23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Good afternoon, On my last statement dated XX/XX/2018, I was charged a late fee of {$20.00} because my last payment was received one day late - according to Citibank. Please note that my entire balance was only {$20.00}, which was paid in full. I paid this through my credit union bill payment service and the payment was supposed to be there on time. I don't know why Citibank did not receive the payment on the correct date. I asked Citibank for a refund and they refused. No wonder people hate big banks in America! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to the CFPB I.D . # XXXX, XXXX regarding Trans Union and the unfair, inaccurate reporting on my credit report. they still have not giving me any proof of how these items were verified, by who and they have not presented me with this information, they have closed the case and never given me any proof. I talked to the CFPB on XX/XX/XXXX which I said I wanted to reopen the case. I am respectfully reopening my original complaint, I am requesting vitrification from what source, Name, phone number of the people whom verified the accounts as belonging to me on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX  XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

My XXXX XXXX personal information and credit reporting is in my report
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I, ( XXXX XXXX ) mailed a check for {$3000.00} to Citibank to pay off loan # XXXX in the name of XXXX XXXX. On XX/XX/XXXX, I noticed that an ACH had been processed through XXXX XXXX XXXX. I wasn't sure what that was but I had only written one check from that account so I called Citibank and they advised that they had not received a payment in that amount, so I called XXXX XXXX and they advised that the ACH was from XXXX XXXX and that it had gone to Citibank. At this point, the struggle really begins when Citibank customer service can not locate this information and does very little to help us locate this. XXXX XXXX  then proceeds to help us find the Trace Identification # XXXX. Citibank continued to deny having the check while they continued to tell us to get them a copy of the check. Now because XXXX was issued an ACH they didn't have a copy of the check ( what they said ). So, at this point even though they have a trace ID number Citibank still can not find these funds. XXXX continues helping us and eventually gets ahold of the Federal Reserve and gets a Federal Reserve ID # XXXX. We get ahold of Citibank again and they advise that they can not do anything for us with these pieces of information. At this point we are feeling very lost in this situation. This behavior from a financial institution is shameful. XXXX bank kindly continued to assist us in this matter by getting their ACH department involved to attempt contact with Citibank. XXXX XXXX was able to get a copy of the cleared check clearly showing that the funds were cashed by Citibank and never credited towards our account. Citibank advised XXXX bank that they had the funds and would credit the account. We still have not received the credit for the {$3000.00}. 
The account the checks was written off of was mine. XXXX XXXX XXXX out of my XXXX XXXX   checking account. 
The account that the check was to pay off was a personal loan. XXXX XXXX XXXX, loan # XXXX. 

We have faxed Citibank the information they requested, as you will see in their letter to us and we still have not received the credit to the loan. 

I am shocked and numb that a large institution like this can do this to their customer even, all the while providing them with the information that it takes to trace money. 

Additionally, I can see where the mistake was in processing. I have attached a picture of a {$6000.00} payment that we made prior and can see the back processed nearly EXACT to the {$3000.00} final payment EXCEPT directly below the words FOR DEPOSIT ONLY there are these digits XXXX next to those is the full account number. That {$6000.00} reached that account perfectly. The one for the  {$3000.00} has all this information EXCEPT for next to the digits XXXX are XXXX SO this means that the account number WAS NOT input leaving these funds in limbo and Citibank not caring how much distress they put on their customers. 

Once these funds are posted we will end up with a credit because as good consumers we PAY our debts, so now we are at the mercy of Citibank refunding our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item is suppose to be removed from my credit report if I paid in full by a certain date. Which I paid in full before the date!
Product: Credit reporting or other personal consumer reports

I am disputing XXXX XXXX  XXXX, this account is not mine and is fraudulent. They have also charged my personal checking account in which I also disputed charges with my bank. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.
Product: Credit card or prepaid card

# 1 on XX/XX/21 I contacted XXXX XXXX XXXX ( continental finance ) because of fraudulent card payment activity on my credit card. I spoke with several representative and explained to them that there was a payment of {$460.00} and a payment of {$520.00} made out of my bank account that was not authorized by me. The account was closed and I was issued a new card but still charged 2 separate {$30.00} stop payment fees. 
# 2 on XX/XX/21 I received to separate emails from continental finance confirming my payment to the card for {$140.00} and another payment of {$340.00}. Also the name on my account has been changed to XXXX XXXX. I contacted continental finance and nothing was done about the charges and my account is compromised by this company including my social security number, home address and bank account information.
Product: Student loan

I was told my Sallie Mae that I had to make account past due and wait for collections to contact me before I could try and change my rate. The only other option I was given was forbearance, which only makes the problem worse. I ca n't pay this loan and have enough money to start my life.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2023, I living woman XXXX XXXX XXXX was denied a consumer personal loan at Truist Bank XXXX Scenic highway XXXX XXXX, Ga XXXX. XXXX XXXX XXXX XXXX # XXXX. I requested/submitted an application for {$7000.00} to purchase a dwelling unit for my safety and a automobile for traveling and was denied. I seen an advertisement online for personal consumer loans and it does not state that a credit score of XXXX is required before applying nor did it say anything about my creditworthiness! Its False advertisement, Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of Truist I am aware that according to FEDERAL LAW, banks are not allowed to loan credit and are also not allowed to loan their own or their depositor 's money Public Law 73-10 Hjr 192 Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is confided in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received. Truist reported to all 3 CRAs witch has lowered my credit score and states its high RISK I am also requesting for that hard inquiry to be removed from my credit report! As its damaging my life. I am requesting that I receive the full amount of {$7000.00} for my personal use, its my right to have a safe place to live and safe travels! 
Sincerely, Without Prejudice, All Natural Inalienable Rights Reserved UCC1-308 By : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Suntrust Checking ccount was hacked on XX/XX/2019 and {$420.00} of my money stolen using a XXXX connected account. 

I want to open a case with local law enforcment, but I need a statement of fraudulent charges from SunTrust. 

They refuse to provide this list - Even though they have a case ( Fraud Claim # XXXX ) in progress. 

Than you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX a letter you can use to request information from XXXX XXXX XXXX XXXX XXXX regarding your account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Account Account # : unknown Dear XXXX, I am writing to formally request further information and validation regarding the account referenced above. Please provide me with the following details regarding this account : XXXX. The full date the account was originally opened. 
XXXX. The full dates of the first and last delinquency on this account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date this account was charged off, if applicable. 
XXXX. A copy of the original contract or agreement bearing my signature. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and obtain this information for verification purposes. Until you provide the requested documentation, I consider this account disputed and will not acknowledge any debt owed. 

Please respond within XXXX  days of receiving this letter. You may mail your response to my address listed above. 

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

Sincerely, XXXX XXXX
Product: Student loan

After the loan forgiveness was announced, I requested a refund through Edfinancial of over $ XXXX of payments I made after XX/XX/2020, which resulted in my federal loans being paid in full. I received a timeframe of 170 days or more to have the loan balance reinstated and the refund processed, with no written confirmation of any kind to confirm that this request has been received. This is really not an acceptable timeframe at all, especially considering the amount of money they are withholding from me. Additionally, I have spoken with many people who have had their refunds processed significantly more quickly than the timeframe given to me by Edfinancial. There is no reason why Ior anyone elseshould be forced to wait over 6 months to receive a refund for money in an amount of this scale. 

I would be more than happy to attach documents about this issue, but Edfinancial has elected not to provide written confirmation of my request.
Product: Money transfer, virtual currency, or money service

This letter constitutes a formal complaint against Cash App, operated by Block , Inc., alleging repeated instances of unauthorized transactions, inadequate fraud protection measures, and failure to properly address customer service inquiries regarding fraudulent charges on my Cash App account, resulting in significant financial losses. 

Despite promptly reporting these fraudulent transactions to Cash App customer support, my attempts to recover the funds were met with delays, inadequate investigation, and ultimately, denial of my claim. 

Repeated attempts to contact Cash App customer service regarding these fraudulent charges were met with long wait times, unhelpful responses, and a lack of clear resolution pathways. 

In light of the above, I demand that Cash App immediately take the following actions : Full reimbursement of the unauthorized charges totaling [ {$1400.00} ]. 
A comprehensive review of my account security and appropriate compensation for any future damages resulting from inadequate fraud protection measures. 
A detailed explanation of the steps taken to investigate and address my complaints regarding the unauthorized transactions.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint again in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Identify item ( XXXX ) resulting from XXXX  that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022 paid last payment to XXXX XXXX. I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED XXXX REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD XXXX  SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. XXXX HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK XXXX WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX XXXX CONFIRMED DEBT... BUT XXXX NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call XXXX ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be 31 days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with XXXX XXXX XXXX, everything must be 100 % accurate on my credit report. 

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 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 an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Debt collection

Notice this collection agency on my credit report wasnt aware of this. Stated I got loan on XX/XX/XXXX owe XXXX XXXX and XXXX dollars since XX/XX/XXXX. Since XXXX of this year been reaching out. Sent company a debt validation letter sent me a copy paste contact. Not a signature or dated signature, just computer copy and paste.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Debt collection

Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act i am intitled to XXXX free credit report every year and Hire Right is violating my US constitutional right by refusing to send it to me.Hire Right claims that i asked for a credit report instead of a consumer report but according to XXXX credit report is a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX File : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you