23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have open case numbers # XXXX and # XXXX. XXXX XXXX Team Lead responded and says she had no record of a complaint and I have complained multiple times. XXXX XXXX also said she would stop all further calls and letters and collection attempts and we no received XXXX more letters since her response and calls. I am submitting the letters and envelopes with dates showing they have not stopped.
Product: Vehicle loan or lease

There was a Derogatory mark added to my credit with no warning or no payment plan sent to me to take care of my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute erroneous accounts with the credit bureaus but have received zero responses from XXXX XXXX, and TransUnion. Under the Fair Credit Reporting Act, lack of response to serious disputes is a violation and the accounts listed in the disputes should be removed off of the credit reports. I have attached the most recent letters sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a loan account under a open end consumer credit plan as late for any purpose
Product: Checking or savings account

I have XXXX accounts with Citi Bank. XXXX is a business account and the other a personal account. I received a check from a client for the sum of {$2000.00} ; the check was cleared after some days and I proceeded to utilize some of the funds for business transactions. Today I tried to log into and access my account I saw that I could not view my account online and also same for my business line. I called citi and asked why and they stated that they restricted my business ( LLC ) and personal accounts because of the delay in verifying the check I paid in. I told them I do not have a problem restricting my business account but on what right is my personal account being restricted. They stated that the reason for this restriction is that in case they are not able to clear the business check and my account goes into overdraft, they will need to pull money out of my personal account to clear the deficit. I challenged this reasons for illegality because my personal finance should be separate from my business fiancne. Thats why its classified as an LLC for a reason. Citi continues to resrict access to my personal accounts causing great inconvence on the probability of a check not clearing ( there reason being that that is the first time I was completing mobile deposit on the account ), this is an account I had operated for about 3 years. I am submitting this claim because I do not believe that citi 's action of withholding my personal account is legal.
Product: Credit card or prepaid card

Upon reviewing my credit report, I noticed an outstanding balance of {$170.00} from a Brooks Brothers store charge card issued by Citibank NA and closed on XX/XX/2015. I contacted Citibank in an attempt to resolve the matter. I asked to see my final statement in order to review the balance, but Citibank refused to provide it. I was told that the account is a " dead file '' and no further information could be provided. Nonetheless, I offered to make a payment in full as long as I would receive a prompt acknowledgement. However, the associate told me that a payment could only be accepted by mail and it could take up to 90 days to process, which I found unacceptable. Clearing up the derogatory information on my credit report is an urgent matter for me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 several unauthorized transactions were made on line using my cash app card numbers totaling {$500.00} I reached out to cash app to stop payment because they were not made by me I was told I had to wait for each transaction to go clear before I could dispute them. So I waiting and I disputed all of the unauthorized transactions. Since then there has been a lot of back and forth with cash app. Now they say my dispute was denied and they will not refund my money. I don't know why they are refusing to return my money it's clear all transactions are fraud they were all made to the same company within minutes of each other. There are more that didn't go thru as well because I had no more money in my account. They drained all I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. XXXX XXXX XXXX.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balanced {$380.00} XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with the credit reporting agency Equifax to follow the law and remove fraudulent trade-lines on my credit file. The company is reporting these items as 'verified '. How could these items be verified? They report on no other credit reporting agency 's site. I've sent backup from the FEDERAL TRADE COMMISSION ( FTC ) showing that the trade lines have been properly reported to an agency. The trade-lines XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX are all reporting on my credit profile and all items should have been previously and presently DELETED from XXXX XXXX XXXX 's profile. 
Additionally, upon disputing these particular items for a forth time my credit score immediately dropped over 50 points. This is an unscrupulous act by the named agency!!! 
How am I to be punished with a score drop because of me wanting my due justice? There is no valid or legitimate reason for this. NO OTHER agency is reporting these items except EQUIFAX.
Product: Credit reporting or other personal consumer reports

I have been dealing with this with XXXX and Equifax for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today Equifax reports a late payment from XX/XX/XXXX which is highly not true to go along with XXXX reporting one for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. XXXX and Equifax needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.
Product: Mortgage

My mortgage was sold to rushmore loan. I sold my home after 2 years. My refund escrow check has become an issue.  It's been over 3 months and I have not recieved it. According to rushmore they have sent it 3 different time but are unable to provide any type of verification or tracking  numbers. I called immediately after selling my house in XX/XX/2019 to inform them of my new address to receive my refund. Month later I called again to see where it's at and I was informed it was sent to my old address I would need to update my address. Which I did again .I spoke to new owner and asked if I had by chance got a letter that for some odd reason didnt get forwarded like every other piece of mail. I called again XX/XX/XXXX to ve told they mailed and I should have gotten it by now . They will cancel and reissue again . I called yesterday XX/XX/19 to be told it would be escalated after being told it was escalated on the XX/XX/XXXX. I called today XX/XX/19 and after requesting speaking to the manager . The same girl came back on the phone with a basic script please wait 10 business days . I asked not to speak with her as I wanted my concerns to be heard by a supervisor or manager and XXXX put my on a slight hold and hung up. I called back immediately and asked to speak to a XXXX   office branch. I have all conversations recorded. As I felt I've been getting the run around. I today am told it will take another week to be approved. To call back next week" monday by latest "I have requested a tracking number as of last monday XX/XX/XXXX on this next check they are sending . She acknowledged that as it was in the notes.
Product: Credit reporting

I have disputed a tax lien on my credit report with Equifax numerous times. Each time it states that it was verified via XXXX. I have asked for printed documentation that is dated after XXXX XXXX, XXXX ( letter attached ). To only receive a generic dispute results letter with an Equifax letter head. Under XXXX, the bureaus have to show me proof of their verification not tell me. Equifax has failed to properly re-investigate this. They sent me an almost identical letter in XXXX XXXX and XXXX XXXX. That tells me they generated a pre-written letter from the computer and sent it to me. I have contacted the court and they advise that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. So I do n't know why they were mentioned in the results. I am asking for Equifax to provide documentation that they have re-verified this tax lien with a XXXX letterhead that is dated after XXXX XXXX, XXXX. I sent the last dispute letter VIA USPS with the tracking number XXXX. The letter shows delivered but they did n't provide the requested documentation. Attached is a copy of the letter sent and the results that I received from Equifax. Please have Equifax to mail the above requested documentation to my current address. Also, have the responding Equifax representative provide the last date this tax lien was " verified '' with XXXX along with their name and/or ID number.
Product: Mortgage

Chase Home Mortgage sent an email in XX/XX/year> stating THEY enrolled me in their paperless statement program. I promptly responded NO, I want paper statements sent. They claim I agreed to paperless... no I did not! Chase is a totally FRAUDULENT company. I just called them and requested they send my paper statement immediately. They said they will but I like most Americans are absolutely sick and tired of lying FRAUDULENT practices. They should be fined severely and anyone with a complaint like this ought to get a LARGE settlement from such a lawsuit. They are pulling these fraudulent actions on millions of homeowners and should be shut down. They are in this for one reason ... to steal properties, period
Product: Checking or savings account

The account name is XXXX XXXX XXXX XXXX. I had a name change and have not changed my name with the bank. 

The atm did not dispense the funds bank is not honoring the claim.
Product: Credit card or prepaid card

On XX/XX/XXXX an automated payment was made to my credit card company Capital One, for the minimum amount due of {$48.00}. Every month a minimum payment is made to that account. On XX/XX/XXXX I realized there was a problem. My credit card had a balance of {$17.00} and I realized Capital One took money from my bank account to cover the total balance of {$2800.00}. I called Capital One on XX/XX/XXXX and the first representative said it was too late and to file a dispute with my bank. My bank advised that nothing could be done as Capital One already took the money. Then we called again on XX/XX/XXXX, this time a supervisor said the automated system confirms amounts and that nothing could be done. Our concern is that the automated system is not correct. Our history shows our credibility and every month we carefully listen to the automated system. At this point, we need proof of what transpired on the automated call because the money that was taken is money we use for our rent. This has caused a great hardship. There must be a way to check the record of the transaction to see exactly what transpired. No system is perfect and our contention is that an error occurred.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I XXXX have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra XXXX days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Product: Credit reporting

Of the XXXX agencies only Experian showed on my annual credit report that I owed money to a debt collector which I never did owe in the first place. Their website gave me an opportunity to dispute the findings so I did and a few days later they sent me the same credit report again with the word 'updated ' on it but the debt was still on the report. So I sent a letter to the debt collector asking them to tell Experian that I did n't owe any money. I waited a XXXX. I could not figure out how to find out if the debt had been removed by way of Experian 's website. It is impossible to conduct nonstandard business with Experian through their website. So I wrote a letter to Experian and included in the letter all the personal information that they needed to validate my identity including my social security number, a copy of my driver 's license and a copy of my electric bill. XXXX days later they sent me a letter claiming they had received a suspicious letter in the mail concerning my credit report and that in effect they would no longer conduct any business with me through the mail. That was a XXXX and a XXXX ago and I have n't heard from them again. My overall experience with Experian has been that any complaint that I make to them is just thrown back in my face by a computer. I think they are trying to sidestep my complaint either because it is an inconvenience for them to repair my report or because they hope to get money from me in return for repairing my credit report.
Product: Money transfer, virtual currency, or money service

I believe I have been harmed by illegal activity involving malicious software on my XXXX devices. I will be turning in the XXXX devices to the XXXX XXXX for an exchange. This has been an ongoing process since XX/XX/ in which I have been investigating on my own behalf. I am proceeding with the further steps to take action in this case. I would like to dispute all accounts with balances that have been deemed as Charge-Off Transactions.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Experian
Product: Student loan

A year after I graduated, I was allowed to take out a tuition answer loan through Sallie Mae citing my boyfriend as the person who was enrolled. I believe I was unfairly and fraudulently targeted, not understanding that this loan was unaffordable and unnecessary. Additionally, all tuition was paid in full for the year yet I was allowed to take out this loan not being educated or explained the future ramifications of having this loan and making {$12.00} an hour out of college.
Product: Credit reporting or other personal consumer reports

Dispute the identity fraud and they stated that they verified it. 

They continue to report the disputed XXXX XXXX XXXX # XXXX account that does not belong to me on my report. 

I need to see the documentation they used to verify otherwise I will consider legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Card is showing my account 30 days late on all three credit reporting companies XXXX, XXXX and XXXX ) for the very month I paid the card off.

I had a {$7500.00} credit limit and after I paid them off they showed a reduction in my credit limit to {$1000.00}. Both of these reports have caused negative results in my credit score and they refuse to correct the problem. I paid this company every month and was never 30 days late. They charged me an additional {$18.00} one month after I paid them off telling me it was accrued interest from the previous month. I need this information to be corrected.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Bank account or service

To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.
Product: Payday loan, title loan, or personal loan

I am a XXXX year old retired woman and I really need your help, back in XXXX I paid these people over {$2500.00}, for a illegal and unlawful transaction that evades states USURY INTEREST RATE LAWS ..by CASH NET USA, XXXX XXXX the USA attorney sued them and won in federal court. I paid these people over {$2500.00} in XXXX on a {$2600.00} transaction I paid these people their funds ... ..On XX/XX/XXXX I received a note from another USURY INTEREST COMPANY stating that I owe them {$4300.00} This company XXXX, XXXX XXXX XXXX ( Ph # XXXX ) I do not owe these crooks ANYTHING. 
Please Help Me ... ..Cash Net USA ... XXXX File XXXX file # XXXX