23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX, Manager XXXX The basis for my dispute is was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXX, XXXX XXXX, Managerfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX, furnishing the negative derogatoryinformation to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. 
They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX, Manager '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX, Manager failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX, Manager is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. 
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: Mortgage

XX/XX/2020 I tried to reach out to Dovenmuehle to request a forbearance when we found out his contract was not going to be honored due to COVID-19 and we would not have enough money to pay XXXX mortgage. Unfortunately, I was hung up on two times. I spent almost 3 hours on hold ( phone records available ). Completed Loan solutions application per Dovenmuehle message prompts. Application was denied because it was an FHA Loan? We have a VA loan. 

XX/XX/2020 I called the VA spoke with XXXX XXXX, asking for guidance on how to proceed. He verified our VA mortgage and went over what Dovenmuehle needed to do per the CARES ACT. He also advised us to make a complaint with thXXXX XXXX XXXX XXXX 

XX/XX/2020 CFPB complaint # 1 Please see attached XX/XX/2020 I spoke with two customer service agents at Dovenmuehle and explained to them how my income had been affected due to COVID-19 and that servicers must approve the forbearance for the amount and time that the borrower requests. Dovenmuehle has chosen not to adhere to this item of the CARES ACT. The customer service  agents were more concerned that I understood that my request was a forbearance not a deferment. I told them I understood the difference of the two words. I read to them the items from the VA regarding that at the end of my forbearance Dovenmuehle must work out a realistic payment arrangement or attach the past due to the end of my mortgage term. I was told that Dovenmuehle had a backlog of paperwork and I would receive the paperwork as soon as Dovenmuehle could get it processed. I did inquire at this statement whether my mortgage would be reported to the credit agencies as late. I presumed that item would be updated with the credit reporting agencies as soon as the paperwork was completed as I had requested the forbearance in XXXX. To date this has not occurred. 
XX/XX/2020 Dovenmuehle Mortgage responded to the CFPB complaint # 1 and electronically provided the paperwork for the forbearance. It was incorrect as it stated that we were in default for XXXX XXXX mortgage and provided the forbearance from XXXX, not XXXX. 

XX/XX/2020 CFPB complaint # 2 Please see attached Filed another complaint with CFPB for the unsatisfactory response from Dovenmuehle Called XXXX XXXX whose name was listed on the Dovenmuehle response call would not connect XX/XX/2020 Sent hard copy letter to Dovenmuehle requesting paperwork be corrected ( Received by Dovenmuehle on XX/XX/2020, signed for by XXXX XXXX ) XX/XX/2020 Dovenmuehle responded to complaint # 2 that they were amending the forbearance to reflect 180 days but did not respond to the portion to include XX/XX/2020. 
Sent another letter to Dovenmuehle requesting corrections XX/XX/2020 Left voicemail for XXXX XXXX at Dovenmuehle Received a letter dated XX/XX/2020, from Dovenmuehle via XXXX none of the terms had been corrected. 
We contacted XXXX XXXX, our U.S Representative requesting assistance. 
XX/XX/2020 CFPB complaint # 3 Please see attached Requesting for the corrections to be made to the Forbearance Agreement and to stop sending the same paperwork
Product: Money transfer, virtual currency, or money service

I have a PayPal account to which I use for online transactions. Including to send my winnings from online games. Well I've had an estimate of around {$150000.00} USD in winnings from games I've acquired over about XXXX years in XXXX @ XXXX and was supposed to be deposited to my PayPal account. Well that didn't happen. I contacted PayPal and they said I have nothing. Contacted the gaming corporation and they said It had been deposited. Also sent invoice copy of a transfer to my account. Contacted PayPal again, still they say, no pending transactions, no deposits, no transfers. So I just gave up on trying to get my money from PayPal after trying for months and months. Well I've recently learned they have my money in some holding account with XXXX  XXXX, and are still not releasing my funds to me. Also, I have XXXX investments I attempted to have exchange USD and deposited into PayPal and in their terms and conditions for deposits, they say you have to make donations to XXXX until further notice or you will not receive your funds. If you could Please help me with this situation. I'm on XXXX XXXX, and do what I can to make ends meet to live and can really use the money I've earned before winter hits again. Please, if you can't help could you direct me to where I can receive some assistance. Thank you and have a nice day
Product: Credit card

Citibank My Citi Prestige card annual fee came due. I paid the {$95.00} annual fee, but then downgraded the account to a Citi Costco card. The fee was refunded and I had a positive balance of {$95.00}. Citi was supposed to refund this via check. Instead Citi closed the account ( # XXXX ) and will not refund my positive balance on the account. I have called on multiple occasions. The last 2 times I called we XX/XX/23 & XX/XX/23. The account was closed in XXXX. Every time I reach out they say they will send me the check to refund, but the check has never arrived. I know Citi has the correct address on file, because I receive and advertisement from them almost weekly addressed to me ( typically a favorable loan agreement is the advertisement ).
Product: Money transfer, virtual currency, or money service

Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. Starting on or about XX/XX/2021 up to and including XX/XX/2021 I have communicated to Cash App through the support function on website, had email communication with XXXXXXXX XXXX and XXXX, and with the social media team through the Message option on XXXX. In each case they provide instructions on how to access account and trouble shooting advice if I am unable to log in following the instructions provided. In each case I have followed the instructions given and submitted the requested account information. The Cash App Team seems unable or unwilling to look into the problem and provide a solution beyond instructing me how to sign into app and repeatedly asking for the same information over and over again. When a company has your funds, no matter how little, and access to a linked checking account their should be a sense of urgency to allowing customers to have access to their money. 
Attached is pop up I receive when trying to log in.
Product: Credit reporting or other personal consumer reports

Experian and Equifax shared inaccurate credit score data with lenders, which led to credit denials. I can not access an accurate or consistent report online violating FCRA 605B ( 15 U.S.C. 1681 c-2 ). Experian and Equifax conducted XXXX inadequate investigations failing to address my request to remove all inconsistent and unfair information on my consumer report violating 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests to have the date of first delinquency correctly reported for the XXXX XXXX Account listed on my credit file. I submitted proof along with my request. However my proof is constantly disregarded. Due to the first date of delinquency being reported incorrectly, the file is not aging correctly and is affecting my credit scores. Interest rates continue to rise and this file has prevented me from refinancing my home and has resulted in financial harm to me.
Product: Checking or savings account

In XX/XX/2022, I received a mailing from CITIBANK. It advertised that by opening a new CITI Miles Ahead Savings Account, I can earn AAdvantage bonus miles. The miles would be added to my CITI American Airlines Advantage Mastercard. The mailing clearly states that all I need to do is open the account, deposit {$50000.00} and maintain it for 60 days, and then wait 90 days for 40,000 miles to appear. Please look at the attached mailing. So on XX/XX/2022 I deposited {$50000.00} into a new Citi Miles Ahead Savings Account. Today is XX/XX/2022. The {$50000.00} is still on deposit. I've called CITIBANK 6 times over the last 3 weeks. When I ask how soon the miles will get credited, I get a different answer every time. The last time I called, I was told that they couldn't locate a promotion code attached to that account. So I mailed a copy of the actual literature to CITIBANK, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, along with a cover letter. Still waiting for a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit card or prepaid card

On XX/XX/XXXX my ex-wife contacted CitiBank and requested another CitiBank card be issued to her under my account in her name. I am the primary card holder and I was never notified of another card on my account being issued to her. In XX/XX/XXXX after we mutually agreed to a divorce the ex-wife starting using the credit card on several purchases I would have never purchased or had purchased in the past. I was notified by an acquaintance that the ex-wife was using a credit card to purchase several items at places I would never go to. I called all the companies I have credit cards with, to include Citibank. I asked each company to include Citibank if there had been any purchases, activity or information changes on my credit cards. I called each company in the early part of XX/XX/XXXX and XX/XX/XXXX. Citibank informed me that no activity, no additional cards where issued or information had been changed on my credit credit card account. In early XX/XX/XXXX a representative from Citibank called me to ask when I would be sending a payment and my payment was past due. I said I have never been late with a payment which the Citibank representative agree with. I then ask where they had sent the credit card statement to and they advised me of a new and different address. I asked the representative why they had sent the statement to a new and different address, they advised it had been changed. I then changed the address back to the old address which the statement had been sent to for the past 18 years. Upon further inquiry I was informed that a large balance {$11000.00} had been incurred on the card at places I had never been to or used a credit card at in the past. I was also informed that information had been changed on the account. The mailing address was changed and the card obtained in a fraudulent manner by using my information along that I had agreed to her having the card. When I ask them for the proof or the phone recording the representative at Citibank told me that I was not entitled to that information and they would not release any information concerning how she obtained the card. The representative then transferred me to the Fraud Department and I spoke with several representatives to explain the situation. They informed me that a Fraud Investigator would  be calling me back. One of Citibanks Fraud Investigators Mr. XXXX XXXX called me back and left a message on my phone ( I have the voice mail message saved ) informing me that another department would take care of the problem. The phone # that he left was XXXX. I called this number and they gave me another # to call XXXX and I called them, they advise me that they would investigate the situation and get back with me. They called me and said they had no records of any of these transactions and I needed to pay the credit card in full. They closed the original act # XXXX where the fraudulent transactions occurred. 

This person is not a joint card holder or on the account holder or related to this account in any manner ... However this complaint form makes you choose one or the other ... either are applicable
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves all 3 credit Bureaus but especially XXXX  who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX  Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!
Product: Mortgage

The mortgage company that I worked for was sold to Guaranteed Rate. I did not sign a contract with them, I left and went to work for a different company during the acquisition and did not sign a contract with them. However Guaranteed Rate is using my name and NMLS # to continue to advertise to clients that I am pulling credit for at this time, not just client leads that were purchased during the acquisition, regardless I was never an employee of theirs and I believe it to be illegal for them to pretend to be me by using my name and NMLS # to advertise to consumers that they have been preapproved by me. I haven't worked for the company that was purchased since XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

Ive been attacked by cyber security and scammed and fraud
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 XXXX XXXX XXXX, acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records and convictions of crimes which antedates the report by more than seven years 15 USC 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 cost to believe the information is an accurate
Product: Debt collection

I have never had an account or contractual agreement with the company AR Resources. I never received any documents via mail from this company, never spoke to anyone from this company and I do now owe this company any money! I have disputed this with XXXX  and it is the only credit reporting agency that has not removed the this account that was never mine from my report.
Product: Vehicle loan or lease

I bought my XXXX XXXX off the lease at the end of XX/XX/2020. I financed it through the ford dealership, they used XXXX  XXXX. XXXX XXXX did not send the money to Ford until mid XXXX causing a payment to exceed 30 days in the amount of {$370.00}. I am arguing that the late payment on my credit report is not due to me being late on a payment but is due to the ford dealership not sending in my payoff amount to ford on time. I called ford and they spoke to the dealership to have them send in the payment and paperwork but I would like that late payment removed from my report. 

Thank You
Product: Credit reporting or other personal consumer reports

This is my final demand regarding the inaccurate reporting of late payments on my credit report as indicated on my TransUnion report. It is unacceptable and outrageous that TransUnion is the only bureau reporting this as late, despite clear evidence in my account history showing otherwise. I should not have to repeat myself or continue to provide you with information that you already have on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Box 1 : XXXX XXXX Department : Remove fraudulent accounts from my credit report.
Product: Debt collection

Seventh Avenues card {$280.00} Montgomery ward card XXXX These accounts were opened in XXXX when I was XXXX XXXX  in the military. I did not open these accounts and I did not make any charges I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I had no idea these accounts were in my name until XX/XX/XXXX. I would like for these accounts to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED, AND THE SUPPORTING DOCUMENTS, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS.
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit card accounts were open in my name at XXXX XXXX XXXX XXXX in XXXX of XXXX. My wallet was stolen in XXXX of XXXX  since then I have been suffering from idenity theft. I Am not responsible for any XXXX XXXX XXXX XXXX debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   {$20000.00} XXXX XXXX {$1700.00} XXXX XXXX {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO REMOVE A N ACCOUNT -XXXX/CITI WITH A BALANCE OF {$18000.00} FROM MY XXXX CREDIT REPORT. XXXX  AND MY SELF HAVE TRIED TO GET DOCUMENTS WITH MY SIGNATURE ON FILE NUMEROUS TIMES AND THE BANK REFUSES TO RESPOND AND GIVE US DOCUMENTS TO PROVE THIS. I HAVE BEEN TRYING TO RESOLVE THIS FOR THE LAST 5 YEARS AND THE BANK REFUSES TO COOPERATE.
Product: Checking or savings account

On XX/XX/2021, I opened a One Deposit Checking account with Citizens Bank, through XXXX XXXX ( Branch Manager of Retail Banking ) in anticipation of using Citizens Bank for our home mortgage. We ended up using a different lender and contacted XXXX XXXX, in writing, to close our checking account and to have the funds mailed to our home address. He confirmed, in writing, that he would take care of that day. To our surprise, the account has never been closed. I reached out to XXXX XXXX, again, on XX/XX/XXXX, requesting, in writing, that the account be closed and the funds be mailed to our home address. Again, this request went unfulfilled. On XX/XX/XXXX I attempted to close the account through Citizens Bank Customer Service, who then informed me that they can't close an account over the phone when it has more than {$50.00} in it. The only way to close the account is for me to transfer the money out, wait one business day, and then call them back to close it. These types of delay tactics, where banks push the onus back onto the consumer, are precisely designed to have consumers forget and/or give up. I requested, twice, in writing for the account to be closed and provided the address to mail the funds. It is illegal to ignore these requests. I now have to go through a more onerous process to close the account. I suspect I am not the only consumer facing this type of issue with Citizens Bank, which is why I am reporting it. Thank you so much for your help with this issue.
Product: Credit reporting or other personal consumer reports

i was a victim of XXXX trafficking and i have uploaded all supporting documents to support my block on the accounts do to XXXX trafficking 605C