23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Called two different times XXXX pm XX/XX/year> and at XXXX am XX/XX/year> and received different transactions made and different amounts. The account information given to me changed each time I called. The account does not provide a beginning balance and the ending balance for the month. It's a rollover. It shows the amount deposited and the transaction amounts do not add. The name XXXX XXXX appears on statement, I don't have a XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXX XXXX- XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXXXXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992
Product: Credit card

Citibank sent me 2 letters of new terms for 2 accounts ( accts XXXX and XXXX ) which have been closed for over 5 years. I did not receive letters for my 2 active accounts ( accts XXXX and XXXX ). Part of the new terms were that my accounts would be subject to arbitration. I found it unusual not receive letters for all of my accounts. I could reject arbitration by sending a letter stating my rejection. I sent a blanket letter for all Citibank accounts. I received 1 letter acknowledging my rejection for a " closed '' account ( XXXX ). I also received a letter stating that Citibank was rejecting my opt out of arbitration because they said it was n't received by the due date. That account XXXX was opened in XXXX XXXX. I never received a letter stating new terms for that account. My understanding of the law is that a card issuer can not change the terms within a year of that account 's opening. I suspect that there never was a letter sent explaining new terms because they could n't change the terms yet. Also for the 2 accounts that I did receive the new terms, it states on the cover letter that I had until XXXX XXXX, XXXX. Obviously Citibank received my blanket letter as they confirmed the rejection on one account. I have already called them and they are overwhelmed in their " back office '' with customer calls. Probably because they screwed over thousands of other card holders. My account, Citi Thank You Premier, XXXX was opened on XXXX XXXX, XXXX. I want no arbitration on this account. I think Citibank needs to be fined for breaking the law.
Product: Checking or savings account

On XX/XX/2021 I had fraud with my checking account at TD Bank , N.A . Once I realize that the " representative from the fraud dept '' was in fact a fake and the defrauder, I immediately hung up and contacted TD Bank to report the fraud. While speaking to the rep in the fraud dept at TD at approximately XXXX XXXX. - she advised me that the person who defrauded me had also done the same with another TD customer. They had this person 's name, the City and State and the bank in which the funds were transferred and consequently withdrawn from. This information was given to me by TD Bank. I was told to file a police report and to bring the report to a branch to submit to the fraud dept. My claim was denied 3 times. I was never advised by TD in writing or by telephone. I only became aware because I continued calling the fraud dept for a status. I can not understand, if TD Bank is aware of the identity of this person, the fact that this person has done it before why they continue to deny my claim. I had a {$1000.00} stolen from my account. I asked TD to review the recording of my conversation with their representative XXXX XXXX of the fraud dept to confirm that the information came from them. They have not done so. Why not, because then they would have no choice but to do what they are insured for - return my funds. It is unbelievable that TD Bank would treat a customer like the culprit instead of the victim.
Product: Debt collection

It appears that I have a debt that I am not aware of and did nit know it existed until now that is affecting me when I was about to close on a house. I need this to be removed from my credit ASAP. I need for the company to contact me and to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Capital ONE acct XXXX, XXXX Closed accounts I contacted and no one was helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public record XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX-discharged Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my consent.

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is Mr. XXXX XXXX XXXX XXXX and I am a victim of identity theft. I've notified all three major credit reporting agencies, which consist of XXXX   XXXX Consumer Dispute Center, Experian Dispute Center and XXXX Dispute Center. 

I have also placed freeze alerts with these agencies. I have also filed fraud with my bank, XXXX XXXX XXXX whom issued my wife and I new credit/debit cards and changed all usernames and passwords. I have also filed a police report with XXXX California Police Department. 

After I have reached out to Experian several times now in regards to inaccuracies on my credit report they continue to not only decrease my credit score everytime I dispute an inaccurate account or information but they also will not provide me with the investigation procedures and information they collected to validate the account. 

I requested them to provide in writing the investigation information but get nothing. I am being penalized for disputing inaccuracies on my report. Experian requested documents as proof and I have sent these documents to them, I also sent them my Identity Theft Police Reports and FTC Identity Theft Report, Number:XXXX. 

I have received DATA BREACH letters from Experian and still they will not update and remove inaccurate information from my credit report. This is my last straw trying to work with Experian, as I am trying to purchase a home and the total disregard for account verification has been overwhelming. Experian has dropped my credit score by 14 points, 20 points, 22 points, in the last month with no explanation just seems to decrease everytime I dispute the same incorrect info on my report. There is no change in information, so why does my score keep dropping? I am only disputing info that was already on my credit report.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX  / {$6400.00} / XX/XX/2020
Product: Debt collection

Portfolio recovery trying to collect on behalf of XXXX XXXX for a higher amount of {$3500.00} when the judgement clearly states {$3300.00} at 0 % interest. This is a clear violation of the FCRA and they are reporting inaccurate amount to the the credit bureaus.
Product: Mortgage

I refinance my VA loan with SunTrust Bank in XX/XX/2018 due to hardship with payments, as a widow, I didn't have my husband 's income anymore so I decided to refinance the loan to get a lower monthly payment. 
The financing went through and was somewhat satisfied with the results, the payments were lowered from XXXX to XXXX. 
15 months later I was informed that my mortgage had gone up due to not have enough funds in the escrow account and my choice would be to pay the escrow or the monthly payments would go up to XXXX. 
I find myself back to square one with the payments. 
I do not have the escrow amount which is a substantial amount of money for me. 
I have lost 15 years in this mortgage by refinancing for nothing. 
I have tried to contact the loan officer who I dealt with with the loan and haven't got any responses. 
I did contact the Bank and spoke with a customer service representative and got no explanation other than to pay the escrow account and that there is nothing I can do about it. 
I am not sure at this time how I will manage but would like to have some feedback if possible. 
Thank you. 
.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app. Their customer service and unfair practices violates the Consumer Financial Protection Act. Cash app failed to take the time to prevent and address fraud on their platform, leaving my account not protected.
Product: Credit card or prepaid card

I was upset after I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit card or prepaid card

In XX/XX/2022 I was contacted by someone claiming to be from XXXX who told me my computer was at serious risk. This person sent me a link to access my computer remotely and hacked my computer. This person placed an order with XXXX XXXX using my credit card to purchase an XXXX XXXX for XXXX. It was placed with an email account I m aware of and said the delivery was to my address. This person also stole the XXXX upon delivery because it was never received at my address. A claim was filed with XXXX who is unable to locate the package and has issued XXXX a claim. 

I am a XXXX XXXX who was the victim of a fraudster.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$1800.00} at Bank of America ( XXXX XXXX XXXX XXXX XXXX, WA, XXXX, United States ). The next day, XX/XX/XXXX, the funds were made available in my account and the status of the check read, and still reads, " Cleared. '' This check was for services I was to provide to a client, but the client cancelled our business arrangement and asked me to return the funds to him via XXXX. Once the check was cleared, I obliged by my client 's request and returned {$1800.00} in two installments : {$1500.00} sent on XX/XX/XXXX and {$320.00} sent on XX/XX/XXXX, with {$40.00} staying with me as payment for the inconvenience. Two days later, on XX/XX/XXXX, Bank of America withdrew {$1800.00} from my account on the grounds that the check I deposited on XX/XX/XXXX was fraudulent. The lack of communication from Bank of America about the status of the check and the use of the term " Cleared '' to describe a check that in fact had not been verified as legitimate led me to lose {$1800.00} since I would not have sent money to my client had I known the check had not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask Synb/Gap to please remove this account and the bureau 's since it been on for long enough and was hurting me when applying for other credit card/loan.They said and also the bureau 's said it stays on for 7 years. So, i was ok with that since the 7 years was approaching. I opened this account in XXXX XXXX with a credit limit of {$200.00} i was also charged alot of interest.. I was not able to pay XX/XX/XXXX. I was working with a Debt management company to help we handle all the bills in XXXX, but i was having a hard time with them because i had to pay the debt company more money, so i stopped. My account with closed on XXXX XXXX. Eventually i ended up paying Gap the balance.I called XXXX to see when my account date was up and they said XX/XX/XXXX and said why, they said because Synb/Gap reporting to them the same information that they've had for years ago, so that she account stays now now for 10 years instead of 7 years. I have very upset and dont understand why. This is an account that i was delinquent and has been closed since XXXX. This account was suppose for fall off XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX  Check City agreed to waive the underlying balance on the Account, close the account, and not pursue collection of the Account. Moreover, Check City agreed to request the deletion of any tradelines for the Account reported to any credit reporting agency. 

XX/XX/XXXX Check City called in regards to the same debt collection after they agreed to no longer contact me about matter that has been resolved. 

XXXX/XXXX/XXXX  Check City called again harrassing me in regards to same debt, attempting to collect, after I repeatedly told them to stop calling. Check City violated terms of agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove
Product: Debt collection

Lexington Law Firms credit repair service ( marketing affiliate for XXXX  ) engaged in illegal practices Charged Illegal Advance Fees, and Lied About Debt-Relief Results : Falsely advertised accompanied by false claims of, government affiliation that they would eliminate or reduce consumers principal balances by at least 60 percent, that creditors would be unable to collect the debts, and that the programs would increase consumers credit scores for thousands of dollars in fees. In addition, defendants encouraged consumers to pay these fees by maxing out their credit cards. In the end, Defendants programs increased consumers debts, hurt their credit scores, and, in some instances, exposed them to creditors lawsuit Taking illegal advance fees for debt relief and credit repair services. Federal law prohibits the collection of fees before a credit repair or debt-relief company achieves certain results. However, Lexington Law Firm charged and received payment of fees for debt-relief services before altering the terms of consumers debts. Also charged and received fees for credit-repair services without achieving the promised results. Also charged and received fees for credit-repair services without achieving the promised results. Service fees ranged from {$89.00} to {$120.00} in XXXX  monthly and each option offers you unique coverage to fix errors on your credit report. 
Failure to provide proper disclosures about non-payment of debt : The FDA has instructed consumers to stop paying debts on their program. However, they fail to disclose that failure to make payments may result in a consumer being sued by creditors or debt collectors, and may increase the amount the consumer owes due to accrual of fees and interest. To today 's date the three major credit bureaus : XXXX, XXXX, and XXXX XXXX I have ( XXXX  ) inquiries. Please review attachments : XXXX XXXX ( XXXX ), [ Lexington Law Firm case XXXX and XXXX pages ], and Disputes to all three major credit bureaus [ Lexington Law Firm case XXXX XXXX XXXX attachments for review XXXX XXXX XXXX XXXXXXXXXXXX XXXX pages Settlement Agreement XXXX XXXX  XXXX  XXXX page XXXX XXXXXXXX XXXX  pages Lexington Law Firm XXXX XXXX XXXX XXXX inquires XXXX Inquiries XXXX XXXX XXXX Credit Card Report XXXXXXXX XXXX  pages Lexington Law Firm case XXXX pages
Product: Debt collection

Address : TRANSWORLD SYSTEMS INC. 
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 Our Account # : XXXX Balance Due : {$280.00} This is the Sum of the Balances from XXXX Accounts. 

I received an email from these people requesting money. I called the XXXX XXXXXXXX people and they said it is fraud. If you would like me to forward a copy of the email I can send that too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with Experian and and XXXX.