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

I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the US Small Business Administration ( SBA ) XX/XX/XXXX for {$17000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). This was sent to my personal checking account at Citibank. Citibank subsequently froze my account, eventually stating that it was because the funds were sent from the SBA to a personal account and not a business account, which they considered a sign of fraud. I am a sole proprietor with an EIN through my personal name. Citibank did not alert me that my account was frozen ; I found out because automatic scheduled transfers from the account ( to pay my credit card and myself ) were not working - even though I was still able to deposit funds into the account. They proceeded to cancel my account XX/XX/XXXX. When my account was cancelled, I was mailed a check for the total in my account MINUS the XXXX amount of {$17000.00}. Citibank did not send me any documentation regarding the missing funds ; the XXXX total essentially just disappeared. I received a bank statement for XXXX XXXX XXXX XXXX noting my total funds were withdrawn and that my account was now closed. Since XX/XX/XXXX I have been on a countless phone calls with Citibank to try and figure out where the missing XXXX funds are. I was told the XXXX funds were sent back to the SBA, however the SBA continuously states they have never received the funds. On XX/XX/XXXX, through another call with with the bank, I was told that Citibank still has the funds and that I need to send a " letter of written authority '' asking them to disburse the funds back to sender ( SBA ). I was instructed to send the letter via fax or mail a physical copy. On XX/XX/XXXX, I both faxed and mailed this letter, but have not received any further information since then. I tried calling Citi again today ( XX/XX/XXXX ) after speaking to the SBA, who have yet to receive the funds. I was told that my Citi account has now been " blocked '', since XX/XX/XXXX. I have no information whether Citibank still has the XXXX  funds or if the funds are being sent back to the SBA, and spent over 3 hours on phone calls today trying to find any information but still have no resolution.
Product: Credit reporting or other personal consumer reports

Called Experian on XX/XX/XXXX to have all dispute comments removed from the XXXX accounts. Due to a request from my mortgage lender. I was informed that the process had been completed and I would see the results in XXXX hours. 

I checked my credit report again XX/XX/XXXX. The dispute remarks were not removed. So I called back on XX/XX/XXXX. Went through the process again to have the dispute remarks removed. Again I was told that it would be reflected in XXXX hours. 

I pulled my credit again XX/XX/XXXX and it still was not corrected. I called back on XX/XX/XXXX. They claim that it has been resolved, but can not provide me with documented proof that it is completed. 
after having my call transferred in excess of XXXX different times, and asking to speak to supervisors, I was put onto a line with someone that ended up never speaking and felt like I was on a blank line with nobody present. I sat there for over XXXX minutes without ever being acknowledged again.
Product: Credit reporting or other personal consumer reports

After asking to remove late payments, Ally insists but cant prove any late payments. Their system showed late payments After I made a payment THEY asked for. NOW, XXXX is showing a XX/XX/year>. 30 day late payment????? 
I was denied a Mortgage based on this false Information. 

I need a letter and all late payments removed and a statement showing Ally was wrong. 
This is ridiculous XXXX XXXX
Product: Checking or savings account

Ordered a birthday present from XXXX for {$1000.00} on XX/XX/22 which was to be delivered and the order has yet to be fulfilled. {$430.00} was the amount charged to the Chase card and never refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check this item ( A ). It is unacceptable to list this item as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or a removal of the account on my credit report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to reinvestigate a ford motor credit account that is reporting incorrectly on my credit reports, I have tried in the past to resolve this matter with the institution but they will not report the account correctly, They are reporting a balance of {$10000.00} with a monthly payment of {$0.00}, it is also showing the account status as open when in fact its should be a closed account with a XXXX balance, account rating shows also as charged off/collection, if the account is charged off i would like to request a 1099c for this written off debt, this account has been causing me XXXX XXXX due to the constant incorrect reporting, please thoroughly investigate this with ford and request that they follow the laws, please remove from my credit reports as i have requested in the pass.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

RE : Compliant Against SCA Collections ; Co # XXXX XXXX In the first quarter of the New Year I began credit monitoring on my credit report due to fraudulent activity, during that time I saw a medical Bill reported on my credit report from SCA Collections , Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX NC XXXX. I opened up a dispute with the 3 major credit bureaus and contacted an attorneys office for assistance with the fraudulent accounts. After a few months I received a new alert in XX/XX/XXXX that SCA Collections , Inc. had placed another MEDICAL COLLECTION on my account for the same amount as the collections I was and am disputing. <P/>My demand is that they remove both accounts for the following reasons : 1. The new account posted to my credit report in XX/XX/XXXX has an open date of XX/XX/XXXX which seems to be RE-AGING due to my open compliant for the initial bogus account. ( No other collections from SCA were on my credit report prior to my compliant against them in XX/XX/XXXX ). 2. The new account also seems to be SCA Collections PARKING debt on my credit report without allowing me to dispute the validity of the debt. There were no communications with me nor written statements of a debt that was owed in the amount of {$160.00} 3. How could SCA Collections validate the debt that is not accurate when the original creditor is no longer is business ( I presume from their business practices ). 4. I have attempted to contact SCA Collections with no response, they do not answer the phone. I also had an attorney ask them about what seemed to be RE-AGING my credit debt yet they have refused to respond ( see enclosure ). After no response from SCA Collections , Inc I could not go to the original creditor, XXXX XXXX XXXX for information because the y were no longer in business and could not respond. <P/>respond. I then sent messages and contacted XXXX XXXX XXXX XXXX XXXX who have been my medical insurance provider for the last 11 years. I was informed of the following. 1. The date of service was XX/XX/XXXXand the XX/XX/XXXX ( see enclosed ) and was paid late more than 3 months later by them. Per the information attached I demand that SCA Collections REMOVE THESE TWO ACCOUNTS from my credit report for the following reasons. 1. The information reported by a collections company must be accurate or REMOVED per the FCRA. The information provided by SCA Collections in not accurate per the documents attached they have reported that my Date of Delinquency on the account was and is the actual date of service per the attached documents. The DOFD ( date of first delinquency ) submitted by the original creditor can not be changed by SCA Collections. 2. SCA Collections , Inc. purposely PARKED the inaccurate collection debt on my credit report as retaliation for disputing the initial XX/XX/XXXX {$160.00} collection debt as inaccurate. 3. SCA Collections , Inc. did not provided ample time for me to respond to them that this was inaccurate and the proof that the insurance company provides proves this was and is inaccurate. 4. SCA Collections , Inc. has refused to respond to both verbal and written communication.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the past five business days, beginning with Friday, XX/XX/2021, I have attempted to contact Mr. Cooper Lending regarding inaccurate property tax payment details for my upcoming property tax payment due in XXXX. There are significant deficiencies with the escrow data that may lead to an incorrect payment, or lead to the lack of receipt by my municipality. 

I have submitted daily inquires, including the uploading of my property tax bill, via Mr. Cooper 's secure online message portal. I have left voice mail messages, and I have submitted email inquiries to Mr. Cooper 's escrow team, all of which have gone unanswered. It is not so much the character of the customer service that causes concern, as much as it is a complete lack of discernible customer service whatsoever. The apparent inability to communicate with Mr. Cooper regarding a proactive borrower 's escrow concerns borders on an abrogation of its regulatory requirements.
Product: Mortgage

I attempted to file this with the FTC, but they kept kicking me over to you. I do not have a mortgage with them. this is about deceptive advertising. I'm a XXXX XXXX XXXX and would like to file a complaint against the deceptive advertising of NewDay USA mortgage company. They are advertising for a cash-out Refinance, get {$60000.00} cash-out and also reduce your monthly mortgage payment by {$600.00}. This is impossible. Especially with the higher rates, and adding in another XXXX  XXXX fee charge. Just a bait and switch tactic The ads run daily on TV and on their website. 

It's a sad day when a veteran owned company ( that's what they also advertise ) takes advantage of our XXXX XXXX military and veterans. Their lives are already hard enough without being taken advantage of by a mortgage company. VA foreclosures are high enough without this kind of nonsense. This is just setting up failure! 

hXXXX XXXX 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

THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXXXXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

1st complaint XX/XX/2022, numerous requests for help. My accounts were taken over by the same person on XX/XX/2022! 
BoA FINALLY decided to refund the funds stolen from my checking & savings accounts but cant connect the dots that the XXXX XXXX XXXX XXXX  to himself is the SAME perpetrator that stole from my other XXXX accounts. 
Now they want ME to pay the bill!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX 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 1692b acquisition of location information by debt collectors.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App Block , Inc. Due to inadequate customer service and unfair practices, which violates 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 solution requirements under the Electronic Fund Transfer Act EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I am 1 payment away from partial loan discharge. I submitted a request on XX/XX/XXXX and was given a timeframe of 45 days. Below is a transcript of a chat I just had with customer service. I have been told it was " escalated '' twice in the past month. The agent today stated they are waiting for other parties to submit information ; this is not true. There are no other parties. They then ended the chat when I questioned this. 


Chat started at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXXXXXX XXXX  When you submit a Request for Reconsideration you will be notified via email. You can not check the status of the request. 
XXXX XXXXXXXX XXXX XXXXt doesnt reflect on my dashboard. i did a chat here XXXX weeks ago and was told it had been escalated. 

Are you using a XXXX XXXX browser with all other windows/tabs closed? 
XXXX Yes XXXX XXXX  I can see other activity XXXX XXXX  Can you check the status of my application? 
XXXX XXXX  Could you please provide me with your complete date of birth and Social Security number? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, Your case has been Escalated and is Waiting on additional Information to complete the Review. 
XXXX XXXX XXXX  Is there a timeline for this process? 
Unfortunately, no. 
XXXX I havent been contacted for additional information. 

XXXX XXXX  the information is not needed from you. All parties will need to respond. 
XXXX XXXX XXXX  What party are we waiting on? 

Thank you for chatting with us today. For your reference, your case number is XXXX. You may receive an email with a survey link in which you will be asked to provide feedback regarding your experience today. For further assistance, submit your inquiry via the Contact Us form at XXXX XXXX XXXX
Product: Debt collection

Debt collector McNeils Pappas PC I received a letter to appear in court XX/XX/XXXX at XXXX oclock. I showed up and at the end the judge asked why I was there and I showed him the letter debt collector, Judge told me I didnt need to be there because they didnt file it right, And they never showed up .They are saying I owe {$14000.00} on a date to XXXX XXXX XXXX . This is where I bank they hold the note to my house. XXXX I made a report with the federal trade commission FTC # XXXX and police report. 
I dispute it with my bank XXXX XXXX XXXX XXXX but they would not do anything. I had other fraudulent charges that Ive been taking care of. But this is the one thats going to collections and threatens to sue.
Product: Debt collection

This debt was deleted from my credit report previously and now they have placed it back on there
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Tried to resolve issue with the credit collection agency for which I have never entered into any type of agreement/arrangement for them to charge me or take any action against me for the false charges they trying to collect third hand. Moreover, these are charges are for my son and they are trying to assess them to me!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Product: Student loan

I owe a little over 5,000 to navient and I 'm struggling paying the payment right now and I ca n't seem to come to an agreement with them
Product: Credit reporting or other personal consumer reports

They, Citibank ( " XXXX '' ) Sears Card Shop Your Way Mastercard, refuse to stop reporting me as late in payments, as of XX/XX/2023, when they broke our original payment agreement of XXXX payments @ {$300.00}. They consistently state they are not servicing the account, nor are they supplying false/defamatory/negative information about my payments to them that they are accusing me of being late with, as of XX/XX/2023. They have sold this account to 3 different 3rd party collectors. Those people say they do not report me to the credit reporting companies. Citibank says they're not reporting me either, yet they accuse me, verbally, of being late by going by their procedures to cancel a monthly payment in letters they sent me, and now have the audacity to turn around and report me as late. I never was notified prior to XXXX XXXX I was " late '' in a communication from their 3rd 3rd party collector, which I am going to pay off the remaining balance tomorrow, XXXX, XXXX ; in the amount of {$570.00}. Citi claims I never made an agreement w/them to make XXXX pymnts. @ $ XXXX.