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

My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to XXXX and Transunion XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
Product: Checking or savings account

yesterday i tried to take out {$340.00} at an atm with my chime card, it said there was an error so i assumed something was wrong with the atm cuz i had JUST put money onto my card and didnt see why there would be anything wrong on my end so i went to another atm and it said it couldnt be processed, thats when i realized it had to have been something that was wrong on my end so i opened the chime app and tried logging in, it wouldnt let me and i assumed its cuz i put my password in wrong but i noticed it said your account has been closed. i was confused because i didnt understand why the XXXX it was closed. i checked my emails and there was nothing so i was stressing the XXXX out cuz i had money in this account that i no longer have access to, i have things i have to pay, what the XXXX am i supposed to do? so i refresh my email for awhile and finally get an email saying we regret to inform you we have made the decision to end our relationship with you at this time. your account will be closed. i started freaking out because i tried getting ahold of customer service several times and i wasnt able to talk to an actual person, i emailed customer service several times and have not heard back. i did some research and i guess this happens to people a lot and a lot of people dont get their money back or have had tried months to get their money back and havent heard anything from anyone, im worried the same thing will happen to me.
Product: Credit card

I have a government travel card with Citi as a military member. The account was closed over 10 years ago. However, the military requires me to maintain the XXXX account. Every few years I try to get the account reinstated because of training or military missions but I get nothing but back and forth and the run around from CITI. Most recently I called CITI three times only to be on hold for an hour each time and to be given different directions each time. They return my hard copy or email application for corrections, but I make corrections and then resubmit. Then they claim they have changed the process. Sometimes I am told I have to apply for a new card, which I do then it gets declined because I can not apply for a new card, I am told I must apply for reinstatement. However, I get the run around with the reinstatement and how to correctly get this process done which takes weeks to a month to get a reply from CITI. CITI often makes me defer to my unit administration who runs the program from the military side but then they do not know the answers either. This is potential affecting my career at this point or else I would continue without the card. However, the military has relied too much on this program and it is ineffective. CITI makes XXXX XXXX XXXX  on this government contract, but they can not effectively run the program. Soldiers are left on hold for hours with terrible service and poor guidance from CITI. The government needs to take this contact away from CITI bank ASAP.
Product: Debt collection

XXXX XXXX XXXX a subsidiary of NorthStar Technologies XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX, Ok XXXX ( XXXX ) XXXX XXXX This company sent me a letter stating I owed a debt for {$4900.00} in XXXX 2015 and I immediately sent a certified letter requesting validation of the debt and a copy of their license to collect and received nothing, in XXXX 2015 I received a letter stating they were returning the debt and ceasing all collection activities. I received summons to appear in court on XXXX XXXX 2015 for XXXX XXXX Oklahoma as they have filed a lawsuit, after sending letter stating they ceased all collection activities. 
I do not live in XXXX XXXX, OK, nor have I ever and for them to fraudulantly sue me in this XXXX is additonal Fraud and FDCPA Violations, specifically after I requested Debt Validation and never received it and they sent me a letter that they were ceasing all collection activities.
Product: Mortgage

I have my property taxes escrowed each month along with my mortgage payment. Rocket Mortgage indicated that the taxes were paid on XX/XX/2023. However, when I checked with the local taxing authority if my property taxes had been paid, they said that the taxes had not been paid. Currently my taxes are delinquent, and my home is subject to being sold for non-payment of taxes. I contacted Rocket Mortgage and provided them with contact information for the revenue commissioner 's office and my tax account number and the parcel ID. However, Rocket Mortgage refused to pursue this matter and required me to get a letter from the revenue commissioner 's office stating that my taxes have not been paid before they would take any action. This is easier said than done. I live in a small rural community, and the revenue commissioner 's office has limited staff. I have no idea when I can get such a letter. I don't want to lose my house because of Rocket Mortgage 's failure to pay my taxes with money I have already given them to do so.
Product: Debt collection

This number XXXX XXXX XXXX left me an automated voice message regarding a debt and then somehow called my brother about me ... when i call back it is a voice message box i would like them to not contact family
Product: Credit card

Ref previous complaint XXXX Hello, I have been a AMEX customer since 2013, and they provide cards for myself and both of my businesses and a line for credit for one of them. In all of this time I have never missed a single payment, paying off the full balance due each month. Today, XX/XX/XXXX, American Express decided to wipe out my credit limit on my personal credit card, and begin declining all charges, including recurring charges, and once again demanding early payment before the due date. This happened in XXXX of this year, and after I complained to the CFPB, they relented and restored my credit limit, however punished me by using the brief period of lower credit limit as justification to slash my business line of credit. 

Today marks the second time AMEX is punishing me, despite the fact I pay all of my bill in full and on-time every month, and have never carried a balance. To be frank, I think the fact that I do pay my bills is why I am being punished, since that reduces the amount of money they make off of me.
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, which violates the consumer financial protection act ( CFPA ) specifically Cash App fail 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 Transferred Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Acct # XXXX To whom It May Concern. 
I'm reaching out because XXXX is helping XXXX XXXX put incorrect information relating to my credit report. 

The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. 
By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud.

According to USC1681s-2 ( XXXX XXXX Acct XXXX XXXX ) as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 
**USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. 
In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that Navient Department of Student Loans Servicing are reporting inaccurate balances on my credit report. In XXXX I was attending college using my post XX/XX/XXXX VA benefits, but by error, only 80 % of my tuition was being covered. A reimbursement check was sent to the school on XX/XX/XXXX to cover the remaining 20 % of tuition that was paid by me using student loans and Pell, as I am eligible for 100 % tuition coverage. Right now, I still owe Navient for student loans that were taken out and paid to XXXX XXXX  on my behalf, even after the reimbursement by the Department of Veteran Affairs. I have included the ledger card provided by the school showing where the school has been reimbursed to this dispute letter. I was advised by my financial aid advisor to contact Navient student loan servicers and again by Navient to contact XXXX XXXX  financial aid advisors. These balances are inaccurate and I am requesting they be removed immediately from my credit report. 

I have attempted to contact all parties involved but was unable to get my issue resolved. I was only referred back and forth between the college and the loan servicers. I also placed a mail in dispute to XXXX requesting the balances be deleted due to inaccuracies but have not received a response in over 90 days, which is well over the time they have to investigate and provide me with accurate and original copies of proof of balances. I have included all documents showing my efforts to resolve this issue before filing this complaint, to this complaint
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$9900.00} I previously submitted a dispute to Transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report.

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have two accounts with Portfolio Recovery. They have failed to verify the Debt as valid.
Product: Debt collection

Its been over 30 days and the company has not sent me any correspondence. I spoke with XXXX, the manager over operations and advised him that the information was sent and I received a return slip back.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 

Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX in reinserting an account on my credit report without providing the required notice within the stipulated timeframe. 

On XX/XX/2023, I initiated a dispute with XXXX regarding an account ( Account number : XXXX ) reported on my credit report, and as a result of the investigation, I was informed on XX/XX/XXXX that the account had been deleted from my credit report by XXXX and XXXX. However, to my dismay, I have recently discovered that this item has been reinserted on my credit report. 

In accordance with the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), XXXX is obligated to notify me of the reinsertion in writing within 5 business days. Quoting the relevant section of the FCRA : " ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' Regrettably, I received no such notification from XXXX, a clear violation of the FCRA. I must emphasize that this is a severe breach of consumer rights and a blatant disregard for the law. I reserve the right to pursue legal action to address this matter. 

I hereby demand that XXXX immediately deletes the reinserted item from my credit report to rectify this violation. I have also submitted this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX 

Enclosed with this letter are copies of the original dispute submitted to XXXX, supporting documentation, and the investigation results from XXXX and XXXX. I kindly request your prompt intervention and assistance in resolving this matter. 

Thank you for your attention to this urgent matter.
Product: Debt collection

On XX/XX/year>, we sent a termination notice to XXXX XXXX XXXX, providing a XXXX notice to vacate our apartment, with a lease termination date of XX/XX/year>. A week prior to sending the email, we gave our verbal notice in person to the property XXXX, XXXX XXXX. This notice was in full compliance with our lease agreement. 

Despite our timely notice, management claimed they never received the email and stated that our only option was to continue the lease on a month-to-month basis. This claim is incorrect, as we had previously communicated through the same email without any issues. 

Subsequently, they sent us to collections, which is both unethical and illegal. This has resulted in an unjust collections action against us. 

Attached to this correspondence are the original termination email and follow-up communications confirming our notice.
Product: Bank account or service

I opened checking account and BMO Harris bank on XXXX/XXXX/2017 with deposit {$100.00} and on this day I tried to make online bill to XXXX credit card for the ammount of {$95.00}. Their website show me a message /in red/ that I can not make online bill payment now and I gave up from the idea to use that service. Suddenly and without my permission BMO Harris make a payment on XXXX/XXXX/2017 and on this day I did not have the money, I was charged NSF {$35.00}, I called to their customer service and the money were refunded. I was totaly surprised when I saw today that my account is negative, becasue BMO tried to pay again without my permission {$95.00} to the same XXXX credit card. I went to BMO Harris, XXXX on XXXX/XXXX/17, spoke with the banker - XXXX, spoke with the Branch Manager and Customer service and I was told that I ow {$91.00} to the bank because they paid to XXXX {$95.00} /I had {$3.00} in the account/. I paid the {$91.00} to the bank, but later during the day XXXX2017/ I got e-mail from BMO Harris Bank that they did not pay the {$95.00} to XXXX and I will be charged NSF {$35.00}. 
I would like to share that when I opened the account on XXXX/XXXX/2017 the banker never discussed with me how the online bill pay works and debit coverage as well! Now I know, but base on the worst banking experience ever in my life!
Product: Credit card or prepaid card

In XXXX of XXXX I noticed fraudulent activity on a CitiBank account that I did not realize was still open. During discussions on how to handle the fraudulent activity I mentioned that I would like the account to be closed given that I wasn't using it. ( Despite not using it I paid the {$95.00} annual fee in XX/XX/XXXX ). 

I stopped receiving any statements, paper or electronic in XXXX of XXXX so I assumed the account had been closed. In XX/XX/XXXX I received a notice about changes to the card that led me to check and confirm that I had been charged a {$95.00} annual fee in XXXX of XXXX. 

After closing the account online I called and asked about getting a refund for the fee given the prior conversations and cessation of activity. I was refused this request by Citi since I had not called in within 60 days of the charge.
Product: Mortgage

XXXXXXXX XXXX, I received my first bill of the new year from Freedom Mortgage, that bill was some 40 % higher than my previous bills ; I immediately called the company customer service line. Customer service could not tell me what was wrong but the customer service person mentioned that I was paying on 2 parcels, upon asking CS about this they explained that they do not contact the counties in the event of an error and that " they just pay the bill when it is due '' and that I would have to do this to find out -if- there was an error-. 

I contacted the XXXX County Tax Collector, we determined that I should not be paying on one of the two parcel numbers, XXXX, as it is not my property. 

I then contacted Freedom Mortgage CS, explained the problem to them and asked them to open an inquiry as well as sign me up for their automated updates on the inquiry, at this time they told me the completion date would be 2 weeks. 

A week or so goes by, I haven't received any updates, so I call CS again, they now tell me the completion is XX/XX/XXXX. 

No further contact from FM On XX/XX/XXXX, I'm billed and am still paying for the incorrect parcel. I called CS, the inform me that XX/XX/XXXX they've closed the inquiry I had previously made, they removed the incorrect parcel from my account with no further action necessary until XX/XX/XXXX and I would have to continue overpaying until that time when the conduct their regular escrow analysis. At this time I asked them to open another inquiry and was told it would take a few weeks and I would not continue paying for parcel XXXX. 

I have contacted them again and now they are saying the completion for the inquiry is not scheduled until XXXX and I am to continue paying for the second parcel
Product: Mortgage

The company is Specialized loan servicing, we never receive any statements from this company their was one initial payment book no monthly statements. The balance on this account is {$31000.00} with a payment of {$18.00} dollars a month. I only found this out through XXXX XXXX. My son was paying on this account and they all of a sudden refused payment on the account. He didn't know the balance on the account and assumed it was paid for without receiving a statement. We didn't know how to contact them. 18 months later we received a notice that the loan was in default, no way to catch it up paying penalties or any options. The only contact now is through a law office forcing us to do a XXXX  XXXX to try and save our house. Their is a primary mortgage on the house of {$110000.00} that has never missed a payment.If we would of received notice on this loan at any point we would of caught it up.They reported 18 months late on my credit report that i wasn't i aware of. I am XXXX XXXX XXXX and know that is no excuse but I was just wondering if their is anything that can be done. We contacted the lawyers handling the foreclosure and were told that they would send a restart on the loan in 3 to 5 days, when we call back we were told the lady misspoke and it would be 7 to 10 days. We feel at this point they are stalling to foreclose are our house. So we are scheduled to go to the lawyers office on XXXX to pay to file XXXX  XXXX in hopes of saving our house.
Product: Debt collection

Lease agreement terms 100 % fulfilled. 30 Day notice given. Never late on payments. Left with XXXX balance. All payments submitted in full. Also cosign DECEASED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security number:XXXX Date of Birth : XXXX XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phoneline account opened at XXXX on XX/XX/year> under the account number XXXX with the balance of : {$2300.00}. These accounts have resulted in several fraudulent hard inquiries which were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXXXXXX INQUIRIES and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud