23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I finished the requirement on XX/XX/15, and should earn XXXX AA miles. Chatted with citi agent and got confirmed. However, miles should have posted XX/XX/15 for me but did not. Called Citi and got the run around of what their terms are. Eventually was told that they created a ticket. I received a response as another poster below that the fulfillment is done systematically and would be paid out 90 + 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian, credit reporting agency has removed a collection account from, XXXX XXXX XXXX after a dispute and investigation into the account. The company has not updated the account to reflect the correct credit score since the removal of the account. If so I am requesting information of the correct credit score pursuant to the removal of the account that shows the correct credit score.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX CT XX/XX/XXXX XXXX Credit Bureau : XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$19000.00}
Product: Mortgage

I received a Notice of XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, Not In Its Individual Capacity But Solely As Trustee Of XXXX XXXX XXXX XXXX Loan Trust XXXX. 
They recently as of XX/XX/2023 acquired this mortgage from XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. They are willfully neglecting my right trying to take my house which they don't have any interest in this house. I have requested for the original note and the original mortgage documents which they have not produced. 
They refused to work any modification with me they are only interested in forclosing on my house trying to get the XXXX to get a referree to get a sale date on my house.
Product: Debt collection

I have attached my call logs from my cell phone from the last few months. I blocked one number so they started to use another. I have asked them to stop calling. I asked over the phone AND I mailed a letter to their office. Below each number is a list of the dates they called me XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once inXX/XX/XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once There is more seen in the call records for that number but I think those are sufficient for you to see the harassment from the one number alone The second number they started to use after I asked them to stop calling and blocked the first number is XXXX XX/XX/XXXX, so far once but its in the early afternoon so who knows if they will call again XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once I have now blocked this second number as well.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash app failed, to take timely and effective measures to prevent and address fraud on 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 ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a chapter XXXX discharge on XX/XX/XXXX. 
I received a loan modification from my lender ( Flagstar Bank loan # XXXX XXXX on XX/XX/XXXX. 
Flagstar Bank is NOT reporting my mortgage payments to the credit bureaus. 
I have called and e-mailed them numerous times and they stated they are reporting. 
Thank you for your help! 
XXXX XXXX
Product: Checking or savings account

THIS COMPLAINT IS REGARDING CAPITALONE. CAPITAL ONE FAILED TO DIRECT DEPOSIT MY PAY FROM MY EMPLOYER. THEY CITE TECHNICAL ISSUES. I BELIEVE THIS MAY VIOLATE THE EFTA REGARDING TIMELY FUNDS TRANSFER.I REQUEST ASSISTANCE INVESTIGATING THIS MATTER
Product: Debt collection

XXXX stated that they sent me a communication sometime in XXXX about this alleged debt. They said they sent it via email. I do not believe them. I have since asked them to prove they sent the communication to me i.e provide a copy of the message they sent me but they have just decided to ignore me.
Product: Debt collection

On Saturday, XX/XX/XXXX I received a notice that XXXX a debt collection agency on behalf of XXXX XXXX XXXX XXXX XXXX falsely put in a Derogatory Mark on my credit report for a debt that they never previously contacted me about and one which exactly 2 years ago, I informed XXXX XXXX that I did not owe because I was not living at the location and had proof of my move since XX/XX/XXXX. 

I was never further contacted by them after that last discussion on XX/XX/XXXX and now this is unfair that my credit report has to suffer for something that was not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Inquiries On All Three Credit Reports 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

These following companies pulled my credit, I do not recognize them, please remove these inquiries off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

As a customer of TD Bank, I received an email message XXXX XXXX informing customers that the bank would be increasing its monthly fee for paper account statements from {$1.00} to {$3.00}, beginning XXXX XXXX. Here 's a portion of the email message : " Heads-up. The paper statement fee is increasing to {$3.00}. But don't worryyou can avoid this fee just by enrolling in paperless statements. Plus, when you make the switch, you'll eliminate clutter, help the environment and enjoy XXXX access to your account information. '' Tripling the fee adds up to {$36.00} per year per customer, which is exorbitant, and amounts to coercion to transition to online banking, which I, as a senior citizen, wish not to do. This move presents a hardship to seniors I know who aren't on the internet and to lower income customers, especially in rural areas, who don't have access to reliable internet or who simply can not afford the service. 

As the XXXX XXXX XXXX XXXX notes in a XX/XX/2016 paper, " Paper statements must be available for free for consumers who want them, and consumers should not be coerced into electronic statements or steered into them by default if paper is the consumer 's first choice. '' In the report XXXX enumerates several reasons regarding the importance of paper statements as a consumer protection : XXXX XXXX XXXX I have been willing to pay the {$1.00} per month fee to receive paper statements because I think having a hard copy for my records is important ; however, I feel " taken '' by TD Bank 's move to triple the fee. 

As XXXX writes, " Unfortunately, some financial institutions are aggressively pushing consumers into electronic statements, using tactics that are questionable and arguably illegal. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has been reporting two invalid addresses and Incorrect name which I have been requesting immediate removal for more than a year now from my EXPERIAN CREDIT REPORT! 
Name : XXXX XXXX XXXX My name is : XXXX XXXX - No G Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX on XX/XX/XXXX Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/26 I paid the current balance ( not the statement balance ) on my card. Paid current balance then was charged finance charge on XXXX balance XXXX weeks later. Stating that the current balance is not the actual balance even after paying off and showing a XXXX balance. I received no phone notifications that my account was 30 days late let alone 60 days. I went to pay off the balance of XXXX and called customer service only to be told you can not pick the current balance but the payoff balance but when you try it is not even available and that the actual payoff would be XXXX cents more. Did another payment to include the XXXX cents. Totally XXXX. Gave me address to dispute community bank XXXX XXXX XXXX XXXX Ohio XXXX. When asked she said on XX/XX/XXXX someone called but no message left the. Said she wasnt sure if they contacted me at all maybe just statements in the mail. How can they charge n XXXX then apply min interest fees etc without notification that your account is past due? No emails calls nothing.
Product: Vehicle loan or lease

XXXX XXXX, XXXX I received a call from XXXX XXXX at XXXX XXXX. However, I was traveling that day to XXXX, Hawaii. I did not receive the message until XXXX XXXX Hawaii time ( 3 hour time difference ) They had advised me that if I did not call by XXXX XXXX ( MT ) that my payment would be late ( 30 days ). This was a complete oversight for not making the payment in time as I had thought I made the payment. I immediately made the payment via online that very day. I checked the website again the next day, XXXX XXXX, XXXX and the payment did not post so therefore I made another payment. I ended up calling XXXX to make sure they received my payment as they advised me that there was two payments of {$820.00}. She said I should cancel one as  they did in fact receive the first payment. XXXX still marked me as a 30 day late. I have had an account with them for 5 years and have never been late. I asked if they would make a one time exception for remove the 30 day late given the circumstances but they did not. This greatly effects my credit and the ability to get another car. I would like to keep my account with XXXX but if this does not get handled then I will not be a customer again come the end of my lease term.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with 1st Advange regarding the misreporting of my backgound and credit reporting history while proceeding through the tenant background process. They claim that I do not have a credit history in the last two years when they checked with XXXX, which is total false. XXXX confirmed that they have not accepted to access my report. Due to this misinformation I was approved with conditions which involved a {$400.00} nonrefundable fee. In addition, the cost of the application to apply was a {$200.00} fee, has caused a total inconvience finacially. This is totally unacceptable.
Product: Mortgage

Complaint is against Village capital Investments. I keep getting notices that we are being charged late fees for payments that have in fact been received on time. I have it on automatic Bank payments, I spoke to my bank who said they have proof that they have received every payment on time but the company chooses to wait 10 to 13 days to cash the checks, to be able to keep charging us the late fees. When I have called numerous times to get this issue resolved I keep being hung up on or told to call their legal department without being given the phone number then hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

These knuckle heads are playing a hard ball by alleging that someone is helping me with the issue. XXXX fixed the issue as they did their job of removing the fraudulent accounts. Experian totally ignored my request and the laws and kept it moving. Please. The amounts owing are not mine for XXXX and XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION and XXXX are reporting incorrect information for a XXXX account. Account name, number, balances and payments are wrong.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act THE BEST SERVICE COXXXX Account number XXXXhas violated my rights.15 U.S.C 1681 section 602A states that 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.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX OF XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card

What I now know was a scammer paid off my credit card then forced me to make a XXXX Cash advance on my Credit Card & send it to an account. I contacted the credit card company multiple times they said that the cash advance had cleared & everything was fine. It was n't .... the day after I made the deposit into the account that they forced the deposit bounced. I contacted the credit card company with account # money even the bank account # the money went into & they said that the card company could contact them & get the money back cause account was still active. At first they said no problem they would work in out & requested I file police report & credited my account then they later denied my claim. I filed the police report & done everything they requested. They send me replacement cards, Now that they denied the claim the account is over the limit & closed. Please have them Double check Exact amount on Cash withdraw. It was maximum allowed. Police report was less than I was thinking but i could be incorect
Product: Credit reporting or other personal consumer reports

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 
TRANSUNION IS THE ONLY COMPANY STILL REPORTING FRAUDULENT ACCOUNTS. XXXX and XXXX removed all fraudulent accounts and my reports should be the same across all three companies
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXXXXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$150.00} ( XXXX XXXX ) XXXX XXXX XXXX {$3500.00} XXXXXXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 15 u.s. code 1681b- permissible purposes of consumer reports. This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number:XXXX XXXX Account Number:XXXX  XXXX XXXX  Account Number:XXXX XXXX XXXX  Account XXXX XXXX Account numberXXXX XXXX XXXX Account  number:XXXX
Product: Mortgage

Received a letter today XX/XX/XXXX, from SLS, dated XX/XX/XXXX, acknowledging receipt of my XX/XX/XXXX payment but not designating how they applied it and demanding {$4500.00} by XX/XX/XXXX or they will foreclose. I do not owe them {$4500.00}. I have made all payments since XX/XX/XXXX. They will not disclose what they have done with the payments or who or how they process them. I have requested the names, addresses and phone numbers of all employees who have had contact with my file and/or processed my payments, requesting details of how they processed them and what company policies and/or procedures they followed from XX/XX/XXXX to the present. Attaching copies of their letter, my letters, and my Exhibit A & B with usps receipt numbers. I had to send the letterssPriority Express and it cost {$26.00}. What payments, specifically, do they claim I have not paid, or have not sent, and what have they done with them? Thank you for any assistance you can give me. I have an XXXX  from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I viewed my credit report I noticed an inquiry on TransUnion from a XXXX XXXX XXXX XXXX I have no knowledge of this company. I tried to contact them on XX/XX/23 spoke to a representative that stated he had no record on an inquiry submission. Then the rep hung up the line.