23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX BALANCE {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company ( Northeast Credit Collections ) is reporting the wrong delinquency date. This debt went delinquent in XX/XX/XXXX and should be removed from my credit report. This collection company is reporting this debt obtained in XX/XX/XXXX so it looks like it is 3 years old. I have disputed this several times, but they refuse to remove / correct the false information being reported.
Product: Debt collection

On XXXX at XXXX am XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. I am also aware that the Health Insurance Portability Act or ( HIPPA ) regulations in the United States prevent any medical documentation to be shared. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Product: Checking or savings account

On XX/XX/2022, I, XXXX, was trying to electronically send {$880.00} to XXXX XXXX XXXX credit card from my Truist Checking account. By a misplacement of decimal point, Truist sent {$88000.00} to XXXX XXXX XXXX. Because I did not have enough to cover the error, only everything I had, I am overdrawn at Truist by over {$32000.00}. After 7 trips to several XXXX offices and countless phone calls, and after 45 days, XXXX sent the money back to Truist on XX/XX/XXXX. However, Truist has lost the money in transition. Being in that amount of debt and unable to pay bills for this long, has destroyed my lifetime of perfect credit. No one at Truist has any Idea what to do. They continue to push me off, day by day. I am reasonably certain that this issue could go unresolved another two months at least, if not forever. Please help, this has ruined my life.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report that I believe are inaccurate, unverifiable, or outdated. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation and removal of any items that can not be verified. 

Below are the accounts that I am disputing : XX/XX/XXXXAccount Number : XXXX Reason : Late payment reported incorrectly in XX/XX/year>2024. Please provide verification of this late payment or remove it from my credit report as it is inaccurate. Additionally, under 15 U.S.C. 1681c ( a ), I am disputing any outdated inquiries or other inaccurate information on my report. Please investigate these matters and provide written documentation of the results. If these items can not be verified, I request their immediate removal from my credit report.
Product: Money transfer, virtual currency, or money service

Zelle did not have disclosures about sending money to correct recipients. Fraud and scamming occurred multiple times.
Product: Mortgage

I currently have a mortgage with Carrington Mortgage Company. I am currently a 100 % XXXX veteran. I live in a state, XXXX XXXX, that offers property tax exemption to 100 % permanent and totally XXXX veterans. I became 100 % on XX/XX/XXXX. In XXXX, XXXX, I followed Carrington 's advice and went to my XXXX XXXX office and Carrington was notified of my exemption. My tax office reimbursed me previous taxes taken out. At that time we emailed and faxed a copy of my Department of Veterans Affairs Award Letter and NJ Tax Exempt Letter. However, it has come to light that Carrington is still paying my taxes out of my escrow, when I am exempt. My Tax office continues to return payment as over payment. It didn't seem like an issue until on XX/XX/XXXX, when I went to pay my mortgage, and there was in increase of {$2000.00}. When I immediately contacted Carrington, they deflected and put blame on Tax office and they would investigate. 
1 week later I contacted Carrington for an update. Once again I was told, " we are waiting on your tax office '' This is not true. I then went to my XXXX office on XX/XX/XXXX and we called Carrington and nobody answered. Tax office provided me with invoice showing that they sent back {$6200.00}, due to over payment. As I have contacted Carrington on 7 occasions, each time I'm told its the tax office.I can not pay my bill, since this issue is preventing me from doing so. I do not believe Carrington is equipped to handle veterans loans, especially in this type of scenario. How many other veterans are getting screwed over.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as  XXXX   XXXX  which is against  Federal Law   X/XX/17    the bankruptcy was removed from my  XXXX  report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records
Product: Debt collection

Io whom it may concern. I'm writing this letter in dispute of the Medical Data Systems debt of {$140.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I should have received a letter from the collector which includes all of the following : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor To my knowledge I had not received such a letter. The collector may be in violation of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

BlockFi holds customer cryptocurrency deposits in their BlockFi wallet. They advertise that these deposits remain the property of the client, and are not rehypothecated or used by BlockFi.

It appears that BlockFi will file for bankruptcy and they have paused the ability to withdraw funds from these wallets. However, these wallets should not be involved in a bankruptcy as they are not the property of BlockFi.
Product: Debt collection

On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX XXXX  found in XXXX  v. XXXX XXXX   which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
Product: Debt collection

Received alert on my credit report a debt was added for XXXX unpaid {$50.00} due in XXXX. They referred it to Waypoint Resource Group on XX/XX/XXXX. I have copies of the bank payment paid in XXXX. I emailed, faxed and sent via XXXX copies of these documents to Waypoint Resource Group who confirmed receipt of the documents. They told me I had to call XXXX and have them let them know they received the payment. I have made several attempts to contact XXXX who told me that the debt was referred to collections. No resolution and my credit has a bad debt listed.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I successfully wired {$12000.00} USD to Coinbase. Today is XX/XX/XXXX and they have yet to credit my account or return the money.
Product: Credit card or prepaid card

Hello, Chase bank offered me a balance transfer for my Chase Sapphire Reserve card via mail and when I logged into the my banking portal. The offer was 0 % interest rate, for 12 months ( until XX/XX/XXXX ) and then a 20.74 % after the promotional period ends. There was a 5 % fee associated with this offer. I took this offer and on XX/XX/XXXX the {$15000.00} was deposited into my checking account and the {$15000.00} was charged to my credit card ( for what I believed 0 % interest until XX/XX/XXXX ). 

When my credit card statement was distributed today ( XX/XX/XXXX ). The credit card statement said to pay the the full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments to AVOID interest charges. This is not what I believe I agreed to with the balance transfer agreement. 

I called their customer service line twice to understand why my credit card statement said that. Upon calling their customer service line the first time, the customer service representative could not explain why my credit card statement said that or how that amount was calculated. Upon calling the customer service line the second time, again, he customer service representative could not explain why my credit card statement said that or how that amount was calculated. 

It was on the second call where I was transferred to a supervisor that declared that unless I paid that amount in full [ full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments ] that I will not be charged any interested. This is because in the fine print of the contract ( which is being mailed to me in 7-10 business days ), unless I pay that full amount previously noted, I apparently agreed to that any new purchases I am being charged interest from the day of transaction. This is contrast to traditional interest that you incur if you don't pay off your new purchases in full by the due date. 

I believe balance transfer agreement was false advertising, and that is because buried in the fine print ( which I am waiting to be mailed to me and review ) they changed the terms of the original agreement and how they charge interest. It used to be : you incur interest if you don't pay off your new purchases in full by their due date. Whereas now I'm getting charged interest the day of any new purchase. 

The net result is a feeling that a big bank pulled one over on me in the fine print.
Product: Credit reporting or other personal consumer reports

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/2024. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have t XXXX XXXX XXXX XXXX removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY
Product: Checking or savings account

Im very disappointed that Bank of America has charged me multiple times on the same fee for NSF. I thought they were sued over this issue and agreed to pay millions over the unfair multiple fees associated with the same NSF charge. Bank of America has charged me 3 fees for the same NSF because they keep trying to put the payment through. I want the CFPB to know that they are still changing unfair fees and keep putting the same payment through then charging ANOTHER fee
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX & XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Us bank ignoring my pay out, a XXXX $ bonus for opening new checking .I being talking to 3 or 4 Us bank representatives over this situation and even ask them to see what is going on a my situation over the last 3 months. They did go over with me a bout this bonus and that I did satisfied all the conditions that required. 
They all tried the same method helping me by filling out a Missing Bonus on my behalf for the past 2 months and until now still empty promises with a forever silent treatment. 
This is a worst treatment I have never encountered in all my years of banking.
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. 
XXXX XXXX  - Please verify that this is reporting correctly on my report. - I was never late on this at all XXXX XXXX - Please verify that this is accurately reporting on my report. - I do not recall ever being late on this *15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. *
Product: Credit card

on XX/XX/XXXX I got notifications that my card was past due from the credit agencies- never from Bank of America however. Never a phone call, email, or mail. I called immediately to pay the past due amount, was told on the phone that my account was then current ( about {$93.00} ). I received an email after that confirming the payment. I called again on about XX/XX/XXXX to pay the remaining balance by automatic payment - ( about {$73.00} ). Was never alerted to there being any issue with the payment from XX/XX/XXXX. Today, on XX/XX/XXXX, I see through the credit agencies again that my account is listed as 60 days past due. I called and am told that neither payment went through because my credit union and put a stop payment on those payments ( they also did not alert me to this, and I will be following up with them about it ). Bank of America never once told me that the payments weren't going through, even when I called on about XX/XX/XXXX to pay the balance. I got an email that they were closing my account on XX/XX/XXXX - but not XXXX notification that the payments weren't going through.
Product: Payday loan, title loan, or personal loan

I receive phone calls every single day, sometimes multiple times a day from World Finance Corporation. They call from random numbers, different offices, everything. I add each number to my block list. I have been making payments as I can and the loan is not in default. They are still actively receiving the payments and yet still leave voicemails stating " Hey XXXX, it's XXXX with World Finance, I need to hear from you TODAY XXXX. " - called from XXXX. " This message is for XXXX, it is very urgent that you contact World Finance. '' " XXXX please return my call today. '' No introduction. Everyday is a bit redundant especially since I am making payments. If there's an issue with my payments then they should send my account to collections and let me deal with it. Not calling me every single day like I'm secretly withholding money that I certainly don't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress  you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

This is a follow-up of request - XXXX The Citibank team did not answer the request properly, as I complied with the requirements : Open a Regular Checking account in the Citi Gold account package between XX/XX/2021 and XX/XX/2021. 
Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend the {$1000.00} required minimum amount on purchases using your Citibank Debit Card. 
Only targeted Primary Cardholder is eligible to receive this offer and must be enrolled to receive incentive. 

I went online to get a statement of my transactions to show them I was right. 

Unfortunately, I don't have access to that information anymore. 

My request is that CFPB asks them to provide my history with them, and you will see that I complied 100 % with their terms. 

Therefore, please do not close this matter until we see the data. 

Thank you, XXXX