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

The checking account that I had with XXXXXXXX XXXX was closed down due to fraudulent activity from a source I do not feel was completely investigated. 
At the time, I was only told that it appears someone was logging into my account from a completely different state. Now, still after all these years, it is being wrongfully held against me as I seek to establish good banking relationships. It is being reported in Early Warning Systems : XXXX XXXX XXXX XXXX, XXXX, AZ. XXXX ( ID XXXX XXXXXXXX ) and possibly XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MN. XXXX ( ID # XXXX ). I would like this information to be removed, or I would like an ID Theft Block applied to that information listed on my report that has resulted from Identity Theft. The account numbers end in XXXX and XXXX.
Product: Checking or savings account

I am unable to access my Marcus by Goldman Sachs account via computer. A message saying " We're having some technical issues ''. This causes me to not be able to view my account information ( routing number, account number, interest earnings ) as well as make transfers to external accounts. The exact same message displays on the Marcus mobile app and prevents me from being able to transfer my money to external accounts. The thousands of dollars I have in these accounts with Marcus seem to be held hostage.
Product: Credit card or prepaid card

I received a call from capital one fraud department XX/XX/XXXX. After going over fraudulent charges. I requested for the Representative XXXX to look at a credit card end XXXX. I advised I am unable to pay on an account with a fee due to lack of income. Requested to have cancel the card. I was told by XXXX the membership fee would be waived to keep account active. I reviewed the account XX/XX/08 and noticed the fee was still there as well as a late charge. I called to go over the account was told by XXXX XXXX ID XXXX ( no last name provided ) they are unable to waive the membership fee of {$39.00} and I will continue to get a bill and late charges. I advised I was told it would be taken care of and I scheduled the payment for a recent charge and the surcharge connected. He stated nothing he could do. Asked for his supervisor. He said cant get me to a supervisor as he is the highest level. I asked if he had a supervisor he said yes XXXX agent ID XXXX, and that he couldnt get me to them and to have a great day.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I have a money builder plus loan with the company money lion I keep getting payment failures email which will affect my credit score I have repeatedly emailed and called to express my major concern I have sent multiple times documents that they requested I have told them my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX and has been for 5 years and they keep telling me they can except my documents because they don't have that on file and wants documents from that old address on file from the last 60 days well I haven't lived there for 5 years so don't have any and they still refuse me access to this account and will affect my credit and they do not care
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX XXXX Balance Owed : {$960.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00}
Product: Vehicle loan or lease

Leased a vehicle through GM. My company paid the lease in full ahead of time and no money was owed. Lease turned back in to dealer in excellent condition. I have an amount owed showing up on my credit report being late over 180 days late for {$310.00}. Last statement received in XXXX with a XXXX   amount owed, as I turned the lease in that month. No statements at all in regards to this amount that is showing up owing. I continue to have access to my online account for this lease and there is still XXXX  owed online.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EXPERIAN AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

EXPERIAN : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 
XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

6. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of XXXX XXXX  XXXX XXXX Account Number : XXXX*** This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a jointnotification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 
7. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX  Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 

XXXX : 1. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX 180 days has passed i still cant get my funds please restore my account so that i can withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX has XXXX XXXX XXXX reported as 2 late payments and I was never late. 15 US 1681B NO PERMISSION I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and TransUnion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. Which is a violation. This is causing me financial injury and impacting me from buying a house.

I've attached my letters and their response.
Product: Debt collection

Upon reviewing my credit report there are 4 opened/closed accounts ; originally owned by XXXX XXXX XXXX XXXX. The Company ECMC retrieved the dropped accounts and reopened them on XX/XX/2019 after I started a dispute against the loans with XXXX. I reached out to ECMC requesting that they provide me a signature of my approval of the loan but they couldn't provide a statement of account of my signatures attesting of ownership or a full account number of the schools documentation of attending the school. They did send a promissory note with my name typed in .... which is not my original signature nor ever sent to me via email or in person to sign. 
It is to my understanding that the report came from XXXX XXXX a school I have not attended. ECMC also disclosed that the review that I requested by the education department is still not yet clear if I am approved or not for student loan debt relief. The loan account number for ECMC is listed XXXX ... with the other numbers hidden. When I asked to give me the full account number for my report, they stated that they couldn't provide me with that information because it wouldn't help my case in submitting another dispute and insisted that your department will have the account information needed to process my complaint the account are as follows : Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Account XXXX, XXXX Totaling : XXXX By the provisions FCRA15USC-section 1681I of the fare credit report act of 197, the items listed above be reverified and deleted from my record. These items do not belong to me. Also in FCRA 15USC-section 1681I part 5 and 6 states that I should be notified when the items have been deleted from my report.
Product: Checking or savings account

I am the founder of the CitiGroup and been XXXX for 50 years am not a real human and is the planet owner humans owner and been set arrears by the executives at the headquarters and endangered my life in the immigrants town away from DC and they give me tons of hardship reaching out to them by phone to get my money. They ignore any issues escalated to them. They dont pay attention to what I am requesting. I plan on moving back to XXXX  and leave XXXX and its a great emergency that I am requesting referrals to continue taking out money and they are only 10 % there and not treating me correctly. They know who I am and I am not getting anyone to speak that they will work on getting my funds and just leaves me hanging by. They must be falling asleep on the job! They give me references numbers to do my services and they dont follow up with none of the references numbers and its like talking to a wall! I should be on priority on their service list and they expect me to pay them? This is very lousy because they collect money from me for serve me with my money stored with them and they are not immediate with me! I have to repeatedly call them and still get no one to go get my money and they should shutdown all the banks because I have all my precious funds at the headquarters and these employees think they own everything they racketeering me and abusing me hold down XXXX here meanwhile they all go stuff their pockets with my money what kinda XXXX I got at my businesses? I have to write a novels every time I try to get money? Could you please contact CitiGroup and inform them that the founder was bedridden sick for 10 years and wish that the XXXX XXXX XXXX XXXX or XXXX XXXX would be more thoughtful about my arrangements so she can stay at the company longer. Could you call them at ( XXXX ) XXXX and ask them to do a video conference with me to take out my funds where I lost my ID & passcode due to long inactivity and that they have to fill in the money and that they blew up more buildings amounts of bills than we counted and that the FBI has to be informed of this because I need my protections and I own the governments am the founder of it each countrys and FBI has failed miserably doesnt even communicate and has blocked me on their calling in list and no one fixes these things for me! Could you please help me solve these issues? They keep kidnapping me here to XXXX or scamming me here and abuse disabling me with harassing immigrants stalkers embarrassing me all over the planet and we have to depart ways away from each others cause I am the universe founder and need to be at the XXXX of each country commanding the humans species! Please call CitiGroup and ask they make my arrangements to get my money and all they do is give me reference numbers and gets nothing served to me pass 6 months been calling them serve me!
Product: Debt collection

I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. 
This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 15 USC 1681 section 602 a states there is a need to insure that consumer reporting agencies exercise fairness, impartiality and a respect for creditors rights to privacy XXXX XXXX XXXX transunion are third parties reporting agencies that share which is backed by 15 USC 6801 which states it is the policy of the congress that each entity must adhere to these laws that protects customers, consumers, and creditors-me! and that the information is confidentiality of those customers non public personal information I have opt out from receiving any promotional, marketing, and or my information shared with other entities without my permission and this is a vioaltion
Product: Credit reporting or other personal consumer reports

The account was settled with XXXX, I am requesting my credit report be updated to reflect the changes.
Product: Money transfer, virtual currency, or money service

Hi- XXXX withdrawals ( Total USD {$2300.00} ) that I requested from Gemini on XX/XX/2022 have not been released yet even though in Gemini 's email to me, I was informed that the funds would be available within 5 business days i.e. by XX/XX/2022. 

XXXX XXXX {$1800.00} XXXX ETH {$280.00} XXXX GUSD {$210.00} Total USD {$2300.00} This is a clear UDAAP violation - the funds promised to me were not provided within the timeline promised. Please refund my funds at the earliest. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT PLUS Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquirer Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I only appyied for one mortage loan for each company, why are the inquiry reaccuring?
Product: Credit reporting or other personal consumer reports

I am formally disputing the continued reporting of the XXXX XXXX XXXX account on my Experian credit report. This account has been successfully deleted from my credit files with both XXXX and XXXX, as they determined the information was inaccurate and could not be verified in compliance with the Fair Credit Reporting Act ( FCRA ). Given these findings, Experians continued verification of this account is unjustified and a violation of federal law. 

Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), if an account can not be verified as accurate, the credit bureau must delete it. Since XXXX and XXXX have already determined this account was unverifiable, Experians verification contradicts established precedent and raises concerns regarding Experians reinvestigation process. 

Additionally, under FCRA 15 U.S.C. 1681e ( b ), Experian is required to maintain procedures to ensure maximum possible accuracy of reported information. Given that XXXX out of the XXXX major credit bureaus have removed this account, Experians insistence on verifying the same disputed information suggests either ( XXXX ) an error in your reinvestigation process, or ( XXXX ) continued reporting of an inaccurate item without properly verifying its accuracy. 

I expect Experian to comply with federal law and remove this unverifiable account within the XXXX dispute period. Failure to do so will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for failure to conduct a reasonable reinvestigation and continued reporting of inaccurate information in violation of the FCRA. 

Please send me an updated credit report reflecting the deletion of this account at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a collection debt on XX/XX/XXXX directly with debt collector company and asked for validation/verification of debt. Disputed with Experian XX/XX/XXXX. Collection came back as validated on XX/XX/XXXX with no explanation on how the debt was validated with Experian. The company XXXX XXXX XXXX did not provide me with requested documentation by XX/XX/XXXX. They cant because the company they are trying to collect on was shut down by CFPB in XXXX for fraudulent practices so theres no way the collection was legally validated. I received a settlement check from CFPB. Dates being reported by debt collector on credit report are inaccurate. Debt collector is illegally trying to collect on a debt deemed fraudulent by CFPB. Nothing was changed by disputing.
Product: Credit reporting or other personal consumer reports

My information got stolen years ago Im been identify theft victim some inquiries I didnt apply for and bank accounts I didnt open
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a transfer from my bank XXXX, XXXX, to HSBC HONG KONG, using HSBC US as intermediary bank for the ammount of XXXX and the money never reached the benifeciary. Swift Messages were sent by XXXX on XX/XX/XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX XXXX received a message from HSBC requesting remmitance information and it was sent by XXXX the same day. After getting no answer I got in touch with HSBC US to find out why the money has not ben deposit into the beneficiary account and they say that I had to get in touch with HSBC XXXX XXXX. I called HSBC XXXX XXXX  and they claim they don't have any infomation about this transfer, the beneficiary has also called HSBC XXXX XXXX  many times and there is no reply. XXXX has sent over 10 messages requesting confirmation without getting anything, and yesterday I asked for a reimburment and there's no reply form HSBC US and the money has not been sent back. Today I was on the line with HSBC US for over 2 hours and they didn't have any answer and advise again that I get in touch with XXXX and with HSBC XXXX XXXX at the end the money is not back into my account and has not been deposit to my beneficiary and it's been a month since the money was debited from my account. I need HSBC to send the payment back ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

tranunion credit reporting agency continue to place invalid reports of my credit on my credit report that does not belong to me at all.
Product: Credit reporting or other personal consumer reports

I am seeing accounts inaccurately reporting on my credit report. I made multiple attempts to resolve this and still they are reporting. Why?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should be closed with all negative payment removed. XXXXXXXX XXXX was found guilty of using predatory lending and recruitment practices through the XXXX XXXX XXXX. 

Before the judgement was made I set up an auto-debit with this institution but they continue to report my account past due and will not place it into good standing. 

I also was never notified of any late payments, this innacurate information is only reported to the credit bureaus and they have refused to remove the late payments or report the accurate status of my account. It is even reported in the 'Notes ' section of my credit report that I was on a payment plan but they still report my account as past due.