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

On Friday XX/XX/XXXX, my sister wired me {$10000.00} to my Citibank account that I needed to pay bills. The money did not arrive later that day as expected. I waited and on Monday XX/XX/XXXX, when the money had still not arrived I called the sending bank ( XXXX XXXXXXXX XXXX ) after calling Citibank and discovered that they had made a mistake and had left out a digit from my bank account number, so that it was a 9 digit account number, rather than a 10 digit account number. I therefore had XXXX XXXX complete an amendment to this wire. The next day ( Tuesday, XX/XX/XXXX ) XXXX XXXX told me that Citibank had already notified them that they ( Citibank ) were in receipt of the funds but and were transferring it to my account. So I waited another day. When the funds still hadn't shown up by XX/XX/XXXX, I called Citibank 's wire department again and was told that because it was an amended wire it could take between " two and ten business days '' from the receipt of the amendment but that it was all up to the " back office ''. I asked for them to please ask " the back office '' to prioritize it if possible because I needed the funds to pay many bills that were overdue. I waited patiently and called Citibank every other day afterwards to check on the status of the account, and was told by the wire department each time that they had no way of knowing and that it was up to the wire department. Finally, on the eighth or ninth business day after the amendment, Thursday, XX/XX/XXXX, I asked the sending bank for an inquiry into why it should take so long when they had stated that they were in receipt of the funds and were crediting it to my account 9 days earlier. The next day, XX/XX/XXXX, Citibank finally said that the funds had been credited to another person 's account, even though we had only supplied nine digits. On Monday, XX/XX/XXXX, they said they had permission from that person to debit that person 's account and credit my account, but now they were waiting for " official '' permission. I was told on Wednesday morning that they had already received that " official '' permission the previous day and that it was in the process of being transferred. On Thursday, XX/XX/XXXX business days after the amendment, I have still not received the funds, and was just told by the wire department that it could take up to " two to ten business days again '' and when I asked why, they said that they did not know and that it was all up to the " back office '' again and the wire department told me explicitly that they did not know how the " back office '' went about its business. I feel that Citibank needs to know that holding on to my money and taking three weeks ( or possibly much more ) to complete this process is not acceptable nor is not being able to give me a timeline more specific than " two to ten business days '' twice in a row!
Product: Credit reporting, credit repair services, or other personal consumer reports

In dealing with XXXX XXXX XXXX regarding a debt of {$270.00}. I have communicated via US mail 4 times since XX/XX/2019. In which case I have repeatedly asked for information verifying the debt. The company does not respond and are now reporting as a collection/chargeoff which is damaging my cresit. Under FCRA they are falsely reportung and redusing to provide verification of the debt. 45 days lapsed between each letter with no response. Im tired of sending letters asking for verification since legally they have to respond within 30 days AND THEY HAVE NOT and still are reporting fraudulantly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason
Product: Debt collection

The company failed to honor the XXXX  and XXXX XXXX. I received a letter on XX/XX/year> after the XXXX and XXXX XXXX became active. Now the company is threaten to use criminal means to XXXX XXXX person, reputation and property. 

It is the same account number therefore not a mistake and error on the company parts. This is a direct violation of the FDPCA.
Product: Debt collection

Sentry recovery debt collections were told three times that the debt added to my account was not owed by me. I also told them not to contact me at work or personal cell. The company that reported the debt also sent a letter to sentry and told them I was not liable for deby yet they still reported debt to all credit bureaus.
Product: Consumer Loan

At XXXX XXXX in XXXX I took in a Certified Vehicle Certificate for a XXXX Ford Mustang GT convertible which was not granted not disposed in my favor. I was treated unfairly, harassed, insulted by Visitors, Customers and entire staff at XXXX XXXX in XXXX. I was informed by employee that nothing was in it for them, so they could n't grant my certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This is ground for removal. They also stated XXXX account was deleted and it reported XXXX different times after they reported it deleted. They violated my rights. 


15 USC 1681 SECTION 602 I have a right to PRIVACY.

15 U.S.C 1681 SECTION 604 It also states a consumer reporting agency can not furnish a account WITHOUT MY WRITTEN INSTRUCTIONS. 

Also the credit bureau took more then 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

Inaccurate information is being reported with this account. I've contacted the credit bureaus however they said it's accurate. Please do a thorough investigation of this debt.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Mortgage

My attorney ( who was authorized by me ) submitted a request for a Mortgage payoff statement 2 weeks ago to Seterus Inc. She was told it could take 7-10 business days. She followed up several times during that period and was told that it was still within the acceptable window and that the statement was being processed. She was given information during that time frame that she should not have received if she was authorized by me to do so. I followed up today and was informed that she was never truly authorized and that it will take an additional 7-10 business days. Neither me nor my attorney was informed of this. Quite the opposite, we were told everything was within standard procedure. Now, instead of being able to close I may not be able to sell this house. A process that most companies can do in a couple of hours take Seterus a month. They are holding on to the money as long as possible to try and make as much as they can off of the interest, meanwhile I am in jeopardy of being financially ruined. They told me they have the ability to escalate this request, but refuse to do so. Their underhanded business practices and complete lack of compassion and even human decency is appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have reach out via mail, and phone to all three of the credit reporting companies XXXX, Equifax, XXXX, the creditors, and collection agencies companies many times to advise that my identity has been stolen and the accounts reporting on my credit report does not belong to me I didn't benefit nor authorized anyone to use my personal information to obtain any account in my name nor under my social security number. I request that the information on my credit profile be removed and updated correctly. I also requested my wet signature on all documentation that was collected with my authorization to obtain access to my credit profile and add inaccurate information. They have all failed to remove and update my credit report correctly even after being informed of the fair credit act. Please see attached documents.
Product: Debt collection

On XX/XX/2021 I mailed a cease and desist notice to Fair Collections & Outsourcing certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands.. I am notifying you in writing through this CFPB complaint, Pursuant to 15 USC 1692c ( c ) that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. 

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor. I demand all of the following regarding this account for this alleged debt.

-Audit trail of this account for this alleged debt that can include an ( entire file on me XXXX XXXX XXXX all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records, credit application ). 
-Stop all illegal negative reporting and communication to and with all consumer reporting agencies -XXXX out the balance on this account Failure to respond to my cease and desist and or honor my demands will result in me the consumer pursuing legal litigation. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. I have attached a copy of the cease and desist notice that was mailed to Fair Collections and Outsourcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX XXXX XXXX  - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX XXXX XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
THD/CBNA  XXXX Balance Owed : {$0.00} MACYS/CBNA XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report. 

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Product: Debt collection

Commonwealth Financial System is attempting to collect a debt from 2014 for a medical bill in which I was on XXXX that covered everything. The collection agency comes years down the line, without proper notice, and places on my credit report. 

Because they apparently could not have billed the insurance company timely it is not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I did some online work and was supposed to be paid {$100.00}. 

I got an email from Wise saying the payment was ready, which included a link to set up an account. I was not able to set up the account because my bank does not have an XXXX number. When I tried reaching out to Wise, I was not able to get a real person, only a bot which wouldn't connect me to a real person without an account number. 

I tried explaining that I don't have an account number because the website wouldn't let me sign up, but still they would not let me talk to a real person. 

I tried setting up an account manually, but the website would not allow me to see any account information unless I deposited {$20.00}. 

I tried reaching out to them again, was told that a customer service rep would be with me shortly. An hour went by and I asked how long it would be, and was immediately sent back to the bot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all 3 credit bureaus XXXXXX/XX/XXXXTransuion,XX/XX/XXXX roughly 3 weeks ago in writing. I have not received a response. My identity has been compromised. Compromised so much that I cant even get reports online from certain sites likeXX/XX/XXXX. Im being asked security questions that has nothing to do with me or my credit, so when I select the answer thats best, its considered wrong. This is not right. I cant get anything done, and the last thing I need is for my situation to be minimized. To my knowledge you guys can help me with my situation. I need your assistance with getting a response to my situation. 

My wish for resolution would be these items being removed from my credit reports that does NOT belong to me, Im also requesting fresh credit report with corrections for my records. Thanks. 

THE FOLLOWING ACCOUNTS SHOULD BE REMOVED : 1. XXXX Opened XX/XX/XXXX Balance {$2500.00} 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$430.00} 3. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} 4. XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance {$880.00} 5. XX/XX/XXXXXXXX XX/XX/XXXX Balance {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXX. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history. 

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

They did not identify what the amount was being charged, for. {$900.00} XXXX/XXXX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agency to verification on my credit report. They did do one and stated that everything was accurate. I also did a thorough research as well and found improper inaccuracy in my report even after. 

In accordance with the fair credit act XXXX  account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 Section A : It also states a consumer report can not furnish an account without written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX. These hard inquiries were placed on my credit report without my written authorization, which qualifies as identity theft under the FTC 's definition. Since this is my third dispute regarding this matter, I expect these inquiries to be promptly removed as required by law.
Product: Credit reporting or other personal consumer reports

Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a XX/XX/XXXX, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX, nor XXXX   have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
Product: Mortgage

Submitted a XXXX application on XX/XX/22 with Pentagon Federal Credit Union loan officer XXXX De XXXX, NMLS # XXXX. Secured a rate lock of 60 days. All our paperwork was submitted by XX/XX/22 as confirmed by XXXX De XXXX via email. Pentagon has dragged their feet on a simple refi with customers who both have outstanding credit. No issues whatsoever to holdup this refi. When XXXX XXXX, our loan representative could not accomplish anything to complete the process we stepped in to finish the job. The ONLY problem XXXX told us we were having was our XXXX XXXX XXXX dues which are paid yearly, the moment the bill arrives. Our POA went out of their way to submit the forms necessary to secure our closing date of XX/XX/XXXX. XX/XX/XXXX came and went and nothing was done to close on our loan. On XX/XX/XXXX XXXX pm, XXXX calls us and says we are going to need to bring another {$9000.00} to {$10000.00} to closing. Alarmed by this increase I ask him to send me the backup paperwork on this drastic ( doubled ) change in fees. He fails to send the paperwork and instead the original loan officer, XXXX De XXXX, sends a new Rate Lock on XX/XX/22 at XXXX pm for us to sign that extends our rate lock by 1 day but now includes points that need to be paid. Points were not on the original lock in agreement of XX/XX/22. I do not believe they are going to get this process done by XX/XX/22 which is our rate lock expiration. We have reached out to XXXX XXXX, XXXX supervisor, on numerous occasions to remedy this situation with no reply from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX  XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX Balance Owed : {$370.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$13000.00}.
Product: Credit reporting or other personal consumer reports

Im requesting your assistance with a misreported account on my credit report. This error has hurt my reputation, and I need your help to resolve it. Your improper handling has caused severe issues, and I need these mistakes corrected for the sake of my family.