY THEMSELVES REFUSED TO ACCEPT MY VALID CHECKING ACCOUNTS AS PAYMENTS ACCOUNTS! 

In short, Citi continually refused to accept the very payment accounts I had used with them previous, then, because of their error, they refused to accept payments ( after telling me they did accept them ), then repeatedly DID accept my payments and payments, only to once again tell me they were refusing payment due to there not being a payment account. They did this over and over and over, lied to me repeatedly on the phone about what was happening, completely refused to take any corrective action, and NOW HAVE CLOSED MY ACCOUNT DUE TO THEIR OWN UTTER INEPTITUDE AND DECEIT.