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

This account is with XXXX XXXX XXXX, it is outdated and out of the statute of limitations to report this debt. I have ask the credit bureaus and the creditor to remove this tradeline due to this inaccuracy.
Product: Debt collection

XXXX XXXX  is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.
Product: Mortgage

XX/XX/2021 : I started talking with a Rep from AAG reverse mortgage ( XXXX ) company. 
XX/XX/2021 : I had the mandatory XXXX  counseling. 
XX/XX/2021 : I submitted the counseling certificate to the AAG. 
XX/XX/2021 : I met with an notary signing agent to sign Application Papers, including a form " Applicant Compliance Agreement '' which stated " By acknowledging this disclosure, Applicant is not obligated to continue with the loan application or obtain a Reverse Mortgage loan. '' XX/XX/2021. AAG processed my credit card information with a charge of {$560.00} for an appraisal of my property. 
XX/XX/2021 ( Friday ) The appraisal company left a message on my phone to set up the appraisal. 
XX/XX/2021 : I emailed the rep at AAG " Because of a life changing event in my family, I am postponing all further action on the reverse mortgage until further notice. The appraiser contacted me for the first time on Friday, XX/XX/XXXX ( wrong date should read XX/XX/XXXX ) by leaving a voice message on my phone during my work hours. Seeing that nothing was scheduled I would appreciate it if the charge to my credit card ending in **** be reversed asap. When things settle down in my family, I will reconsider a XXXX and contact you. '' XX/XX/2021 : I emailed the rep again " On Monday I wrote that I would not be going forward with the XXXX because of a life changing event. Until I know what the long term effects will be, it is not advisable for me to go forward with the XXXX. I respectfully request that you reverse the appraisal charge to my credit card and close the file on my application. 
XX/XX/2021 XXXX ; XXXX XXXX : I emailed the rep again. Hi ****, This is my XXXX request to reverse {$560.00}. credit card charge for an appraisal that never happened. I don't understand how this can take over a week, when it only took a couple of days to be charged once you had the information. This charge was applied a week before your appraisal company even tried to contact me. If you can not do this please advise me who at AAG I need to contact to get this resolved. '' XX/XX/2021 XXXX : Reply from XXXX " Hello ****, I am still working on this. Unfortunately, it takes a little time, but I will reach out again today. Thanks '' XX/XX/2021 XXXX XXXX : I emailed the rep again. " Hi **** XXXX request for AAG to reverse the {$560.00}. credit card charge for an appraisal that did not happen. It has now been 2 weeks since you wrote that you were working on this. Please forward me contact information for someone that has the authority to reverse this charge. '' XX/XX/2021 XXXX XXXX  : Reply from XXXX ****, I reached out to the appraisal coordinator to have them grant you request. They then had to cancel out the file. So I will follow up with them again tomorrow and a number if possible. Thank you. '' XX/XX/2021 XXXX XXXX XXXX I sent all the above information to American Advisors Group, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX through the XXXX website. 
XX/XX/2021 I mailed a hard copy of all information to AAG attn : Accounts XXXXayable Dept. 

Have not received any email reply from rep since XXXX, XXXX, 2021. Have not received any response from AAG.
Product: Debt collection

I received a letter from CCS saying that XXXX XXXX placed my account with them to collect a debt. 
This " debt '' with XXXX XXXX  was disputed and dismissed. I have a screen shot from their website saying that there is no such claim. Nowhere in the letter received from CCS does it say that I can dispute this claim. Only instructions to make the check out to XXXX XXXX, but they say I don't owe anything!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a wire transfer of {$40000.00} from my XXXX  Business Account to my XXXX XXXX which used Citibank as an intermediary. XXXX charged a {$25.00} fee which I accepted for the wire transfer, and the XXXX  incoming transfer was going to be free. There was an issue with the wire transfer and Citibank as the intermediary returned the wire. 

When the wire was returned, Citibank had deducted {$40.00} from it. I have contacted both XXXX and XXXX and both banks have told me that this is fully on Citibank who took the funds. I am not a customer of Citbank and they give me no standing to even request a return of the funds. 

Additionally, at no point did I agree to this fee. When I agreed to the wire transfer, I only agree to the outgoing fee that XXXX charged me. This fee is hidden, not agreed to, unexplained and there's no way to return it. 

Additonally, were I to actually be a Citibank customer, the maximum they charge to receive a wire transfer is {$25.00}, so this is fee is pure robbery because a ) I have no way to get clarity on it b ) they do not give me a way to refund it c ) it was never agreed to d ) and they didn't even provide a service because the wire was returned. 



XX/XX/XXXX  WIRE REVERSAL B/O : XXXX XXXX FUNDS TRANSFER SAME DAY XXXX FL XXXX US ORG : XXXX CITIBANK N.A. REF : XXXX/OUR REF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX TRN XXXX AS XXXX BENE NAM E AND ACCT DO NOT MATCH LESS FEES TRN : XXXX
Product: Checking or savings account

Hi, Yesterday, XX/XX/XXXX, I attempted to access my online back account with Bank of America yesterday and I received a " there is no account connected to this username '' error. I have had my personal checking with B of A for 23 years. I called and they said my account was being closed, no reason and no resolution to be had. I explained to them that the only reason I even checked the account is because I am closing on house friday XXXX ( as I type this it is wednesday XX/XX/XXXX ), so without that money I can not close on the house and I have nowhere in WA to live as I am out of my current house XX/XX/XXXX, so was hoping to be closed and have a small window between ( because of the XXXX  weekend I dont know if anything would hold up the closing ). 
so after calling the " account closures department '' alone and with a Bank of America branch manager, I am being told that I can't have my money but instead must wait 5-7 business days to have a check mailed to me via USPS, and agin- I am set to close on my house in 3 days. 
I put in requests for access to my funds both alone and with the branch manager who said she could see the monies in my account, but it was frozen so she had no access. 
by the 3rd call, the account was closed and I was told that I was out of luck and its policy to close accounts without notice. 
the real kicker is that my distribution check of {$40000.00} from the company that I own was deposited at the bank branch by my CFO not 1 hour prior to me learning about the closure. so the account was restricted and set to be closed, but they still allowed a {$40000.00} check to be deposited into my account, and they will not give me access to those funds either and said that it will go through the same refund/closing process and that sum will be mailed separately. 
I also have been denied any access to my account so I can not view any records. I need to itemize purchases for taxes and I need to be able to see what auto-drafts come from this account so I can change it and disrupt my life as little as possible. I have so many things that automatically come from this account - like I mentioned I have had it for 23 years. 
how is this fair? Iget countless emails from them daily, and never so much as an email that just says I should check the status of my account? and then once I learn about it, the day before it is officially closed, they will not grant my access to get a cashiers check from a branch so that I can close on my house. It seems very sneaky that they would allow deposits after unexpectedly closing my account, and then refuse to allow me access to my own money, and instead insist on sending {$420000.00} in a paper check, in the mail. so that I will need to deposit those funds into another bank, and without knowing why my account was closed I couldn't possibly know how to prevent it from happening at anther institution. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for one month to set up a Trusted ID account with Equifax after their security breach. I have spoken to three separate agents from Equifax for a total waiting time of 2 hours who told me a password would be sent to my email and that password was never sent.
Right now I have been on hold for 45 minutes with Trusted ID after having been given their number.
Yesterday a credit card of mine was falsely used, I believe because of the Equifax breach and yet I can not set up an account with them by email or phone. I believe they are fraudulent in promising credit monitoring for one year free because it is impossible to set up an account. I do n't think they deserve to be one of the three companies with access to credit reporting after this debacle.
Product: Credit reporting or other personal consumer reports

Date XX/XX/year> Name : XXXX XXXX I have called the company they were unable to give me any information on when I have applied for they service
Product: Prepaid card

I have been having problems using an American Express Gift card received three years ago. I have tried using is to purchase items online with no success. My most recent attempts have cost me {$.00} off of the card 's {$50.00} total. Some online research has shown this is a common problem with the American Express Gift cards, and that American Express is unresponsive when trying to resolve the problem. 

I had tried to utilize the card several times before any transactions show in the history. However, because the card would not fully cover the purchases, and the entering of two different forms of payment was not allowed, the attempt never went through. 

XX/XX/24 ( Two Attempts ), {$50.00}, declined both times XX/XX/24 ( Two Attempts ), {$50.00}, shows two pending charges for {$.00} each, which will not allow me to purchase a {$50.00} item
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To Whom IT May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatante and objectionable disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : I. ) Record type : XXXX XXXX XXXX XXXXXXXX - Reference number : XXXX XXXX. ) Account name : XXXX XXXX XXXX - Account number : XXXX XXXX. ) Account Type : Collection - Account number : XXXX If you do not immediately remove this fraudulent and incomplete information, I will file am additional complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 dayz to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2018. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX Just updated my closed account payment history when I disputed the sol of the account being too aged. 

They have violated multiple laws I demand for them to delete everything and stop having XXXX XXXX XXXX  XXXX destroy my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section
Product: Debt collection

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX  XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both XXXX XXXX, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called XXXX XXXX to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both XXXX and Transunion to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as XXXX XXXX is paying them to post this bogus account on my credit reports and they ignore everything I provide.
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report.15 U.S.C . Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. 

In addition, in accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights. 

1.15 U.S.C 1681 section 602 A, states I have the right to privacy:15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2.15 U.S. Code 1692b - Acquisition of location information : Anydebtcollector communicating with any person other than theconsumerfor the purpose of acquiringlocation informationabout theconsumershall ( 2 ) notstatethat suchconsumerowes anydebt ; ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; and15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with aconsumerin connection with the collection of anydebt 3.15 U.S. Code 1692d - Harassment or abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Once again, I demanding this account be deleted.