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

It's been almost a full year since my Savings account has been marked as " Inactive '', and despite my doing everything they asked of me, they have still NOT reactivated my account, and so I can not add/ withdraw/ access my money. I'm still not sure why the account has been marked as " Inactive '' last year, but sometime in XXXX last year, it looked like I was able to get it reactivated over the phone, however less than a month later, when I tried to add funds, the account was once again locked. They said it's because there has been no " activity '' in the last three years, although there was a deposit back in XX/XX/2022. 

The Citi Customer Service gave me XXXX options to reactivate my account. One would be to visit a branch to verify my identity, address and phone number, which unfortunately isn't an option for me since Citi does NOT have any branches in XXXX  XXXX. The second option is to send a letter, verifying my name, phone number, address, etc. and requesting they reactivate my account, which I did TWICE already ( the latest this last month, see attached tracking information showing the letter delivered on XX/XX/XXXX ), yet I got ABSOLUTELY NO RESPONSE, and the account is still Inactive. This is ABSOLUTELY PREPOSTEROUS, these are my life savings in that account, and I haven't been able to access the funds for more than 8 months now, so I need Citi to come up with some option to get this issue resolved, and reactivate my account for full access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Executive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES
Product: Credit card or prepaid card

On XX/XX/XXXX, I mailed a letter to Sears requesting a validation of my account. As per USPS tracking, the letter was received on XX/XX/XXXX. On XX/XX/20, I pulled my credit reports and it showed that there was no negative dispute remarks on the reports. I checked my credit reports again on XX/XX/XXXX, 31 days from the day they received validation letter. There were no dispute remarks added by Sears to my credit reports. They violated the FCRA by not placing a dispute notification on my report within the required 30 day period. I sent a follow up letter on XX/XX/20, requesting to remove the charge off account from my credit reports within 30 days but it has not been removed.
Product: Credit card

I purchased a dishwasher from bestbuy online on XX/XX/scrub>XXXX XXXX XXXX  and canceled it the next day. However I received the delivery the next day and was told by delivery drivers it was cancelled. They forced me to let them in and insisted it was never cancelled. After they installed it, I called bestbuy to see why my order wasnt cancelled. I was told it was cancelled but was delivered by mistake and someone from another department will call me back in 7 days to let me know the solution. No one called me but end up charging my cards for the cancellation. I opened a claim with city bank who is the insurer of the bestbuy credit card so I could get my money back because bestbuy keep refusing to come get the dishwasher so I could be refunded. City bank and Best Buy are fraudulent companies that are forcing customers to buy products that they dont want.
Product: Vehicle loan or lease

I paid XXXX $ down payment and the car was set out to be XXXX $ final price with the fees and gap etc it adds up to XXXX $ I payed XXXX which means I purchase at the price of XXXX subtract XXXX from that Its XXXX $ which means the sold the vehicle to me for more money after all the fees they had typed out on paper and had me sign I thought it was fine till I realized price purchase. 

I left a message waiting response on XX/XX/2022 XXXX XXXX XXXX XXXX number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My personal information is incorrect Incorrect Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX 2. Did not consent to unauthorized inquiry. 
XXXXXXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX  XXXX XXXX XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXX XXXX  Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX Please Remove It From My Credit Report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX ** Validate/inaccurate reported late payments. 

8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX * Validate/inaccurate reported late payments. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX ** Validate/inaccurate reported late payments.
Product: Debt collection

This is a debt on a Washington Mutual account that charged me various insufficient fund fees on the same day. Even up to three charges per a single transaction. They then closed and sold their debt around to some collectors. Washington Mutual has been defunct since XXXX and we are in XXXX and this debt collector is still coming for me. This should of fell off after seven years and this firm, who bought the debt, has tried calling me without giving me information as they give the disclaimer that they are recording. Then when asked what it is about they do not inform me anything but want my personal information which I am not handing over private sensitive information like my address or social security number over the phone. It is now at year 14 and this debt collector insist that this is owed to them. They do tactics to speak to you to reactivate the terms of the claim. I have been silent on them but can not take any more letters, calls, or anything of that sort. Even trying to settle how do I know that will be used to pay off this. The original amount was under XXXX USD and they have no back-up evidence on what was owed then, but have piled interest upon interest to get a payment. Firms like this really prey on people in debt. Again Washington Mutual has ceased to operate since XXXX and 14 years later these guys at XXXX And XXXX are looking for a payment on something the bank already wrote off at the time it cease to operate.
Product: Debt collection

I owed XXXX to XXXX XXXX XXXX Acct # XXXX I paid it off in 2 payments of XXXX XXXX
Product: Debt collection

Midland Credit Management is attempting to circumvent Fair Debt Collection Act by : 1. ) Claiming they provided validation ( that was requested by me ) but the letter was " undeliverable '' despite all other mail being delivered - and despite offering no proof of this undelivered mail. 

2. ) Their " collections rep '' stated upon being asked by me ( and documented ) : " I want to talk to an attorney '' the rep replied " Yes, you can talk to me. '' Clearly this is representing they are an attorney and in fact are not - then going on to demand personal banking information. 

In my last complaint Midland attempted to sidestep a proper reply by claiming that it is a general line and mail wasn't delivered - both further bad faith attempts to cover violations of the Fair Debt Collections Act. 

I would like them to properly answer the statements with proof and show no more bad faith.
Product: Credit reporting

XXXX Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX ( CRA ) for failing to remove an unauthorized inquiry from my credit report. 

Details : Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize RXXXX XXXX to access my credit report, and the inquiry is inaccurately listed. Despite my disputes, XXXX has refused to remove the inquiry. 

I have attempted to dispute this through XXXX portal. There was no thorough investigation invest it was closed within an hour or two of me submitting my dispute. 

The following laws and regulations support the deletion of a disputed inquiry : 1. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( Dispute Process ) : Requires credit reporting agencies ( CRAs ) to investigate disputes and delete inaccurate or incomplete information.

- Section 605 ( Requirements Relating to Information contained in Consumer Reports ) : Requires CRAs to ensure the accuracy and completeness of information in consumer reports.

2. Regulation V ( 12 CFR Part 1022 ) : - Section 1022.43 ( Dispute Process ) : Implements the FCRA 's dispute process requirements.

3. Consumer Financial Protection Bureau ( CFPB ) Guidance : - CFPB Bulletin 2013-09 ( Disputed Information on Consumer Reports ) : Clarifies that CRAs must investigate disputes and delete inaccurate information.

4. Federal Trade Commission ( FTC ) Guidance : - FTC Commentary on the FCRA ( 16 CFR Part 600 ) : Provides guidance on the FCRA 's requirements, including the dispute process. 

These laws and regulations require credit reporting agencies to investigate disputes and delete inaccurate or unauthorized inquiries. 

I request your assistance in resolving this issue and removing the unauthorized inquiry from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Funished information from XXXX XXXX XXXX multiple times. 
XXXX XXXX XXXX XXXX for an alleged debt of {$4600.00}. 

This collector is not forthcoming with actual verification to pursue this alleged debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently billed a debt collection reference number XXXX from XXXX XXXX XXXX in the amount of a {$420.00} it says it is from a debt owed by XXXX XXXX XXXX  account number XXXX this is from an emergency room visit I dont remember which hospital that I actually had a workers comp I do not know why they have now put it in collections against me I do not need that on my credit report because it was something covered under his Workers Comp. I got injured at work they gave the Workers Comp. information I gave the Workers Comp. form to my former employer and there should not be a debt owed to this account I am now complaining that this is now harming me by bashing on my credit history
Product: Debt collection

Midland Funding LLC has fraudulently claimed to the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ) that they have received a Final Monetary Judgment in the Michigan Court ( XXXX XXXX XXXX District Court ) which they have not and which is completely fraudulent. This intentional fraud on their part has destroyed my Credit Rating and has caused me great monetary damages due to their intentional fraud. I have attached physical evidence. 

The Michigan Supreme Court has asked the Michigan District Courts to suspend all actions of Midland Funding LLC in their Courts while the Federal Govt. currently investigates their fraud ( I have attached the Court Case which shows this suspension by the Court ). The XXXX County Court ( XXXX District Court ) has suspended all actions by Midland Funding LLC in their Court. Despite this case never being settled and no judgment ever being granted or settled, Midland Funding LLC went ahead and fraudulently ruined my credit with the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) and fraudulently reported to all three that they had received a final judgment from this Court which is completely untrue. I have reported this fraud on their part to the Court as well. 

I would like to proceed with this Complaint and offer the CONSUMER FINANCIAL PROTECTION BUREAU this physical evidence of all the above and all of the additional claims that I have regarding this continual fraud by Midland Funding LLC. I also feel that they have no rights to this case or claims that they have purchased this debt from any Credit Card company and the dollar amount that they have claimed is fraudulent as well. I am not responsible for this debt and it is a fraudulent debt that they have reported as them being the new debt owners of. They have inflated this debt with tremendous additional charges and fees they have just added on or attached from almost a decade past from a previous divorce that I am no longer responsible for and tacked these fees on to their fraudulent claims with their fraudulent lawsuit from any original debt amounts. I do n't believe they legally purchased any of these debts and have no proof of their ownership of this debt and the amount is not accurate and inflated.
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG BPRIMARY NAME AND ALIAS NAMES ARE WRONG AND NEVER USED THEM AND ALL PREVIOUS ADDRESSES NEVER LIVED THERE SEE XXXX  DOC FOR EXPLANATION
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested {$260.00} currency from Coinbase. The money was put into a vault that can only be withdrawn by validating two emails sent to two different accounts. The system has a flaw because it is impossible to verify the second email, which is documented on different websites from different customers with the same problem. Every day I go through the same process trying to retrieve my money, the primary email works ( XXXX ), the secondary ( XXXX  ) gives you the message " You have already performed this action. '' Turns out this problem have been going on since XXXX. In a time of the virus, I have no money to be sitting around with this company. To make things worse the customer service does not exist, they send emails that they are looking into the problem, but no very well what the problem is, they are stalling and just holding on to peoples money. It is now XXXX Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are Fraudulent and are in clear violation of my privacy. Which is a violation of the law. I demand the following accounts be DELETED from my Consumer Credit Report Immediately as they are Fraudulent accounts opened using my personal information and consequently disclosed on my TransUnion and XXXX Consumer Report 1. XXXX XXXX XXXX { XXXX } Account # XXXX - Amount. {$44000.00} 2. XXXX Account # XXXX - Amount. {$16000.00}
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting or other personal consumer reports

I have already disputed these items with the bureaus, but they did not remove them, In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. nor prove validation. 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
Product: Debt collection

That theyre calling for is that thats already been charged off and they had purchased this from the dead from the company that I quite of the dead. They were not show me the proof that they are the true that holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved for a One Main personal loan Went thru the questioning process. All credentials was good. They then asked for last year tax return, I had no clue that I needed to submit a tax return. Had I known that I would not have went with this bank. I was misleaded & false advertising. This hit my credit & I think it's unfair & needs to be taken off my credit report. ONE MAIN Financial is the bank & needs to be clear
Product: Credit reporting or other personal consumer reports

Someone has stolen my identity. I am locked out of my own accounts and when I tried to get a credit report from each of the three main agencies, it said my birthday doesnt match my Social Security Number . Additionally, before I was completely locked out of my XXXX Credit Card account, they sent me alerts about a credit card affecting my credit score in a bad way that was activated some time in XXXX and its already over its max amount. I didnt open any new credit cards, loans etc. The credit monitoring from that account combined with letters Ive received from multiple state agencies and my Insurance company and a weird welcome letter from one XXXX Bank are the only things Ive seen to alert me and they all arrived within a couple weeks of each other. Additionally, there is a fraudulent business that stole over {$2000.00} from my bank account, buying Cryptocurrency. I was texted in my phone from a person claiming to be a recruiter, who got my information from a recruiter who made it seem that the part time gig was legitimately doable with my disabilities, but that I could make enough not to need to be on disability. I asked dozens of questions throughout my entire engagement with them and have pictures of all of it because they requested to communicate through XXXX and I didnt want to run the risk of losing any documentation. Turns out I was right to be skeptical. If people are actually making money on XXXX, they are doing so fraudulently. They pose you as a bot, essentially and give you a set selection of reviews to chose from, nothing you input yourself except clicking on one. They trick you into a cycle from which youre paying them to work. I also found out that they buy peoples personal information off the internet in order to recruit people like me.
Product: Credit reporting or other personal consumer reports

I have a few hard Inquiries on my Credit that Im not aware of such as : Citizens one on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have disputed incorrect addresses reporting on my Equifax credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.
Product: Vehicle loan or lease

I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Vehicle loan or lease

I bought a XXXX SMART fully electric car from XXXX. The car was advertised as having a XXXX range between charges. The car 's battery would not fully charge and I was getting a XXXX range between charges in cold weather if I did not use the heater. I live in the country and the nearest grocery store is XXXX miles away. I contacted XXXX with this issue and was referred to XXXX XXXX as the car was still under warranty. XXXX XXXX referred me to XXXX repair facilities in their network all of which told me they do not work on electric cars. I called XXXX XXXX many times, with the same result. Finally, I called XXXX dealerships as the car is manufactured by XXXX. The XXXX dealerships stopped selling the SMART car in XXXX and they told me they do not work on them any longer. I found XXXX XXXX dealership XXXX hours from me that does, but they told me they have several SMART cars in their shop with battery issues and it would be more than a month before they could get to it as they only have XXXX technician. I contacted XXXX XXXX and they told me the XXXX dealership was outside of their network and I would have to have the dealership contact them to be able to deal with the issues. XXXX XXXX also told me they only pay for a one-hour diagnostic and I would be responsible for the remainder of the payment beyond XXXX hour. With the payments I have made, I am already well over $ XXXX into a car I can not use. XXXX XXXX XXXX representative referred me to a repair facility in Ohio and he thought it was only XXXX miles from Kansas. Finally, I did a voluntary surrender to XXXX. So now I have a blot on my credit record. I am a XXXX veteran on 100 % comp for XXXX. This has sent my stress through the roof. I am seeking legal counsel to resolve this issue.