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

On Friday XX/XX/2023, I tried to make a wire transfer from my marcus by goldman sachs XXXX account to my escrow company. I was notified i could not make the transfer. I was recomended by XXXX supervisor to have my funds transferred to my XXXX XXXX XXXXXXXX XXXX XXXX account which is linked to my marcus by goldman sachs account. I agreed to have the money transferred there. On monday i received a call from marcus by goldman sachs informing me that he apologised they can not complete the money transfer to my XXXX XXXX XXXXXXXX account since it is a business account. He notified me that the funds will be transferred back to my marcus XXXX account by tuesday XX/XX/2023. XXXX XXXX XXXX i called marcus by goldman sachs and they could not text to my phone number linked to the account and locked me out of the account. I informed them that i would be filing a complaint and also a lawsuit against their bank
Product: Credit reporting or other personal consumer reports

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Product: Checking or savings account

I deposited a large check on XX/XX/2019 and repeatedly asked four branches when the check will clear! I got several answers! 

All of it on XX/XX/XXXX! 

{$200.00} on XX/XX/XXXX! 

{$5000.00} on XX/XX/XXXX! 

Several more days after XX/XX/XXXX because it is a large check! 

Seems like XX/XX/XXXX! 

Dont know! 

It is not in the system yet. Call back tomorrow. 
Call our XXXX number! 

Incompetence all round! 

This is a bank? 

Time was of the essence because of an emergency need for the money! 

I was caused much distress and loss of hours of my time!
Product: Vehicle loan or lease

On XX/XX/year> I sent a letter to Huntington National Bank XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX by way of USPS Certified Mail Number : XXXX XXXX XXXX XXXX XXXX, green return receipt requested, requesting more information regarding the auto loan. 

Huntington received the letter on XX/XX/year> at XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. 

In my letter to Huntington National Bank I requested the following information : 1. The Original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing of the vehicle.

2. I would like the entire payment history on this account from start to finish. This history should include the monthly balance, the required minimum payment, and the actual amount that was paid each month. Please be sure to include the date of each payment.

3. The Notice of Sale/Notice of Default, informing me of the date, location, and method through which the vehicle was sold, and how I could have redeemed the vehicle. Please provide proof of mailing for this letter.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter.

5. Any notices regarding my right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter.

6. The invoice of the sale of the property. Please provide proof of mailing for this letter.

7. Details regarding whether this was a public or private sale. If this was a private sale, please specify whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers.

Please respond to this letter by USPS mail. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am. 

I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Case Number : XXXX This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report
Product: Debt collection

I send a certify mail return recipt validation request to Capital management services LP on XXXX XX/XX/year> to validate a debt, company above instead send me a copy and itemized list for what they said I own, I requested in writing on detail by law the right to request this documents, they fail to provide all the information requested, the company does not take this actions seriously and avoid presenting legitimate original singed contract of the agreement with my handwriting signature agree to pay, they do not provide any documents relating my self of being in contract with capital management services LP The erroneous information have impact my ability to get my credit and is causing me financial damages that I intent to remedy by law with monetary penalties if they keep reporting false information in my credit history second request being send to provided properly documentation
Product: Credit card or prepaid card

XXXX application was turn down due few false things they claimed they saw on my XXXX credit report and I dont have a high amounts on my credit cards and I dont have large amount of inquiries reported on my credit file. And my balances on my credit cards are not too high .. this is discrimination and I want to voice my opinion how America express is treating customers based on there skin of XXXX .. and i no longer interested in applying for America express Im asking them to remove my inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

A paid off credit card still in my credit report and the company does not remove it.
Product: Credit reporting or other personal consumer reports

Please remove the following from my account XXXX - XX/XX/year> and update my name as my actual name it's not an alias. I also, have attached my FTC report. Please remove as this inaccurate information is hindering my ability to obtain new credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that the XXXX account was closed on XX/XX/2018. This account is still reporting as open on my credit report and the days that it is reporting as late is incorrect. They claim to state that the information is verified as accurate in which it is not!
Product: Mortgage

I AM A VETERAN WHOM SERVED MY COUNTRY. I HAVE HAD CHALLENGES WITH MY HEALTH DEALING WITH ONGOING MEDICATIONS AND XXXX. I HAVE BEEN IN AND OUT OF THE HOSPITAL BECAUSE OF THE ONGOING HEALTH DIFFICULTIES I AM FACING. I BELIEVE I AM GOING TO PASS, AND I WANT TO PASS IN MY HOME. I DO NOT KNOW IF TO CALL XXXX? GREGORY FUNDING? XXXX EVERYONE I ENCOUNTED AT GREGORY FUNDING AND XXXX IS EITHER RUDE, FRUSTRATED, NO HELP TO ME WHATSOVEVER. I AM FACING A SALE DATE AND NEED TIME TO PAY THIS LOAN OFF AND ALSO NEED THE PAYOFF DEMAND TO KNOW HOW MUCH I OWE. I HAVE BEEN APPROVED FOR A REVERSE MORTGAGE LOAN THROUGH ONE OF THE MANY VETERANS XXXX XXXX XXXX. I DO NOT KNOW WHO TO SEND THIS INFORMATION TO WITH THE SOLE PURPOSE OF OBTAINING THE 90 DAY POSTPONEMENT TO ALLOW THE REVERSE MORTGAGE TRANSACTION TO CLOSE PROPERLY. PLEASE HELP ME FIND OUT WHO MY LENDER IS. PLEASE
Product: Mortgage

On XXXX/XXXX/2016, I notified Freedom Mortgage about my financial hardships and that I wished to go through the loss mitigation process. I received a loss mitigation package from them requesting that I sign a few documents and send back some documentation as well. I forwarded the package back to them via email on XXXX/XXXX/XXXX once I finally received the package. Included in the package was a hardship letter ( per their request ) to explain the hardship I was experiencing. The letter also explained my situation regarding banking accounts. On XXXX/XXXX/2016, as I caled in to make a monthly mortgage payment, I asked if loss mitigation had any news for me regarding my request for modification. I was told by the rep that took my payment, they still needed all pages from my bank account. I explained for the 3rd time, that I did not have a bank account as stated in the letter ( obviously they have not read ), so stop asking and let 's move forward. That rep stated that she was going to notate that on my loan and have a manager review it to get the ball rolling. 

It has now been more than 30 days and they have stopped all communication with me. I spoke with a rep today as I was making another monthly payment and she stated the same thing about the bank account documentation. It is as if they are delaying the process on purpose so that they can foreclose on the home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, account number ending in XXXX. This account was reported as a collection/ chargeoff and is affecting the score negatively. The reporting of this account is incorrect .I still see a balance after it has been chargeoff. I am requesting your agency to reinvestigate and provide all the missing information. Also I would like for your agency to explain why there is a past due balance reporting while the report shows as a chargeoff?? I am sure your agency knows that this is a violation. I command the immediate deletion of this account to ensure that your agency is reporting full and only complete information on this account. You are being informed pursuant to, 15 U.S.C 1681s-2, account name ; XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information, delete all inaccurate accounts effective immediately. 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact inaccurate. 

I am also sure your agency knows that it is a violation to report income to a credit file. 
A charge off is a certificate of indebtedness, which is income and income can not be reported to a credit report...... requesting that your agency receives information of the 1099c the company has filed for this account, providing documentation that this account has been written off as a loss and cancelled. I command this account is deleted and the CFPB acknowledges this agencies malpractice. 


I have provided to your agency that the information is wrong, and you have been notified. Keeping inaccurate info on my credit report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.
Product: Money transfer, virtual currency, or money service

I found a house for rent in XXXX XXXX XXXX  ad on XXXX  ( containing photos, videos, details and a real address ) that I contacted. 
This person with the email : XXXX sent us a rental contract that we signed and then asked us for a first month 's rent plus a deposit for a total of {$2300.00}. Once the sum was paid, this person disappeared with our money. 
This person presented to us with an existing license number, XXXX license XXXX : XXXX and with the name of XXXX XXXX so we had no doubts about the veracity of the announcement. Apparently this is identity theft. 

This person initially asked us to make the payment to the " owner account '' with these data : Bank name : XXXX Bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX While then he changed the data to make the payment, so finally we did it to the " owner 's assistant '' bank account : Bank name : SunTrust Bank Account name : XXXX XXXX XXXX Acct # : XXXX Routine : XXXX Holder 's address : XXXXXXXX Georgia, XXXX XXXX XXXX : XXXX Bank address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX
Product: Debt collection

XXXX purchased our XXXX mortgage loan last XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on XXXX 's reputation. ( maybe we have someone not paying attention? ) Last XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by XXXX. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is XXXX looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked XXXX several people ) to review my policy ( XXXX page ) ; almost all XXXX insurance experts XXXX had no access to it ; XXXX a couple did XXXX when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 I ( 5 ) Charge offs 15 USC 1601 Collections 15 USC 1692 c 15 USC 1681 ( 2 ) ( a ) ( i ) Income is a transaction and experience In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX *Unauthorized Inquiries * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received my FICO from Experian. According to Experian, my FICO score increased by 44 points. Reporting my score as XXXX. 
On XX/XX/2021, I applied for a personal loan with XXXX. XXXX pulled my credit score that XXXX. This reporting is inaccurate. This inaccurate reporting prevented me from receiving the best interest an APR. 

I would like to challenge this reporting. Find out why there is this huge disparity in reporting. I request that XXXX be provided with my updated FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Product: Debt collection

Account # XXXX Name : Consumer Adj Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Resolution : Delete from credit report These accounts was added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. 

These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. 

Please delete these accounts from my credit report.
Product: Debt collection

FIA CARD SERVICES - XXXX, this company keeps calling several times a day, after talking to a live person, explaining to them that we do not have an account with them or have any past due account and to stop calling, they continue to call. They claim they are calling from Bank of America. We told them we DO NOT HAVE AN ACCOUNT with Bank of America or past due amount with anybody. 
They continue to call several times DAILY. They are calling for the correct person BUT we never have any account with the company they are calling from. THEY START ASKING FOR OUR SOCIAL SECURITY NUMBER AND THEY WANT US TO VERIFY THE PHONE NUMBER THEY ARE CALLING. THE CALL IS ALWAYS AN AUTOMATED MACHINE.
Product: Debt collection

I have disputed these erroneous accounts with the credit bureau and each and every time they come back as verified with proof that these accounts are mine. I have been a victim of identity theft and I also reached out to the collection agency per the email on XX/XX/2020 and XX/XX/2020 to PRA dba Portfolio Recovery Associates at this email address : XXXX on several occasions requesting : a copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by me, if the account has been sold to another creditor, then that credit must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to PRA dba Portfolio Recovery Associates. Often such proof will be a bill of sale an " assignment '', or a receipt betweent the last creditor holding the debt. Portfolio recovery association is a third party collection agency and they do not/should not be abiding by FCRA laws. FDCPA laws are the laws for third party collection agencies. Portfolio recovery sent me a copy of statements in which I clearly stated that A COPY OF THE ORIGINAL CREDIT CARD AGREEMENT BETWEEN MYSELF AND THE COLLECTION AGENCY/CREDITOR WITH MY SIGNATURE ON IT was the first sentence in the email I requested in the beginning of this dispute.Also, while disputing I stated if there is any negative information on my credit report regarding these fraud/erroneous accounts they need to be removed immediately! I requested this information on XX/XX/2020 and still have not gotten what I requested only a pre-made letter stating verified from the credit bureaus and a copy of some credit card statements that does not pertain to me. Copies can be made from anywhere I need original documentation which Portfolio recovery failed to do. I have screenshot part of the emails that I sent to PRA dba ( Portfolio recovery associates ) and attached as proof that I emailed this collection agency. If the entire email can be forwarded to CFPB I will do so if needed. Remove these 3 accounts immediately!
Product: Debt collection

I contacted XXXX XXXX XXXX in writing via their website contact portal on XX/XX/XXXX stating the following : Hello, I am working with a debt resolution program called Beyond Finance. On XX/XX/XXXX, I accepted a settlement amount of {$1100.00} from Citibank through the beyond finance program. Citibank failed to finalize this agreement and sold the debt to your company. I have proof of the above offer and date of my acceptance and have attached that below. I am just looking for the settlement amount I agreed to - {$1100.00}. I could pay this off in XXXX separate installments. Thank you. 

I have filed a complaint with the CFPB against Citi Bank for their deceptive practices of agreeing to a debt settlement amount that they never intended to follow through on. It appears that Citi Bank sold the debt to XXXX XXXX, although that remains unclear. 

I was contacted via the US mail by XXXX XXXX XXXX threatening lawsuit. I am simply looking for the debt settlement amount I relied upon and agreed to to be honored. 

As it stands currently, it appears that Citi Bank and XXXX XXXX are working in tandem to abuse and threaten consumers who are in good faith attempting to settle old debts. 

Whether a representative for Citi Bank or a representative for XXXX XXXX XXXX agreed to a fictitious debt settlement offer that I relied upon and accepted through Beyond Finance - the result is still the same. 

These types of practices, where a consumer accepts the settlement offer put forth that was a phony debt settlement offer violates the Consumer Financial Protection Acts prohibition against deceptive acts and practices. I relied upon the settlement offer that Citibank made and negotiated with XXXX XXXX. These practices outlined herein are alarming, violate both state and federal law, disregard my financial situation, and economic challenges many are facing including myself, and highlight unfair, deceptive, and non-cooperative debt collection practices. These practices highlighted herein also raise concerns about Citibank and XXXX XXXX 's commitment to working with consumers to find fair resolutions in times of financial difficulty and also raise concerns about transparency, honesty, and fairness from Citibank and XXXX XXXX XXXX and its legal representatives which is crucial in fostering trust and fairness in financial services with consumers.