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

A Department of Justice attorney on behalf of the XXXX has issued a settlement check in the amount of {$28000.00} to XXXX XXXX XXXX XXXX XXXX XXXX. The DOJ has proof of the deposit and the amount being cashed that has been shared with XXXX settlement attorney by the DOJ on XX/XX/XXXX. Paid date from the DOJ is XX/XX/XXXX. Check number is XXXX. Status : reconciled. However, Citibank has opted to block XXXX account and has notified him they are severing the account. On XX/XX/XXXX, Citibank XXXX ( XXXX ) instructed XXXX and his lawyer to contact his local Citibank branch to withdraw the transaction and give back the check. XXXX XXXX of the Citibank branch on XXXX XXXX XXXX in XXXX would not answer if her bank would do so when speaking with XXXX and his legal representation. Instead, she hung up on both of them even though they were merely following the direction of Citibank Fraud, of which XXXX was advised. The DOJ has asked that if the bank can not withdraw the transaction and give the check back immediately then to provide a statement so the DOJ can issue a new check to XXXX. XXXX would not answer and again opted to hang up on the callers instead of taking professional and reasonable action by investigating the matter and finding a solution. As of know and because the money has been deposited and cashed with proof from the DOJ, XXXX and his legal representation would like Citi to refund him the money with the interest they have accrued from holding the Federal governments money, immediately. The above is also being shared with the DOJ attorney on XXXX settlement case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well I ask the Credit Bureaus XXXX, XXXX and Equifax to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these XXXX Accounts : XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On or about XXXX XX/XX/2020, and XX/XX/2020 I made two mortgage payment to 5/3 bank. The fist payment amount was for {$690.00}, and the 2nd amount was for {$690.00}. Two months payment for the month of XXXX were made erroneously due to a computer malfunction. One payment was only meant to be made. The computer at that time did not show a curtailment had been made to the account and the new payment amount was not reflecting when I made those payments. 
After about a week I checked my bank account and realized that I had made two payments instead of one. I was okay with making two payments. I was hoping that one payment would be for the month of XXXX. After about a few days I started getting phone calls. I didn't answer because I was working. I called back later only to be informed that my payment had not been made. I spoke to a representative the first time ; who explained to me that I had made an incomplete payment. So she suggested that I take money from principal and apply it to the payment. I agreed since it seemed like the most logical choice. A few days passed and I received another call from 5/3 bank. Asking why I had not made my payment. I explained to the second representative that I had spoken to someone already. They told me they had no record of it. I called the customer service back again. I was explained that my original request was denied because the way the first representative applied the payment was incorrect. By this time I am on the 3rd or 4th representative. I asked her what I needed to do to ensure that I am not late or that it reflects my credit report. She advises me again to take money from the curtailment and apply it to the XXXX 's payment. Which again I agreed. After, two days I get another call from 5/3 bank asking why I had not made a payment. At this point I told the representative to please check his notes before I spend 30+minutes on the phone explaining the same thing for the 3rd or 4th time. He initially told me he couldn't see any notes. I asked if their systems don't talk to each other. After a few minutes ; he goes on to say, that " he does see the notes ''. I asked him if he could please make a note to ensure that I have spoken to a customer service representative and to please stop harassing me during work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a public record on my credit report. The public record was a bankruptcy XXXX  XXXX under my name. Cedit bureaus kept telling me the information was " confirmed by a third party data furnisher, XXXX '' I contacted that company directly and after their investigation, they deleted the account completely. I asked all three credit bureaus multiple times to remove the account because the data furnisher deleted it so it's not there anymore, it can not be verified. None of them will contact XXXX or remove the account.
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 resolution required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( please remove these accounts before I seek litigation for the defamation of character ) XXXX XXXX XXXX Balance {$XXXX}, credit coll balance {$XXXX}, XXXX XXXX XXXX {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

In XXXX I attended two courses at XXXX XXXX University. XXXX XXXX XXXX was supposed to take care of the payment for the two courses which totalled {$1500.00}. They did not due to a time difference for the approval. The payment fell to me. I was unware of the debit. In XX/XX/XXXX my credit was run and a debit in the total of {$1500.00}. Penn Credit held the debit and did not inform me of the debit. I reached out to them to figure out the situation. Again, they never once reached out to inform me of the debit. I then tried to ask them to remove the debit from my credit score due to there innability to follow the FCRA guidelines to inform me of the debit. They refused and quoted only medical debits can be removed. I have paid the debit in full and am trying to now remove it from my credit history because of two different institutions ability to inform me of the debit before it had gotten to a collections point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a card with Commenity BankXXXX XXXX XXXX XXXX Account defaulted. I called to settle the account. I asked them if they would do a Pay delete deal. They told me if I paid the settlement amount they would remove the account from all 3 credit bureaus. I paid the amount they asked for but it is still showing on all 3 bureaus and affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing Fraudulent XXXX XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have XXXX from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I contacted Portfolio Recovery and stated to them after reviewing my credit report I have 2 entries on my credit report with the same account number for 2 different amounts. 

Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account Balance Loan Amount {$2400.00} Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$470.00} XX/XX/XXXX I also asked to please validate the loan in writing, and so far they have not sent me any information on the loan that I requested. Here is what I requested : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX ATTENTION CFPB : The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 


Incomplete and Inaccurate information being reported by TRANSUNION & XXXX : Sometimes when your car is repossessed the original creditor sells the car for less than the amount remaining on your loan which is called the deficiency. The CRA 's are reporting this information as " accurate ''. This is NOT in fact " accurate '' information if XXXX failed to do the following : XXXX failed to comply with UCC : Under the laws of the XXXX XXXX California UCC 9.506 and XXXX RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX DID NOT provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

The company also did not comply within 14 day from receipt of notice of the alleged claim which is now considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA and shall be removed. 

I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Product: Credit reporting or other personal consumer reports

Ive found erroneous hard inquiries on my credit file that were not approved by me. This incorrect information violates 15 USC 1681c-2, and I request its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt held by XXXX XXXX XXXX bought from XXXX XXXX with all three credit reporting agencies. I'm assuming that XXXX XXXX XXXX didn't supply proper proof of validation/verification or didn't report the information in the requisite 30 days. I say this because XXXX removed the information from my credit report as of today. Equifax and XXXX XXXX didn't follow suit and are still reporting the debt on my credit reports.
Product: Debt collection

Conns keeps calling my family members and illegally disclosing details of my debt. They also frequently call 10-12 times a day at all hours on the same day the bill is due.
Product: Checking or savings account

I was robbed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX brought me to the bank to make an in person bank withdrawal and i tried to give it to him in the bank and then he said no and i gave him the cash after outside of the bank. I was heading to a XXXX appointment prior and I just got off an XXXX bus when it happened. The cops have classified it as a grand larceny. I called the bank wether there is a case open or not changes every time i call. I gave them the information. I have record of their lack of response over email through XXXX. A similar situation also almost happened on XX/XX/XXXX but, I wasn't that afraid the second time around.
Product: Consumer Loan

I took a renewal loan with a finance company, after enountering a change in employment and other personal difficulties it had been difficult to pay. This company has been embarassing me over the last XXXX months my situation by going to the homes of the references I listed, one who is my ex-husband who humiliated me because these people went looking for me at his home. They visited my new place of employment and quite frankly at this point I feel very stressed out with this entire situation. This company has exceeded the word humiliate and slander. They have released account information to my realtives and references and I have no where else to turn. I do not want to keep having anxiety or contintue getting embarassing mesages from my peers or employer because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 duplicate XXXX XXXX XXXX tradelines on my credit report for the same two loans. I disputed these items with Transunion through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the XXXX XXXX XXXX. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.
Product: Checking or savings account

As XXXX XXXX,  Bank of America provided me with a Platinum Tier checking account for no charge. After I XXXX, I received no notice of a $ XXXX monthly charge that would begin to be assessed or the opportunity to change my rewards tier or close the account. I have called Bank of America customer service, and they continue to refuse to refund all of the fees. They have only refunded one month.
Product: Debt collection

I checked my credit report with XXXX and XXXX, and found that Source Receivables Management is reporting an unknown account transaction. I've never done any business nor had any accounts with the company. I also never gave any written nor implied consent for the company to obtain, store, share, sell or utilize my identifying information. 

Using my identifying information without my consent is considered identity theft under Federal Law. I am now taking the proper steps to protect my information starting with this notice and complaint. 

I am demanding that the account transaction and associated information be removed from my name and credit reports promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX I never applied for ANY credit on this date or with this company! This is NOT my inquiry. Please remove this
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer reports I noticed that the bureaus are furnishing negative accounts without any verification or proof of validation of this debt or that you followed all laws and regulations to report. To my knowledge you have not completed a thorough and reasonable investigation of the completeness and accuracy of these accounts listed below, in accordance with 15 U.S.C. 1681 ( i ). 
Account Name : XXXX XXXX XXXX XXXX, Open balance {$440.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$3500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$2500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$41000.00} Take Notice. If this matter is not corrected in a timely manner, I have every intention to proceed with the administrative process and hold you all civilly liable as it will be clear you are in violation of 15 U.S.C. 1681 ( e ) ( b ), in regard to my injury. You have 3 days ( 72 ) hrs. to correct the status of my consumer report by removal or a status correction of paid in full of all above mentioned accounts. This is my written direction to you in accordance with 15 U.S.C. 1681b ( a ) ( 2 ). 
ALSO YOU WILL SEE ATTACHED THAT THEY ARE NOT COLLECTING ON THESE DEBTS. 
This is a LEGAL NOTICE and not a letter. 

Best Regards, By : XXXX, UCC 3-402 ( b ) ( 1 ) without recourse/ all rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX
Product: Mortgage

The XXXX XXXX XXXX XXXX  ( XXXX ) administers the XXXX XXXX XXXX XXXX  authorized by US Treasury and the American Rescue Plan Act. On XX/XX/year>2023 AHP signed a collaboration agreement with XXXX, whereby it agreed to participate with the Homeowner Assistance Fund to cure COVID related mortgage delinquency. 
AHP Servicing LLC participated in resolving the mortgage delinquency of an Oklahoma homeowner, Loan number XXXX, XXXX XXXX, property address XXXX XXXX XXXX XXXX, XXXX, OK XXXX. AHP Servicing LLC informed XXXX that the required reinstatement amount was {$830000.00}. XXXX remitted this amount to AHP Servicing LLC XXXX XXXX, 2023. Thereafter, in XX/XX/year>2023 the servicing of XXXX XXXX 's mortgage was transferred to XXXX XXXX. As of the date of the transfer and to this present time, AHP Servicing LLC has neither applied the {$8300.00} to XXXX XXXX 's mortgage nor forwarded the payment to XXXX XXXX. AHP Servicing LLC has not returned any of XXXX XXXX staff 's attempts to communicate about this matter by telephone, email or US mail..