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

Ill start with saying I bank with Chase. I received 2 checks from someone who said they would lend me some money. I tried to deposit them unknowingly they were fake checks. They were trying to scam me saying I need to send them money after I tried to deposit them. I closed my account. I had XXXX in my bank account on the XXXX. They said it would be sent to collections. I planned to pay it off when I got my check from work. I had made a new account on the same day through their mobile app. Everything was good and on the XXXX I tried logging into my account and it said there was suspicious activity, and to call them, so I did. They then said that I would never be able to bank with them again. I asked for a reason why and they said they couldnt tell me and just to know that they have the right to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX   XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2021 and since then for the past 3 years Equifax has had my payment status on this account as just a " charge-off '' when it's a fully paid-off account. A charged-off account should reflect the accurate balances across all bureaus especially for paid-off accounts, this is inevitably holding me from acquiring new credit. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX  XXXX XXXX Account no. XXXX
Product: Debt collection

Advised this company in 2020 that I have no debt with them but they keep trying to get money from me & now wants to sue me in court.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX, XXXX XXXX, XXXX Bal {$11000.00}, XXXX XXXX Bal. {$38000.00}, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a personal complaint regarding inaccuracies in my credit report. Upon examination, I noticed several late payments that I believe to be erroneous. I have attempted to address this issue by sending correspondence to the relevant parties over a month ago. However, I have not received any response, nor has adequate validation of these late payments been provided.
Product: Checking or savings account

For the past year I've been contacted via email from a guy named XXXX XXXX who purports to have an Bank of America ATM Card with the amount of {$3.00} XXXX Dollars in my name. He sent me a certificate of transfer stating the same thing, however in order to receive the ATM card he wants me to pay {$500.00} for the shipment and/or activation. I tried to run him away referring to him as a scam, but he has been persistent that he isn't a scam by swearing to XXXX and on his life that he isn't, on the certificate it has the CEO of Bank of America signature on it, I've also contacted the CEO of Bank of America via email to validate the document but to no avail, he didn't respond back. I had an account with Bank of America in XX/XX/2020 however it was closed although I believe it was never closed and I was charged unauthorized fees on the account which diminished the funds that I did have in the account. Under law I believe I'm the rightful beneficiary of the funds stated by XXXX XXXX from Bank of America.
Product: Debt collection

On XX/XX/2013 Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA  ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX , XXXX ) .They misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address was ( XXXX, XXXX ). 

Midland Funding LLC as Assignee of XXXX XXXX XXXX ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the XXXX XXXX collection is a 20 year old collection account ) .The mere fact that the debt with XXXX  XXXX XXXX ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception and by fraudulent means. All monies Midland Funding is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places Midland Funding and XXXX XXXX XXXX violation of the Fair Debt Collection Practices Act.
Product: Debt collection

I ran a credit check when my auto loan came in at a higher rate than expected. Found XXXX separate negative remarks on my credit check from AARGON Agency : XXXX in the amount of {$160.00} XXXX in the amount of {$820.00} I am an XXXX XXXX employee who has been station overseas at XXXX XXXX XXXX since XXXX of XXXX. I have no knowledge of either of these bills, have never received a bill or been contacted in any way saying I owed anyone money, nor have I ever been contacted by AARGON Agency. 

These just appeared on my credit report and I don't know what they or supposedly for
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX  CCM Finance LLC XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 Section 602 States I have the rights 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. 15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX XXXXXXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}
Product: Vehicle loan or lease

I came to a payoff agreement of XXXX with the credit collector in XXXX to pay and close the account which I did. It posted and updated as closed onthe other XXXX credit bureaus but XXXX. Ive sent documentation showing. Ive contacted Harley, credit collector and repeatedly XXXX. Each time its we have the information and proof you sent it should update in XXXX hours and everytime its wrong. Its taken forever to get a solution and the report fix and to be right. I need it updated ASAP please
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and on XX/XX/XXXX I mailed to TransUnion an identity theft report which included a letter explaining and detailing the information in my report that is fraudulent, a Federal Trade Commission Affidavit, along with proof of my identity, social security card and proof of my address. I've spoken with a representative on XXXX XXXX at TransUnion and confirmed that they received my report on XXXX XXXX and that they did not process my request because it appeared that the information came from a third party. I explained to the representative that the report did not come from a third party, that it came directly from me. That I sent my ID Theft report to TransUnion XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. The rep stated to me that he will attach my report to the fraudulent accounts to be processed for blocking of the fraudulent information and that it would take four days for processing. It is now XX/XX/XXXX and the fraudulent information still appear in my credit reports. A rep named XXXX from TransUnion called me today to follow up and advised me to re send the information again to them, because they were not going to proceed with my request, because TransUnion is saying it came from a third party, but it didn't.
Product: Credit reporting

Transunion removed several inquiries and accounts from my credit report on XX/XX/2017 and later put them back.
Product: Student loan

They are not responding to my income based repayment or my public service based forgiveness within a reasonable time. They have far surpassed the dates to respond in a timely manner, and are rejecting my application for unfair reasons.
Product: Checking or savings account

On XX/XX/2023, I handed to Citigold Customer Service, Citibank, at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX the proceeds of an XXXX XXXX  matured IRA CD via XXXX Official check in the amount of {$83000.00}, with instructions to rollover the same into a Citibank IRA for one year. On XX/XX/2023, I completed and signed the necessary forms and presented the same with my ID to the officer who advised that an IRA account could not be opened UNTIL the rollover application was forwarded to the retirement division and therefore the proceeds were temporarily deposited into my checking account, with the understanding that the funds would be transferred into said rollover IRA within approximately one week.

That never happened and approximately two weeks thereafter I was advised that it was necessary to complete once again the rollover application and again provide my ID, which I did at that time. In addition I was misinformed that I could not withdraw any funds from my new IRA without incurring a penalty prior to maturity of my new IRA CD and that any anticipated 2023 distribution funds should be left in my checking account until the CD matures. Based on this misinformation, $ XXXX was designated to remain in my checking account. I am a retired XXXX  citizen. 
Thereafter, each time I communicated with Citibank, I was assured by both XXXX XXXX, the officer at the XXXX XXXX branch ( who stated Citibank had full control via its retirement division ) and he assured me my rollover was being processed and the issue date of said rollover would be the date on which I handed over my proceeds and completed the rollover application ( i.e., XX/XX/2023 ). 
During each conversation with the XXXX XXXX branch and its retirement division ( where no person would divulge their full name or ID information and the first names kept changing ) during the months of XXXX and XXXXXXXX XXXX I repeated the XXXX limitation required to rollover said funds and was repeatedly assured the rollover date would be XX/XX/2023. 
Finally, I received a confirmation that the funds, less {$6000.00}, had been rolled over into a retirement account on XX/XX/2023 ( NOT THE EFFECTIVE DATE OF XX/XX/XXXX LAST AS PROMISED as advised by Citibank AND ONE WEEK PAST EXPIRATION OF THE LIMITED 60-DAY ROLLOVER PERIOD ( i.E. XX/XX/2023 ). 
I have just received an XXXX Statement issued and covering the period through XX/XX/XXXX last, evidencing the full amount of {$83000.00} is now treated as taxable income, as a direct result of Citibank 's failure to roll over these IRA funds on XX/XX/2023 ( which were handed over to Citibank, NA XXXX XXXX branch on XX/XX/XXXX last ). Needless to say, my financial security has been severely harmed and damaged by Citibank 's egregious acts and mishandling of this matter. 
Attached are copies of XXXX XXXX check dated XX/XX/XXXX last, my Citibank rollover application dated XX/XX/XXXX last, and XX/XX/XXXX XXXX  Statement.
Product: Money transfer, virtual currency, or money service

I met a gentleman on a dating app called XXXX in XXXX of XXXX  and after a few weeks of talking, he referred me to a financial investment app called XXXX He said I could make good money with short term investing. The company that was utilized within this app was called XXXX XXXX. Their web address is : XXXX  and they have an email address of XXXX. I have emailed them several times with no response. I regret to inform you that I fell victim to an incredibly sophisticated investment fraud scheme where crooks systematically disguised themselves as a legitimate and trustworthy entity, in order to illicitly exploit the vulnerabilities of unsuspecting, investors and con them out of their money. This took place between XX/XX/year> and XX/XX/year> via wire transfers which then purchased cryptocurrency in the amount of {$27000.00}. ( I have attached a screenshot that shows dates and amounts of the wire transfers as well as the wallet addresses where the funds were sent to. I have alerted my bank and Crypto.com as well of this fraudulent investment scam and am currently seeking a refund from Crypto.com but they are refusing to do so. 
Crypto.com was fully aware that these wallet addresses were scam wallets as soon as I alerted them of this fraud and told them the FBI had contacted me. The FBI contacted me directly regarding this investment fraud scam via email went phone and alerted me of the scheme. 
An iC3.gov report has already been filed with the FBI. I was deceived into transferring my funds for investment returns that were never delivered. The way the fraudsters had their scheme rigged ; I am certain that I will never receive any monetary value for these investments thus causing me significant economic damage. 
Please press on crypto.com to refund my money as they knew these were scammers wallets as soon as I let them know the FBI had contracted me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ experian ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XXXX ], I discovered discrepancies in the following account ( XXXX ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
accounts to delete immediately : inquiries XXXX XXXX, XXXX XXXX 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: Mortgage

SELECT PORTFOLIO SERVICING CONTINUES TO SEND ME COLLECTION LETTERS AS A SERVICER FOR A TRUST THAT HAS NOT PROVED IT OWNS MY LOAN. THIS TRUST TOOK ME TO COURT AND LOST IT 'S CASE AND THE JUDGE DISMISSED THEIR CASE BECAUSE THEY COULD NOT PROVE THE TRUST LEGALLY OWNED MY MORTGAGE AND NOTE. THIS SERVCER HAS NEVER PROVED BY ANY TRUST DOCUMENT THAT IT IS A SERVICER OF MY MORTGAGE AND HAS A RIGHT TO SEND ME COLLECTION LETTERS. I BELIEVE THEY HAVE VIOLATED MY RIGHTS ACCORDING TO THE FAIR DEBT COLLECTION ACT
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reached out to XXXX XXXXXXXX via phone to request information showing why my closed accounts were shared with the credit bureau and late payments if there were closed and asked for a written response. I have not gotten one
Product: Checking or savings account

XX/XX/year>.. I contacted citi bank 5-10x asking tollway when I call my card it transfers me. I did verification and then the security they tell me is wrong when I have proof of the security hint when I made my account. Hangs up in my face. Cant tell me why it is blocked nothing.
Product: Debt collection

This collection agency is reporting fraudulent inaccurate information on my credit report. Under the FCRA, I am exercising my rights to request full validation of the alleged debt but they failed to do so. I need this account removed immediately.
Product: Mortgage

On XX/XX/2022, we discovered that our mortgage company, 'Nationstar ' through XXXX had failed to fully pay last years property taxes. As a result XXXX  XXXX County in Colorado have put a lien on our home which has been purchased. We contacted Nationstar and alerted them to the problem on the same day, they acknowledged that there was even a note on the account to pay the second half of the taxes but that had not been done. 

I have been in weekly contact with Nationstar and yet I am no further forward in having this 'mistake ' resolved. Nationstar have said they will take care of it and pay the taxes, lien and associated interest and fines but six weeks later the matter is not resolved. I find it incredible that this could happen in the first instance, I'm astounded that XXXX XXXXXXXX County put a lien on my home without my knowledge of an existing problem. 

While Nationstar acknowledge the problem lies solely with them and they will take care of it, it is little comfort to me six weeks later. There has to be some accountability
Product: Credit reporting

XXXX ( Account # XXXX ) reported a debt that i had no idea they were reporting. They never contacted me for the said debt. After i disconnected my DSL and Phone services, i had a bill of XXXX. I asked then agent if i could pay off my bill on the phone while she disconnecting my services. The agent told me that i would have to wait for another bill, which is prorated since i had disconnected my services in the middle of the month. The agent gave me this Order number : XXXX after the account was closed. I waited from XXXX till XX/XX/XXXX, i had to call them up again, then they decided to send me the bill. As soon as the bill came in, i sent it back same day with a check of XXXX. This is a case of incompetence or hiring people with no training on how to carefully handle the public 's credit. Their stuff are misleading the public who unknowingly hurt their credit scores. Had the agent let me pay the XXXX dollars, i would n't mind even if they kept the balance. I called XXXX today after i was shocked with my credit scores, they 've advised me to dispute the credit score with the credit report agencies. They told me as far as they are concerned i 'm in good standing with them and they have no way to erase he error. Why they would destroy my credit for them to dismiss me this way is what i ca n't comprehend.
Product: Debt collection

In XX/XX/2020, I received a collection notice from ERC in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from ERC for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.