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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?
Product: Credit card or prepaid card

Hello, I am extremely disappointed with the results of the investigation process, conducted by American Express in regards to unauthorized transactions. 

I found not recognized transaction in the amount of {$99.00}, made by XXXX on XX/XX/XXXX and posted to my American Express credit card. This charge was done as a payment for XXXX XXXX, which I have never requested and so could not authorize and never had. 
I called American Express a few times to report that this purchade was never made by myself or my family members, who are authorized members under my American Express credit card account. 
Since XX/XX/XXXX I also contacted a few times XXXX XXXX XXXX via phone and emails, trying to find out why they charged my American Express Card for unauthorized {$99.00}. 

XXXX confirmed to me verbally and via emails that I have never requested and so did not authorize Membership with them. They also confirmed that I made just one time purchase through XXXX in XXXX and that I have never made any other purchases, using XXXX services, and do not have any Membership account with them. Moreover, XXXX told me that they did not charge my credit card for that {$99.00} on XX/XX/XXXX and so can not refund this money because they do not have any info about my credit card, although I sent them the credit card credentials upon their request in order they to refund my American Express account. 
I suspect that XXXX conduct not totally fair business. For this reason I requested American Express to help me to prove that the transaction was a fraudulent one. 

American Express conducted " investigation '' for couple days and then sent me a letter, stating that this charge is my responsibility because they found a recurring charge {$100.00}, made by XXXX in XX/XX/XXXX. Up to now and until American Express informed me on that charge from XXXX, I have not noticed it, because I was very ill with COVID in XX/XX/XXXX and for this reason did not check on my American Express statement. I usually very carefully go through all my statements every month to make sure that all transactions are mine and correct. 

As I got a letter today from American Express, stating that they finished investigation of that unauthorized charge and found me to be responsible to pay it, I called XXXX again and was told there that they did not charge {$99.00} and that American Express has to refund it to me. In other words, XXXX said that I do not have to pay that {$99.00} when I pay my next American Express statement. 
But American Express state that I have to include that {$99.00} in my statement payment. 

Please help me, if possible, to resolve the explained above issue. 

Thank you Sincerely, XXXX XXXX XXXX ( cell
Product: Credit reporting or other personal consumer reports

" Dear CFPB-Please see attached files For months I have submitted complaints to Transunion/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet Transunion / XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX  fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.
Product: Vehicle loan or lease

I obtain a car loan with Wells Fargo in XX/XX/XXXX for 48 months. In XX/XX/XXXX, Wells Fargo is reporting I was 30 days late on two different occasions in which my car payment was never 30 days. I sent a letter disputing the report, their response asked for documentation in which I provided bank statements showing the debits from my account. Wells Fargo refuses to report the correct information. Wells Fargo also refuses to provide a contact number or email to their Credit Dispute Center. A fax number is only available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CITICARDS CBNA because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the marks in my XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting CITICARDS CBNA to remove this paid charge off account from my credit report as a gesture of goodwill.
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 violate the consumer violation protection act. Specifically, Cash App for failed 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 Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Dear California Department of Financial Protection and Innovation, The following correspondence is in reference Chime, where I am a customer. On XX/XX/XXXX, my job deposited in account {$1300.00}. I accidentally transferred {$1200.00}. from my personal bank account.I alerted my bank and Chime about this error.I was trying to transfer {$1200.00} from the Chime account to my personal bank account. My bank put in a claim. Instead of refunding me the {$1200.00}. Chime instead deducted $ XXXX.from my direct deposit of {$1300.00}. On XXXX XXXX, I received another direct deposit in the amount of $ XXXX.Chime again deducted {$1200.00}, from my account, this time on their own terms.I did not make any transaction, as I awaiting my check to be cleared from Chime. I alerted Chime, who told me on XX/XX/22 that my account is in the negative and they don't have my money. In total I am out of _ {$2600.00}. On XX/XX/22, I contacted both XXXX XXXX  and Chime, both institutions are blaming each other, while my funds is in question.Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following account is not reporting accurately. Please investigate and verify the following information. If this account can not be verified please delete the derogatory remarks from my credit report, I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. On the account, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account.
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 accounts 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 any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXXXXXX XXXX XXXX XXXXXXXX Balance {$5500.00} XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$120.00} XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} XXXXXXXX XXXX XXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXXXXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3900.00} 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

For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all three credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX and I have no middle name. I was born XX/XX/XXXX and she was born, I believe XX/XX/XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a XXXX mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding several LATE payments on my accounts that have appeared on my credit report, which I suspect is not reported accurately. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple late payments on my accounts I do not know how they appeared cause I always pay on time. The suspicious late payment occur to XXXX XXXX XXXX and XXXX XXXXXXXX XXXX
Product: Credit card

After open a business account for a new business, I applied for a CitiBusiness AAdvantage Platinum Select World Master Card. 
This application was rejected, I called Citi and the representative did a manual revision of the application and was rejected for a second time, she told me that I will receive a letter explaining the reason why the credit card was denied. 
For my surprise the reason was : THE CREDIT REPORT SHOW DEROGATORY PAYMENT HISTORY After read this I was very worry, because I been very responsable with my finances. 
I called CitiCards ( XXXX ) they told me that the decision was made based on XXXX and they recommend me to call them. I did and a rep from XXXX told me that they dont have any information on file about this business and send me an email with this explanation ( of course this is a new business ) Due to the application was made based on my personal credit history I decided to call the Bureau of Credit and they send me my personal credit report that dont show any late payment or derogaroty payment history as they said. 
Base on the Equal Credit Opportunity Act ( prohibits creditors from discrimination ) I consider that I was a victim of a discrimination by Citi and in order to support your decision CitiBank used FALSE INFORMATION that is not contained on my business or personal Credits Reports. 
Im sending for your review XXXX Copy of the letter sent by CitiBank XXXX 
2- Copy of the email sent by XXXX 3- Copy of my personal credit report. 
I strongly request an investigation in order to know what kind of information Citi used to conclude " Derogatory payment history '' Im not complaining about their decision. My concern is the FALSE INFORMATION they used to conclude that.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX, Account Number : XXXX Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. THIS Violates the statue of limitations Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( XXXX XXXX CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section XXXX ( a ) ( XXXX ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : XXXX. ) Defamation XXXX. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter,
Product: Student loan

XX/XX/2017 I inquired with the Premier Student Loan Center about reconsolidating my student loans from my XXXX degree. The gentleman I spoke to told me that once my application is approved, I would have to pay a fee which would be divided into 4 payments to get my application started and that would go towards my loans. First problem, I never received a copy of my application to review, only emails from the company. After the payments and future payments were deducted from my account, I did not hear from this company unless they did not receive a balance. As months passed, I kept receiving statements from my " previous '' student loan provider. My balance continued to increased with no payments being added from Premier Student Loan. Also, I never received any receipts for any of my payments I made, and each time I would inquire about getting a receipt for my payments, they always have an excuse as to why I cant receive it. Many times I would call this company during their " business hours '' and I would not receive an answer and if someone told me they would call back, they don't honor their word. I would have to call the company back after days of waiting for their call. Each time I would speak to someone, I would always to be something different from the previous representative. My payment for this month has not been deducted from my account and I can't get an answer from the company to figure out what is going on with my account. I have tried to give this couple a chance. Now I realized that everything I have been told from this company is a lie. I am disappointed in this company and all the false promises they have made. I want to cancel my account with this company!! In addition, I want a full refund of all the money I have paid including all the interest that have accrued on my student loan account during my years with this company. If not, I will get a lawyer involved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of XXXX different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020
Product: Debt collection

XXXX XXXX XXXX XXXX AZ continue to report this debt even though they released me from lease and the debt of my lease in XX/XX/XXXX they continue to report to XXXX XXXX through their own debt agency that I owe close to {$4000.00} even theirs no judgment in place nor did they contact me within a year after the supposed balance placed on my credit in XX/XX/XXXX. I was placed in the City of XXXX XXXX XXXX through case manager XXXX XXXX and he and I was not informed about any debt owed XXXX XXXX and its COVID-19 and they fraudulently trying to get money from me even when I wasnt working in the public housing program. They signed my contract to be really from my lease with no debt amount owed and if I was still in that lease I wouldve owed until XXXX of XXXX. They combating the fact that contractually they never held me accountable for the balance at the time of being released from my lease with XXXX XXXX  because I was also diagnosed with be severely XXXX ill and I have been diagnosed as title XXXX and title XXXX