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

I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX again today and received another notice from TransUnion that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, TransUnion, XXXX, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX  being reported on each of the three credit reports. One is  correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, XXXX, XXXX, and TransUnion. 

The reporting on XXXX  that are now reporting a student loan that was closed in XXXX with a XXXX  balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX  balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, XXXX, TransUnion, and XXXX, as per the Fair Reporting Act.  The correct one with the on-time payments should remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.
Product: Credit card or prepaid card

We received charges on our Citibank credit card on XXXX XXXX, 2020 from XXXX XXXX XXXX for {$11.00} and {$18.00}. We did not make these charges. Citicard is investigating them. Again, on XXXX XXXX we saw a charge for XXXX XXXX XXXX , XXXX for {$34.00}. Later we saw 4 charges for the same place on XXXX XXXX of {$68.00}, {$150.00}, {$600.00} and {$1000.00}. We did not make these charges nor were we at the place of business. Citicard asked me if the card was in our possession on XXXX XXXX and I told them yes. They are denying our claim of fraud and said we had to have made the charges. We did not. We have opened up the case twice with Citibank and they have denied us twice. They will not listen to what we are telling them. We have also had the same type of charges with our XXXX Debit card with XXXX XXXX   and XXXX XXXX XXXX XXXX Charges totaled {$2300.00}. XXXX investigated the charges and told us it was fraud and refunded our money. It is ridiculous that we will now have to pay out of our pocket for fraudulent charges we did not make because Citibank will not investigate or listen to our claim. To our best guess, I think our cards were compromised at the XXXX XXXX XXXX but I have no proof of that.
Product: Credit reporting

I submitted a dispute with Equifax on or around XX/XX/2017. Multiple items were deleted, however several items came back as verified. I contacted Equifax on XX/XX/2017 and asked how the items were verified. I was advised by a customer service rep ( XXXX ) as well as a supervisor ( XXXX : ID # XXXX ) that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me. I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The supervisor, XXXX, advised that I would receive a document via mail that explains their general verification process however she would/could not address the concerns regarding the verification of the accounts on my profile.
Product: Credit reporting

Transunion is reporting an account for XXXX XXXX that is over 7 years old in violation of the Fair Credit Reporting Act. The account was discharged in chapter XXXX bankruptcy XXXX 2003.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiries. They are in the process of closing the accounts BUT the hard inquiries are yet to be removed. I need the hard inquiries dated XX/XX/XXXX and XX/XX/XXXX to be removed from XXXX and TRans Union credit reporting agencies. i didnt give permission for my information to be used to open any accounts. the company is closing them. I need the hard inquiries removed. A fraud alert will be put on my credit reports.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX EQUIFAX XXXX XXXX XXXX.
Product: Credit card

Notice of Violation of the Terms of Bankruptcy of the Government of the United States of America, XX/XX/XXXX, A.D. XXXX, Priority Claim For Discharge, and Entitlement Order To All All These Presents Do or XXXX Concern, Greetings Whereas, the organic laws of the United States of America forbid involuntary servitude, and ; Whereas, the public laws of the Government of the United States declare void, any contract evidencing a public debt obligation containing any gold clause requiring tender of payment in any specific specie of legal tender, and ; Whereas, pursuant to provisions set forth in said public laws, as of XXXX XXXX XXXX XXXXXXXX, no legal tender exists, and ; Whereas said public laws entitle the undersigned to claim for discharge, dollar for dollar, in any such amounts appropriated by said Government, upon demand ; Now Therefore, the undersigned XXXX ; XXXX XXXX, duly authorized to act on behalf of the entitlement holder : XXXX XXXX XXXX, Agent for the Principal : Government of the United States duly authorized by the State of Illinois ; evidenced by State File Number : XXXX, makes priority claim for discharge, dollar for dollar, on any such amounts due, and hereby authorizes and Instructs any/all parties presently in custody or control of any such amount ( XXXX ) due now, or in the future to said entitlement holder ; to act as Securities intermediary, and remit against any XXXX amount ( XXXX ) via same day electronic funds transfer at its account at the Federal Reserve Bank of New York XXXX XXXX ABA : XXXX ; FI ALC : XXXX, on said entitlement holders behalf, and release the XXXX of bond ( XXXX ), on any such property. 
( our authority granted herein and hereunder shall expire upon the earlier of : any communicator from the undersigned terminating your authority granted herein, or Your completion of the acts, authorized herein. You shall ignore any further instructions from any other entitlement holders, unless duly authorized in a communication delivered to You by the undersigned. The undersigned is not disqualified to act, under said organic and public laws It Is So Ordered. 
XXXX XXXX XXXX XXXX XXXX XXXX Holder Without recourse to the undersigned Agent By : XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

I have a lot call from portfolio recovery regarding old XXXX account I have made a report on them before I got them off my report I have try to settle with them they have refused every time I would like them off all my credit report but they would call every day and night
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX XXXX and portfolio recovery, and other financial institutions. 

# # Demand for XXXX XXXXccount Deletion XXXX has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # Investigation of Fraudulent Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : 1. The failure of these financial institutions to issue required 1099-C forms for allegedly canceled debts. 
2. The continued reporting of these accounts despite the lack of proper documentation. 3. The sudden deletion of these accounts when pressed for 1099-C records. 

# # Demands for Immediate Action 1. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. 
2. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts.

3. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. 
XXXX. Provide written confirmation of these actions within XXXX business days. 

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX XXXX constitute : 1. Negligent or willful noncompliance with the FCRA 2. Complicity in the financial institutions ' fraudulent practices 3. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) 2. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees 3. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The following companies need to be removed off of my credit reposts. I have been working with Lexington law firm and the refusal to have these items removed has caused financial distress to me. 

XXXX XXXX XXXX XXXX  has been paid off and the late fees and payments have been reported incorrectly. 

XXXX XXXX XXXX- That was paid off and should be removed from my credit report. 

XXXX  XXXX XXXX  - Did my loan over and the past loan was incorrect. ANY DATA FEROM TEHN FIRTS LOAN SHOUDL BE REMOVED BECASUE I WAS OVERCHARGED AND THAT AMOUINT WA INCORRECT. THAT IS WHY MY LOAN WAS DONE OVER AGIAN. 

XXXX XXXX XXXX  This loan has ben paid OFF We Bank and Getting reported false information and did not follow their payment coverage for loss of job and wages. I did not get unemployment and they continued to make it hard for me to utilize my payment coverage for being unemployed. There should not be a charge off or a collection on my account. They falsified information and my balances should be paid in full.
Product: Credit card or prepaid card

I have been with Capital One before they took over XXXX XXXX XXXX. I have had my Capital One credit card since the XXXX when I came out of college. I have had my financial ups and downs with the credit card. Past practice, XXXX XXXX has always notified me by way of telephone or email of any delinquencies. For some reason since XXXX, they ceased to communicate with me about my account. Due to XXXX, and other medical issues, I could not make payment. I attempted to bring my account current this month to be told, It is past the 21 day period. I do not know what that is. I have not received any communication from Capital One to state any problems with the account. My account was placed i a restricted status and made unavailable for use without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Checking or savings account

On XX/XX/XXXX, received a call from TD Bank Fraud line : ( XXXX ) XXXX, " XXXX '' told me that there was fraudulent activity about to happen on my checking account. He gave me five ( 5 ) codes to " clear the fraudulent activity ''. On XX/XX/XXXX discovered that {$1200.00} had been taken from my checking account.

On XX/XX/XXXXs, went to TD Bank, opened new checking account / new VISA debit card. Was told that it would be " 3-5 days '' and my funds would be returned to me. I asked how this occurred, customer service said : " I have no idea '' Subsequent staff would then tell me that hacker had disguised his number to appear to be from TD Bank. 

I have spoken with TD Bank on the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, with NO resolution. Each time I am told it will be 5-10 days to resolution, then discover that TD Bank gives itself 45+ days to " resolve '' issues.

Enclosing two ( 2 ) form letters from TD Bank dated XX/XX/XXXXand XX/XX/XXXX denying my claim, asserting that I approved the transactions. Enclosing also statement of the transactions from my TD Bank. I have no knowledge of an : XXXX XXXX, to whom the money was directed. 

During the telephone call, I was prevented from seeing the result of my responding Yes by the hacker. 

It seems to me that TD Bank is deciding in the bank 's favor far too quickly. I am a TD Bank customer since XXXX. I use twelve ( 12 ) checks per annum for rent payments. i pay utilities online using my VISA debit card. Then, I drain my account in one evening to an unknown third party? Inconsistency like this does not raise any red flags with TD Bank? 

The staff members whom I have spoken with at TD Bank have helpful, however, anyone able to authorize any refunding of my funds makes themselves unavailable at all times. When I mentioned my attorney becoming involved, they refuse to reveal a contact person at TD Bank. I was told that : " your attorney will know who to contact ''?! 

Subsequent calls to TD Bank after XX/XX/XXXX indicated to me that the staff were becoming less and less helpful and / or cooperative. TD Bank calls this " customer service ''?
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more, 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 caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft following a data breach that compromised my personal information. As a result, fraudulent accounts and credit inquiries were made in my name without my authorization. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I respectfully request the immediate blocking and permanent deletion of the following accounts and inquiries from my credit report. 
XXXX Accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$3200.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$14000.00} Fraudulent Credit Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, XXXX and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX XXXX XXXX california XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : XXXX5 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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
Product: Mortgage

Our home loan was sold by XXXX XXXX XXXX to Rushmore Loan Management Services in XX/XX/XXXX. Taxes and Homeowners insurance were both escrowed by XXXX XXXX and Rushmore continued to escrow both. Our annual homeowners insurance was due the latter part of XXXX. I contacted Rushmore the beginning of XXXX to see if they had received the bill. They informed me that they had reviewed the Master Policy for our condo association and deemed it unnecessary to escrow our insurance. I was instructed to pay the annual premium that was coming due. A copy of the paid in full policy was sent to Rushmore. Since that time I have contacted Rushmore numerous times to be refunded the monies they were holding in escrow for insurance and to have our monthly premium changed so that it did not include homeowners ' insurance. I am not quite sure if they are just incompetent or if it is a way of keeping and using our money as long as they can, but as of today they are holding all of our insurance monies in escrow and our monthly mortgage payment still includes an amount for the homeowners insurance. I would appreciate any help you can provide regarding this issue.
Product: Mortgage

On XX/XX/2021 my mortgage payment cleared intended for XX/XX/2021. 
I had payed XXXX on XX/XX/2021 and XXXX on XX/XX/2021. 
Instead of crediting the payment for XXXX the payment was applied to principal and " fees '' putting the mortgage in default. I am getting multiple calls asking for the XXXX payment. I have asked multiple people multiple times to correct the error with no success.