23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/year> Money sent through XXXX  to woman claiming it was for a deposit on a puppy. 
She had all info that seemed real. Woman claimed she did not receive money. Bank verified money was takin out of my account. Bank state they only refund for fraud not scams.
Product: Checking or savings account

XX/XX/XXXX I had a fraudulent charge from an online vendor/merchant " XXXX '' in the amount of {$100.00}. I noticed the charge, I did not provide my information to this website nor buy anything from them. I called and dispute the first day i noticed it with Citibank on XX/XX/year>. The charge was temporarily reversed. 

Then XX/XX/XXXX, the funds were taken back out, and Citi said they did not honor the dispute. Again this was fraudulent, and there has been a huge problem with card skimmers on ATMs, gas pumps, and grocery stores. I have had a crime committed against me having my information stolen, and Citibank is OK with letting them steal money from me.
Product: Mortgage

In XXXX XXXX XXXXXXXX XXXX Company sent me my escrow statement where the taxes were XXXX to much. Therefore raising my mortgage payment from {$2400.00} to {$3600.00}. I called them emailed them proof of the tax record showing there mistake. They said it would be fixed by mid XXXX. It is still not fixed now in mid XXXX. I sent them XXXX payment for {$2400.00}. They responded to me with a letter saying it was a short payment and they will not accept another short payment again. When I call them one department says its fixed while other department says I still owe them {$3600.00} a month. So I went to the Housing council of to see if they could help. While there we called again. Now they say my mortgage is XXXX a month which is still {$600.00} to much. Now were going to be behind XX/XX/XXXX 4 mortgage payments because they won't accept short payments and they still have not adjusted our mortgage to the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a negative report from XXXX XXXXXXXX XXXX on my credit report which states that I had a past due payment of 30 days. That account has been closed and I have no idea why there would be a late payment recorded when there is no balance. I want this negative removed from my credit report which is otherwise flawless. The account was opened XX/XX/2008 and closed since then so I don't know why anyone would report a one time late payment that remains to the present time. I don't know why the payment was late but I pay my bills on time and find this report suspicious. I would appreciate someone contacting me from XXXX XXXXXXXX XXXX to inform me of how I remove this negative comment. My email is XXXX Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block Inc ) due to inadequate customer service and unfair practices, which violates the 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 fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seem appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Dear whom it may concern, I am writing to you concerning a matter of utmost importance regarding the information associated with my records. I recently received a copy of my credit report and noticed several inaccuracies, including an incorrect Social Security Number and an outdated address. I am writing this letter to formally dispute and rectify these errors. 
My correct personal information is as follows : Name : XXXX XXXX ( Formerly Known As XXXX ) Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX The incorrect Social Security Number listed on my credit report is XXXX, which is not associated with me. Furthermore, there is an error in the address history section of my credit report. The incorrect address is listed as follows : XX/XX/XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NY XXXX I have never resided at the address mentioned in the incorrect information, and I believe this discrepancy may be affecting my credit score and overall financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meridian Financial listed 6 separate accounts as delinquent with different amounts. The accounts were very old when it showed up on my report with dates that are more current. This was for a timeshare from 15 years ago, XXXX XXXX XXXX. We were given misinformation and disputed this in XX/XX/XXXX with XXXX XXXX and then it shows up on my report in XX/XX/XXXX. I disputed but had no way to explain myself, so they removed 3 of the accounts but the other 3 remain and are increasing all the time. They received enough of my money for NOTHING in the 3 years that I did pay for this and they will get no more. I have never even stayed there for vacation since XX/XX/XXXX.
Product: Mortgage

Let me start by saying I have had nothing but problem with this servicing company. This is my second complaint with you agency with this company. 

The servicing company XXXX XXXX issued my a refund of my escrow account once they finally analyzed the account after payoff. They issued a check in the amount of {$3500.00} which I deposited into my saving account on XX/XX/XXXX. On XX/XX/XXXX the check was not cleared a stop payment was placed on check and I was charged {$15.00} by my bank. 

I have made several calls and sent email asking for clarification and reimbursement. I have been told that they do not see where the check was stopped. Therefore, I am asking for your assistance in getting to the bottom of this. I constantly have to struggle with this company with they wrongful doing. 

These funds are needed in order to pay my property taxes. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance XXXX {$0.00} US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance : {$640.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$6900.00}
Product: Bank account or service

My employer submitted incorrect information to HSA Bank ( a subsidiary of Webster Bank ). Money has been deducted from my paycheck every 15 days since I was hired, but HSA Bank is refusing to release my HSA funds to me even after my employer has submitted corrected information ; and I have submitted requested information verifying my identity and social security number.
Product: Debt collection

I have reached out to all the credit reporting agencies such as XXXX, XXXX and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe RentDebt Collection Agency. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per RentDebt this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX RentDebt claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where XXXX XXXX XXXX  RentDebt claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Product: Credit reporting, credit repair services, or other personal consumer reports

What they have reported : i was late on a payment & the loan was not paid in full. 

i was never late on a payment, I paid the full loan balance off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This company did not even give Me a chance to pay. Three people signed our lease agreement, our father just cosigned. The bill in question was always going to be paid but we never got a bill, yesterday Our father was served with an intent to file, even though we are the actual signees, and they will not allow us to even set up a payment plan. Our father speaks broken english but has assets, and they are trying to take advantage of him and scare him into paying them in full by making him think he will lose everything if he doesnt cut them a check in full for our bill. These people are preying on someone who they know doesnt fully understand the situation.
Product: Debt collection

My entire federal income tax refund of {$930.00} was garnished after after the law was placed to stop garnishment because of the economic crisis the pandemic has caused. I received a letter from the education department explaining the new law and they still garnished my tax refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax for their continuous violations of several federal laws that are designed to protect consumers like me. These laws include 15 USC 1681 section 602a, which mandates that credit reporting agencies maintain accurate consumer information ; 15 USC 6801, which establishes privacy and security standards for consumer financial information ; 15 USC 1681 section 604a section 2, requiring a reasonable investigation of consumer disputes ; 15 USC 6802 ( b ) ( c ), which demands comprehensive information security programs ; 15 USC 1681C ( a ) ( 5 ), prohibiting the reporting of outdated information ; 15 U.S. Code 1681s2 ( A ) ( 1 ) A, outlining responsibilities in investigating and correcting inaccurate information ; 15 U.S. Code 1681e, requiring accurate reporting of credit information ; and 12 CFR 1016.7, mandating a reasonable investigation of disputes within 30 days. Despite my attempts to address the inaccuracies on my credit report, Equifax has failed to take appropriate action to rectify the situation or comply with these federal laws. I request that the Consumer Financial Protection Bureau conducts a thorough investigation and holds Equifax accountable for their unlawful practices, including the removal of inaccurate information and appropriate penalties for their violations.
Product: Debt collection

This debt is from a remaining balance on an apartment I was forced to move out of because I was a victim of XXXX XXXXXXXX in XX/XX/XXXX, my lease was up in XX/XX/XXXX. XXXX parties remained in the apartment and later downgraded after I was long gone. They forged my signature/name on XXXX the documents the collections company is providing as " evidence. '' It is now XX/XX/XXXX I was informed of nothing until about a month ago over a year after I moved out. I have continuously tried to get this debt removed and explain the situation and I am being ignored. The debt company keeps sending me letters and saying I'm missing payments when I have never even spoke to them, they won't leave me alone. Furthermore, this debt was removed off my credit once, then put back on which is also wrong. 

I urge you to remove this debt immediately it is not mine, I can not be forced to pay for an apartment I was no longer living in. I'm currently not contacting the debt collector.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and XXXX noticed this problem on my credit report on XX/XX/year>. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report
Product: Credit reporting or other personal consumer reports

It refuses to delete outdated addresses, phone numbers, and other information.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This information had been successfully removed but the previous company of this alleged debt sold this to a new company.
Product: Debt collection

i noticed on my credit report that i owe {$230.00} to XXXX XXXX XXXX ; however, i never received anything in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this account. I asked that it may be removed. 

Avio Credit Inquiry date : XX/XX/2022 I have no knowledge of this inquiry. I disputed it and asked that it be removed, XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this and asked that it may be removed. 

XXXX XXXX Bank. 
XXXX date : XX/XX/2022 I disputed it and have no knowledge, I ask that it be remove from my credit report. 

XXXX XXXX File : XXXX XXXX XXXX Inquiry Date : XXXX XX/XX/2022 I have no knowledge of this inquiry and asked that it may be removed from my credit report. 

XXXX XXXX Account : XXXX Reporting 17 Late payments Actions taking : writing goodwill letters that I was strongly impacted by the coronavirus. I lost my job. And was also XXXX. I offered medical records. 
L
Product: Credit card or prepaid card

To whom it may concern, I reported my card as lost/stolen around mid XXXX. I have declared a few charges as unauthorized, and have signed an affidavit of fraud, upon bank 's request ( please see attached ). A police report # XXXX has also been filed with the XXXX Police Department, regarding these transactions. 

On XX/XX/XXXX and XX/XX/XXXX, the bank denied my claim stating all these transactions are valid. 

First of all, I would like to state that I still consider this dispute unresolved, and disagree with the bank 's decision. I will not pay any of the disputed portion of my credit card bill, and in reporting of my balance onto credit bureaus, I, hereby, request that they mention " consumer disputes this account 's information ''. 

Secondly, according to Reg Z, the bank must provide me with an EXPLANATION that sets forth the REASONS for which they believe these transactions are valid. In the letters sent to me by the bank, I have not been provided with any explanation. All I have been told is that these transactions have been determined to be valid. They have also failed to mention on the letter that I am entitled to a copy of the documentary evidence used by the bank in this determination. 

According to Reg Z, I must be provided with the DOCUMENTARY EVIDENCE used by the bank in reaching their conclusion. Please consider this my notice in writing for these documents to be provided to me. Refusal by the bank and ignoring of my request is a direct violation of Reg Z and the truth in lending act. 

I consider this letter, the bank 's last chance in resolving this matter amicably. Failure to do so, will result in my attorney filing a complaint against City National Bank for violation of the truth in lending act in refusal to provide me with explanation as to why they believe these charges are valid, lack of mentioning the part that I am entitled to a copy of the documentary evidence used by the bank in reaching their conclusion in their final letter regarding the status of the claim, and lastly, refusal to provide me with the documentary evidence used by the bank in reaching their conclusion that I have made a request for, multiple times in writing, including in this letter. 

Thank you for your time and consideration, Sincerely, XXXX XXXX CNB XXXX # XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX, Fl XXXX XXXX WESTLAKE FINANCIAL COMPANY XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX DEAR WESTLAKE FINANCIAL COMPANY, I am writing to you today regarding my Auto Loan Account Opened On XXXX which I had while I was in a financial agreement with your company. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to the three credit agencies. 
I take full responsibility for the payment and I Am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative tradeline associated with this account from my three credit reports. 

As soon as I became aware of the balance paid the balance in full. I provided this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I work like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do not recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it may choose from the credit report. Im hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated. 

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

TO WHOM IT MAY CONCERN : In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
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. Account name XXXX CARD : # XXXX, Account name : XXXX # XXXX, Account name : XXXX # 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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the inquiry to be removed XXXX XXXX XXXX XXXX