23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Citibank, even though certified my XXXX status, knowing I am non-taxable person, still violate the law to charge me tax. I report to phone customer service and they stated I have to work out with banker in branch. I asked to banker, he did see I am certified and he did submit the request for me, and the case just closed and none of them give me reason of violation, yet they do not return the un-existing tax at all. In addition, I join their checking promo while I open the account, I finished the requirement, and I do not get what they listed " offer " there. I feel frustrated about Citi work.
Product: Mortgage

I HAVE FILED FOR A MORTAGE MODIFICATION MULTIPLE TIME OVER THE PAST XXXX YEARS. THE SERVICER HAS REPEATEDLY DENIED MY APPLICATION CITING FACTUALLY INACCURATE/INCORRECT REASONS FOR DENIAL. 
AFTER XXXX YEARS OF MULTIPLE FILINGS/REQUESTS/DENIALS, THE CURRENTMORTGAGE SERVICER FINALLY OFFERED A TRIAL MODICIATION PLAN WITH AN XXXX GUARANTEE NOT TO FORECLOSE. I AM I 'M CURRENT IN MY PAYMENTS ON THE MODIFICATION HOWEVER, A LAW FIRM RECENTLY SENT ME A NOTICE OF FORECLOSURE/SALE. ADDITIONALLY, I 'VE BEEN REVIEWING MY ORIGINAL MORTAGE DOCUMENTS AND REALIZE THE INTEREST RATE ON MY LOAN IS A XXXX PERCENT HIGHER THAN WHAT IT WAS SUPPOSED TO BE!
Product: Debt collection

LVNV FUNDING LLC keeps reporting to XXXX and XXXX they need to stop. 
Congress passed the FCRA Laws which allow you to permanently remove negative items from your credit report using prewritten dispute letters. You can remove these following items legally Collections, Late Payments, Medical Bills, Repossessions, Evictions Charge offs Bankruptcies, HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS.

And pursuant to the following codes it should be removed.

15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. LVNV FUNDING LLC ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me, or a copy of the Purchase contract that they legally owned this debt by the original creditor. Copies of all the statements from open to close, and Per XXXX XXXX XXXX  there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. 
Where is the 1099 tax form once a credit company writes off debt, they file 1099 Tax form?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates that letters that Ive sent out asking for original documents from the grantor about these accounts I contacted the courts and ask do they send out Information to 3party agency they sent me a letter in response No I forward this letter to the 3 agents and Im still having a problem
Product: Checking or savings account

Hi my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX Hi my name is XXXX XXXX On XX/XX/XXXX i found local catering company ( XXXX XXXX ) for making my up coming event happened and total of service charge where {$9200.00} with tax, i paid that with XXXX transaction XX/XX/XXXX {$4800.00} and XX/XX/XXXX {$4400.00} on XX/XX/XXXX or XX/XX/XXXX ( can't say exactly ) i got a call from their company and they told me some story that they are going to file a bankruptcy and they are not able to make my event happened, they suggest me to found other company. About request for refund at first they refused but when i told them they i will take a lawyer to take care situation they give me option to visit them and they will issue refund with merchant and also will give prove letter with signiture that they are confirming that they are not able to make the event happened, but when i visit them they told me that such as they don't have enough funds in their checking account their merchant will be not able to refund money and i will need to contact my bank, i open a disput with citi bank and no one didn't contact me to get prove of trasaction, Citi bank gave me my money back, today i found that my account negative and when i called Citi bank your representative told me that it's some reversal credit back from XXXX XXXX transaction now i am sending you guys prove with receipes and with prove letter with signitured by me and the owner of XXXX XXXX that they confirm that it was their responsibality and they failed to provide a service and they are not able to refund my money back, i am really disappointed regarding citi bank protection services and i am requesting imedently assistance with my citi bank negative balance and with claim, next step i will open case with Consumer financial protection bureau and they will take a look to this situation too. Thanks
Product: Debt collection

Asked for Written proof with my signature that Ive opened an account with the company. They refuse to provide that information and keep updated the debt as verified.
Product: Debt collection

I was a Tenant. 
I cancelled Lease. Offered to pay actual " owed '' amount. 
Creditor persisted to seek the wrong amount, then sent to Collections ( National Credit Systems ).

After continuing wrongful credit reporting, and after my being denied essential credit, the Collector made an offer to Settle. The offer was, in fact, the correct amount I originally offered upon Original Lease cancellation. ( Creditor actually relet the Premises prior to my Commencement Date at no loss to Creditor ).

My response to Collector 's settlement was to accept the amount, but, to require Collector to remove the collection from my credit report, & to NOT show as " Settled, Negotiated, Late, or Collected, Delinquent or Charged-Off '' - or reported in any manner deemed as a derogatory mark on credit. 
I sent this response to Creditors Settlement Offer in a Notice to Collector-Certified Mail. They signed receipt of my response XX/XX/year>. NO response to date.
Product: Credit card

The Costco anywhere Citi Bank sued me for debt collection, however they did not sue my XXXX XXXX  even though he has a card under his name and he used the same account. I had to settle with the debt collection agency to avoid any harm to my credit score. Keep in mind that I was not aware that the card was under my SS and the XXXX XXXX refused to pay his share. Im filling a police report as I have some evidence that he opened the account without my consent. 
Now I want him to have his share and add this debt to his credit score. I already paid two payments to the collection agency and Im planning to continue with my payments until I fill my obligations. 
Its unfair to take such a huge responsibility by myself while someone else enjoying the benefits of good credit score. 
I really appreciate your support as my divorce case still in court.
Product: Checking or savings account

I have a business credit card with Bank of America as well as a checking account. Bank of America closed the business credit card and now without authorization takes money from my checking account to pay the credit card. I am unable to use the credit card and funds simply being taken from my checking account are extremely impactful
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reviewing the complaint. After reviewing the credit profile, Nelnet continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.
Product: Checking or savings account

On XX/XX/XXXX  there was a fraudulent ach payment out of my business account to XXXX XXXX in the amount of Ach amount of {$21000.00}. 
While it was in pending status I called Chase Bank to report it XXXX. They paid it and I called 3 days later to get status of it and they said they denied my claim. They said take it up with XXXX XXXX. I called XXXX XXXX and they open a claim but said they probably wont be doing anything as it la on the bank. I filed a police report also after this happened. During same time frame someone wrote a fraudulent check also for {$40000.00} which they did reverse. But they are denying the {$21000.00} Police file number Reference XXXX
Product: Credit reporting

This dispute and investigation is for TransUnion Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. TransUnion has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with TransUnion that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. TransUnion also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX TransUnion reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can TransUnion not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed TransUnion keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we filed a complaint and asked the company to provide the following : - Copies of any contracts, agreements, or instruments related to chose in action. 
- Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
- Information on any legal actions, claims, or disputes associated with the choice in activities, including court filing, judgments, and settlements. 

The company responded on XXXX and claimed they will review all relevant information, including the information we provided and will resolve the dispute and will timely respond to you with the results of their investigation. 

However, we did not receive these details. 

This is a cause of concern as we were informed that the CFPB recently filed a lawsuit against the company for illegal debt collection practices and consumer reporting violations. 

For more context, we received Consent Judgement Agreement and Praecipe for Judgement by Consent documents in an envelope with the date stamped for XXXX XXXX XXXX  However, the notice inside the envelope was dated XXXX XXXX XXXX. It said that it should be executed within 15 days from the date of the letter, which would be XXXX XXXX XXXX  2 days before the letter was actually sent. We checked the court case that was on the letter to see that the court date was set for XX/XX/XXXX, only three days after the letter was sent. 

We believe that this situation falls into the following illegal debt collection practices that were addressed in the previous lawsuit : - Threatening consumers with potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation - Misrepresenting that it would provide certain documents within thirty days- Suing to collect on time-barred debt - Conducting unreasonable investigations- Failing to timely resolve disputes- Failing to inform consumers about investigation outcomes
Product: Credit card

XX/XX/2022 additional 2 % cashback not provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : - ( XXXX XXXX ) DEPT OF ED/XXXX XXXXXXXX Balance : - ( XXXX XXXX ) DEPT OF EDXXXX XXXX Balance : - ( XXXX XXXX ) DEPT OF EDXXXX XXXXXXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an account ( XXXX Bank ) In the results of your first investigation, you stated in writing that you verified that this item ( XXXX Bank ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in an attachment ) reported on this account how could you have verified it with having so many inconsistencies? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that Transunion & XX/XX/XXXX provide me with competent evidence such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
Product: Student loan

My loans were transferred to Mohela after registering for XXXX XXXX XXXX XXXX. When loan payments were restarted after the extended pause resulting from federal Covid policy, I expected my payments to resume. Instead I found that my loans were put into forbearance, which I did not request. Because I am seeking XXXX XXXX XXXX XXXX, making each of my monthly payments is crucially important. I attempted to contact customer service through email and their website 's messaging function and did not receive a reply. My attempts to call have found either extremely long wait times ( XXXX hours ) or that they were not receiving calls during their stated business hours. On XX/XX/23, I received a reply to my online message that I had sent on XX/XX/23 ( XXXX weeks later ) saying I could expect a response within the next 15 days ( they claim a response time within 3 days on their website ). I still have not received a response and have no way to reach them to correct their error. Each month that passes that I am unable to make a payment will result in hundreds of extra dollars of interest accrued in the life of my loans.
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic, I was late one payment though I discussed this with HONDA Financial. I was late only one payment due to illness after contracting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told it would be excused and not reported as late. It was reported as late in XX/XX/year>.
Product: Debt collection

On XX/XX/XXXX, I received a letter ( USPS ) from American Coradius International LLC, XXXXXX/XX/XXXX XX/XX/XXXX XXXX, XXXX . XXXX, XXXX, XX/XX/XXXX XXXX ( Ph. XXXX ). The return address on the letter is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. The letter claims that XXXX placed with their office a collection in the amount of {$62.00}. 

Knowing this was a fraud but wanting to verity it, I immediately called XXXX and spoke to a representative. The representative confirmed that I have no outstanding debt with XXXX and suggested I send them a copy of the letter to XXXX. 

A search of the Internet for ACI disclosed that they have many negative XXXX reviews, with many of them stating that they received letters similar to mine claiming that XXXX turned over claims to them for collection. 

In the letter ACI states that XXXX has agreed that I can pay {$47.00} as partial payment if received by ACI on or before XX/XX/XXXX. The letter asks that a check or money order be sent to the address above or that payments can be made via their website : www.acibillpay.com. 

This case needs an on-the-ground investigator to review their books and processes. Follow the money. Let 's assume that an unsuspecting victim pays their supposed debt to ACI. Since we know that no such debit exists, where is the money going? Sadly, I'm confident that ACI has victimized countless people who wouldn't question such a small amount claimed. 

Please send an investigator to review the accounts of ACI. Otherwise hand this case over to the FBI or appropriate law enforcement agency. The victims of ACI deserve justice.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely And effective measures to prevent an address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Debt collection

made numerous tries, phone calls and letters to verify this debt. I was told they have no record, or information
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$3000.00} from my XXXX XXXX  account to Coinbase. This transaction was made under coercion as part of a fraudulent scheme. I immediately reported the fraud to Coinbase, requesting that the funds be retrieved or returned. I have reached out to the police department who referred to the FBI. I can provide any documentation upon request. 

Since then, Coinbase has engaged in delays, evasions, and obstruction. Despite multiple contacts via chat and phone, I have received no concrete resolution, timeline, or meaningful response. Their representatives repeatedly request the same information, stall with internal investigation claims, and fail to take appropriate consumer protection measures. 

Furthermore, Coinbase locked my account, preventing me from accessing my funds or engaging with their support team. Their refusal to act contradicts their own fraud policies, as they have the ability to track transactions and assist in the recovery of stolen funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute Regarding Violation of Consumer Law - Section 605 ( b ) Dear Consumer Financial Protection Bureau , I am writing to formally dispute a violation of consumer law as outlined in Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). This section pertains to the accuracy of information contained in consumer reports, and I believe my rights have been violated in this regard.

Santander Consumer USA whom have a tract record of violating consumer law, and also intentionally misleading consumers have done so to my accounts The inaccurate information on my credit report has had a detrimental impact on my creditworthiness and has hindered my ability to secure credit. Under the FCRA, I am entitled to dispute inaccurate information and request that it be investigated and corrected.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights as a consumer are upheld. Attached to this letter, you will find copies of relevant documents, including my credit report and any correspondence related to this dispute.

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( Receiver is Transition ) TranUnion LLC FRAUD DEPARTMENT XXXX, CA XXXX I'm writhing this letter to dispute certain information that fasely listed on my credit report above the inaccurate information that appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Experian and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to coorect the account which was erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this account : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.
Product: Credit card

Someone logged on to one of my credit card accounts as me, changed the mailing address, added himself as a user and turned off fraud alerts. No charges were made but Synchrony bank handled it horribly. Not only did they not check with me first -- despite the fact that I have never lived or had dealings with anyone in the state he claimed to live in -- but after I closed the account they sent a new card TO HIM. I later canceled the card entirely and also another card the bank owns. I called to double check and one card was still open. They are awful.