23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I requested XXXX XXXX XXXX your XXXX to ship my motorcycle XXXX XXXX  year XXXX they proved me with a bank account and all information, I copy past it to my bank to create an account then transfer the money as per there email dated XX/XX/XXXX the total amount {$1500.00} was transferred as per my bank email I provided them but XXXX representative said they didn't receive the payment, I requested them to contact there bank they refused, they asked me to recall the payment I did ask my bank on XX/XX/XXXX to recall the money but there bank refused to release back the funds dated XX/XX/XXXX Account details : Company Name XXXX XXXX XXXX. 
Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Company Email : XXXX Phone # XXXX Account number XXXX Routing number ( ACH ) and ( Wire ) XXXX XXXX  code XXXX Bank address American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I need you to confirm that XXXX  received my money transfer dated XX/XX/XXXX Thank you and regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on Experian it is notreporting a closed date or a last activity date. On XXXX and Experian there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, XXXX, and Experian. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX  : XXXX XXXX XXXX NY : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX... has violated my rights. 

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.
Product: Debt collection

I became underemployed due to my son 's health issues. XX/XX/XXXX, XXXX XXXX suddenly raised my minimum payment from {$1200.00} per month to {$2100.00} plus per month. I called XXXX XXXX continually, explaining that I could not pay this amount, because I am underemployed due to my son 's health issues. I also changed my account from a platinum card to a green card, to lower the yearly fee from {$400.00} plus to {$55.00}. Even though they could see that I was struggling financially, they refused to lower the monthly payment, continued to charge me interest on my card, as well as fees, and even though I made payments, they still reported me as late if I did not meet their high minimum payment. Still, I paid what I could as often as possible. On XXXX XXXX, I paid XXXX {$2100.00}. On XXXX XXXX, I paid XXXX {$500.00}. On XXXX XXXX, I paid XXXX {$1000.00}. On XXXX XXXX, I paid XXXX {$1300.00}. On XXXX XXXX, I paid XXXX {$200.00}. On XXXX XXXX, 2015, I paid XXXX {$1000.00}. On XXXX XXXX, 2015, XXXX filed papers to sue me, even though I had been paying them as much as I could as often as I could.
Product: Mortgage

XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX   against XXXX XXXX and XXXX XXXX, So far I have been fighting the bank and legal system and is getting nowhere, The Bank previous attorney XXXX XXXX in and around XX/XX/XXXX entered into a settlement agreement with the New York State Attorney General Office and paid a fine of {>= $1,000,000}.

My case is just a number for Judge XXXX XXXX XXXX and XXXX XXXX XXXX, No one wants to spend the time to review my case and as a result of this my house was sold back to the bank and I was served many notices to vacate the property on XX/XX/XXXX I kept hiring and paying attorneys and accountant to modify my loan, it was always rejected, my original loan was {$580000.00} and the bank sold it to themselves through the referee for {>= $1,000,000}, This is big business for the bank and Attorneys, no wonder they would not modify my loan.

The bank has been taking advantage over my situation and the courts have cut off my rights to defend myself. The Plaintiff never resolved my pending answer since XX/XX/XXXX and convinced the court that I never appeared.

I request that someone-one with a sound ethical standard review my case and stop this foreclosure process. I need to have a home to live in.
Product: Debt collection

This complaint is about LVNV Funding. I XXXX XXXX am further requesting documentation to be provided to me as I did not receive any correspondence from LVNV Funding. The documentation I am requesting will be provided below, attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX  XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/XXXX  XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letter to Equifax credit bureau the date of the last letter was on XX/XX/XXXXXXXX XXXX. And now we are in the month of XXXXXXXX XXXX  and still nothing from them. that means the Equifax credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank, Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Product: Credit card

Capital One mailed a letter to me dated XX/XX/24, which I received yesterday, XX/XX/24. In this letter, they indicate they are closing my account because " it is not consistant with our expectations for account usage and violates the Capital One Customer Agreement. '' I have made all payments on or well before the due date, paying them in full normally. Because I am on Social Security, I have stopped paying the entire balance ; I only make a {$200.00} or more payment. I have been late once in the last several years I've had this account, as near as I can recall and only recently. 
I am very, very upset about this high-handed form letter, and am submitting this complaint because I feel I am being discriminated against due to a lessened payment and that I am on Social Security XXXX They have never NOT gotten a payment from me in the entire time I've had this card and I do not expect to not pay the balance. Thank you for your assistance in resolving this problem.
Product: Money transfer, virtual currency, or money service

XXXX XXXX of XXXX XXXX received a wire transfer in the amount of XXXX after impersonating a different XXXX XXXX on XXXX  and acting as if he was a crypto trader. He sold his services and once the wire transfer was complete he said he started trading the money. He stated that my return would be available in 7-14 days. Today he advised that the exchange was complete and I could withdraw the money. I initiated the withdrawal but he sent an email to me stating I needed to pay 10 % commission prior to him releasing my earnings. I asked him to take the commission out of the earnings. He said his company could not do this that I had to send him the XXXX. I asked him to call me he sent me a XXXXXXXX XXXX # to call him on. When I confronted him about it being a scam he immediately hung up on me. I asked him to release my initial investment and he could keep the profit but he quit responding. Im out XXXX and have no idea how to even contact this person because the real XXXX XXXX is saying he was hacked on XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED INFORMATION TO BE REMOVED AND THEY KEEP RESPONDING UNABLE TO VALIDATE NGO SURVIVOR ALLIANCE IS A NON GOVERNEMNTAL ORGANIZATION REGISTERED IN US 501 ( C ) 3. TAX ID : XXXX REGISTERED IN UK CIC. REG NO. : XXXX I AM A VICTIM OF HUMAN TRAFFICKING, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a call from XXXX rep after I placed a complaint with FCC regarding improper billing due to me closing the account. And they didn't close my account on time resulting in XXXX dollars charge. I paid it over the phone even though I didn't agree with that charge. However now the collection agency is refusing to remove the charge from my credit report. And the charge is double on top of that. Meanwhile XXXX is refusing to give me XXXX balance statement. I need that fixed right away. I was a XXXX  customer for over 15 years and never late. I feel I am being scammed. Please help.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased four tours with XXXX for a future trip to XXXX, using my Citibank Credit Card. 

When the international borders were officially closed due to Covid, I attempted to cancel the tours and get my money back from the merchant, XXXX Merchant refused to give my money back and offered vouchers I then contacted Citibank to dispute the charges. 

Citibank opened a dispute on XX/XX/XXXX ( see XXXX billing info attached ). I was issued a temporary credit until this matter was resolved. This was a very convoluted process with Citibank since customer services did a poor job answering my questions. 

On XX/XX/XXXX, Citibank reversed the credit and resolved the issue in favor of the merchant. Within the same billing statement there was a temporary credit in my favor XXXX XX/XX/XXXX XXXX and a reverse of the credit in favor of the merchant ( XX/XX/XXXX ). This information can be found in my XXXX Invoice, which is attached. 

On XX/XX/XXXX when the XXXX statement was due, I paid it in full through " Auto-pay ''. Therefore, despite disagreeing with the resolution, I paid the amount owed to XXXX. 

On XX/XX/XXXX, Citibank issued a new statement with three new charges for XXXX. 

On XX/XX/XXXX, upon verifying the statement, I called Citibank to dispute these charges, since I had already paid for them in as it can be verified by the XXXX statement ( also attached ). 

This resulted in endless calls with Citibank customer service, dispute center, and fraud department. 

On XX/XX/XXXX After multiple attempts to resolve the matter with Citibank, I filed a complaint with CFPB ( Complaint Number XXXX - also attached ) On XX/XX/XXXX - Citibank, through Auto-pay, charged me the full payment for the XXXX billing cycle, minus " credit '' for part of the dispute they claimed they overcharged. ( Please see " Account information document attached ) On XX/XX/XXXX, I received a letter from Citibank explaining that these charges were not fraudulent, but rather in reference to the XXXX dispute. ( Please see " Reply from Citi attached ) On XX/XX/XXXX, I called customer service again. She informed me I could open a dispute. However, I am here going in circles with Citibank, trying to explain to them, since XXXX, that I already paid for the reversal of credit in favor of the merchant. They are now billing me twice and they deducted this amount from my auto-pay twice, as you can verify by the records attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; Santander Consumer USA. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where Santander Consumer USA are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692
Product: Credit card

{$20000.00} fraudulently charged to my XXXX XXXX card, the charges were done to a XXXX  store in another country in foreign currency was told by supervisor in fraud from navy federal credit union that XXXX was the country. I never ordered called no XXXX  store in XXXX the phone call using navy federal credit union name deceived me to think I was talking to someone from navy federal credit union
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 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  XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX   XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Trans-union Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please refer to the inquiries below : Business Name : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Name : XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX BANK Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance Companies - non specific Business Name XXXX BANK XXXX. 
Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Bank XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX Business Type Complete Department Stores Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Home Furnishing Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Miscellaneous and public record Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Banks and XXXX & XXXX Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance, personal
Product: Vehicle loan or lease

All NORMAL PAYMENT Processing {$200.00} XX/XX/XXXX Normal Payment {$650.00} XX/XX/XXXX Normal Payment {$200.00} XX/XX/XXXX Normal Payment {$300.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX Late Fee Waived {$5.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Payment Reversal - {$280.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX While payments will post to your account when made, it XXXX take up to XXXX hours for you to see them on XXXX. Please check back at a later date if you recently made your payment. If you have any questions about your account activity, please contact customer service at XXXX. 
Principal Only Payment {$18000.00} They only updated past due amount owe. My credit report is still showing late payments and that I owe them {$23000.00} and that is false information. Everytime I call they say they can not help me and they have nothing to do with credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX  XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my SLS mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX  XXXX XXXX and SLS mortgages were paid off in XXXX on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Product: Credit reporting or other personal consumer reports

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The XXXX XXXX XXXX Acts compliance procedures section, XXXX XXXX XXXX ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, XXXX XXXX XXXX "
Product: Debt or credit management

In XXXX to XXXX I use Lexington law firm by paying them to help fix my credit and they did not fix it and my credit score never went up it stayed the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Self Financial / Lead Ba Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.