23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX XXXX
Product: Checking or savings account

I opened a XXXX mo CD with Citi that matured on XX/XX/XXXX. I started receiving marketing emails and snail mail telling me I had XXXX high rate savings options that I must decide on by XX/XX/XXXX. These materials all referenced my CD by number! 
I immediately tried contacting Citi to review my options. I called every customer support number I could find, but as soon as I select banking it wants my ATM number. I don't have one. Literally have called dozens of numbers dozens of times and had been unable to reach anyone who could help with my CD since I started trying on XX/XX/XXXX. No Bot offered an option to convert CD. Tried calling nearest branch ( XXXX miles away ) multiple times but auto attendant told me nobody was available and sent me right back to the main auto attendant! Dial XXXX doesn't work on any phone number. The bot won't give you a human. Dozens of transfers, few live agents that were extremely difficult to understand but none could help with this. Today alone I started trying every possible means to contact someone at XXXX west coast time. It is now XXXX XXXX and I finally found someone to CLOSE MY ACCOUNT! They told me that the grace period XXXX!! Again, I haven't been able to reach anybody to convert CD since XX/XX/XXXX. I needed to put some of the money into my checking account and the rest in savings. Because of the horrible customer service, I was forced to closed the CD and take a {$700.00} penalty all because there's NO CUSTOMER SERVICE HUMAN AGENT AVAILABLE! 
This is the worst example of a big corporation actively removing the option to speak to a person. Worst customer experience ever! Today is XX/XX/XXXX, it matured XX/XX/XXXX and that day, and the 20 days before, I could NOT reach anybody. 
If you don't live close to a branch, NEVER USE Citibank for accounts. It's impossible!
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past XXXX XXXX  to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past XXXX XXXX and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to Experian, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in XXXX of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to XXXX and Experian in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my XXXX XXXX XXXX  account ending in XXXX with a representative over the phone on XX/XX/year>. At the time, my checking account reflected {$0.00}. Fast forward, I received an email on XX/XX/year> advising that my account was insufficient by {$0.00}. On XX/XX/year>, I tried to resolve this concern in person at my local BOA branch. I was told to call instead as the branch associate couldnt accept funds to care for my negative balance. I then called into BOA that same day, and the phone representative advised that there isnt a way to resolve since the account is closed. Im concerned this may negatively impact me despite trying multiple times to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a Capital One Business Credit Card inXX/XX/2021XXXX because I am running my business from this card, I carry a balance of XXXX on this card. 
Ever since opening this account my credit score dropped from XXXX to XXXX, because Capital one is reporting the business debt on this credit card as a consumer debt and as carrying a balance on a credit card. 
Capotyal one refuses to take off the reporting from my personal credit and just report to the business credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 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 card or prepaid card

i call capital one several times ... Since XXXX when i gotten a news about i have came down with XXXX and getting treatment I ask capital one if can work with me about reduce payment or lower the interest until now XXXX they said big NO.. spoken to several manager and still NO. it as been 3 years and the account go up and not down what can i do next thanks for your help
Product: Checking or savings account

Well on XX/XX/XXXX i received an certified check through the msil for XXXX i took it directly to my bank PNC on XXXX and XXXX in XXXX  i told the Teller i wan na know if it is real she stated once we process it if it is no good it want go thru the next day it was cleared i went shopping then 5 days later i get and e-mail that the check bounced now they telling me my account is negative XXXX plus recruing fee that's not fair because a bank suppose to verify these things throughly if it went through the bank processing system
Product: Credit card

I have a Capital One checking and credit card account ( for now ). An autopayment was set up to pay the credit card balance but I wanted to pay the entire balance so I set up a scheduled payment instead. The scheduled payment was enough to pay the balance but ... ..Capital One withdrew the autopayment and the scheduled payment leaving me with a substantial overdraft in my checking and a considerable credit in my credit card account. My concerns here are as follows:1 ) If I were to schedule a payment that was in excess of 10 % of the existing balance Capital One would not allow it so why would they allow a duplicate payment of ~60 % of the balance? 
2 ) Why does it take less than 24 hrs to withdraw my money but 8-60 days depending on which of the XXXX representatives I spoke with to get it back? 
3 ) Why if I overpaid the balance on the credit card would I be assessed an interest fee? While they did eventually credit the account for the interest, it seems like this process is set up to systemically drive unsupported fees. I suspect I am not the only person caught up in this less than scrupulous activity.
Product: Money transfers

In XXXX 2015, I established a PayPal business account for use related to my XXXX. Within one month of using my account, I received a notification from PayPal indicating a limitation was placed on my account and I could not access funds for 180 days. During the one month of my PayPal use ( XXXX 2015 ), my transactions related to the following : XXXX personal deposits to my PayPal account for retail purchases on eBay, XXXX eBay purchases, and XXXX receipt of payment for an XXXX rental. At no time were funds in my account withdrawn to a bank account or transferred to any other individuals. 

Following the account limitation placed by PayPal, I called PayPal customer service and spoke with a representative by the name of XXXX. During my conversation, the representative was unable to specify the reason for the limitation being placed on my account. He indicated PayPal uses proprietary methods for analyzing accounts. As a result, the only explanation of the limitation I have received to date is summarized below from a notification from PayPal : '' XXXX XXXX, 2015 : We noticed one or more of the following problems : You provided information that we believe was false, inaccurate, or misleading ; orYou sent or received money that was potentially related to fraudulent activity ; orYou have more than one account with a negative balance ; orYou are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. " I would like to address the aforementioned problems identified by PayPal:1. ) You provided information that we believe was false, inaccurate, or misleading. 
- All personal information in my PayPal profile, including social security #, birthdate, address, business name, etc ... are true and accurate. PayPal has not provided evidence of the contrary. 

2. ) You sent or received money that was potentially related to fraudulent activity. 
- The only funds received during my one month of use on PayPal related to an XXXX rental. The funds were sent directly from XXXX and do not relate to any fraudulent activity. 

3. ) You have more than one account with a negative balance- As of XXXX XXXX, 2015, my account has a balance {$2800.00}. At no time during use of my account was the balance ever negative. 

4. ) You are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. 
- After a detailed review of PayPal 's agreements, I utilized the service in accordance with all rules and regulations. At no time were funds ever withdrawn or transferred to outside individuals/entities. My PayPal account was used for retail purchases on eBay and receipt of payment for an XXXX rental.
Product: Credit card

Throughout the history of this account, I have consistently maintained timely payments, preventing any instances of overdue payments. However, I find myself uncertain about the rationale behind the late payment remarks reported on my accounts. I refer to 15 USC 1666b - Billing Error for necessary corrections.
Product: Mortgage

My mortgage was due on XX/XX/2016. I was behind due to illness from family and was working overtime to pay. I just got paid on XX/XX/XXXX and was behind in utility bills, so I paid those bills and with next paycheck to be directly deposited on XX/XX/2016 I was going to pay my mortgage. To my surprise Navy Federal went into my checking account and debit my mortgage payment, without authorization from me or my husband. When I called the about it, I was told if my mortgage was 16 days past due, they had the right to go in and take my funds from my account, with no notification. Told me they had control over funds in my account and my account could be frozen with no access granted. I have been struggling to pay, but have paid. This will result in my other bills not paid, like utility, food. I could not believe they would do this, without authorization.
Product: Mortgage

Every eight months or so Shellpoint/Newrez demands that I prove that I habe insurance coverage. I have done this at least four ( 4! ) times within the last three years. This is totally unnecessary, harassing and oppressive. I can not help but suspect that this is a discriminatory practice at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft There are a lot of accounts I disputed with all three Bureau even my address
Product: Credit card or prepaid card

I paid off the settlement amount to my JP Morgan chase card but on my XXXX account it is still showing up as unpaid and delinquent. It is devastating to my credit score.
Product: Debt collection

I have sent a validation of debt from Calvary SPV 1 LLC on XXXX citing U.S.C. 1692g Section 809 which requests the following The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the

30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. If, within the 30-day period, the consumer disputes in writing any portion of the debt or reque
sts the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable. 
Futhermore, they reported a new collections balance on XX/XX/ to XXXX, XXXX and XXXX. 

I received a response from them dated XX/XX/XXXX that they do not have this account in this possesion and it has been placed with a law firm which I have not bee contacted by nor have any information. Calvary SPV has said they can not investigate without specific information, which I am not sure what they are referencing. 

Futhermore they have been reporting a new collections balance every month which has been affecting my credit score but have not provided validity that I owe them this debt or signed a contract with them stating so. 

Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. 

Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. 
Reported on XX/XX/ by Your account is 30 days or more past due Account Cavalry Portfolio Servic Account number XXXX Amount past due {$2100.00} Status Collection/Chargeoff Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Ct, XXXX See attached letter received from Calvary SPV XXXX
Product: Payday loan, title loan, personal loan, or advance loan

When I applied I was under the impression that the loan had an interest rate of 10 %, however the 10 % is charged on the balance of the loan after each payment.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash due to inadequate customer service, and unfair practices which violate the consumer financial protection act. Specifically, cash app failed to take timely an effective measure to prevent and address fraud on their 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 fund transfer act ( ETFA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that these SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX and SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX were reporting to be negative on XXXX and XXXX Credit Bureaus. I tried contacting the XXXX and XXXX Credit Bureaus requesting to provide verification of their companys HIPAA authorization and proof that they have not abrogated my rights under the HIPAA Privacy Rule. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. Delete these collection accounts pronto.
Product: Debt collection

I have no idea who I Q Data International is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I Q Data International is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I notified I Q Data International via certified mail RR # XXXX XXXX XXXX XXXX XXXX and requested documents and they did not provide the information that I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I Q Data International as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I Q Data International } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I Q Data International, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

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

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

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

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports.