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

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An illegal re aging of an account has been done on my credit report and this is a clear violation of the Fair Credit Reporting Act. On my credit report it is saying that the XXXX  XXXX XXXX account that is been reported is 1 year, 3 months and 14 days old and this is false. Re-aging of any account is illegal and once this done then this violates the Fair Credit Reporting Act and both the creditor and credit bureau can be sued because of this and because a re- aging of the account has been done then according to the Fair Credit Reporting Act, this account should be deleted from the credit report immediately. A failure to delete it then gives me the right to take legal action to get the matter fixed or get some form of financial compensation. 
Delete XXXX  XXXX XXXX from my account immediately.
Product: Credit card

Hello, this is second time I complain regarding citi bank closing my account. They requested ssa-89 form from me, I sent that form to them and they received it and they tell me that they processed it and state that they weren't able to process it. But it is completely impossible, so I asked them to reprocess it again because I believe there must be an error. They declined my request to reprocess it, also I wrote them that if they close and account that I wasn't able to use from the first day, they remove annual fee. They declined all my requests. So now I have to pay off {$500.00} annual fee. I feel like I am scammed, it's like a scheme, to approve you card with high annual fee then restrict it, once you send documents tell you that they weren't able to receive information and close the account, so you have to pay annual fee. Please help me, why won't they agree to reprocess the document, cause there could be an error on their side or on the side of the company that responsed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to seek your assistance in resolving an issue I have encountered with Equifax regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your intervention in addressing this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Request : Unauthorized Inquiry Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.
Product: Money transfer, virtual currency, or money service

I have been trying to get my money from my coinbase account for almost two years. I sent them countless amounts of tickets and they have closed every single one of them. It was only today that I received an email from them saying that they decided to close my account and that my funds needs to be withdrawn. My account is now in the process of closing but I can not withdraw my funds. When I try to do that it says this : You are currently unable to send Bitcoin. Please contact support.

I sent in another ticket about that message and not being able to withdraw my money from my account. They have never even replied to ANY of my support tickets so I don't know how I'm going to contact support over this withdrawing issue.
Product: Debt collection

XXXXXXXX XXXX  emailed me about account i allegedly owe. I emailed them back and asked for verification of debt with original wet signatures. I mentioned if not provided in XXXX days it needs to be removed and reporting positively on my credit report. This was on XX/XX/2024 they responded on XX/XX/2024 and said they are looking into it. XXXX XXXX bought the debt that i did not agree to be sold. 

they violated my rights and privacy per the privacy act. XXXX XXXX  is not trying to collect on the account i allegedly owe. I asked true accord for that info stated above and they said they are no longer collecting on this account and gave it back to XXXX XXXX 

Time is up Please enforce! 
I even completed a 1099 to offer solution They also sent to dynamic recovery solutions LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

The compliant is with Citibank whom I never open an account with Citibank since  XXXX , and never in the past sent me any statement all this years until late  XXXX . All the sudden, Citibank contacted me that I owed them over 10 thousand dollars due to interests when Citibank buyout Costco 's American Express account back in  XXXX . Also, in my credit report for all the years, Citibank never reported I own it any money since  XXXX . In  XXXX , Citibank ruined my credit report by making fraudulent report to credit bureau that I owed them   XXXX    dollars past due. Late  XXXX , we asked Citibank to do investigation for potential ID theft. Citibank never provided investigation result, nor asked us for the proof. I have in procession the statement from American Express back in   XXXX   with   XXXX   balance after paid off the  XXXX  before I called American Express to close the account, and the Costco closing statement in  XXXX  showing I have a credit of   XXXX   XXXX  .
Product: Mortgage

Mr. Cooper my mortgage company is saying that I have missed payments on my mortgage, however, I am up to date on my payments. I have spoken to 3 different representatives and each of them keeps telling me they are looking into it but no one gets back to me. At one point my mortgage showed due for the XXXX payment, and then once they appeared to start looking into this it is now showing due for the XXXX payment. Then, I received 2 letters telling me that my account is due for my XXXX payment and threatening foreclosure. I left 2 messages today for one of the representatives on the letter-XXXX XXXX and still did not receive a call back. I called again and spoke to another representative XXXX XXXX in the same department as the other representative who told me that the problem has been fixed and that I am now due for my XXXX payment. I have gone through all my statements all the way back to XX/XX/2018 and can prove that each payment has been made and I should be due for the XXXX payment. I spoke to a customer service rep a few weeks ago, who agreed with me that I should not send in my XXXX payment until this is resolved so that Mr. Cooper does not get confused in trying to resolve this issue. 

One of the reps told me the reason they are confused about my payments is because I have been making partial payments. I explained that I spoke to a representative several months ago who told me that I could go on their website and click on the " Make a Partial Payment '' button and make my payments that way. It says, " We understand that sometimes you are only able to make a partial payment. But keep in mind, you need to make your payment before the due date. '' This is what I have been doing since my paycheck is not enough to cover our entire mortgage payment. Our payment amount is {$1700.00} and I have been paying {$1800.00} a month. If their computer system can not handle customers making payments like this then they should not offer this option on their website. I have attached my bank statements all the way back to XXXX showing my payments. Below are the dates and amounts of each payment and which payment these amounts have paid. 

XXXX pmt- {$1800.00} debited from my account on XXXX XXXX pmt- {$600.00} debited XXXX, {$500.00} debited XXXX, {$700.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$700.00} debited XXXX, {$500.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$500.00} debited XXXX XXXX {$600.00} debited XXXX, {$700.00} debited XXXX {$1800.00} XXXX pmt- {$1800.00} debited XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a collection account from XXXX XXXX from XXXX XXXX that does not belong to me
Product: Checking or savings account

On XX/XX/year> I attempted to make a XXXX transaction through cash app it told me for my safety it was not allowed at this time so I accepted it didn't try it again I then tried to cash my Bitcoin back to my cash balance which is where it started from and it wouldn't let me lock my account up is now XX/XX/year> my account is still locked and every time I call them they will not tell me why my account has been locked they will not offer me any further information all they tell me is our team has escalated your case it is working diligently to resolve this issue so understandably I have become upset now I feel like they're doing this maliciously there is nothing to understand I have submitted all documentation the first day they locked my account that they asked for I send them my ID my debit card copies and a selfie of me holding the card all I'm waiting on is ID verification if they can't figure that out XXXX  days but other people are getting their accounts unlocked XXXX to XXXX hours this is ridiculous all I want is my account unlocked my funds released so I can close out my account
Product: Debt collection

In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXX, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX XXXX. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].
Product: Debt collection

My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone
Product: Debt collection

I paid all the way up until the end now this company is stating I owe $ XXXX This is a scam. Please help me
Product: Checking or savings account

f I could give NO stars, I would!

A Terrible place to bank. It's not just that they almost always only have 1 person working, even though there are others in the bank, employees and customers. XXXX ( the asst. mgr. ) who was waiting on me, accused me of being rude because " she didn't like how I set my insurance papers on the counter '?? Huh?, So, I became rude and told her that when customers are waiting in line, she shouldn't be gabbing with customers she knows about her family issues. Now, I'm rude!. Then, XXXX XXXX, her co-worker, starts getting involved and starts telling me to leave. Now, I hadn't sworn, raised my voice, threatened anyone... nothing ... So I said... Just empty my accounts... I don't want to do business here anymore because of how you two are treating me. XXXX XXXX said several times, " I don't care '' and " Doesn't matter to me '' THEY REFUSED TO GIVE ME MY MONEY. That is the same as Fifth Third telling me " They don't care '' and they wouldn't give me my funds. What?? They threatened the cops on me. I had to drive 10 miles out of my way to the nearest 5th 3rd, just to do my business. I drained alot out of my account there.

I've had XXXX  mortgages and have been a customer for over XXXX years! This is how XXXX and XXXX treated me... 
But wait.. 
The Next day, I went back to the XXXX XXXX 5th 3rd to drain the remainder of my funds, and I have ON CAMERAXXXX XXXX  XXXX calling me a XXXX several times, immediately after I told Him I drained my accounts, AND him throwing his hands up shouting " I DON'T CARE '' SEVERAL TIMES. 
After I left, I went back again to lodge a complaint, as it says to do... When XXXX XXXX asked me if I had recorded her co-worker... I said " maybe ''. XXXX XXXX immediately started screaming at me to " Delete that video immediately '' while other customers were in the bank.. She lost it! Totally unprofessional. That is on the banks security cameras. She has no right to tell me to delete it. It has XXXX  XXXX immediately calling me a '' XXXX '' and saying HE DOESN'T CARE. I said Not until I turn it into corporate! She then continued with her madness and included the other employees to get involved ... And called the cops! I did nothing illegal. I waved as I left. The video is getting where it needs to go. XXXX XXXX never allowed me to file a complaint. THIS is the video she so MADLY wanted me to delete. 
Update : The regional manager called me and guess what, Both XXXX XXXX and XXXX XXXX Both accused me of " being vulgar '' and such... I told him ... Look at the video from the bank. They are Lying!! The entire time I was in there, I Never swore or threatened ANYONE. Until as I was leaving when they Both in XXXX  XXXX tones said " Have a nice day '' laughing. 
Neither were professional. Neither did their job. 
The District manager spoke with them, however, when I returned to the bank for business, neither apologized for Any of the offenses I experienced. 
This site doesn't allow me to download my video, but I can provide it upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX  XXXX  partial account number ****2426. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

For account number #  XXXX  I respectfully request Resurgent capital Services, LP to provide me with competent evidence that I have any legal obligation to pay you.     I am requesting the following verification : I need proof of both the original debt agreement with my signature indicating that I agreed to pay Resurgent Capital Services, LP and any payment history and any payment methods you have on file indicating that I made payments to Resurgent Capital Services, LP. ( Checks, debts, or money orders payments  ) , Furthermore I am requesting that you provide me with any telephonic recording between  Resurgent Capital,  LP specifying that you established a verbal agreement with me to collect on the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Here is the list of unknown items that must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ Date Updated : XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX. XXXX XXXX and XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX Equifax Mortgage Services XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage has repeatedly reported late payments on a mortgage that clearly ( and repeatedly ) has been shown to not have late payments. Our most recent efforts to correct this began back on XXXX XXXX, 2016 and have been met with nothing but automatic email responses telling us : " Please be advised we have received your email and are currently reviewing your request. You will receive an email response once the review is complete. '' This is unacceptable! A phone call today seems to have resulted in an escalation, but this has happened before without permanent solutions with them.
Product: Credit card

I made a purchase at XXXX for XXXX $ and I was charged XXXX XXXX Chase refuses to investigate this case on my behalf. Chase rep calls me tells me that they didnt check the cameras for this case and XXXX $ placed back on my card. 

Apparently this gas station has a lot of fraud.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Payday loan

Applied for Payday loan ( XXXX/XXXX/2015 ). Received {$600.00} in Acct. Agreed to pay $ XXXX/month. Was debited {$350.00} XX/XX/XXXX, then a few days later, on XX/XX/XXXX, debited another {$850.00}. This was not my payment schedule or an agreement ( that I entered into, knowingly, or with ALL the facts ). This caused me to become ridiculously overdrawn, and then when speaking to them about my issues with their business practices, they offered me a {$1500.00} dollar loan ( " to help '' ), which I immediately refused. This is a huge problem, I was supposedly paid off but now they are telling me I still owe like {$520.00}!?!!!! I have paid over 3x ( closer to 4x ) the amount of the loan received, this is a disgusting case of usury. Do n't do business with these people!
Product: Debt collection

I had communicated with Capita l One 's executive  office (  XXXX  ) a couple weeks ago and they called me before  XXXX    XXXX   today, violating FDCPA guidelines.
Product: Debt collection

There is a $ XXXX {$920.00} XXXX XXXX Alabama charge originating in 2014 on my report. My account with XXXX has been cleared, I discussed and confirmed with them today at XXXX. This is fraud, and the Credit Mamagement ( their spelling on my credit report ) Company has been flagged and reported as a fraudulent debt collector. I do n't have any supporting documents because a legitimate account for this dispute has never existed.