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

I ordered my consumer report, and noticed many instances of erroneous/False information.I sent back a dispute and never received anything in response indicating there was a investigation being done. what the investigation turned up or anything. That is a violation of my rights ... ... this company has violated my rights ... .. I demand this false/erroneous information be removed from my consumer report immediately, it has harmed me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Report. I called the automated credit freeze number for Equifax to unfreeze my credit report for banking purposes on XX/XX/2019. The credit report has been frozen for over 18 months and have unfrozen it several times. The automated number freezes after the first selection and does not allow continuation. I called the phone number on the website and the agent told me " the system is unavailable, please call back in one hour ''. I did that with the same response. I tried to log in through the website credit freeze page, received an error and told to call Equifax. The response was the same as above. On XX/XX/2019, I tried the automated line again with the same issue. I contacted the phone number listed for credit freeze and was told " the system is unavailable, please call back in one hour. '' This was 12 hours after the call on XX/XX/XXXX. I tried calling customer service to fix the login on the " XXXX XXXX  XXXX '' system. For some reason, there is an error on my account and it needed to be " elevated '' to be fixed maybe in 5-7 days. I tried going through the credit freeze website once again, received an error and a phone number to which I called and received the same answer as above. This is holding up my banking process and making me unable to continue my business needs.
Product: Debt collection

There is a debt collection falsely reporting under the name ( s ) XXXX XXXX, Resurgent Cap and XXXX XXXX C/O Resurgent Capital Services. This account should be removed from each CRA ( Credit Reporting Agency ) for violations of the FCRA. 
The data furnisher is reporting in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX/RESURGENT CAP Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  : Name : XXXX  , XXXX  Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX Phone : XXXX Address : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX *See attached Credit Report as supporting documentation.
Product: Mortgage

in XX/XX/XXXX my credut report clearly shows im register owner for realestate, finance, insurance, amusmentXX/XX/XXXX my mutual fund forged fraudlenty traded by citigroup, XXXX XXXX citigroup fraudulenty underwriting commercial property from XX/XX/XXXX-XX/XX/XXXX
Product: Mortgage

Planet home lending Ive asked to put a few months payments on end of loan and all they do is divide late or missed payment up into next XXXX months payment and attached to make my already struggling to make payment even larger. My loan XXXX has enlisted them and asked for a XXXX  month deferment so I can start fresh now that Im back working but they say they dont do that. Ive made payment a that arent being applied properly.
Product: Checking or savings account

American Express Bluebird card has permanently suspended my account with a balance of {$8900.00}. I just received an email on XX/XX/2020 stating that balance. I have not been able to get to those funds since some time in XX/XX/2020. I call them continuously and no one has any information to give me because of my account being frozen. All they tell me to do is write a letter and mail it to them, which I did and still have yet to get a response. I need help getting these funds released.
Product: Debt collection

XXXX accounts are being reported to all XXXX bureaus from Pinnacle ( original creditor is XXXX XXXX ). Amount is showing {$690.00}, which I believe to be inaccurate and the fact that I have never had XXXX separate accounts with XXXX and/or Pinnacle. I did have XXXX account with XXXX XXXX that I terminated in XXXX 2010. I do not believe I owe anything to XXXX/Pinnacle and I definitely did not have XXXX accounts with the same company for the same amount. I have tried repeatedly to dispute with all credit bureaus but Pinnacle still reports both accounts. They now say that XXXX account was refinanced or renewed, but both accounts are still on all reports.
Product: Checking or savings account

I was supposed to get my direct deposit on XXXX XX/XX/year>. It still has not been deposited due to an outage with Capital One checking. They have not given an eta of when this issue will be fixed. As a result my {$2100.00} pay check is being held in limbo because of their negligence.
Product: Credit card or prepaid card

In XX/XX/2021 I spoke with numerous representatives w/ Navy Federal Credit Union in regards to a credit account. I was seeking the debt validation letter from the company. They told me they did not have that, i proceeded to ask for the original instrument of indebtedness and the young lady expressed to me that they didn't have it because the alleged " contract '' was done electronically. I since have not spoken to them but they have continued to harass and use abusive practices against me through interstate commerce in regards to a debt that has not been validated. I have attached documents to show evidence of these claims, i also enclosed in those documents a debt validation letter to assure the company gets it.
Product: Mortgage

I went on furlough from the state of Louisiana XXXX XXXX XXXX XXXX in XXXX XXXX, La on XX/XX/2020. I completed my modification of {$910.00} on XX/XX/2020. My new modification became {$900.00} which is not much different ( XXXX ). I asked for assistance in XXXX and was told I " had to complete my loan modification trial period. '' I struggled to make the payments esp being on furlough. After I completed my last modification payment I called and asked for assistance. Carrington took my application. Mailed me a letter stating I was granted 60 days. A payment of XXXX ( my new mod amount ) I received a phone a WEEK later call from the mortgage company, tell me my I was granted 60 days. Ok, I paid THIS month so XXXX {$900.00}, therefore, XXXX and XXXX have been forbearance? No stated the rep. Effective date XX/XX/XXXX! 
Pretty I get a month break.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I went to XXXX and had a checking account with 5/3 bank. I had automatic subscriptions withdrawn from this account. I had to give someone power of attorney to handle the account since I obviously was not available to close the account. At the time my power of attorney went to the bank the bank said the account already had a negative balance. I for obvious reasons didnt have the money to pay them. But I also knew the auto payments from subscriptions would continue to come out. I explained this and they refused to close it at that time. I said that I didnt see how it made sense to continue to rack up debt I would not be able to pay if it was getting sent to collections either way at that point. They eventually sent it to collections. Now over two years later they have sold the debt and when I contact them they can not tell me who the debt was sold to. Or the amount. And I have tried calling two debt collectors asking if that was the debt they were sold. They will not answer me with out giving my debit card number. I have looked at my credit report and also can not locate the debt but I have determined the amount via my credit report through XXXX looking at my XXXX XXXX report. What should I do? Im confused as how this legal. What are my rights? I can not find any definite answers.
Product: Vehicle loan or lease

Dear Sir or Madam, Ally bank is stating I owe them {$330.00}. They are claiming that XXXX XXXX  withdrew money from them that they never received. The transaction happened through a 3rd party service called XXXX XXXX. XXXX XXXX will not speak to to me only to XXXX XXXX. I spoke to 3 different representatives from XXXX XXXX who claimed I do not owe ally bank any money. 1st XXXX Representative : 2nd : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA. XXXX XXXX PA XXXX XXXX XXXX Also XXXX from XXXX XXXX # said to use code XXXX for the case. I 've been corresponding with XXXX XXXX from ally Bank her address : XXXX XXXX XXXX XXXX MI XXXX tel # XXXX FIle # XXXX Below is a letter I sent to ally bank which list all the events. I ca n't get the bank representatives to talk to one another. <P/>Ally XXXX. XXXX XXXX XXXX, MN, XXXX RE : Acct. # XXXX Dear Sir or Madam, Below is a chronological order of facts in reference to above account. <P/>XXXX XXXX Leased a car through ally bank. XXXX XXXX, XXXX Returned car. Leased ended. XXXX XXXX, XXXX Received Satisfactory letter from ally bank. Account paid in full. XXXX XXXX, XXXX Paid ally bank electronically {$330.00} by mistake through XXXX XXXX. I had no account with ally bank. XXXX XXXX Called ally to have money returned. They said they had no record of it. XXXX XXXX Called XXXX XXXX to get record of it. They said to call ally back. XXXX XXXX Called ally back still no record of it. XXXX XXXX, XXXX Had XXXX XXXX pull payment of XXXX out of ally bank. XXXX XXXX, XXXX Received letter from ally Bank stating they had not received final payment. I called ally bank and explained to them what happen. They claimed they would close out file. XXXX XXXX, XXXX Received a letter from XXXX XXXX XXXX XXXX. Also I received phone calls from them. I spoke to XXXX XXXX and explained what happen then mailed him a copy of Satisfactory letter. I also tried to call ally Bank but they keep transferring the calls to XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX Received phone calls, letter and an email from XXXX XXXX XXXX claiming I owed XXXX to ally Bank. Sent Satisfactory letter to XXXX. XXXX XXXX, XXXX Sent request to XXXX for validation of debt. Sent Satisfactory Letter to XXXX. XXXX XXXX, XXXX Received letter from XXXX XXXX XXXX claiming I owed XXXX. Sent Satisfactory letter to XXXX XXXX XXXX. XXXX XXXX XXXX Received letter from ally Bank claiming I owe XXXX. Called XXXX/XXXX/XXXX spoke to XXXX at ext. XXXX explained all to him and he said to call back XXXX/XXXX/XXXX. I tried to call a couple of times and after long hold periods I hung up. <P/>This matter has been going on to long not to mention the harassment from Collection agencies. I ask for a respond to this letter within 15 days. You should also notice the car payment with ally Bank was approximately {$250.00} not XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX To : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear XXXX, XXXX, TransUnion XXXX and XXXX, I XXXX XXXX XXXX XXXX a natural person , am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law. 

One of the primary inaccuracies pertains to my account with XXXX XXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report. 

Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX account and any other unverifiable information. 
Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights. 

I expect a response to this formal complaint within 30 days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, XXXX XXXX
Product: Bank account or service

Citizens Bank is closing my account, which I have kept in excellent standing, because they found I invest in XXXX. I have a business account, which generates plenty of fees for them, especially wires. I send frequent wires to XXXX in new york to buy XXXX, which I invest in short-term. I buy it low, and then sell it higher than what I bought it for. I am registered with fincen and comply with all regulations for the state of Ohio and the USA. I have an anti money laundering policy and it is strictly enforced. I have a XXXX company as well that uses the same account. 

What happened was I had asked if I could deposit cash into the atm late at night and the tellers said there should n't be a problem with even large amounts. So I deposited maybe XXXX to XXXX XXXX via the atm a few nights in a row, all at the same branch that I always use, and only I was doing the depositing. This triggered some kind of review on my account whereupon they saw that I wired to XXXX XXXX XXXX, XXXX which only sells XXXX and XXXX. Upon seeing that they decided without doing any other research, to close my business account, and my personal account too! I never even used my personal account for XXXX or anything. Also when it came time to sell my XXXX, I was very careful with this account. I gave out the information to no one. Only I or my employees deposited into this account. We only accepted cash, money orders, and some checks. We tried to positively ID all our buyers for the XXXX and maintained an XXXX log. We even filed a SAR on a suspicious person. We maintain a relationship with local and federal law enforcement as well. 

They gave me ZERO days to find a new bank. They deactivated my atm/debit card immediately. They want me to get my funds immediately. Most other banks give you XXXX three weeks to find another account. 

I have had numerous banks close my accounts for investing in XXXX. There hardly any banks left for me to go to now. This is totally unacceptable, to be discriminated against for investing in XXXX. These banks should work with investors in XXXX and coach them on how they should treat their accounts instead of simply closing them and suspending all services without giving the customer any time to move. 

And to close my personal account which was n't even used is also totally unacceptable. 

This is for my accounts ending in XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, contacted bank to inquiry about a missing credit from a merchant that was submitted to my card on XX/XX/XXXX, from merchant XXXX in the amount of XXXX SGD ( XXXX Dollars ). After explaining to the customer service representative that merchant had already provided 3 of the 4 credits XXXX had sent me, she advised that a dispute would be filed for the fourth and missing credit. She further advised that the disputed amount would be credited to my account while the dispute was researched and that I would receive a letter confirming same. However, because I have received neither the credit or letter confirming same, I am of belief and suspicion that the dispute has never been processed. When contacting merchant ( XXXX ) they advise that the fourth credit has been submitted to bank ( credit card ) and have provided me with the transaction id, yet the credit in the amount of XXXX SGD has not posted to my credit card statement.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The first time an collector called me regarding my account. She told me that this debt would increase and add interest and would negatively impact my credit. I asked her for detail regarding my lease and contract, and told her that this debt could not be increased and nothing in my contact stipulates that. She said that they can do that and will if I dont pay. They have increased my debt multiple times within the past two months and my debt was a rental collection, and i dont owe that amount to my original debtors. This is unfair and she use threaten language regarding my credit score decreases and have since decrease my score by raising the debt owe please origination amount.
Product: Credit reporting or other personal consumer reports

XXXX reports a XXXX balance to credit bureaus TransUnion on XX/XX/XXXX. XXXX was reported as being at XXXX balance XX/XX/XXXX, XXXX closed the account on XX/XX/XXXX. It is requested that XXXX provide the IRS XXXX XXXX. XXXX sets of communication have been sent to XXXX XXXX, XXXX XXXX to provide record of IRS Form XXXX and a letter of XXXX XXXX XXXX XXXXXXXX act as agents of XXXX conducting mortgage services. TransUnion reflects that XXXX account is closed and at a XXXX balance and XXXX is reporting a positive balance. XXXX balances and closed accounts do not carry over positive balances on a third party ledger. Due process and civil procedure also was not followed see 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 on the record. XXXX my have been assigned records internally but all parties failed to provide the proper process of service, notice of assignment that follows XXXX statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to put a security freeze on my credit reports with Trans Union. I spent all day - well, 2 hours + - and was finally told they would not assist me. I have free TU credit monitoring for a breach last year ( or early 2017 ) with a XXXX XXXX Credit Card, and I have an account at TU for the credit monitoring because of the breech and I have been receiving regular TU email reports for the past 8 or 9 months. I called TU and, after being cut off several times when holding for a representative at TU, and finally being connected to a poor English speaker who asked me for SSAN, DOB, address and such, when she asked my mother 's middle name and I gave it to her, she said she could not assist me. ( I feel there was a language issue ... the representative had poor language skills. When I asked to speak to a supervisor, she told me to hold, and I was simply cut off. ) I intend to keep trying, but today, this was simply an unacceptable experience and a waste of time.
Product: Debt collection

Someone by the name of XXXX called from the number XXXX ( XXXX ) XXXX. 

Text script Copied directly from voicemail : Hello XXXX this is XXXX I'm with locating services I have been instructed to contact you in regards to an epic pull off location that it's been issued and close to VA due to avoid the contact on your behalf they have instructed me to speak with you at this point if you wish to go any further penalty you will need to contact that proceeding purpose finding your case before your case please call the office number provided is ( XXXX ) XXXX with the case number XXXX this is your official legal notice by telephone goodbye Then second another number came in from XXXX ( XXXX ) XXXX. They didnt mention who they were calling for but called all my families phones. My sister asked the name of the company, they responded XXXX XXXX. We do not know who they are and if its a scam. Im not familiar with any debt owed nor have i received any loans or credit cards in the last year. FRAUD SCAM Company Name : Spring Oaks Capital , LLC Phone : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX www.springoakscapital.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$3300.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.