23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Sir, Citizens Bank Did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records and statements. Also, they printed my contact details of phone number wrongly in the response. Also, they added wrong title before my last name in the interim response of Citizens Bank. All my salaries getting deposited to my individual check-in account at Citizens Bank, which are associated to my name, social, name, address and various identification details. Still, Citizens Bank mentioning the title of last name, phone details and various details wrongly in the consumer finance bureau complaint 's response. Citizens Bank intentionally causing troubles to customers and committing fraudulent activities. Citizens Bank mentioned in the response that they would deduct money from my account if account number and routing number given to them by anybody and also there is no value and verification of Authorized checks. Whats the point in giving Authorized Checks and does not give the accurate details of checks to customer if citizens bank does not verify the checks, signatures, various authorized details. Lawfirm confirmed that they correctly deposited the checks XXXX/XXXX in the Bank and Department of Homeland security correctly deposited the checks.Citizens Bank holds the complete legal accountability and responsibility for tampering the check images and numbers in the account statements, manipulating my individual account transactions and various fraudulent activities related to my individual check-in account. Could you kindly direct citizens bank to issue the official letter with corrections of my title, phone number, check clearance records are missing in the Bank Statements, legal terms and conditions for check clearance without even verifying my signatures of my checks and various identification details. Also, I need official letter to proceed with federal officers and Department of Homeland Security. I need to contact Federal Law Enforcement with official complaint by attaching my original checks and immigration procedures and concerned documents. Could you kindly direct citizens bank to response to my complaint in 5 to 7 days. Citizens Bank holds the complete legal accountability and responsibility at Immigration Fraud department if someone claims these checks and gain any immigration benefit using my identification.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$330000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent money and before I could spend it my phone and my wallet were stolen. The alerts display on my phone how much money I have in my account. I was able to get my phone back through find my XXXX but my cards were not recovered. I called chime a month later about the transactions due to being out of the country. The claim was denied two hours later saying no error occurred. I tried explaining that I did not have my phone or my card but they never took that in account.
Product: Bank account or service

Western Union has the worst money order refund process. It is very long/protracted, against normal intuition, and does not allow an efficient refund. In addition to this, they have discriminated against me as a XXXX person, decreasing the amount I am due although I have been in and out of the hospital since 2013. 

I have had a pending refund request for the last 4 years. I have sent the requested documentation and complete information both through snail mail twice and fax a grand total of three times. Managers named XXXX, XXXX, and countless representatives have failed to produce the desired effects of a simple money order refund. For any new information regarding the refund it takes 2-3 business days. I have had to hound the team receiving calls at XXXX XXXX XXXX XXXX XXXX to do their job. The team has dropped my calls, flat out ignored me, talked over me, and denied that I have sent documentation on several occasions. In the last communication, XXXX told me that she received paperwork, and she can not issue the refund to my New York address because the forms were incomplete. I have heavy time stamped documentation showing complete high resolution faxes were received at XXXX XXXX XXXX XXXX XXXX. I have had a college professor, lawyer, and doctor review my paperwork in my building to verify it is done correctly and completely. 

Western Union has fraudulently withheld my refund and has been deceitful through from start to finish. I have been scammed out of funds that were to pay for medications necessary to keep a XXXX person alive. 

If that is not wrong, I do not know what is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. Child support is reported with 3 late payments which is impossible as it is taken right out of my check. The child support is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. Child support should be effecting my credit bureau like it is. I trust u understand. Thank you
Product: Payday loan, title loan, or personal loan

I was in the hospital for the end of XXXX and XXXX and unable to put money into my account. Ive been trying to make payments using a different bank account but it keeps attempting to take it out of my other account. It is now negatively reporting on my credit because this issue hasnt been fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I moved in XXXX of 2024 and tried to return equipment to XXXX who refused return of equipment. 
On XX/XX/year> XXXX charged my account {$100.00} due to alleged unreturned cable modem. I disputed that with my credit card company. XXXX failed to provide support or address dispute with Credit card company. 

I was able to return equipment on XX/XX/year> and obtained receipt for returned equipment ( uploaded as evidence ). 

Instead of confirming receipt of equipment and no balance owed, XXXX charged my credit card again with a higher amount on XX/XX/year> for {$120.00} because I disputed the original amount with my credit card. 

I disputed the second charge again with my credit card and again, XXXX failed to provide support for amount owed. XXXX then tried charging another {$140.00} because I disputed the original amounts then sent the amount to debt collection agency. 

I provided receipt of returned equipment and advised I owed {$0.00} to XXXX to debt collection agency ( credit collection service ). They failed to provide support or basis for any alleged amount owed. They disregarded my information provided/request for additional information in XXXX of 2024. They then reported unpaid debt in collections anyway, despite the debt not being legitimately owed. 

XXXX to this day acknowledges {$0.00} owed but still has debt in collections and collections agency refuses to update credit report.
Product: Mortgage

On XX/XX/2016 Ditech , my current mortgage company, processed my payment that was Due on XX/XX/2016 for {$1000.00}. The check had been written for {$1400.00} in the number box but on the written line I inadvertently written in XXXX XXXX XXXX XXXX XXXX XXXX. Ditech then informed via telephone that I was overdue on my XXXX payment on XXXX XXXX. I checked on my credit union web site and saw ditech had processed my check and recieved payment for the XXXX payment on XXXX XXXX. It was then that it was discovered that Ditech processed the payment for the amount written in the line.The Ditech customer service Representative claimed that Ditech processes checks for the amount written on the line not what is in the numerical box. I was directed to submit a check for {$400.00}, which I did, and that check was processed on XXXX XXXX. I had also sent my for XXXX 2016 the same day without a remittance coupon because Ditech did n't send out on because they were showing non payment for XXXX. The XXXX payment check was Processed on XXXX XXXX, 2016. Ditech then called XX/XX/XXXX asking if I was going to send a payment for XXXX. While I was on the phone with Ditech I checked with my credit union and the XXXX payment had been paid on XXXX XXXX. The Ditech Customer service representative said there was nothing they could do and I needed to send payment. At this point I requested a supervisor and gotten transferred to XXXX at ext XXXX and have only had her working on getting my account straight. On XXXX XXXX I submitted a check for the XXXX payment with absolute scribble written in the amount line and the correct amount written in the numerical box. My credit union processed that check after Ditech took it upon themselves to print in {$1400.00} on the written line and process that check in direct violaton of what I was told several timesof thier policy. I have been trying to get my account properly credited with Ditech through the customer service center to no avail I need help getting this mess straightened out before Ditech processes me for foreclosure.
Product: Mortgage

Dear CFPB I have requested from Roundpoint Mortgage Servicing Corporation [ RPMS ] an audit of all credits and debits to include new monies in the amount of {$21000.00} added after the loan modification. I have made this request on several occasions dating as far back as XX/XX/XXXX. RPMS finally replied on XX/XX/XXXX, but RPMS continues to refuse to account for new monies in the amount of {$21000.00} added after the loan modification with XXXX XXXX   was approved. 
I have been in discussions with XXXX XXXX, employee initials XXXX, at XXXX XXXX. XXXX XXXX was the original loan initiator on XX/XX/XXXX and XXXX XXXX   stated that ALL information pertaining to this loan was transferred to RPMS. 

Here is a recap : *Original loan date and amount XX/XX/XXXX {$410000.00} *12 month forbearance period ( XX/XX/XXXX ) with XX/XX/XXXX *Loan modification approved after 12 month period by XXXX XXXX *Loan transferred to RPMS at the end of the forbearance period on XX/XX/XXXX * {$10000.00} paid during forbearance period at $ XXXX/month *Interest paid for XX/XX/XXXX was {$12000.00} *Interest paid for XX/XX/XXXX was {$6300.00} *Loan balance when transferred to RPMS was {$400000.00} *New money in the amount of {$21000.00} added after XX/XX/XXXX *Current Principal balance {$32000.00} ( I have paid off more than 90 % of the principal amount ) Amount in dispute {$21000.00} plus interest Quick math : *The forbearance period was 12 months *One years interest is approximately {$12000.00} ( XX/XX/XXXX ) *The interest paid in XX/XX/XXXX was {$6300.00} *Roughly {$6400.00} in past due interest *Late fees and penalties waived by XXXX XXXX during the forbearance period The attached documents from XXXX XXXX will confirm the quick math and do not show a {$21000.00} in `` delinquent interest ''. 

In the letter dated XX/XX/XXXX, XXXX XXXX XXXX, RPMS SR Vice President, response states it is delinquent interest but refuses to provide a detail audit of this amount in addition to all payments received during the forbearance period. I have been requesting this audit since XX/XX/XXXX. I understand my signature is on the loan modification documents but RPMS still has to give me a detailed audit of the {$21000.00}. I noticed this amount shortly after I signed the loan modification documents and questioned it immediately there of back in XX/XX/XXXX to which I was told it would be corrected. 
Understand that {$21000.00} plus interest is a large amount which a homeowner would not ignore ; much less a questionable practice like this one from a financial institution.

My attempts with RPMS to correct this issue have been in vain. RPMS shows it's arrogance by refusing to provide a detailed audit of these so called " delinquent interest '' and all payments received.

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

On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and Transunion credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Product: Credit card or prepaid card

JPMCB CARD XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date open XX/XX/XXXX Charge-off XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} JPMCB CARD has committed Securities Fraud against me and has take Securities against on me without my consent. JPMCB CARD has stolen my Identity and taken Securities against my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXX XXXX  bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX.Has violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

i have an active account with Paypal.com to collect rent every month. in XXXX, there is a XXXX charge on the XXXX, and there are two deposits of rent, one transfer ( which i made ) but now i can not access my account. I have tried sending emails and texts to every known address. no one has contacted me, even by text. last month, there was a breach of my credit card and i think it may be related. XXXX has tried to get info from me regarding my address etc. and i refused. i think it needs looking into. at the very least, someone needs to call me, which i have requested many times.
Product: Debt collection

On XX/XX/XXXX I was shocked to discover a collection account on my credit report from Stellar Recovery Inc in the amount of {$100.00}. The original creditor listed is XXXX, an internet service provider I had business with earlier in the year at a prior address. XXXX continued internet service past the date services where to discontinue do to me moving. Furthermore, they continued to bill me for this service without ever sending me a new invoice for the charges. I never received any written communication from either XXXX nor Stellar Recovery Inc. indicating I had this balance due. Today, XX/XX/XXXX, I called and spoke with XXXX XXXX at Stellar Recovery. Despite confirming they have my correct address, he advised that they are unable to provide me with any copies/proof that any dunning letter was ever sent to me informing me of these charges. This is unacceptable. A collection company can not report a collection to the credit reporting bureaus without first sending a dunning letter advising someone their is a claim against them. Furthermore, Stellar is refusing to acknowledge their mistake and remove this bogus collection account ( even when I offered to pay the full amount they claim I owe ).
Product: Prepaid card

RushCard pre-paid debit cards had an update that was told to its customers in an email would only last five hours and be over XXXX on XX/XX/2015-Now we can not get on their website, call them, or contact them. Everything stopped working. Today is XXXX/XXXX/15 and its my payday and my funds are n't on my card. I was able to finally get through last night and the representative told me my direct deposit was pending and it would be placed on my card within 1-2 hours. Its the next day and nothing, phone hangs up or is silent when you call.
Product: Prepaid card

XXXX sent me {$1400.00} for a contract buyout in XXXX. I didn't receive the card and had to reorder the card. I received the card sometime later ( unsure of when ; approximately a month later ). My card was lost and I didn't have access to the account online as I needed the information on the card. The card expired XX/XX/2023, I found the card and called Bank of America at the beginning of XXXX and reordered a new card. I received the new card, activated it and went to log in but was unable to because of login credentials. I asked for the balance and was told it was {$0.00}. I asked why, I was told it was because the funds were forfeited because I didn't use by the expiration date. I was never notified nor warned of this " policy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect accounts are reporting on my credit report XXXX XXXX XXXX  XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So ive been hearing about how the reporting agencies aren't in compliance with Fair Reporting Rules and regulations. So, I investigated my report and sure enough there in black and white several errors and violations were there, so I begin to challenge the accuracy and completeness of their reporting of my Consumer report and all three agencies returned me verified and accurate accounts when they clearly investigated nothing. Everything that is violating my rights on my consumer report when i first started investigating is still on my report i have the documented proof letters and us postal certified mail that I've been requesting the correcting or removal of these violations for over 60 days now and the agencies continue to return accurate and complete information on my consumer report. 
1. Account XXXX is reporting three different account numbers, three different last date of payment, three different last day of account activity. 
2. XXXX child support is also reporting three different account numbers, three different a account status account also reporting after the case was dismissed and no fault found 3. XXXX XXXX is also reporting same wrong account numbers i attached files for proof
Product: Credit reporting or other personal consumer reports

I am writing this in good faith. The items listed are HARD INQUIRIES on my credit profile/report. None are connected to an open account, and are having a negative effect on my ability to secure credit. I would like them removed from all three of my credit profiles with the following credit reporting agencies : XXXX, XXXX and Experian. Thank you. 

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

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020