23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/2018 according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/2018 that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or Chase Bank. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XXXX-18 I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Trans Union and Equifax recording so fraudulent inquiries I was advised they will be removed within 5 to 7 business days. The inquiries are still as of today on the credit report. 


On XX/XX/XXXX my credit score dropped XXXX ponts for no reason. I have no late payments. I have not done any inquiries or taking out any new accounts. Upon calling Trans Union and Equifax, regarding the drop of scores customer service can not provide to me. The reason the credit dropped.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and the business addresses of each individual whom you verified and validated the below information with, so that I may follow up accordingly. Additionally, Please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX Account # XXXX REPORTED : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this  issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
Product: Debt collection

I am being reported to credit bureau negatively for a collection from XXXX XXXX XXXX XXXX for a debt of {$1300.00} that was paid by XXXX. The company refused to delete the account from my credit report. I don't owe this debt as I had XXXX XXXX XXXX  and XXXX coverage at the time of service.
Product: Money transfer, virtual currency, or money service

Citibank has sent me a fraudulent check that I can not cash or mobile deposit. Citibank sent me a check in the amount of {$1200.00} from closed checking account # XXXX. I was on the phone today for countless hours with more of Citibank 's nonsense and poor customer service. Each rep tells me something different and places me on hold for countless hours, and even hang up. This account has been closed since early XXXX and why am I not able to take this check elsewhere and cash it This is my money that they are still withholding now from me only using a fraudulent check. 

One rep told me I wont be able to use mobile deposit for 90 days. One transferred me to a useless check verification system that kept hanging up. Everyone else has no clue and write their own story.

Again, this is fraud to give someone a check where they can't get their money. Citibank this ends now, all the games and ridiculousness.

I am getting in on the next class action lawsuit about holding/blocking people 's money, damages, and all these wild goose chases.

I was told I need to mail the check back in order to deposit it into my account ; why didn't they just refund the amount in my other account. There are no Citibanks for thousands of miles.
Product: Mortgage

XXXX XXXX was serviced by XXXXXXXX XXXX ( XXXX # XXXX ). The loan was on an ACH. 
Loan was transferred to Roundpoint Mortgage Servicing on the day my payment was due and shows as " paid off '' on that date. New loan number is XXXX. 
My ACH was turned off and I was not notified appropriately. I have ACH in place as a " set it and forget it '' mechanism to make sure my payments are on time and in the correct amount. I consider the turning off of my ACH on the day the payment was to set to process ( XXXX, XX/XX/24 ) to be a XXXX issue. My loan went delinquent and I now have a {$120.00} late fee, and I am sure this is impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person, a XXXX Citizen with Consumer Protection and Privacy rights under FCRA! 

XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX I was never late of on the paid off accounts listed above. Please show me documentation showing I was ever late. Prove your inaccurate reporting on my credit report. I should receive contact details for the person you used to falsely verify this information. Using XXXX or any other information system to verify an account has been ruled as not valid because they are consistently inaccurate and are not sufficient to verify credit report data by the courts, so please stop violating federal law by NOT performing a proper investigation. If you are not able to provide documented details for the method and contact details for the person you used to validate this information, you are required to delete these inaccurate late payments immediately. 

Also note that neither XXXX XXXX nor XXXX XXXX XXXX ever notified me that there was ever an issue with payment within 21 days of the payment as required by law. Autopay was setup on their system. They are responsible for processing the payments with a merchant payment processor that is reliable. The consumer can not be punished for failure of the company/creditors payment system or inaccuracies in their records. These accounts have been paid in full and closed for months. Yet you all still keep reporting the inaccuracies. I have never made a late payment. 

The law in case you don't want to search for it : https : XXXX XXXX XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX : XXXX, XXXX OF XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX : XXXX, XXXX CARD : XXXX, XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Vehicle loan or lease

Ive made numerous attempts to retrieve a copy of my title from Hyundai Motor Finance. Each rep has told me something different, and I can see that all 3 requests Ive made have been closed, yet neither I nor the XXXX  DMV have a copy of my title. I moved over a month ago from XXXX  to XXXX XXXX and I need this paperwork to register my car in XXXX XXXX. If I dont get a copy of my title soon, my car will literally become illegal to drive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.
Product: Checking or savings account

On XX/XX/XXXX of 2020 theXX/XX/XXXXXXXX XXXX account XXXX received a deposit of {$18.00} that had cleared without any known problems. XX/XX/2020 another transfer was made fromXX/XX/XXXXXXXX XXXX account XXXX of {$28.00} but did not deposit. Instead On the same day as that transferXX/XX/XXXXXXXX XXXX account XXXX completed a unauthorized transaction on XX/XX/2020 BARCLAYS BANK DE , COLLECTION - {$28.00}. That transaction was not authorized or initiated by myself.
Product: Checking or savings account

The bank that I use is Wisely. On XX/XX/year>, a charge of {$52.00} was made on my account and it wasnt by me. I found out about it around 2 hours after it was made and took immediate action. I was able to lock the card that was used for that charge and I tried to dispute that charge. The agent that I was speaking to said that I would be provided a form where I can provide more information about the unauthorized charged but Ive never got it and they initiated an investigation. The investigation lasted 4 days and got denied on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and the banks that report credit line information are complicit with their fraudster clients. They wasted lots of my time over several phone calls to provide false and conflicting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section : It also states a consumer reporting agency can not furnish account without my written consent.
Product: Money transfer, virtual currency, or money service

I was trying to move my crypto into XXXX dollars and tried to use CoinBase. Based on the statements on the CoinBase website, I transferred {$12000.00} of XXXX on the XXXX network to CoinBase. I used the address CoinBase gave me and the transaction ID is here : https : XXXX The tokens never appeared in my CoinBase account. I have spoken to CoinBase XXXX as well as making a Formal complaint. Their response has been basically that it is my fault and there is nothing they can do. CoinBase bears this responsibility since they said that they can accept any XXXX token. XXXX is an XXXX token so it should work. While they claim that they don't support the token on XXXX and that there is nothing that they can do, in reality it would be a very easy job for someone at CoinBase with technical skills to either return the funds to my XXXX wallet or to credit them to my CoinBase wallet.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
CAPITAL ONE BANK USA N XXXX Balance {$550.00} CAPITAL ONE BANK USA N XXXX Balance {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

I recently closed my Citi Preferred " Thank you '' card because of an issue with a payoff. Once the card was paid off I received an interest charge of less than {$40.00} which I was unaware was added. I did not receive notice of this charge and was unaware until I received a call two months later. During this time I have received thtree late fees and my credit report has been affected negatively. 

My complaint is that these late charges were more than the balance due and were placed only on interest fees added an no principal.
Product: Debt collection

XX/XX/scrub>XXXX Letter requesting signatures on contract with Resurgent Receivables -send : 1-signed contract 2-list of payment details with them 3-Affidavit of Facts showing Application
Product: Debt collection

Lendmart is threatening to take me to court, via emails and calls. The debt was originated in 2017 and I have made every attempt to work with a debt consultation agency in writing. I have worked with debt resolutions center regarding this account and payments were made to Lendmart via XXXX  XXXX  debt resolution company. I am no longer able to continue my account with XXXX It and Lendmart continues to threaten me via email. They have said they will contact my employer and garnish my wages, I am a XXXX  and I only work part time due to COVID 19. My hours have been reduced due to the pandemic and I am severely affected financially. I am on assistance from the HERO act and I can barely afford my bills. Lendmart states they have sent my account to collections but it does not appear on my credit reports nor do they use an outside party to send their emails. They still own my account and are being dishonest about having the account go to collections to a third party. 

I am providing a copy of their correspondence with me below : " If you do not do one of the three things listed below within fifteen ( 15 ) days of the date of the mailing of this notice or of its service by the court, we will go to court, unless we are otherwise precluded by law from doing so, and ask that your employer be ordered to withhold money from your earnings until the judgment is paid in full or, if applicable, is paid to a certain extent and to pay the withheld money to the court in satisfaction of your debt. This is called garnishment of personal earnings. It is to your advantage to avoid garnishment of personal earnings because the placing of the extra burden on your employer possibly could cause you to lose your job.

YOU CAN AVOID THE GARNISHMENT BY DOING ONE OF THESE THREE THINGS WITHIN THE FIFTEEN ( 15 ) DAY PERIOD ( 1 ) Pay to us the amount due ; ( 2 ) Avail our 50 % settlement offer ( 3 ) Via Debit card There may not be enough time to set up an agreement for debt scheduling in order to avoid a  garnishment of your wages based upon this demand for payment, but entering into an agreement for debt scheduling might protect you from future garnishments of your wages. Under an agreement for debt scheduling, you will have to regularly pay a portion of your income to the service until the debts subject to the agreement are paid off. This portion of your income will be paid by the service to your creditors who are owed debts subject to the agreement. This can be to your advantage because these creditors can not garnish your wages while you make your payments to the service on time. 

Thanks, XXXX XXXX Account Manager/Collections Phone : ( XXXX ) XXXX Press XXXX  Direct Line : XXXX Fax : XXXX Website : www.lendmart.net ''
Product: Credit reporting or other personal consumer reports

I have requested additional information about these fraudulent accounts that were applied for and opened in my name without my consent. I have attempted to get the companies to respond back several times. 

Company : SANTANDER CONSUMER USA XXXX XXXXXXXX. TX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( {$12000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report.