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

For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX. Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting XXXX different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records  or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. XXXX XXXX notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with Equifax. ( See attached ). Equifax completed its investigation on XX/XX/2019 and states that XXXX XXXX verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from XXXX XXXX and live online access to my XXXX XXXX account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!
Product: Credit reporting, credit repair services, or other personal consumer reports

A review of XXXX XXXX Experian reporting of Account shows copious payments made on time not being reported. Borrower has made several requests for XXXX to correct CRAs reporting in XXXX. 

XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

In XX/XX/XXXX no payment was made. 

In XX/XX/XXXX no payment was made. Request for loan modification made. XXXX wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. XXXX wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Loan modification granted. Began pre-loan modification agreement. 

In XX/XX/XXXX, Borrower made the first payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the second payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the third payment on time, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the fourth payment on time, in agreement with the loan modification agreement. XXXX sent Borrower loan modification agreement without the agreed-upon deferred principal balance. 

In XX/XX/XXXX, Borrower made the fifth payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX through XX/XX/XXXX payments to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. XXXX sent Borrower the correct loan modification agreement. 

In XX/XX/XXXX, Borrower made the payment on XX/XX/XXXX. XXXX CRA reporting shows No Data Reported.
Product: Money transfer, virtual currency, or money service

My Paypal has almost {$78000.00}. Paypal decided to put limitations with my account on XX/XX/2020. And they sent me email says I need to provide the information about two transactions, and I provided the information to them, then they told my my account is frozen for 180 days, after 180 days I may withdraw the money. I logged into my paypal during this period, and the money was still there, but today I tried to login, and the password is changed, I reset my password and logged in my paypal, I see all my money were taken and send directly to paypals own account, and says its for covering the paypal damages, total money were taken in two transactions, one with {$52000.00} one with {$24000.00}. This is a lot of money, I do not have any history of chargebacks with all the transactions, but they told me im violated and money held for 180days and now took everything away! I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc. did not respond to a re-investigation request to resolve their inaccurate, incomplete, unverified, false, misleading and improperly investigated information. I sent the response to the CEO and Chief Legal Officer because their employees keep lying to me. As a victim of the XXXX  Equifax Data Breach they have failed to protect my information. 

They are negatively impacting my financial livelihood and their noncompliance is intentional. I'm requesting for the CFPB to step in to assure that I am being treated fairly as this is causing me financial, XXXX  and emotional distress and I am unable to get XXXX NAME to stop violating my consumer rights.
Product: Mortgage

I filed a complaint with XXXX XXXX XXXX , XXXX, but I think I should be fling a complaint against LOANCARE , LLC because they are the ones who transferred my service. You used to think that if a mortgage company transferred/sold your loan to another, it was a good thing. I do not think this is the case. XXXX is a collection service. Transfer was XX/XX/XXXX one month after closing. closing was XX/XX/XXXX. I did review the Notice of Servicing Transfer and I have logged in many calls to XXXX. Confusing because XXXX number is XXXX. I used to pay {$720.00}. They were late posting the initial money from closing. On XX/XX/XXXX I spoke with XXXX about payments and how to do them online. I paid XX/XX/XXXX. Back then I had questions about the escrow. This is when the amounts did NOT agree. Then, they said I was short, it THEY were over paying. I saw this reflected on monthly statement of XX/XX/XXXX ( statement date ) and ( payment due date ) of XX/XX/XXXX. Then on XXXX/XXXX/XXXX I got a statement from LOANCARE LLC with a new amount of {$690.00}. ( Everyones Mortgage goes down, so I thought nothing of it. I have heard of VA Relief Program and other reasons for decreases, even on a fixed rate, so I thought nothing of it. ) Until, LOANCARE decided to transfer me over to XXXX which started at total amount due : {$690.00}. And that is when from then on it seems they PASSED there buck onto to me. And on XX/XX/XXXX the amount changed again to {$710.00}. I am So fed up with all this. I have shared with my family that if for any reason I drop dead, SUE them for duress, because from then on I have tried to solve the problem with both of these with only one headache after another. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report by XXXX XXXX XXXX XXXX, account number XXXX. This late payment, allegedly from XX/XX/year>, is incorrectly reported, as my payment history with XXXX XXXX has been consistently timely and current. The reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Equal Credit Opportunity Act ( ECOA ). 

1. Fair Credit Reporting Act ( FCRA ) Violations : The FCRA ( 15 U.S. Code 1681 et seq. ) requires that consumer reporting agencies maintain accurate and complete information. The inaccurate report of a late payment in XX/XX/year> is a violation of 15 U.S. Code 1681c, which mandates that only accurate and verifiable information be reported on a consumer 's credit file.

Under 15 U.S. Code 1681i, I have the right to dispute any incorrect information on my credit report. I am requesting an investigation into this discrepancy, as I can confirm that no payment was late during the specified period. 

2. Fair Debt Collection Practices Act ( FDCPA ) Concerns : The FDCPA ( 15 U.S. Code 1692 et seq. ) emphasizes that all debt-related communications be fair and transparent. The misreporting of a late payment, especially when incorrect, constitutes a misleading representation and a violation of 15 U.S. Code 1692e, which prohibits false and deceptive practices in debt collection.

3. Truth in Lending Act ( TILA ) Violations : The TILA ( 15 U.S. Code 1601 et seq. ) promotes transparent and accurate credit disclosures. The reporting of a non-existent late payment obscures the transparency required by TILA and misrepresents the terms and status of my credit relationship with XXXX XXXX. 

4. Equal Credit Opportunity Act ( ECOA ) Implications : Under the ECOA ( 15 U.S. Code 1691 et seq. ), I am entitled to equitable treatment in all credit-related matters. The inaccurate reporting of a late payment can unjustly impact my creditworthiness and limit my access to credit opportunities, thus violating my rights under the ECOA.

5. Request for Investigation and Correction : In light of these considerations, I am requesting that TransUnion : Investigate the alleged late payment reported by XXXX XXXX XXXX XXXX and verify its accuracy with supporting documentation. 
Correct the erroneous late payment entry to reflect my actual payment history, which is current and on time. 
Provide written confirmation of the investigation 's results and any corrections made to my credit report. 
Enclosed with this letter are copies of my credit report, identification, and any supporting documentation, such as payment receipts and account statements, that demonstrate my timely payments. 

Thank you for your immediate attention to this matter. I expect a prompt resolution within the legally mandated 30-day period, as provided by the FCRA. I look forward to your confirmation of the removal of this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXX XXXX  XXXX XXXX.
Product: Checking or savings account

Citibank reduces next day Institutional Transfers to ones External Accounts from XXXX to XXXX XXXX XXXX REDUCTION!! 


Dear Consumer Financial Protection Bureau, I just found out that Citibank has reduced their next day Inter Institutional Transfers to ones External Accounts have been lowered from XXXX  to XXXX} until further notice. That is a XXXX XXXX REDUCTION! This just happened recently and I believe it is due to the whole XXXX shorting saga. What this policy can do is put the individual investor behind the 8-ball because they may need to move their money into their brokerage accounts to cover their trades. Citibanks standard service takes 3-5 days that is longer than the 2-day settlement date one is given to settle their stock trades. I also ask you, What good is being able to transfer only XXXX  a day? 

These are the messages that is posted once you sign into your Citibank account : - Effective immediately, as a security measure to protect Citibank accounts, the limits for next day Inter Institutional Transfers to your External Accounts have been lowered to XXXX until further notice. You can continue using the standard service to transfer to your External Accounts for amounts greater than XXXX 


When taking to a Citibank representative, these were their responses : - We never intent to upset our customers however it is applied to secure the fraud transactions.. 

- It is to protect Citibank accounts from a heightened risk of fraud, I am sorry for any inconvenience this has caused to you - It was initially XXXX using next day service now it was lowered to XXXX whereas standard transfer is still same with limit of XXXX - As an enhanced security measure and to protect Citibank accounts from a heightened risk of fraud, the limits for next day Inter Institution Transfers were lowered. You are still able to send IIT 's with a higher amount using the standard service. 

- However this change was made to all our customers however you can still transfer through standard transfer type for XXXX per day and monthly limit is XXXX I think that this seems like something to look into.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

I had a checking account with Wells Fargo from XXXX, and was charged a monthly fee several times despite making enough transactions throughout the month, I was also charged overdraft fees several times when I had funds in my account to cover the transaction.
Product: Credit reporting or other personal consumer reports

When disputing a collection account with a collection agency due to identity theft, it is important to clearly communicate your situation and provide supporting documentation to support your claim. Here is a s Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The accounts in question is XXXX XXXX, and it is being reported as a result of identity theft. 

I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. 

To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 


I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. 

Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per FCRA, 15USC1681E ( B ) all information must have maximum accuracy ... the date bankruptcy reported is incorrect... more importantly the bankruptcy court did not report the information to credi bureaus, therefore the information obtained could not have been verified by the court ... that represents inaccuracies and by LAW and should be deleted immediately from all 3 bureaus Thank You
Product: Debt collection

They said I own a debt to XXXX XXXX XXXX XXXX XXXX of {$660.00}, the name of the collecting company is Convergent Outsourcing , Inc located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX