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

XXXX payments! I got scammed on from these imposters saying there working for XXXX XXXX! 
I was trying to start a new job as a XXXX XXXX for the company XXXX XXXX and I had gone through the training with these fake poeple and they said once I finish I would have to send them money for materials for the remote desk! And then they would reimburse me! I did the transactions online, This never happened and I never got my money back! They scammed me! We would have communication on XXXX! I sent XXXX  bucks then XXXX and another XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on XXXX, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST 7 YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Second written request in writing to Transunion Consumer Info Services, on XX/XX/2019, to have a copy of the original creditors documentation and signed contract on file. to verify that this information is mine. After the first investigation. I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails from the Transunion credit bureau that the account have been updated and verified and is still listed as an open reporting account. # XXXX XXXX  XXXX XXXX XXXX {$730.00}
Product: Credit reporting or other personal consumer reports

I had a balance with XXXX XXXX XXXX  which was well over the correct amount owed. I tracked down the debt and paid it through XXXX on XX/XX/20. The amount was {$3300.00} with a fee of {$97.00} for XXXX service fee. This account is still on my credit report being reported by XXXX XXXX XXXX with a balance of {$6500.00} as it's been collecting interest. I've reached out to the credit bureaus, to XXXX XXXX, and to XXXX XXXX XXXX. I have had no luck with reaching XXXX or XXXX XXXX who took the payment. This is drastically impacting my credit score and unfair as the debt has been well paid.
Product: Debt collection

Hi- I have asked Transworld Systems Inc three times to stop calling me, as they are calling me at all hours of the day ( this morning at XXXX ). I have called them and asked them to remove me from their call list, they said OK, but continue to call. Today, after getting a call at XXXX, i called and asked to speak to someone on why they are calling me. They asked if i know someone, who i did not, and said they were trying to reach that person. 
After researching this company, it appears they are debt collection firm. They should know how to do skip trace searches and indicate appropriate numbers to reach out to, for debt collection purposes. Additionally, they should know if a person asks to stop being contacted, they should seize communications. Furthermore, they are not allowed to call prior to XXXX. All of these are FDCPA violations and should be reviewed further for CFPB investigation. I am filing this complaint in hopes the CFPB can investigate this companies debt collection practices, as they are clearly violating FCDPA requirements.
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 despite the multiple previous written requests. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX
Product: Bank account or service

I am complaining about my experience at the Citibank branch on XXXX XXXX in XXXX. I visited the branch with my mom to check our checking and saving accounts, but we were told that my mom 's checking and saving accounts were closed due to inactivity. To even more of a shock, we found that her account was deducted monthly service fees for years while she was abroad until the point that Citibank decided to close her account and report unclaimed property to the State of California. 

I acknowledge that it is her fault not updating her address, but there is a contact number and email on file. If Citibank did exert a minimal level of due diligence, they could have easily reached her without having to resort to this action. 

As we met with XXXX XXXX XXXX, the Branch Manager, not only did he act like he was not able to help but also show contempts towards us! He said : " when your mom went back to XXXX, she should update her address. We have so many international clients, and we can mail her statements internationally. '' First of all, we are not from XXXX - he judged us based on our races/appearance. Second, we already acknowledged that we did not update the address, so what is the point of repeatedly mentioning this without really addressing the problem. He then went on to say " we only have your mailing address on file, so that is the only way we can contact her, '' but he later found out that a phone number and email address were clearly listed in the profile. He was not actively trying to resolve our problem, and instead just beat around the bush to ridicule us. He did not show empathy to what has happened to us, and made jokes about there are people like us too by saying " there customers who thought they have their vacation money, but only to find out their money is gone. ( laugh from the manager ) '' I think XXXX XXXX XXXX was not behaving in the manner that I would expect from a customer service perspective. He was demeaning and showed contempts to customers. 

I hope you can seriously address this issue, because I am now very upset about Citibank 's lack of due diligence in verifying accounts of inactivity, deducting service charges without notifications, closing accounts without verification, and also the unprofessional demeanors of XXXX XXXX XXXX. Thank you for your attention.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows 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 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 XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion and CFPB on several occasions that my account # XXXX is not reporting accurately. This account has not been updated in 9 consecutive months as of XXXX and Transunion continues to ignore my order to correct. Statements for XXXX, XXXX, and XXXX have been attached to validate my complaint. My current balance of {$150.00} reflects in the screenshot for mentioned account. Refer to attached XXXX report that confirms last report date and accuracy of account as reported by XXXX and XXXX.
Product: Mortgage

I have repeatedly contacted PennyMac requesting an explanation for inaccurate info listed on past payment breakdown sheet and mortgage statement. PennyMac will simply not respond and furthermore can not explain why they are showing XXXX in fees on the past payment breakdown and XXXX fees on my mortgage statement. 

Please be advised that the XXXX is actually escrow and the XXXX is actually a refund from this past XXXX when a double payment was mistakenly made. This inaccurate reporting of information is making it impossible for me to get a Home Equity Line of credit through XXXX XXXX 

PennyMac has refused to give me a letter of explanation to give to the bank and has refused to correct information on their part. 
Instead, they tell me that I can just get a HELOC through PennyMac. Sadly, I think this is being done on purpose and I am greatly concerned as the numbers, per XXXX XXXX, do not add up correctly when looking at past payment breakdown sheet. Please help me get this fixed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Zelle transaction was a scam and fraudulent. 
Posing as a friend of mine on XXXX and she was helping out sell he dads things and need a deposit to hold the item. Sent but it was a scam on her page.
Product: Debt collection

XX/XX/XXXX, I signed on to a year 's lease agreement with XXXX. XX/XX/XXXX, I gave notice of early vacation and moved out by XX/XX/XXXX, fully aware that I was liable for a re-letting fee of {$790.00}. XXXX did not formally bill me this value, nor did they ever contact me after my move. My first knowledge of any indebtedness was when, upon investigating my own credit report XX/XX/XXXX, I discovered Rent Recovery Solutions claiming my delinquency on an account totaling {$1300.00}. I investigated the nature behind the {$500.00} discrepancy and discovered that XXXX and their management company XXXX XXXX XXXX XXXX had added additional charges on to the original re-letting fee using fraudulent evidence to claim I was residing in my apartment past my move-out day. 

Only after I began investigating these additional charges was I first contacted by Rent Recovery Solutions with a demand for payment. I offered tender for {$790.00}, the only legitimate amount I may have owed, and their representative refused, citing the full amount. He additionally told me that if some of the charges were placed in error, I was welcome to send evidence to their auditors to review. 

I have sent numerous communications to Rent Recovery Solutions presenting evidence of the illegitimacy of the additional charges. I have filed complaints to the XXXX on the matter seeking resolution. I also contacted Rent Recovery Solutions through XXXX credit dispute system. Each time I have offered to pay the {$790.00}, and each time I have been refused, either through non-communication or a re-affirmation that they would only accept the full amount of {$1300.00}. It has now been over one year since the account was reported to the major credit bureaus, and it has been three months since I was first made aware of the alleged indebtedness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX XXXX and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. I do understand COVID has impacted the world but it seems as though I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Product: Bank account or service

Received an email from my bank regarding suspicious activity on my debit card. Somebody used my debit card to make a purchase at a XXXX in Georgia Friday night ( XXXX ) while I was out with my fiancee in XXXX Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a consumer of the US and i recently got a copy of my consumer report and noticed several unauthorized inquiries. Attached is my letter sent to transunion regarding this matter along with a identity theft report.
Product: Credit card

MY latest dividend was endorsed not to myself but rather to CITI. CITI has not credited my account, nor have they returned MY bond. I've also sent a registered letter to XXXX XXXX, requesting my security interest not be withheld from me ; followed up with a brief note stating, " Hello XXXX, I'm following up on a registered mail item I sent you regarding account no. XXXX. Please respond asap. Regards , XXXX XXXX XXXX '' Both of my letters have been ignored. 

Note, LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page 78, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. ''
Product: Credit reporting or other personal consumer reports

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports.
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX XXXX  Account XXXX. XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX XXXX  account listed on my credit report. This account was in an active forbearance agreement, and as such, late payments should not have been reported during the forbearance period. 

Under the CARES Act and related consumer protection laws, creditors and lenders are required to report accounts in forbearance as current if the borrower was current at the time the forbearance was initiated. Since my account was placed in forbearance during this time, any late payment notation is inaccurate and in violation of federal guidelines. 

The late payment notation on my credit report is misleading and is causing unnecessary harm to my credit profile. I am requesting that this inaccurate remark be promptly investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough reinvestigation of disputed information, per Section 1681i ( a ). I am asking that you verify the reporting accuracy of this account with XXXX XXXX  and ensure compliance with all relevant laws. 

To assist with your investigation, I have attached copies of the following : 1. The forbearance agreement from XXXX XXXX  ( if available ). 
2. A copy of my most recent credit report highlighting the disputed late payment. 

Please provide written confirmation of the results of your investigation within 30 days of receipt of this letter. If this late payment is not removed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 

Thank you for your prompt attention to this matter. You may contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if youd like to customize this further.
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

Applied to the School Misconduct Discharge and was denied with a vague response, as follows : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : XXXX  carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' Requirements and factors are not defined and are hidden. Need explanation of such as I am a member of other discharges for other loans that were made for this same school that defrauded me.
Product: Prepaid card

Sooooo embarrassing! Sooooo frustrating! Below, please find my order of qty. XXXX {$50.00} total of {$1000.00} Amex gift cards, purchased directly from AMEX. 
XXXX gifts for family! 
NONE of them have been accepted! 
And myself and family see that XXXX and social media says EVERYONE is experiencing the same issue! These are no longer accepted anywhere we have tried! 
XXXX denies. XXXX XXXX denies. XXXX denies, etc... etc... 
These were purchased as they promise to work anywhere AMEX is accepted. 
This is FALSE advertising! 
For years and years we purchased these with no problem. 
AMEX is AWARE of all of these complaints. They are aware consumers can not use these cards as promised, and still they sell them!
Product: Vehicle loan or lease

On XX/XX/2023 I was returning a call to office of the president for my auto loan. I went through all the normal verification of social security number and date of birth which the rep always thanks you for verify information and says they have account in front of them when they answer. Only this time when representative shouldve started talking it was an open line to which I said hello, several times and then a child started talking said something and disconnected the phone. I called back immediately, explained what happen and they pulled the call. Representative confirmed it def sounded like a child and a complaint would be handled internally!!! What about a security and rights to privacy? How many others times has this representative allowed someone else to do this? I wanted my loan either paid off so I didnt have to deal with them any more and was told there was no security breach????