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

On XX/XX/XXXX at XXXX I went to go send my friend some money through XXXX XXXX and my account got blocked after that and I have contracted Citi Bank XXXX times and they said that they can't verify my account via phone number and my phone numbers are on there since I opened this account and they also said that they sent a letter out with a reference number on it and I've been waiting for that letter for 3 weeks and I continued to call them about this issue and they also said that the sent out 3 more letters and I can't close my account because they need to verify my identity to have full access to my account so they can close it so I really need help with this issue and my checking account is still currently blocked and I can only see my savings account on the mobile app and not my checking account.
Product: Debt collection

FLAGSHIP CREDIT ACCEPTANCE received an application from the estate and it was transferred and deposited into their financial institution which then the financial asset which serves as the security is supposed to be registered upon books in which it belongs. This note which is the security belongs to the estate that I am guardian/trustee over and Flagship Credit Acceptance is profiting from the estate property from the interest that the note makes monthly. Equity does not perish the estate is entitled to compensation since the goods received were seized.
Product: Credit card or prepaid card

Nordstrom lowered my credit limit from {$7500.00} to {$1000.00} without notifying me in violation of federal law. When I looked at my credit report and saw this decrease, which had a negative impact on my credit score, I called them and asked them why they had decreased it as I had received no notice. The representative informed me the limit was decreased due to inactivity. I informed her that I never received any notification that it would be decreased, and explained that previously when Nordstrom had threatened to do this, they sent a letter notifying me and I subsequently called in and told them that I did not want the decrease, and they kept it the same. In this case, I informed her I never received anything. She told me that something was sent, and I requested a copy of it. She could not locate or produce anything to provide to me, and when I asked about why not, she went to speak with her supervisor who said Nordstrom was not obligated to send me any notice. She said they were only required to send notice if an account was being closed. When I explained that had not been the previous practice ( as I had previously received notice that the limit was decreased ) she expressed ignorance to this practice. I said it made no sense that they would inform a consumer of their account being closed, but not that the credit limit was decreased, which had an adverse impact on my credit score. I told her federal law requires consumers to be notified of any action that might have an adverse impact on their credit score. Adding insult to injury, when I requested a credit increase I was denied and told it would not increase unless I made months of purchases on the card, which is extremely predatory. I never received notice that the limit would be lowered, then when the limit is lowered ( which decreased my credit score ), I am told the only way to increase it is to make purchases with the card for approximately nine months. This lack of notification, which violates federal law to inform consumers of adverse action impacting their account seems design to engender additional credit debt in a predatory fashion is egregious, which is why I am filing this complaint.
Product: Credit card or prepaid card

Capital one has been blocking me from accessing the funds in my account ive verified and passed security breach questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the Credit Bureaus requesting Deletion of student loan account ( XXXX XXXX ) account # XXXX due to several inaccuracies that is being reported between each credit bureau XXXX I submitted my credit report and highlighted each item that was inconsistent. Approximately a month later I received notification from the bureaus that the account had just been updated. I printed my new report to find that the account ( XXXX XXXX ) still read incorrect information. The bureaus stated that the XXXX XXXX XXXX Account was properly investigated, but how is that possible when the account status dates are inaccurate, the date opened is inaccurate, date last reported is inaccurate, comments, and date last active is inaccurate. This is grounds for the account to be removed. 

The credit bureaus violated my rights under 15 USC 1681 section 604A section 2 : which the law clearly states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes. In this case I was never notified of receipt of my dispute.

The bureaus also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states that if items are found inaccurate or can not be verified the consumer agency reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy being reported on all 3 credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX  XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.
Product: Credit card

The Synchrony Bank Lowes credit card is going to start charging {$1.00} for a paper statement if your balance is over {$2.00} each month. This should be illegal. A credit card company should not be allowed to force anyone into paperless statements. All the other companies who charge for paper statements do not charge extra for this, they give you a credit on your bill if you agree to paperless billing. This gives the customer a choice to go paperless or not. I should still have a right to get a paper statement and not be charged for it.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also your bureau 's indifferent approach to managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the seriousness of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. I have received minimal communication regarding the status of my disputes, and the responses have been generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, please take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXXXXXX
Product: Student loan

I began my loan repayments in XX/XX/XXXX since interest was starting to accrue and I had the funds available. In XX/XX/XXXX one of the loans was fully paid off and I received the paid-in-full notice ( dated XXXX ). In XXXX, a portion of that same loan has popped back up showing I owe {$6900.00} in principal on the loan that was already paid. I have made multiple calls to mohela and end the calls with " we need to review this issue. '' I spent multiple hours going over my payments and bank statements and realized my first payment in XXXX ( paid on XX/XX/XXXX with an effective date of XX/XX/XXXX ) was processed through my bank and email verified by Mohela at {$10000.00}, but Mohela only credited me {$4100.00}. On the most recent call with Mohela they said they could see a payment reversal on XX/XX/XXXX of this year, but yet I never received any refund. In addition, I never requested any payment refund or reversal. I have no idea where the extra money from my payment is and they are still showing the loan as due and accruing interest. Following the last call, Mohela sent me a " financial activity summary '' that shows the past payments, but this still shows that {$6900.00} is showed and no reversal occured. Mohela has thousands of dollars of my money from a loan that was already fully repaid, but they can't find where it is and still show my loan as needing to be repaid with payments starting in XX/XX/XXXX with accrued interest.
Product: Credit reporting or other personal consumer reports

I RECEIVE A LETTER SAYING THAT MY PERSONAL INFO WAS IN A DATA BREACH AND IT WAS SOLD ON THE XXXX XXXX  AN I LOOK ON MY CREDIT REPORT AN SEEN SOME INACCURATE COLLECTION AND INQUIRIES AND ADDRESS
Product: Credit reporting or other personal consumer reports

Experian is reporting a fraudulent account from XXXX XXXX on my credit report. On XX/XX/2024, I demanded validation of this debt, made according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( XXXX ) ( FDCPA ), along with the corresponding federal, state, and state laws. 

Experian did not conduct a proper investigation or thoroughly validate the information provided by XXXX. They only responded that it was a valid debt. This is impossible as this account was not opened by me or authorized by me to be opened. 

On XX/XX/2024, I sent a method of verification letter to Experian per the FCRA section 611 and demanded items to validate the debt. XXXX provided no validation and or proof that this debt is mine.
Product: Credit reporting

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from '' date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Checking or savings account

We had an over draft of XXXX and received XXXX in fees which id over a 500 % intrest. The online tools where not functioning and they acknowledged they were not but said they cant do anything
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Cavalry Portfolio Service is reporting an account placed for collection on my Credit Report for the last 5 years, 11 months. I have attempted to call Cavalry Recovery with no success. I have disputed the account through the credit bureaus as well, they are not working with them to verfiy the account.
Product: Debt collection

IC systems has on my credit. I owe {$290.00} for charter communications. I paid XXXX group. {$310.00}. XX/XX/. I have disputed with all XXXX bureaus and the bureaus say that they verified the amount as accurate. I have all my documents. That says it's paid. I even have from IC system dispute center. I don't owe them. It's unexplained why it's still on my credit and who are the bureaus verification with Because XXXX. IC system and XXXX group says I don't owe them it has been paid.
Product: Checking or savings account

I have been the victim of theft by a contractor, XXXX XXXXXXXX XXXX, who took my deposit of ~ {$60000.00} and did not perform any work. The company manager, XXXX XXXX XXXX, cashed my checks into his company 's 5/3 Bank checking account ( # XXXX ). The account is being used for theft by deception and money laundering. I have spoken with multiple other families who are also filing complaints. The total stolen between the 7 families have been around 500k. I have contacted 5/3 Bank, but we were told that there is nothing that 5/3 Bank can do. They disconnected the call when I asked if they could at least freeze the checking account to prevent these criminals from accessing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently started reporting auto loan to Experian. Disputed missing payment history with experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has submitted information to Experian to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX  credit report as an example of what should be reporting to experian
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WITTEN INSTRUCTIONS. 
COMPANIES : XXXX XXXX {$350.00} XXXX XXXX, 2022 AND XX/XX/2022 I CALL AND I WAS TOLD THE SYSTEM DIDNT HAVE MY INFORMATION AND DONT WORRY ABOUT IT. 
COMPANIES : XXXX XXXX {$570.00} XXXXXXXX XXXX,2022 AND XX/XX/2022 I CALL AND I WAS TOLD MY INFORMATION COULD'T BE FOUND
Product: Mortgage

Mortgage was transfered XXXX I made my payments the way I usually do they had changed the way they accepted them so payments that was made on time wasn't applied on time, they reported to credit bureau XXXX and XXXX was late i sent in proof to them i had paid them to fix it and they didn't it cost me XXXX points taken off my credit score. Then I was appointed early XXXX to pay my own land tax and insurance so come XXXX they paid our land tax and they was not supposed to i tried to get the escrow removed and they said they can't that I had 2 late payments in XXXX and XX/XX/year> which is not true, i paid {$2100.00} to the mortgage company which was the exact amount they sent to pay my landtax, escrow is Nothing but a scam they play tricks to get extra money off me they are scammers that break laws all this XXXX XXXXXXXX needs fixed
Product: Debt collection

I am 100 % debt free and have been for years. 
A XXXX XXXX XXXX 
XXXX left a long message on my landline about my debt. I was going to call them but decided to check them on the internet. What I found was once a person calls them their calls become numerous. So I have turned off my answer machine because I think once the machine picks up it is recorded as a response. 
I do have caller ID. 
A XXXX XXXX . continues to call me. I want those calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered a purse from saks.com ( Saks Fifth Avenue ) and paid for it with my Saks store credit card issued by Capital XXXX. It was order # XXXX. The total purchase was {$390.00}. The purse arrived two days later and I immediately decided to return it- it was not quite what I had expected. I returned it exactly according to Saks procedure, and my account indicated several days later that the return had been received. To date, despite many, many, many phone calls and emails to both Saks and Capital One, I have not been issued a credit. I have received verbal and written apologies for the delay and assurances that the credit would be posted, but there is still no credit. Since the beginning of the pandemic, this is not the first time that I have experienced unreasonable delays in receiving credit from Saks for items purchased on line and then returned. It seems they are trying very hard to hold onto my money as long as possible, but two months and two billing cycles is inexcusable. And I STILL do not have my credit. Anything you can do to help me would be deeply appreciated. And if you choose to publish this information, I would certainly be OK with that because Saks needs to know that customers find this practice completely and utterly unacceptable and unethical. I am attaching a copy of an email from Saks on XX/XX/XXXX indicating that they are sorry for the delay and that a credit would be posted. I received my newest statement from Capital One on XX/XX/XXXX. There was no credit. I called Capital One and they said to wait a week to see if the credit would be posted. It has now been ten more days, still no credit. Meanwhile, I am making only minimum payments on this card because I truly do NOT owe anything to Saks. So now I am incurring interest on the amount due, which I think Saks should reimburse me for as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Add hurricane damage claim.. m & t banks requested check to be sent to them. Then sent to me. I took care of all the damages and sent the reports into m & t. They are refusing to send inspector out so I can get insurance.. And I keep getting notices that I am not making any effort and I've made no contact.. I've made every attempt sent them letters 3 times and have fixed everything with permits..
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX
Product: Mortgage

Lakeviews site has been down and when I contacted them I was told their site was under maintenance, not to mail payment. They could not provide more information and did not disclose that there had been a security breach, which I found out on XXXX. XXXX access is also down. The representative could not provide a direct answer on whether or not there would be late fees if the access wasnt restored before the due date and also made no mention of data at risk. The websites do not provide any information about the breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card has not reported anything to XXXX credit bureau anything to XXXX since 2022. XXXX still claims that XXXX XXXX credit card is active and not closed when in fact the account was closed in good standings XXXX XXXX credit card has failed to provide financial reporting to XXXX on my account. When will XXXX XXXX update my financial reporting to XXXX? And all the major credit bureaus? When will XXXX XXXX notify XXXX that my XXXX XXXX credit card is closed because XXXX claims that the account is still active. XXXX XXXX credit card has not been reporting My financials to any credit bureaus especially XXXX which claims that my XXXX XXXX credit card is still active when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on Numerous dates Ive sent in debt validation letters for this account that has yet to be sent as properly validated. Each bureau has a different spelling of this company for some reason as well, So that alone is a red flag. Also Their rude customer service makes it that much more difficult to resolve any issue over the phone. I want this investigated & erased from all XXXX bureaus.