23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The repeated attempts by XXXX XXXX XXXX in XXXX, FL and the debt collection agency Southern Management Systems is now considered harassment and it not resolved completely within 10 business days I will pursue legal action. 
The alleged debt is not owed and I fulfilled my obligation as a guarantor for my daughter on this apartment while she attended XXXX. My daughter is XXXX XXXX and the apartment complex initially tried to collect this bogus debt from her earlier in XXXX. After unsuccessful attempts to resolved the issue with the new leasing office manager at XXXX XXXX earlier this year ; we filed the requisite disputes and complaints and the collection item subsequently removed from her credit file ; however, they negatively impacted her credit score approximately 100 points for over 90-days. That is evident on the attached trend from XXXX on her credit file. That is relevant because the ongoing illegal efforts to collect a debt not owed and the collection item placed on my file Southern Management in XX/XX/XXXX has caused a drastic decline in my credit score. This is impeding approval for the purchase of a primary for my wife and I as we work with our mortgage broker from XXXX. 
I tried to resolve by contacting the XXXX XXXX at XXXX XXXX to no avail. XXXX worked with the leasing office manager at the time ( XXXX ) to execute the proper sublease of her room in the apartment to XXXX XXXX ; XXXX moved into the apartment on XX/XX/XXXX and we paid every rent due on time through XX/XX/XXXX and XXXX assuming the sublease in XXXX. XXXX remained in the apartment with all rents paid through XX/XX/XXXX and thus fully satisfying the lease obligation to XXXX XXXX. The leasing office manager has tried to falsely claim that XXXX did not sublease the apartment, but that can easily be disproved by the fact XXXX moved in and XXXX XXXX collected rents due from her from that period forward. 
I do not recall the name of the lady I spoke with in the leasing office who assumed the role after XXXX left the organization, but she well aware of the apartment transaction history. Not only have they knowingly tried to collect on debt not owed ; they subsequently issued a false statement to the debt collection agency Southern Management Systems mailing address XXXX XXXX XXXX, XXXX, FL XXXX. 
We have put three children through university, rented numerous apartments as they completed their education, we have impeccable credit with credit scores generally in the mid to high XXXX historically and have never walked away from a debt owed. This is not an issue of money ; we will provide our current bank balances to reflect that we could easily pay this debt off if it was legitimate. These apartment complexes and debt collection agencies operate a very deceiving tactic and tend to generally assume they will get a recovery or settlement by harassing, bullying, operating with intent to destroy the credit files of students and guarantors through their abusive practices. 
I have field disputes for the debt collection with each of the credit repositories : XXXX ( report # XXXX ) XXXX ( report # XXXX ) XXXX ( report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email about a inquiry on my credit report so I checked my report and found several false inquiries on my report which includes XXXX 3 times, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple disputes and attempts to resolve with the creditor  XXXX  and  XXXX , the company has agreed to delete the inaccurate information from my file. All credit bureaus have been compliant, except for TransUnion. The request to withdraw the invalid account was made in  XXXX  and has yet to be fulfilled by TransUnion. I have attached a letter directly from the creditor proving their intent to delete the account and a copy of my credit report from Transunion showing their willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX  has flagged your account as Not more tha n two pa yments past due ( 2 ).   Alert Type : Potentially Negative Found On :    XXXX   XXXX   XXXX   Potentially Negative Alerts notify you when one of your accounts has reported information that may ne gatively impact your credit score.     Balance spoke to  XXXX  last payment made- way  XXXX    XXXX  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who  I relayed my request for resolution! I finally Reached  XXXX  - a  Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

attempted to contact Credit Bureaus but my concerns are being ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

I have {$0.00} balance on my credit card account with XXXX XXXX, yet they continue to report a significant balance to the credit agencies, and have since last XXXX. I disputed it with the credit reporting agencies and their " investigation '' resulted in XXXX confirming the eroneous balance. This is affecting my credit utilization scoring and hurting my credit score.
Product: Bank account or service

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 


XXXX Citi ThankYou points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. 


After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 


On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 


On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 


On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. 


On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 


Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Product: Checking or savings account

My XXXX account was hacked. Then they hacked my Bank of America account. 
They credited me the money back. {$750.00}. 
Then they took it back. 
I wrote them, no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report for its hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} EQUIFAX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Ive have had problems with XXXX XXXX for sealing consumer funds and then sending the consumer to collections leaving the consumer to flip the bill and stealing funds during bill pay debits taking funds assigned to pay a bill creditor claims never received bank show debit but no knowledge of actual funds making it where you have to pay twice on 1 bill, HSBC I found that money will just come up missing with call center and in branch having little to nothing they want to do to help recovery funds, XXXX XXXX XXXX is the only bank that I give award to for outstanding service great with transfers debits and accuracy XXXX XXXX cool made mistakes in the past but fixed them along the way better customer service reps then previous XXXX XXXXXXXX XXXX as well with accuracy but will bug you to XXXX XXXX with text and emails every 5 mins I turned it off and they still do it America as a Corp great I found little to no flaws with them they are very text book and has always offered the helping hand where fair is due they have maintained fairness along the way so for them that means perfect score the only problem I found was the interest accumulation on taxes if that is not paid in a small t of time it turns into the original balance or double
Product: Debt collection

Credit adds no value just raises demand curve, and assumes there is more money than exists. That's right, there is not enough money for these contracts are able to become possible. That is forced majeure before the contract even starts as you will find that unforeseen and uninformed are no different than coercion or duress in citing contracts like time-based royalty or debt invalid. Even so, what is the purpose of any law but to stop fully-informed people from binding themselves to impossible situations - intervention by creditors in the purchasing of goods by consumers is HUMAN ABUSE and certainly not good for everyone because the supply chain is like a torus. What, does share of a business ' sales from voluntary employers not return fast enough for you?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over 7 years old. XXXX should of removed this account in XX/XX/XXXX per information on TransUnion. I filed a dispute and now they said it would be removed in XXXX.
Product: Debt collection

I have a a unverified account from FOCU S RECEIVABLES MANAGEMENT  #  XXXX . I had previously disputed this account. I have never done business with  XXXX   XXXX   XXXX   XXXX . Pursuant to the Fair Debt Collection Practice s Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request thatFOCUS RECEIVABLES MANAGEMENTProvide verification of the following :  1.  ) The original Application or contract, OR Contract Agreement between FOC US RECEIVABLES MANAGEMENT a nd  XXXX   XXXX  and  XXXX   XXXX   XXXX .    2.  ) Any and all statements allegedly related to this debt  3. ) A ny and all signed receip ts 4. )  Any and all canceled checks  5.  ) Original date of default and collection activity begi n 6. ).  Whether you purchased the debt, and if so, the amount paid for the de bt 7. ) The date ( s ) the debt allegedly accrued 8. ) An item ization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FOCUS RECEIVABLES MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are still showing incorrect information. It shows that Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was discharged and satisficed by the courts years ago!! And should have been removed I was educated on by the courts would fall off after being discharged. After starting a business with a bad partnership failed I was left caring more debt then I could handle and was recommended by my lawyers to file. I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an boosted my XXXX score with XXXX  because they have complied and removed the BK earlier this year when they should have and were supposed too. It's been discharged and satisficed by the courts since XX/XX/XXXX. This needs to be updated and removed from Experian and XXXX  as soon as possible to start reporting accuracy and not outdated false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.
Product: Checking or savings account

I would like a full investigation as to what is happening with my funds, where my funds are, when will they be available to me? My direct deposit funds from my company were sent to Capital One on XX/XX/year> as of XX/XX/year> at XXXX PM. I have not been able to access funds for my direct deposit. Capital One isnt even showing me receiving my direct deposit, I will now have late fees And financial consequences due to capital one not providing me with my direct deposit funds I would like fees and cost associated refunded to me. I would also like a copy of the report from this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not provide any method to dispute their findings which were incomplete and inaccurate via any medium they advertise is available Phone, internet etc. Under the law I am entitled to  150  page rebuttal/explanation of any negatives- this was NOT afforded. Report  XXXX . Also they have NOT addressed the security freeze I substantiated earlier was instituted by me and my wife and YOU continue to close the report as if this has been addressed. The issue at hand   XXXX   XXXX   XXXX    was  forced to put incomplete and misrepresentation due to the limitations of response given by Experian in effect setting us up for lower credit FICA score as indicated on my prior complaint today. Opinion I find it repulsive that your agency has not deemed this important enough to pursue further by fruits establishing who you really are and who your really represent! THE SAD JOKE OF THE INDUSTRY IS FICA SCORING WHICH CAN BE PROVIDED IN ANY NMBER OF WAYS BY ANY NUMBER OF LENDERS-
Product: Student loan

In XX/XX/2022 I was accepted and began classes at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I apllied to have my loan deferred with Navient. I submitted for the deferment. I was denied. I was not given a explanation and received no correspondence regarding the denial and now my crdeit is ruined. I still need to have a deferment until my schooling is complete. I am attaching the form that I submitted.
Product: Checking or savings account

U SBank has closed a cash reserve account for no reason on the account ending in XXXX. 
The account was a back up of {$500.00}.
Product: Checking or savings account

Roughly around the first of XXXX I had a payroll deposit of around {$5000.00} come to Frost bank and they instantly froze my account even after I informed them of the amounts that would be going to this account when I open it. Since then I have tried to deal with them 4 times and the account is still frozen and I cant even get my money out that I put in it. It had been more than 10 business days with no response or resolution. I was told I have to wait until they decide to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Checking or savings account

On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my Checking account with Citibank through 2 unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affadavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affadavit for a decision to be made in regards to the fraud investigation. I called the Citibank Fraud department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. 

Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I receieved the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additonal information, and only left a general line to call with questions.
Product: Money transfer, virtual currency, or money service

I sent the wrong amount of ( XXXX ) to the person who the money was going to and the bank told me that I couldn't stop it or get it back it already went to where it was going that's not true the money went to XXXX because the the person had their account attached to the XXXX note
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email telling me that an additional payment I had attempted to make was returned by my bank. On the XXXX of XXXX, I received an email telling me that my account had been closed. When I looked in my Amazon store card account it showed me that my automatic payment had gone through, but the additional payment had been rejected. 

After reaching out to Synchrony, the bank that controls the Amazon store cards they informed me that after the rejected additional payment they closed my account after a single email. 

Synchrony confirmed that the account has never been delinquent and was never behind on payment, however, due to two bad additional payments above my monthly payment in the last 6 months they have closed the account. 

Synchrony made no effort in either of their communications to inform me that ANY NSF payments for any reason could be grounds for terminating an account.
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.