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

On XX/XX/XXXX, CitiBank terminated my checking account, which resulted in complications regarding my XXXX XXXX XXXX. Despite the deposit of my XXXX XXXX  check into this account, the bank refused to disburse the funds to me. 

On XX/XX/XXXX, I had a personal meeting with XXXX XXXX, the XXXX XXXX of CitiBank, to discuss the ongoing issue of not receiving my XXXX XXXX check. During our meeting, XXXX XXXX contacted customer service, but the resolution provided was unfavorable to my situation. Consequently, I have faced significant financial difficulties due to CitiBank 's refusal to release my XXXX XXXX funds, leaving me unable to pay my bills. 

After an agonizing 4 months, and threats, I was able to receive my XXXX XXXX check, on XX/XX/XXXX.
Product: Debt collection

New account just showed up on my credit report from : Account Number : XXXX LOCKHART MORRIS & MONTGO Other Collection Agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I do not owe this debt, I have never opened up an account with them, they stated it was a medical debt from over XXXX years ago.
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit card

Unbeknown to me my Bank of America credit card company Enrolled me in automatic payments Without my knowledge or consent and set Monthly payments to pay off the entire amount of The credit card balance each monthly payment cycle ( {$2000.00} ) starting XXXX and has continued doing so each month since. I have contacted their customer service representatives each time this happens to try to correct the issue after lengthy conversations. They did not make me aware that I was somehow enrolled in automatic payments until after XXXX and after doing so they assured me that they would ( A ) correct the problem ( B ) refund my money and ( C ) retract the negative credit report issued the the major credit agencies. So far, they have not taken any action to remedy this problem whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, a federally protected consumer and natural person. I am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX. XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

There are late payments on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Mortgage

RCS Recovery Services LLC is reporting an account that is past the FCRA retention time associated with the account.
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union concerning multiple overdraft fees applied to my account. These fees were charged despite having sufficient funds at the time the transactions were authorized, due to delays in the posting of charges and credits. This issue appears consistent with recent CFPB findings regarding Navy Federals practices, where transactions were settled with insufficient balances despite funds being available when initially authorized. I believe these practices are unfair and request a thorough investigation into my account transactions.
Product: Debt collection

I have contacted the credit reporting agency to explain that the dates listed on this collection are invalid, I opened this account in XXXX this means that it is time for this account to be taken off of my credit report. Also the collection agency never sent me any information for me to verify the debt and the dates the debt incurred. I would like to have this account removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

WE applied to refinance our mortgage with Better. We both had excellent credit scores and had loan to value ratios of 50 % or better according to all of the online valuation sites. Everything was going along smoothly until Better decided to have the home appraised. We received a conditional appraised ratio that had us at 40 % loan to value, but the appraiser noted that we were in the process of building a pool. We had informed the appraiser and Better that this was the case, but the pool would not be finished by the closing date. Things quickly turned with our broker at this point. XXXX XXXX NMLS : XXXX. Mr. XXXX began to threaten our loan all of the sudden. He gave us unrealistic deadlines for new paperwork and when questioned, he admitted they were not due on his threatened date, that he did so to give us impetus to get it back to him. He also quit returning calls and was constantly unavailable and would only respond to emails. At one point, after avoiding three calls in one day, he sent out an email, 30 minutes after close of business, telling us we must have something new completed in less than 24 hours. After jumping thrpough all of their rings, they used the unfinished pool as a way of not closing our loan. We are now out {$550.00} for the appraisal, of which Better retains {$100.00} for pure profit, and have had our credit rating lowered by their multiple inquiries. 

Please help.
Product: Credit reporting or other personal consumer reports

I signed up for this program to build up my credit in which I would so fund my account around {$25.00} a month. I have contacted them and told them I did not want to use their service no more they continue to have this account on my credit even applied late fees and raise the amount of so-called funding. I have never had an account where I borrowed money from this company and I do not owe them any money and I could not be late because I never had any payment plan with them. I have asked him several times to remove it from my credit report and said they have had put two accounts on my account. This is fraud and I want to remove from my credit report completely I owe them nothing I have no contract with them and this should be legal
Product: Credit card or prepaid card

I hope all is well.. 
Im not for sure why my credit limit was lower it was over {$2000.00} and now its a {$700.00}. I was a little late due to the pandemic but thats not my fault. I explain that to them. They wont tell me why it was lowered but thats the only reason I can think of. I need my limit put back to were it was. Its a pandemic and my credit limit should not of been lowered at all. Thank you for your time. Have a wonderful day.
Product: Debt collection

Tried to resolve issue with company which demand s money for numerous charges! After this attempt company repeatedly reported multiple bills on credit report constantly within a month time period to keep knocking score down! Just keep updating constantly! Company name : wakefield! Four different amounts : {$200.00} {$340.00} {$650.00} {$310.00} And they just keep adding! When calling to talk they just demand money
Product: Debt collection

EOS CCA is has reported a collection account on my credit which has severely impacted my scores and my ability to obtain decent housing. I was informed that my scores dropped and I was no longer eligible for a housing grant. EOS CCA is collecting for a XXXX XXXX bill from XX/XX/XXXX or XX/XX/XXXX but they list the account as opening in XX/XX/XXXX which is incorrect and impacts my scores more than if it was accurately reported. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX states that credit should be reported accurately and if it is not the reporting creditor may be subject to damages. This is also a violation of FCRA Section 605 ( c ). 
When I discovered this collection account I asked EOS CCA to remove the account because 1- I do not believe I owe this debt and have previously made XXXX aware of this, 2- I believe this account is past the statute of limitations. XXXX is aware of the disputed account and EOS CCA has never attempted to validate the debt since I learned of it. I have not received anything from them since. They have refused to validate the debt. They never attempted to validate the debt before reporting it as I have lived at the same address for many years. This is a violation of FDCPA FDCPA Section 809 ( b ) and the FTC opinion letter from XXXX.
Product: Vehicle loan or lease

On XX/XX/2021 submitted a requested to compare auto loan rates on Lending Tree with the promise it would not effect my credit or credit score. After this I received email alerts showing a hard pull on my credit from XXXX of XXXX. I also received calls and emails from said dealership. I contacted XXXX of XXXX and asked why they ran my credit. They told me Lending Tree provided the permission to run my credit and that multiple dealerships have been given permission as well. I called Lending Tree, they said they could do this even though their website promised not to. They stated that the information was in the fine print at the bottom of the " submit '' page. What both of these companies did was immoral and illegal, I gave no one express permission to run hard inquiry on my credit. Lending Tree 's website is extremely misleading and untruthful. 

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

In accordance with the fair credit reporting act the following accounts have violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX 15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, I XXXX XXXX XXXX have tried two-time XXXX & XXXX to get my personal information correct but Experian refuse to remove an address that's not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have sent in information showing my correctly address where I can be reached and where I have responsibilities at. Experian just keep violating my right to have my personal showing correct ( it is not my home ) to keep identity theft down, please delete this address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Report Number XXXX XXXX XXXX Account number XXXX Account type Mortgage Responsibility I have asked Experian to fix this account numerous times. They always come back verified yet I recieve no information on who verified tge account, what is their contact information, how did they verify my payment history. The account is not accurate and I have a right under the FCRA to an accurate report.
Product: Bank account or service

I had signed up for paypal unaware I was going to have a hard credit check. I just signed up for XXXX and see that they pulled my credit information without my knowledge or asking for my ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute on XX/XX/2021, concerning several accounts that reported false information. And on XXXX XXXX XXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}XXXX {$81.00}, {$2700.00} which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA a credit reporting agency should not report on a file while it's under investigation. XXXX XXXX XXXX is under investigation as I filed a complaint on it via CFPB complaint I'd # XXXX. Also according to TransUnion when it comes to this file it says my highest balance is XXXX, my monthly payment is XXXX and the terms are for 0 months. So how are they reporting that this account is open with a balance it doesn't make sense. I have included a sceenshot of this as well
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX  and XXXX and XXXX  letters to valdated and debt with an debt collector no ones reponded
Product: Debt collection

DISPUTE/XXXX I leased a phone with XXXX company in early XX/XX/XXXX from an agency in XXXX XXXX, Washington, XXXX. The agency told me that I could return the phone if I was not satisfied. I was not satisfied and so I returned the phone before the expiry of the given 14 days. I was charged XXXX dollars as restocking fees. I received a bill in XX/XX/XXXX of XXXX dollars. I disputed that reminding them that I had returned the phone and even provided them with a receipt number of my payment.They promised to look into the issue but instead of resolving it I continued to receive more bills which so far have amounted to XXXX dollars. The Diversified consultants took me to debt collectors on XX/XX/XXXX. I wrote to the consultants on XXXX thru XXXX XXXX firm but I have not received any feed back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started disputing errors, omissions, and inconsistencies on my credit reports on all 3 major credit bureaus. I know Barclay 's received my disputes because of XXXX After 45 days, I noticed my disputes were ignored, and not even marked in dispute. I disputed the account again though the credit bureaus, and with Barclay 's directly. While one or 2 of the items I disputed were modified, the credit reporting is still loaded with errors. After consulting with a professional, I decided to file for arbitration against Barclays in XXXX. It is now XXXX, and other than their attorney introducing themselves, no action or communication has happened. Even now, I am willing to resolve the matter if they would simply communicate with my authorized representative.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service. and unfair practices, which violate the Consumer 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.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I visited location after receiving a bill. Employee, told me that I had purchased a tablet on my account. I never purchased a tablet, then he said it was a lab top, I never purchased a lab top. He did not show me the alleged receipt or my signature for this item. I made numerous telephone calls to XXXX, I was treated badly, left on hold for hours. Desperate I contacted the XXXX, as a result a man who stated he was from XXXX called me, tried to speak to him, but he was threating me, he was very nasty and rude. Never heard from him again. As a result they placed on collections for XXXX something I do not owe. I disputed this item on my credit report 3 times already, it was removed deleted all 3 times. However it was placed on my credit report again. I contacted the collection agency, AFNI, INC XXXX. XXXX XXXX XXXX, IL XXXX, spoke with XXXX, explained this collection is not accurate not mine, it has been removed and deleted 3 times. She was very stern and short, accused me of not contacting the police for identity theft. I told her I contacted the XXXX, after I tried to resolve with XXXX. She said she didn't care, this item was not sold to the collection agency, she stated it belongs to XXXX, and they can do what ever they want! She also threatened me by saying it was going to start being on my credit for 7 years. I told her that I was going to contact you the CFPB and she stated " you can contact who ever you want, but until you have a police report there is nothing you can do. She demanded that I provide them with a police report, wanted my home address and telephone number. She stated she would mail me paperwork to fill out and an affidavit. I currently live with someone who is battling XXXX, I'm limited to time, and the outside public exposure, I'm desperate these people wont leave me alone. I'm really hoping you can help me. I also contacted XXXX  to let them know they helped me dispute this item in the past, they know this item needs to be deleted. Why is it still in my credit report? I filled out a dispute with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding discrepancies and violations found in my credit reports provided by credit bureaus ( XXXX, Experian, XXXX ). The inaccuracies detailed below have significantly impacted my financial standing and have caused undue distress. I request your assistance in resolving these issues with the respective companies involved. 

Discrepancies Related to Credit Acceptance : XXXX, Experian, XXXX : Misreported Payment Status : The account inaccurately reports late payments of over 180 days, violating FCRA regulations ( USC Title 15 1681a ).

Incorrect Dates : The reported dates for account opening and charge-off are inaccurate.

Inaccurate High Balance : Discrepancies exist in the reported high balance, impacting the accuracy of my credit report.

Violation of FCRA : The inaccuracies outlined above constitute violations of the Fair Credit Reporting Act ( FCRA ), including misreported payment statuses and failure to investigate disputes promptly ( USC Title 15 1681s-2 ( a ), USC Title 15 1666b ).

Damages : Emotional distress, pain and suffering, discrimination, and loss of trust and creditworthiness have been experienced due to these inaccuracies.

Request for Investigation : I request a thorough investigation into these discrepancies and violations in accordance with the FCRA. Please provide updates on the progress of this dispute until fully resolved.

Legal References : Various provisions of federal law, including USC Title 15 1681a ( 2 ) ( i ), USC Title 15 1681b, USC Title 15 6801-6802 , USC Title 15 1611 , USC Title 15 1691 ( a ) , USC Title 15 1692a ( 2 ), and the Consumer Credit Protection Act, support my claim of violations and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year 2020 I filed disputes with Equifax, XXXX  and XXXX  I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.