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

I eagerly anticipate receiving positive deletion updates within the next 15 days. My sincere expectation is that the majority, if not all, of the fraudulent items listed in my complaint dated XX/XX/XXXX will be expeditiously removed. To ensure the realization of these deletions, I am submitting this complaint as a follow-up to my recent ones. Additionally, I am re-attaching my FTC report with reference numbers # XXXX and # XXXX. I earnestly request the prompt removal of the listed fraudulent items from my credit reports : -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DPT EDXXXX XXXX Balance : {$210000.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting and send all information to a address I never lived at also date and amount is wrong please delete because they have all wroth I information on report. Please verify the address they have on file
Product: Mortgage

Twice I have attempted to make my payment online with SPServicing and twice it has failed due to an incorrect account number. When it happened the first time, I assumed I typed the account number incorrectly, but when it happened a second time I suspect an error in their system not my typing. I called customer service and spoke to XXXX XXXX at extension XXXX and explained that their must have been an error in processing the payment and could I please make the payment over the phone. He informed me that because this had happened twice in 6 months, they would only accept certified funds. He refused to take my payment over the phone and informed me that if I mailed a check it would be returned if it wasn't certified funds. Just to be clear, neither payment was returned for insufficient funds but rather an incorrect account number, and the account has never been in default. I have read my mortgage Note and do not see anywhere that requires me to send certified funds if a payment isn't processed due to an incorrect account number. The payment is not delinquent and the account is not in default. Please clarify if SPSerficing is allowed to refuse my payment and require certified funds when the account is not in default or past due. Thank you.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

Citibank made a business decision to close my cash back rewards card. They were supposed to mail me a check of my accrued cash back of {$1400.00}. They never did. I have called four times since XXXX each time I was advised it will take 7-10 business days. Today XX/XX/19 I called they stated the cash back I accumulated was not guaranteed to be sent to me. That was a balance that I accrued and during their decision to close my account which I am still paying a balance for them to send me what I have earned on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

two years back I filled out an application for these apt but was never told of a fee of XXXX XXXX. when i left the office I noticed they had put this on my credit. I would have not filled the applicant if I knew there was a fee. they got my ss number off the application and put this charge that I was never told of on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

On XXXX XXXXwo wires were made from my business checking account totaling {$9700.00} which was UNAUTHORIZED and FRAUDULENT. These wires were sent to an individual. Citibank never received my authorization to make these wires and now REFUSES to reimburse my business account. 

I have personally spoken with the bank numerous times and they fail to reimburse me my money. They claim I " inadequately protected my account ''. Not sure what they mean by that since the wire were never authenticated. 

In addition I sent this information to our Attorney General, XXXX XXXX, whom directed me to contact the Consumer Financial Protection Bureau. If nothing can be done then I will have no choice but to litigate this matter in court. Hope you can help me. 

XXXX XXXX XXXX
Product: Mortgage

Company is illegal hold my flood loss draft insurance checks for my properties. I won the case in XXXX county Supreme Court and Ocwen is harassing me without Federal Truth In debt collection act. Ocwen illegally patern my life for money along with New York State Department of Finance. Hold  funds in escrow without legal reason. Alleged collusion with XXXX insurance for my property damaged claims check.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Took out a loan of XXXX and I have been paying XXXX biweekly but still owe XXXX. Interest rate is 699.72 % which is illegal in the state of XXXX and was not informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 card

Isent BELK/SYNCHRONY BANK certified mail, so they signed for it and they refused to accept my payment. 

According to UCC Article 3, " dishonored '' refers to a situation where a drawee ( a bank or other financial institution ) refuses to accept or pay a draft ( a type of check or other negotiable instrument ) presented to it. This can occur for various reasons, such as insufficient funds, a stopped payment order, or a closed account. 

Here 's the specific language from UCC Article 3 : " Dishonor of an instrument occurs when : A drawee refuses to accept or pay an instrument presented for aCceptance or payment ; or An instrument is presented for acceptance and the drawee does not accept it. ( UCC subsection 3-502 Dishonor ) Here are some additional examples of a dishonored negotiable instrument : XXXX. Bounced check : A check is returned due to insufficient funds in the account. 
XXXX. Stopped payment : A check is presented, but the drawer ( the person who wrote the check ) has ordered the drawee ( the bank ) to stop payment on the instrument. 
XXXX. Closed account : A check is presented, but the account has been closed, and the drawee refuses to pay. 
XXXX. Invalid signature : A signature on the instrument is forged or unauthorized, leading to dishonor. 
XXXX. Expired instrument : A check or draft is presented after its expiration date or stale date usually 6 months after the date of issue ). 
XXXX. Drawee 's refusal : The drawee ( bank ) refuses to accept or pay the instrument for any reason, such as a dispute with the drawer or a suspicious transaction. 
XXXX. Technical errors : The instrument contains errors, such as a missing signature, incorrect date, or invalid amount, leading to dishonor. 

In the dishonor section of ucc 3, it says nothing about how they can dishonor any instrument for any random reason. In fact, ucc 3-603 ( b ) says that if they reject it unjustifiably then it still applies as a payment regardless. Is the rules listed in UCC 3-502 the only rules that govern dishonor?

In section 6 it specifically says '' drawee 's refusal ' i don't see that language anywhere in UCC 3. Am i missing something?

UCC 3-502 provides the specific reasons for dishonor. and it does not include drawees refusal or any random reason as grounds for dishonor.

UCC 3-603 ( b ) states that if a drawee rejects an instrument unjustifiably, it is still considered a payment.

UCC 3-502 is the primary section governing dishonor. and it explicitly lists the reasons for dishonor, including : Presentment not made within the time limits Insufficient funds No account or account closed Stop payment order Forged or unauthorized signature Material alteration Instrument not payable in the United States
Product: Credit reporting or other personal consumer reports

I have submitted 3 disputes to each of the credit bureaus. An erroneous child support account was put on my credit report 3 months ago. My child support account has never been in collections. I even went down to the court house and got a copy of my child support payment ledger. The child support account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my child support payment ledger and court house documents.
Product: Student loan

All my student loans were consolidated on XX/XX/XXXX by 'XXXX ', now known at 'Nelnet ' XXXX At that time, and at no time ever after XX/XX/XXXX did 'XXXX ', now known at 'Nelnet ' or did any other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XX/XX/XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called Nelnet XXXX and I explained my predicament, and they replied, " Hope the information we gave you helps, good luck! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the transfusion over over 250,000 blood products into patients over my Public Service Career. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'Nelnet ' or did any  other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types ). Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraud and personal statements off my credit file effected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian along with my theft report police report information also a procedural letter request requesting documents they received to verify the fraud account on my credit report, inaccurate address also inaccurate bankruptcy along with a letter from the court on my credit report given as the furnisher on my credit report, documents received. I requested documents supporting their proof these accounts along with the Bankruptcy belong to me the request was received by them XX/XX/18 giving them 15 days to provide the proper documents or remove all items for supporting documents where sent. They refused sent a new credit report with no changes. My dispute was direct & sent straight to the source Experian ... I called yesterday spoke with a rep that told me they don't really verify through the courts on the credit reports ( which is a violation ) disputes are to be answered by the furnisher in the credit reports or they Must remove the item. The rep told me they use a 3rd party vendor & they can't give that information. I advised her the information is inaccurate & I need to dispute with the source she refused also refused a supervisor.. I also have copies of all documents sent & verification my theft reports where received
Product: Credit reporting or other personal consumer reports

Experian has been falsely sharing my personal information and preventing a screening company from accessing my credit report. They have reported to a third party that I disputed an inquiry as fraud, yet this inquiry does not exist. Shortly after speaking with Experian 's fraud department, I received an email stating I disputed this non-existent inquiry, which they then deleted without my authorization. I did not give Experian permission to take these actions on my behalf. This improper handling and tampering with my information have not only caused significant delays but have also obstructed my right to secure appropriate housing. Under the Fair Credit Reporting Act ( FCRA ), it is illegal for credit reporting agencies to share inaccurate or misleading information and to deny consumers access to fair and accurate credit reporting. What happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries listed on my credit report that were not initiated or authorized by me. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS randomly put some alleged debt on my consumer report without first contacting me to verify with me if they could even report on my behalf. I have since sent a notice of dispute and debt validation letter with my current mailing address for them to confirm with me in writing the validity of such alleged debt but I was ignored and they continue to violate my rights as a consumer. The tracking number for the notice of dispute is XXXX and said notice was shipped on XX/XX/2023. According to the USPS official site NATIONAL CREDIT SYSTEMS received the notice XX/XX/2023 at XXXX. Included in the notice that NATIONAL CREDIT SYSTEMS received was instructions of a cease and desist where I notified NATIONAL CREDIT SYSTEMS in writing that they are to cease further communication with respect to such alleged debt except to advise me that NATIONAL CREDIT SYSTEMS further efforts are being terminated if they are unable to provide lawful proof of their claim, which they did not provide me with any documentation and intentionally ignored the official notice. In addition, NATIONAL CREDIT SYSTEMS is currently violating federal law, they continue to leave comments and change remarks on my credit report which is causing damage which the consumer report is a medium of communication and because that is the only form of any new information from them to me that action is another federal violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections account # XXXX in the amount of {$170.00} from the original creditor XXXX XXXX appeared in my credit report in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Debt Validation letter to Enhanced Recovery Co in regards to an unverified account in the amount of {$190.00} that appeared on my Credit Report on XX/XX/19 and they responded with a bill and that is it! On this bill also it shows an address in Louisiana and I have never even lived in Louisiana at all there is no way that this is my account. Plus a bill is not validation that I owe this debt it is just a bill for an account that was in my name and I have absolutely no knowledge of this account at all. I reached out to them after the bill was sent to me letting them know that this was not my account and did not hear anything else back from them which is ridiculous! I have to file this complaint because they have been ignoring me since they sent the bill to me as validation.
Product: Money transfer, virtual currency, or money service

I am writing to formally report an issue regarding a transaction involving my bank accounts and seek your assistance in resolving it. 

In XX/XX/year>, I initiated a transfer of {$800.00} from my Cash App account to my XXXX account. After the transfer was completed, I attempted to transfer the funds back to my Cash App account. However, the funds have since disappeared from my accounts, and I have not received them back. 

Both Cash App and XXXX have informed me that the funds were in the process of being sent back to each other, but as of now, I have not received any of the money. I have contacted both banks multiple times, and they have assured me that the issue is being addressed, yet there has been no resolution. 

The lack of clarity on the status of my funds and the extended period of time without access to my money is extremely frustrating and concerning. 

I am seeking your assistance in resolving this issue as soon as possible, as it has been ongoing for several months. Any help or guidance you can provide in facilitating communication between the two banks or in recovering my funds would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX/XXXX  XXXX/XXXX
Product: Debt collection

XX/XX/24 amount XXXX Ask to verify agreement purchase no response