23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In late XXXX I was forced to cancel a planned vacation due to a serious illness. The trip was, in large part, charged to my Citibank XXXX credit card. I called, about XXXX XXXX to request the refund XXXX XXXX had returned to my Citibank card be transferred back to me, electronically. The amount was approximately {$12000.00}. The current credit balance is precisely {$12000.00}. To date I have yet to receive my money. 
The reason given to me initially was I had given them the wrong bank routing or checking account number. Though I had not, I provided the information again. After about one week I was told it would take another 7 to 10 days. Then another 3 to 5 days. Finally, I was told the problem was Citibank could not confirm the checking account I had provided was actually mine. So, we agreed I would receive a paper check. After a week I checked and was told a paper check would take 3 to 4 weeks. At this point I have zero confidence I will receive my money at the end of this time which is another 2 to 3 weeks away. 
Please see my emails to Mr. XXXX XXXX XXXX, CEO of Citibank. No response has been received to either of them. Please help me assure I'm going to get my money. I need it more than Citibank does.
Product: Credit reporting

This item was disputed with TransUnion. I received a letter from them on XXXX/XXXX/2016, stating that the investigation was complete and that this collection was no longer on my file. I had applied for a loan on XXXX/XXXX/2016 and received a very high interest rate on my new loan. I asked my lender why the rate was so high and they stated that there was an open collection on my TransUnion account that was affecting my new interest rate. So I obtained my report on XXXX/XXXX/2016 and it still shows the collection that they stated ( on XXXX/XXXX/2016 ) was no longer on my file. I want this removed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft and used my info for false accounts
Product: Prepaid card

XX/XX/2024 XXXX purchase for {$1000.00}. I have submitted my orther form of payment receipt. The transaction was declined at XXXX terminal, so I paid by other means. Cash app card was shows completed and the funds were taken out of my balance. XXXX says the transaction was declined on their end. I have provided cash app with all the information necessary however they keep declining my dispute as no error occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. The following accounts as follows : XXXX XXXX XXXX XXXX XXXX$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX are not accurate. 
15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/, XXXX has XX/XX/, Experian has XX/XX/. All three can't be accurate or correct. FCRA requires you to fix it or delete it, or blocked it.
Product: Credit reporting or other personal consumer reports

I file several disputes to remove old addresses from my credit report. The response from the credit bureaus would be that they can not remove the address because it's tied to an account on my credit report the accounts that are tied to these addresses have been paid to close. I've also disputed those accounts from being a credit report, but they will also not remove Items that have been paid and closed as well. So now I'm stuck with negative items on my credit report that are causing my score to not increase and also I have old addresses on my credit report that are causing my credit report to reflect negatively.
Product: Checking or savings account

I have an account with Sterling National Bank & because of the relationship between a Bank officer & a former employee of mine that I terminated on XX/XX/2021, Sterling National Bank tried to preclude me from appointing a Power of Attorney & insisted that I retain the former employee I terminated due to financial irregularities & Sterling National bank freeze my accounts as of XX/XX/2021, until this date XX/XX/2021, But the formerly terminated employee with Sterling National Bank still has access to my account & Sterling national allowed the same person I terminated to Close my accounts & transferred the balance to a new Account, Using only one signature to close my account & my accounts clearly states that two signatures are required, I have 18 sent letters to the Executives of Sterling national bank since XX/XX/2021, & never received a single response from anyone at Sterling National Bank to this date. I still don't have access to my funds in the Bank, Since XX/XX/2021 & this date XX/XX/2021.
Product: Mortgage

This is regarding the property located at XXXX XXXX XXXX XXXX XXXX WA, XXXX. {$80000.00} in insurance proceeds being held by Lower LLC and now XXXX should have been dispersed to me when requested in the middle of XXXX. I have been waiting two months to receive the funds for a process that should have been completed within a week. For some context/background : This loan was previously with Lower, LLC and was transferred to XXXX, XXXX XXXX. I had a burst pipe in XXXX at the house which required extensive repairs and mitigation. My insurance company ( XXXX ) wrote a check to myself and lower LLC back in XXXX. Lower then dispersed $ XXXX to me to begin the project. The project was completed in early XXXX and I paid for all remaining repairs out of pocket. I ordered an inspection through Lower LLC at the beginning of XXXX. It took over two weeks to even get a response from an inspector who wasnt going to be in my area until the middle of XXXX. The inspector completed the inspection on XX/XX/XXXX evidencing the project was 100 % complete and sent that report to lower. I followed up with lower a few days later to inquire about my funds and was informed, they couldnt find the inspection. After speaking with a supervisor, they managed to find the inspection and were going to overnight me my funds. Nothing arrived so after a few days I called back to then be informed they also needed an updated adjusters report as well as lien waivers ( without my prompting I can only assume they would have done nothing ). Both were sent to lower the same day. Adjuster sent them an email directly on the same day as well. On XX/XX/XXXX, they had everything they needed to send me my funds. 13 days later my loan was sold to XXXX, still no funds sent to me. 

I now call provident and am informed that they do have my funds, but none of the accompanying documentation. I was told I should just continue to wait and eventually Lower will send over the documents and XXXX will process my payment. Obviously, that hasnt happened, and XXXX has not received the documents from lower. I have called lower LLC many times with no success of gathering the information required to have my funds disbursed to me. They no longer take phone calls. 
This has caused financial duress as they have held {$80000.00} in funds for over two months now in a process that should take less than a week.
Product: Mortgage

In XXXX Bank of America began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by Bank of America before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to XXXX. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted XXXX to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.
Product: Debt collection

I'm filing the following complaint on behalf of my elderly mother/patient with who is a XXXX XXXX XXXX against provider : XXXX XXXX XXXX XXXX XXXX Service : Ambulance Service for XXXX XX/XX/XXXX. Complaint regarding provider not properly billing copay cross claim and erroneously sending copay to collection agency. 

When XXXX sent initial statement for copay {$200.00} on XX/XX/XXXX. I contacted XXXX customer service dept. on XX/XX/XXXX at XXXX and spoke to a representative and provided XXXX XXXX CA XXXX XXXX ID XXXX number informing provider that my elderly mother had XXXX XXXX to cover copays , coinsurance and deductibles, in addition to her primary insurance XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I was inform to allow 30-45 days for claim processing. 

On XX/XX/XXXX, I sent an email to provider XXXX at ( XXXX ) to follow up on billing issue since XXXX continued to send monthly billing statements. XXXX XXXX customer service dept. responded on XX/XX/XXXX, stating account was updated and info forwarded to billing dept. for processing and to allow 30-45 days. 

XXXX failed to take the appropriate action to bill and/or never submitted the claim to the XXXX and instead sent the account to collections and violated the federal law that prohibits XXXX provides from billing XXXX Qualified XXXX Beneficiary program recipient for any XXXX Cost-Sharing copays, XXXX and deductibles
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; CAPITAL XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. XXXX  XXXX | XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXXXXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurately and are fraudulent. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Based on, 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.

Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE.

RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my Early Warning Services ( EWS ) report. The following accounts do not belong to me and appear to be the result of identity theft or a reporting error : XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand an immediate investigation and the removal of these accounts from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : A copy of my government-issued ID My EWS report A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution.

Failure to comply may result in legal action. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA. ) Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX  and XXXX  to investigate the Dyke O'Neal account, which is reporting inaccurately on my credit report because I have NEVER done any business with Dyke O'Neal & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to Dyke O ' Neal, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) Dyke O'Neal is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and XXXX  report, and if XXXX  and XXXX  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 
Also, if you take a further look, Dyke O ' Neal is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on XXXX. Additionally, XXXX  is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that Dyke O ' Neal is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX