23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed by Consumer Report and noticed inaccurate/unverified information is being reported by the CRAs. I have disputed inaccuracies with the Creditor/Data Furnisher and both agencies did not provide reasonable procedures followed by law of reporting adverse account information to my consumer report. 

15 U.S. Code 1681e of the Fair Credit Reporting Act ( FCRA ) outlines the requirement for maximum possible accuracy of information in consumer reports. Heres the relevant section : 1681e - Compliance procedures Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates1.

15 U.S. Code 1666b - Timing of Payments : A creditor may 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 to ensure that each periodic statement, including the information required by section 1637 ( b ) of the FCRA, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following accounts are reporting inaccurate and unverified - XXXX XXXX-Acct ending in XXXX Late Payment reported on XX/XX/XXXX, XXXXCreditior/Data Furnisher did not verify/validate late payments under the FCRA. 

XXXX XXXX XXXX XXXXXXXX Late Payment reported on XXXXCreditor/Data Furnisher did not verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all XXXX CRAs by XXXX XXXX  XXXX Charge Off-various reporting of Last Activity, Payment Status, Account Type to all XXXX CRAs by Creditor XXXX Late Payment-30 day late XX/XX/XXXX, XXXX ( added after disputing 30 day late ) ; 60 day XXXX, XXXX ( added after disputing which shows inaccurate reporting ) -Creditor/Date Furnisher failed to verify/validate late under FCRA-Creditor added additional late payments-CRAs added additional late payments to consumer report without verifying-which shows inaccurate reporting. 

XXXX XXXX ( XXXX XXXX XXXX Acct # ending in XXXX Late Payment-XXXX-CCreditor/Data Furnisher failed to verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor
Product: Debt collection

The company has issued a judgement against me, and try tonstart garnishing my paycheck I was able to get the attorney to hold off on tue garnishment because where they were sending correspondence I didn't live there in over XXXX  years plus they were using my old name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After XXXX, XXXX, and Experian conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

XXXX XXXX Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX-EXPERIAN-XXXX  XXXXXXXX XXXX XXXX Account XXXX XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed in a full Metro 2 Compliant Challenge Complaint on the credit profile under my name that is listed with the Credit Reporting Agency. I did not receive any response to my Challenge from the Agency and it has been over the allotted 30 day investigation period.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates consumer financial protection act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience, and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I'm struggling to remove these fraudulent inquiries from my consumer report. They aren't related to me, and I'm not accountable for them. Dealing with these has been incredibly stressful, affecting me both mentally and financially. As a victim of identity theft, I'm considering legal action if this issue isn't resolved appropriately. These inaccurate and fraudulent entries on my credit report have prevented me from purchasing the house I've always wanted and addressing my family 's needs, causing significant financialhardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to complete 605b block to finalize the remaining XXXX accounts. I have uploaded mailed and faxed. I have been denied credit due to failure to complete these blocks.
Product: Debt collection

XXXX XXXX This record is false, inaccurate, and the result of an unethical attempt of this company to collect on debt that is not due. The lease was completed with this company nearly 4 years ago! The date of the account is not accurate XX/XX/XXXX. The XXXX XXXX XXXX changed management and they submitted this in an attempt to take advantage of the COVID laws, because obviously they were desperate for income. They falsified this and sold this debt to XXXX XXXX because they were not getting revenue due to the CARES ACT forbearance of rent payments.This is easy to prove, they never had any entitlement to more money from me. This false account was sold to them nearly 3 years after my business with the previous management was concluded. If Transunion had done a proper investigation they would have uncovered this. The status says Account XXXX. This is not true. I have no relationship with XXXX XXXX, never even had contact with them. I finished my lease in XXXX with the XXXX XXXX XXXXXXXX. The date XXXX XXXX, XXXX for balance update is not accurate. I don't have a balance, and none of this should be happening. Again this company is in the top XXXX of companies with most complaints because it always buys shady fake debt and harasses people. This record must be deleted for maximum accuracy as required by FCRA 15 USC 1681e. Its clear that this is not a fair practice. No contract or lease has ever been produced be either to confirm this to the CRAs instead you all are blindly taking the word of known fraudsters and deceptive businesses in order to keep my credit profile in sub-prime which allows you to make more money selling this inaccurate info to banks so that they can make more profits by charging more interest. You must delete this record. Your response will be saved and used. 

The law in case you don't want to look it up : 15 USC 1681e ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 6 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : Account Number XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report
Product: Checking or savings account

US bank has opened an account in my name with funds deposited from Unemployment checks. I did not file for Unemployment nor did I request an account to be opened. I have received an ATM card for use in accessing these funds which have been fraudulently requested by unknown persons. Recently, I did see in the news where US Bank had been fined by the Government for opening up fraudulent accounts. Am I part of that or fraud at our state level. To date, I have not received a call, email or text from US Bank, or CFPB,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$2300.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit card

I have had two major issues with my Citi double cash card.

1 ) In the span of 2 weeks my card was blocked N times and I have spent hours on the phone trying to resolve it. I was doing regular transactions with merchants I have always used with this card ( XXXX, XXXX, XXXX, XXXX XXXX, ... ). 
This makes using this card pretty challenging and it is my primary card for purchases. Citi has not given me a response on why this is happening and how are they going to prevent it from happening again. Their agents just say they have made complaints in their internal department but given how long this is going on and how frequent it is happening it is pretty clear to me that these internal complaints are not being heard, thus why I am filing this complaint now. 

Some of my call log : - Talked with supervisor XXXX on ( XXXX ) XXXX at XXXX XXXX PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : According to them blocked because of XXXX transaction - XXXX XXXX  PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX PST XX/XX/XXXX : I don't remember which transaction it was but I had just cleared the card XXXX hour before and it got blocked again. Seemly no new transactions. 
- XXXXXXXX XXXX PST XX/XX/XXXX : Don't remember the transactions involved but I had to redo this XXXX hour after, Citi never gave me an explanation of why - XXXXXXXX XXXX XXXX XX/XX/XXXX : Card present transaction at XXXX XXXX XXXX To make matters worse, they are not able to send SMS to my primary phone number ( a XXXX XXXX  XXXX and they won't accept my secondary phone number ( a XXXX XXXX  because the Caller ID name they get from some third party tool doesn't match my name. Both numbers are used to send me alerts about my account, have been properly registered on citi.com as my phone numbers but I still am not able to use them. I have had both numbers for XXXX and they are mine. 

The Caller ID part is particularly frustrating because I have a really long name that doesn't fit on the card or on the caller ID and the reason they don't match is simply that different parts of my name are used. This ends up being discriminatory to people from XXXX XXXX  countries because our names tend to be very long. 
I would like Citi to provide a way for me to properly register my secondary phone number to receive SMSs. Just give me the instructions. The fraud department agents just say it can't be used because of information from third party providers which is truly maddening.
Product: Mortgage

XXXX XXXX, XXXX Summary of Complaint In late XXXX, Wells Fargo triggered a Short Sale of our property! This happened as a result of our investigation and then pursuing a Home Loan Modification option with XXXX CA. Our application was declined. 
We pursued a similar investigation with XXXX XXXX as it was highly recommend to us as a solid local resource. The contact at XXXX XXXX was extremely helpful and supportive and we are disappointed that we were not granted a home loan modification by Wells Fargo. When mortgage rates dropped in XXXX, they would not allow us to replace and ARM loan with a fix rate mortgage. 
Unfortunately as a result of this pursuit, it has become necessary to repetitiously pursue the removal of sets ups by XXXX XXXX as short sale status presumptive Escrow accounts. We have made it perfectly clear that we do not wish them to handle home insurance and property tax payments that we continue to pay directly without issue. As a result of their forced payments, they have started billing us a monthly mortgage payment amount of {$4100.00} instead of the recently increased $ {$2600.00} since XXXX, XXXX. 
We have adopted a pattern of conference calls when we reach them so we at least can take notes and ensure more ears and eyes based on our growing mistrust of Wells Fargo. They overpaid our home insurance and this created confusion regarding our long standing account with XXXX XXXX as it presented a credit in that caught our attention in early XXXX! My husband has pursued vigorous follow up with Wells Fargo constantly communicating our continued concerns. In particular, without our agreement, they made proactive payments to our home insurance carrier contact at XXXX XXXX as well as property tax payments to XXXX XXXX of XXXX XXXX Tax Collector. As it turns out, XXXX XXXX accounting clerks promptly returned Wells Fargo 's proactive overpayment to them as soon as possible. This spared us what could have been more loss of our productive time to handle yet another on-going pursuit to cease their overt tactics. It may be needless to state that this has been very disruptive and unsettling condition that has dragged on over months. It would be remiss of us not to file a complaint with your Consumer Financial Protection Bureau as our instincts tell us we are likely not alone it this and need assistance. 
We can provide back-up documents with a time line related to our many follow up phone calls and the verbal responses that we were provided by Wells Fargo and others. 
Yours Sincerely,
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX  mobility billed me, in advance, for the upcoming service period of XX/XX/XXXX through XX/XX/XXXX. However, I changed carriers to XXXX on XX/XX/XXXX, and, therefore, would never receive any of the services for which XXXX XXXX XXXX is attempting to collect. The documents submitted with this claim unequivocally support this. 

I called XXXX XXXX XXXX to dispute the advance bill as these services were never rendered. Their representative attempted to " settle '' for {$50.00}. I asked the XXXX XXXX XXXX representative what services they would be providing and they stated " none '', but that " it is their policy to bill in advance ''. I told the XXXX XXXX XXXX representative that I am disputing the entire advanced billing attempt since XXXX XXXX XXXX would not provide any products or services as claimed on the invoice, since I switched carriers prior to the start of the billing period in question. Based on XXXX XXXX XXXX XXXX own terms of service, I do not owe any sum for the period in question. Furthermore, I have documentation showing XXXX also billed me, accurately, for the same dates ( XX/XX/XXXX - XX/XX/XXXX ) for the same phone numbers. 

XXXX XXXX XXXX later added roughly {$6.00} in interest/late fees before leveraging multiple third-party debt collectors in an attempt to scare me into paying for services never rendered, or risk damage to my credit rating with the 3 bureaus. " XXXX XXXX '' is the latest third-party debt collection agency leveraged by XXXX XXXX XXXX in their attempt to defraud me. They have sent collection emails to me on XX/XX/XXXX and XX/XX/XXXX as of this writing. 

Following the submission of this formal complaint, I am mailing a dispute letter to XXXX XXXX, expecting that they cease and desist any and all actions pertaining to this matter. The attachments herein are indisputable evidence that XXXXXXXX XXXX XXXX erroneously attempted to bill in advance after they no longer owned the phone numbers in question, as both they and XXXX billed me on XX/XX/XXXX for the service period of XX/XX/XXXX through XX/XX/XXXX. As such, I do not owe XXXX XXXX XXXX any debt whatsoever.
Product: Credit card

I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Student loan

I got a XXXX dollar private loan from Sallie mae, a small portion which was federal, to attend XXXX school. The interest for the loan was 14 %, I payed {$600.00} a month for 7 years. I payed back XXXX and still had 10 more years estimated that i pay them {$600.00} a month. I have never made more than 20k in a year but I'm obligated to give them XXXX of that a year and yet the best lowering of payment they ever offered me was paying {$550.00} a month. Now that I've defaulted I can no longer get any record of how much I payed them and I am no longer able to login on my online account. I was XXXX and didnt know better but was told after I asked that I would be able to afford this. This loan was predatory and paying $ 600+ a month for 17 years of my life when I never made more than {$1500.00} dollars in a month is absurd. Their help was to lower my payments by not even a three digit number. I also no longer have access to my account to prove how much I have payed them.
Product: Checking or savings account

My account was being allowed to overdraft, so that the bank could collect overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Mortgage

Di tech has repeatedly called me at work when I have asked the calls to stop. They call me After I already tell them that the payments are made via bill pay. And continue to call me after I have already made arrangements to pay. In addition several Threatening messages have been left on my cell phone. When trying to make payment arrangements they insist on me using their pay by phone service which has a fee associated to it. My account also has an " Unapplied ballance '' of more than the amount of the payment owed.
Product: Debt collection

This company is calling family members at work while informing them of my debt. My family does not want to be contacted about any debts that are not regarding them. I haven't received any written communication regarding whatever debts they say that I owe yet they're disturbing family members about the debt
Product: Mortgage

Since being denied a loan medication ( see complaint dated  XXXX / XXXX /  XXXX   ). My attorney has suggested that I stay pro a ctive with CitiMortgage  which I have tried to do by leaving the lines of communication open. I have promised and fulfilled my promise of sending  XXXX  a month on my doubled mortgage payment. The representative who I talk to document this.   Now it is to the point of harassment in th at Citi cal ls every day asking for money and I tell them that I will make a mother payment around the first of the month, but every day they call again. I have formally by letter via fax which I was instructed to do requested a cease and desist order and as of this writing I am still receiving calls every morning.   When I was trying for a loan modification my repeated calls to them were left unanswered,   but now that I am behind I get these harassing calls every day. I am trying to stay pro-active into working with Citi, but the harassing must stop.
I am contacting my state Representatives and Senators c  oncerning the business practices of CitiMortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX