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

The late payments on my credit reports should not be showing. I asked for assistance with a hardship and explained that I had XXXX  during the time the payments are showing late. I have never been late and would like XXXX XXXX to remove the late payment status on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are reporting a charge off for SYNCB/TJX CO XXXX Charge offs are income and may not be reported on a consumer report. I have not received a XXXX. This account report shall immediately be deleted from all consumer reporting agencies.
Product: Debt collection

National Credit Adjusters , LLC is collecting on an original debt from XXXX XXXX, an online loan lender. Representatives from Credit Adjusters are calling my cell phone nonstop using repeat auto dialing, they are calling my place of employment repeatedly, and talking to others about my debt using strong language and in a tone that would suggest that I'm being sought after because I am in trouble with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed several fraudulent accounts. Please help me remove these accounts as soon as you can. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER
Product: Debt collection

Portfolio Recovery Associates. I keep telling these people that this account is not mine. its been 7 years now and they keep " disputing '' it maybe 5 or 6 times now but its not going away for reasons I don't even know. This account was opened in XXXX. So that would mean I was XXXX or XXXX at the time. I am now almost XXXX. I now have XXXX kids and still am unable to independently put a rood over my children 's heads because this has been on my credit report and following me for years. All over something that is not mine. the amount is over {$800.00} and I don't have money just laying around to be paying off things that aren't even mine. This has been a nightmare and I just want it to be over.
Product: Mortgage

My doublewide home and land had already been sold. I don't know the dates exactly, but they wouldn't let me catch it up on payments. The money that I did send XXXX XXXX, they didn't take it off my balance. They did send XXXX XXXX dollars back. They kept the rest because I never saw it.I don't know my account number or loan number. My address was XXXX XXXX XXXX, XXXX, S.C.XXXX My cell number is now XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off XXXX and XXXX of XXXX  telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I reached out to the company via phone before a payment was made to this account advised of a pay to delete and i was granted that information if i processed the payment they would delete the account in full so i processed the payment afterwards i never received anything from this company but they did make sure to updated my credit report showing paid but never removed the account from my credit report as i was granted
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed a account that was not reported accurately. I had two late payments on an account that i in fact paid on time. the consumer reporting agencies have need to report my information with complete and accurate. I am now requesting an investigation to provide verifiable proof that the records showing that i had late payments. If this information can not be verified then i demand that this payment be paid on time immediately. Thank you for your understanding and prompt action
Product: Debt collection

I disputed that the collection account reporting inaccurate / inconsistent original creditors to two different credit bureaus over 3 times also provide proof to both. The debt collector that's reporting the account verified the account was reporting accurate to the credit bureaus. Even when XXXX  & XXXX  reporting 2 different Original Creditors & also other errors, also as different account status, XXXX reporting a past due account and XXXX  fail to report a past due.

FCRA say the account have to be 100 % accurate, if information on the account is inconsistent how can it be accurate. XXXX  say the Account name is Rent Recovery Solutions, LLC but XXXX  just report Rent Recovery Solutions, that's two different names.
Product: Money transfer, virtual currency, or money service

Received text from Chase saying an unauthorized transaction was made and to decline or approve. 

Declined transaction, then received a call from a phone number claiming to be chase. 

Said someone was attempting to transfer {$2000.00} to an external account that was added to XXXX. 

They had us log in and then send money to our own account which was already registered with XXXX. 

Somehow they deleted our info associated with XXXX and attached another account through XXXX. When I moved money from my account it went instead to their account. 

Chase claims it is our fault but because our account was already registered it should not have been a problem as the account was already registered with my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX balance of {$1400.00} I have tried to clear this balance and have it removed from my report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. I paid a balance of {$820.00} in XXXX of XXXX. Also XXXX of XXXX, I moved back into the apartments and has to pay a deposit of {$630.00} to pay off balance and move back into the apartment complex. I have submitted this and tried to work with XXXX XXXX  several times where they kept giving myself and account manager the run around. They eventually told me since they weren't able to get a response from XXXX management, the management company of XXXX XXXX apartments, that I would have to dispute with the credit bureaus or pay the balance again. I have submitted the documentation to the bureaus several times. However, they only investigate and verify debt the collection agency and have not reviewed my documentation and refuse to remove the collections from my report. I have uploaded a copy of my bank statement, my receipt, an email where the apartment complex actually gave me a refund, and copy of my new lease showing as a current resident/tenant of the apartment complex again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account information was compromised and I 've been enrolled in their identity theft protection program without my consent. They also took over a month to make me aware that my information had been compromised. Meanwhile, their executives have been selling off stock in the company before making their announcement. This is in regards to Equifax.
Product: Mortgage

XXXX XXXX bank treated us unfairly they denied us a loan Modifications i XXXX XXXX was on the phone begging with XXXX for a Modifications every day or every other day everything they ask for i sent it to them or Fax it to them at frist i thought they was try to help us but man was i Fooled later it was very very hard to get in contact with XXXX even when i got a phone open to leave a voicemail messages know EVER call me back next i new few weeks later we was receiving Foreclosures Papers, I had a bad accident on the job XXXX and i had to XXXX this put me out of work on to workers Comp for 2 1/2 years them my did not call back so i had to find another job them my wife has a massive XXXX that put my wife out of work for good XX/XX/XXXX now she is fully XXXX  one i know big banks don't care about any 'HARDSHIP ' that you have they always only care about THE MONEY not or us the house located at XXXX XXXX XXXX, XXXX, NEW YORK XXXX
Product: Money transfer, virtual currency, or money service

I believe West Realm Shires Services, dba FTX.US is in violation of the Electronic Funds Transfer Act ( EFTA ) by failing to make funds available to me by the disclosed date of availability. FTX is holding cash funds that belong to me, without communicating in any way when they will return my funds. These funds comprised over half of my families life-savings. As a young family with two children under 3, I can not express how significant of an impact this is. This is my girls ' college funds.

I withdrew from my cash account balance via the FTX.US app, via one ACH transaction of {$11000.00} to be sent to my bank account at XXXXXXXX XXXX, following the FTX.US guidelines, instructions and terms of service on XX/XX/2022 ( three days prior to FTX.US declaring bankruptcy on XX/XX/XXXX ). At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts, both before and after my withdrawals. 

These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. Per my account on both the FTX.US app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. Further, I was told the transactions were in process, past the point of modifying or in any way, and that they would arrive in 3-5 days. I have yet to receive my funds.

The FTX.US terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at XXXX XXXX ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at XXXX XXXXTo the extent you hold USD XXXX balances ( and such balances are not held in stablecoins or other investments ), those XXXX balances are held in customer XXXX accounts at FDIC-insured banks ( XXXX XXXXor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.
Product: Checking or savings account

On XX/XX/23 American Express Bank received a written request from me to close my certificate of deposit ( balance of $ XXXX ) early and transfer the proceeds to a high yield savings account with the same bank. The form indicates it would be 13 days to complete closing the account and transferring the funds, not specifying business or calendar days. On XX/XX/XXXX I contacted American Express Bank to determine what the status of the account closure and transfer was since it had not been completed yet. I was told that there was a backlog and that it would be closed the following Monday, XX/XX/XXXX or Tuesday XX/XX/XXXX, at the latest. Today is XX/XX/XXXX and the account has still not been closed and the funds have still not been transferred to the savings account. I contacted their customer service and after speaking with a customer service rep, she was unable to contact someone in the " back office '' to determine what has happened and why they have failed to close the account and transfer the funds. I feel they are deceptive in their disclosures when closing an account with them. Since this is an internal transfer within their own bank, this should not have taken well beyond their own indicated timeframe.
Product: Credit card

XXXX XXXX my AT & T Universal card through CITI Bank was hacked and many charges were made on my card. I called that day to report it and asked that my card be shut down. In a few days I received 2 new cards having new account numbers with my name and a card with a fake name from Citi Bank. I called again to have my account shut down. I then received a single card with my original account number on it with the same fake name, XXXX XXXX. I called Citi again on XX/XX/XXXX to again ask that all accounts associated with my name be shut down. When I called again on XX/XX/XXXX I found that there were new charges on the account so I again told them of the identity theft and needed the accounts closed. On XX/XX/XXXX I called and was told it was being investigated, the new card had been declined, and I would get a letter in a week. XXXX, I called and reported everything again, was told I requested a new card which I didn't, and the agent said she would report everything and I would get a letter when it was settled. I also found that my mailing address had been changed to his in NY which was done after the initial phone call to shut things down. ( I don't know the person but he has used my card for XXXX rides in NY. ) The agent did look back and see that I had called several times and she would but a priority on the investigation which was what I had been told before. Had Citi Bank shut down everything the first day I called I would not be dealing with all of this mess. I can not go online to check the account since it has been hacked a long with many other things so I must rely on the agents to do what they said they would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all non-account holding inquiries : XXXX XXXX XXXX-inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX-INQUIRY : XX/XX/2023 2023
Product: Vehicle loan or lease

On XX/XX/2020 I requested online that Capital One change the account from which they debit their auto monthly payments to XXXX XXXX XXXX. ( See screen shot verifying this ) They subsequently debited on XX/XX/XXXX and XX/XX/XXXX my monthly payment of XXXX my XXXX account. I called today and spoke with XXXX on a recorded line and two other reps who refused to refund me the {$72.00} overdraft fees I was charged. XXXX admitted that Capital one made a mistake and never debited the right account. She went further to acknowledge that she had both the routing and account numbers for XXXX but did not know " why '' they debited the wrong account. They refused to refund my {$72.00}, however they advised they would as a courtesy refund {$35.00}. I terminated the call after that and refused to accept the {$35.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices I feel. These practices violate the CFPA ( consumer financial protection act ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, 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 have requested proof of validation for this account XX/XX/XXXX via writing to all credit bureaus & XX/XX/XXXX via CFPB but still have not received it. The creditor is reporting as a Charge Off on my Consumer Report but has reported to the IRS as a Write-Off. According to US Code 15 US 1681 ( e ) ( b ) and US Code 15 US 1681 S-2 ( a ) ( 1 ) ( a ), my rights as a consumer have been violated. This creditor is reporting this Income monthly on my credit report negatively yet Ive never received any information of a 1099 c documents of the write off or a validation in my investigation. Despite disputing through the credit bureaus and the CFPB has reported said creditor to the FDIC but still no response. In 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also in 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to FCRA 611 ( a ) ( 7 ), I have the right to a description of the reinvestigation procedure. The consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I also have the right to request the proof of the chain of title ownership of alleged debt youre reporting on my consumer report with a signed agreement with MY signature. 
I have been courteous by giving you a reasonable amount of time ( 30 days ) with the first 2 investigations. I am now demanding a Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request.
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of FCRA Violation and Request for Corrective Action Dear Sir/Madam, I am writing to formally notify XXXX XXXX XXXX of a serious issue regarding my credit report that appears to be a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered inaccurate and falsified information regarding my payment history with XXXX XXXX XXXX 

Specifically, the payment history on my credit report reflects discrepancies that do not align with my actual payment records. This erroneous reporting has significantly impacted my credit profile and has caused undue harm to my financial standing.

These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. **Accuracy of Information ( 15 U.S.C . 1681e ) ** : Creditors and furnishers of information to credit bureaus are required to provide accurate and complete information. Intentionally reporting false information or inaccuracies is a violation of this section.

2. **Duty to Correct and Update Information ( 15 U.S.C . 1681i ) ** : Upon discovering inaccuracies, the furnisher of the information ( creditor ) must investigate and correct any inaccuracies within a reasonable timeframe.

3. **Prohibition of Reporting Information Known to Be Inaccurate ( 15 U.S.C. 1681s-2 ) ** : Creditors have a duty to provide accurate information to credit reporting agencies. Knowingly reporting false information or failing to correct inaccurate information is a violation of this section.

4. **Willful Noncompliance ( 15 U.S.C. 1681n ) ** : If a creditor willfully fails to comply with any requirement imposed under the FCRA, they can be liable to the consumer for actual damages, punitive damages, and attorneys fees. 


I kindly request that XXXX XXXXXXXX XXXX takes the following corrective actions promptly : 1. Conduct a thorough investigation into the inaccuracies in my payment history that have been reported to credit bureaus.

2. Rectify and update the inaccurate information to reflect the correct payment history.

3. Provide me with a written confirmation once the corrections have been made and ensure that the updated information is reported to all major credit reporting agencies. 

Additionally, I request that XXXXXXXX XXXX XXXX provide me with any and all records related to the reporting of my payment history to credit bureaus, as allowed by law. 

Please be advised that failure to address this matter promptly and appropriately may result in further legal action to remedy the damages caused by the inaccurate reporting. 

I expect a response within 30 days of receipt of this letter. Your immediate attention to this matter is greatly appreciated. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Checking or savings account

my account was overdrawn, by {$23.00} tuesday XX/XX/XXXX, citizens charges me {$70.00} in overdraft fees, then a XXXX charge and XXXX XXXX charges get put on XX/XX/XXXX, another {$100.00} in fees, they claim if i paid {$91.00} by XX/XX/XXXX money would be put back. XX/XX/XXXX & XXXX i made a purchase of {$24.00} they charge me another {$100.00} now account is negative {$180.00} because they never put my money back for the fraud and initial charges of overdraft despite saying it would be removed within three business days. tuesday was the third business day. i call and all of a sudden its no longer 3 days but 10 business days. meanwhile im still being charged overdraft fees of {$35.00} when they should have had this fixed and those charged and fees off my account the same day like every single other bank does,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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
Product: Mortgage

Predatory payments on 4.25 % interest rates were payments don't match amount financed. Required way over recommended down payment as well at closing for a fha home purchase