23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX - XXXX I just took a look at my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon complection
Product: Checking or savings account

Chase bank decided to restrict my bank account on XXXX, XX/XX/2022. I was never given a reason for the bank to close my account. I spoke with several chase members telling me multiple different statements, ultimately a branch manager told me that I would be able to withdraw my direct deposit which came in on Friday, XX/XX/XXXX in a few days. I went into a chase branch to withdraw them and I was told I could not withdraw them on XX/XX/XXXX. I filed a complaint with the bank and was told that I would be receiving a phone call by corporate the next day which I did not. I keep getting transferred from department to department, from different chase representative to the next one hearing different stories from everyone. I just want my money out of my checking account. Chase has continued to lie to me in person and on the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized hard inquiries on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not recognize or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part D 1666b Quick search by citation : Title enter title Section section 15 U.S. Code 1666b - Timing of payments ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I successfully received my XXXX credit report online, but was unable to access both my XXXX and Experian credit reports. 

Instead I received a message stating 'an error occurred ' after following the online prompts for the two subsequent reports after downloading the XXXX report. 

On attempting to regain access to the two reports I didn't receive, a message was displayed stating I had already received my free reports. This was a false statement as I did not receive either report from Experian or XXXX.
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : SYNCB/TJX XXXX XXXXXXXX  XXXX Date opened XX/XX/2022 Balance : {$320.00}
Product: Credit reporting or other personal consumer reports

I was apart of the XXXX XXXX  borrowers defense loan dismissal back in XXXX. I was approved 100 % for this loan to be forgiven/dismissed. I have called several times in regards to this being removed off my credit. I am current in the process of trying to buy a house and this is not removed. I am highly distraught by this. This has not only affected my credit but also my health as i am in constant distress. My case number is XXXX. This needs to be removed from my credit as it is hindering me from buying a much needed dwelling for my family.
Product: Credit reporting or other personal consumer reports

information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

None of my other cards have this problem. Citibank has prevented me from paying off my balance in full, which then forces a minimum interest charge multiple months in a row. 

The way they work it is : - the do not allow payments of more than the LAST STATEMENT balance. 
- they do not bill the minimum finance charge until the day the statement closes - this results in new charge for minimum interest AFTER paying off the statement balance, which then accrues interest until the close of the next statement. 
- this wouldn't be a problem if they didn't prevent payments of more than the last statement balance so I could pay the interest Next result : citibank has made it impossible to pay off the entire current balance including interest so that any single late fee results in a minimum of 2 months of fees. 

Every other card I have allows me to pay the CURRENT balance. That is all it would take to make it possible to incur a fee and pay it off completely on the next month.

Citibank has it set up so EVERY fee or interest charge results in additional fees ( minimum interest payment ) in the month following, so two months of paying fees for a single late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times on XX/XX/2021 - XX/XX/2021 about a dispute that I mailed to them Certified Mail through USPS on XX/XX/2021, tracking number XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/2021. They stated that they had the dispute and it would take 5 business days to show that it was in process. It still does not show that it is in process. I dont even think they are re-investigating. Every time i call they give me the same answer which is that they are working on it. If i understand correctly, this should be showing on my credit report.
Product: Checking or savings account

Hello, I had a terrible experience with Citi Bank. 

I opened a checking and savings account based on a promotion about 6 months ago. The promotion involved depositing {$15000.00} into the accounts, keeping the funds for 60 days, and receiving {$400.00} 90 days after those 60 days. Within the past 6 months, I have been calling Citi several times to make sure that I qualify for the promotion. Every time, Citi has confirmed that I qualify. I called in XX/XX/XXXX to make sure I completed the needed activities ; I called in XX/XX/XXXX to make sure I will receive the bonus in XX/XX/XXXX ; and, after not receiving the bonus in XX/XX/XXXX, I called XX/XX/XXXX - during all of the calls, the Citi representative on the line confirmed that I qualify for the bonus. However, during the last call, on which I spent over 50 minutes on the phone, Citi refused to transfer the bonus and informed that I do not qualify for the bonus as the {$15000.00} was not transferred in time. Citi also told me they emailed me on XX/XX/XXXX to explain that lack of qualification, but I do not have any emails from Citi from that date. 

I was lied to by Citi for the past 7 months, as a result keeping my money with them instead of investing it elsewhere. If I had invested in a high yield savings account, I would have accrued at least {$150.00} off that money. I also could have invested in other checking accounts with similar promotions, which would have resulted in more than {$150.00} returns. Instead, I am left with wasted time, frustration, and lost financial opportunity. I have spent over 3 hours collectively on the phone with Citi trying to resolve this. Citi representatives have been less than concerned with the problem and the potential loss of a customer. 

This kind of behavior and low ethical standard are not acceptable for a leading financial institution. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX with Executive Customer Relations at Ally Bank XXXX wrote a statement XXXX attached ) stating she would remove the inaccurate reporting to the credit reports. i am now writing 9 months later as this problem has yet to be resolved. XXXX attached credit report images ) please expedite this request and fix ASAP. 

thank you
Product: Debt collection

Portfolio Recovery claims to have bought debt from credit card companies that have charged them off. They file derogatory reports on my XXXX XXXX Credit report, and others, that negatively affect my credit score. If it  persists, they will find themselves in a number of consumer reports filed against them at every possible agency involved in protecting consumer rights. If they can not bring the issue to a court of law, obviously they have no credibility in collecting the debt and can only harass and threaten me. I will also file a complaints against the credit reporting agencies. 

Companies involved : Portfolio recovery XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I am very left out with details regarding the financing on my Tally loan that was transferred to XXXX XXXX XXXX XXXX XXXX XXXX ( SST ). I have paid {$390.00} online, which is reflected online, but it does not show in my balance. When speaking to the rep at XXXX XXXX XXXX XXXX XXXX XXXX, he advised me that the payment of {$390.00} was posted to my account. {$350.00} went towards interest, and {$35.00} went to the principal. 

I am so confused with the company and its practices. Every time I call, this company tells me something different. I feel like SXXXX XXXX XXXX XXXX XXXX is hiding something and cheating me out of my money.
Product: Bank account or service

My daughter, XXXX XXXX, was hired by a XXXX, XXXX XXXX XXXX, as his administrative assistant. She had answered an add online and communicated via emails with the knowledge that he was to arrive in XXXX within a week 's time. One of her duties was to set up a new office in XXXX, Colorado. She was also to send money to an XXXX XXXX in Arizona via XXXX XXXX. Her employer was expected to arrive in XXXX on XXXX XXXX and then she would have her first meeting to discuss the office location. 
A cashier 's check arrived to her home to purchase equipment and pay the XXXX XXXX. She took the cashier 's check to Wells Fargo Bank and asked the Teller to cash the check. She proceeded to take a percentage of the money to XXXX XXXX and paid the XXXX XXXX. She is a college student and has no expertise in determining if a cashier 's check is good or bad. My daughter relied on the expertise of the Bank, Wells Fargo. She learned a few days later that the cashier 's check was fraudulent. 

She contacted her employer and he said there must be a mistake. She never heard back from him so she filed a Police Report with the XXXX Police Department XXXX XXXX office. That police report is # XXXX. 
Her employer 's name is XXXX XXXX XXXX number : XXXXXXXXHis email address is XXXXXXXXThe complaint is directed toward Wells Fargo . My daughter had a Wells Fargo account and expected that the Bank would abide by their agreement that they made to her to protect her from fraud when she opened her account. Instead they treated her like a criminal and told her it was her responsibility to know that the cashier 's check was fraudulent. Our complaint is this : If the bank could not detect a fraudulent cashier 's check then how was my daughter ( a college student majoring in XXXX ) to know that the check was not good. Our complaint argues that the Bank is more culpable than my daughter. They have now threatened to ruin her credit and told her that she will never be able to get another bank account. Why? XXXX has already agreed that she will work to pay for the cashier 's check even though it was not her fraud. The bank is treating her like she is the bad guy and not the " victim ''. 
We argue that the bank should not destroy my daughter 's credit and name because she is the victim and the bank agreed to protect her from fraud and identity theft. At this point the bank has refused to accept the police report and is refusing to give my daughter time to pay for the check. 
If the bank knew that there was a cashier 's check fraud then they should have advised my daughter to not cash the check and wait the time necessary to allow it to cash. 
My daughter has been seriously traumatized by this event. The Bank should have assisted her when she brought in the Police Report and helped her to resolve this matter rather than treating her like a criminal. She has been protected all her life. Moving to XXXX to attend XXXX XXXX University was her first experience living alone away from her parents. Wells Fargo should apologize to my daughter and provide guidance and help in this matter.
Product: Debt collection

I contacted National Credit within 30 days via fax and mail I followed up and they confirmed they were still investigating the dispute The verification process had not been concluded nor a payment option offered before reporting to the credit bureau. This agency violated my rights to dispute and resolve the matter prior to reporting to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any  new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " Acima FKA  XXXX ''. I followed up with the XXXX XXXX XXXX  I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, Acima Credit customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.
Product: Debt collection

I was WAS NEVER NOTIFIED PHONE, OR MAIL BY UNC, COLL.CO.ONLY AFTER I DISPUTED, they sent # 1 bill.Not # 2 as REPORTED.I notified them by mail cert #, and phone THEY FAILED TO NOTIFY ME OF DEBTS, WASNT GIVEN 30 DAYS ECT.URC only had my mailing address AFTER I CONTACTED THEM THEY WERE GIVEN 10 DAY NOTICE IF NOT REMOVED ID FILE CIVIL SUIT, AND.I would report to FTC, CFPB.NOTE I am an XXXX, my calls all screened I DO NOT ANSWER UNKNOWN CALLS UNLESS VMAIL LEFT.URC NOTIFIED BY CERT MAIL, CEASE DESIST ASWELL # S AVAILABLE
Product: Checking or savings account

XX/XX/year> check # XXXX XXXX $ XX/XX/year> check # XXXX XXXX $ XX/XX/year> check # XXXX XXXX $ XX/XX/year> check # XXXX XXXX $ XX/XX/year> check # XXXX XXXX $ XX/XX/year> check # XXXX XXXX $ These transactions were done when i was incarcerated, i have no clue of how and when it happened i just would like to to have my funds returned.Here inclosed is the claim # XXXX
Product: Debt collection

HUNTER WARFIELD, INC Agency Address :   XXXX   XXXX   XXXX   XXXX    XXXX , FL   XXXX   Date Reported :  XXXX /2017 Original Amount Owned : {$280.00} Balance Owned : {$280.00} Comments : No action was taken. No letter was received from Hunter Warfield or their client. I 'm in the process of purchasing the home and saw the debt on my credit report. I called Hunter Warfield to inquire on   XXXX   XXXX   2017 and was told that it was an attempt to collect a debt but they have no information or breakdown of the charge. Explained I did not receive a call, email, or letter from their client regarding any debt nor have I received anything from them. On J  XXXX   XXXX   2017 I called to verify email address and physical address for Hunter Warfield. The rep. gave me the information. However, my email address was blocked. I called back to verify the email and even had another rep. email me and when i replied to her email, it blocked me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the XXXX XXXX, and XXXX XXXX XXXX package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original WET INK  contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX  XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX  did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX  XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to  the following : 1.  XXXX XXXX, and XXXX XXXX  XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. Thank you
Product: Debt collection

onXX/XX/XXXX i spoke with someone at rise and agreed to remove all negative info from my credit report. a verbal agreement was made on a recorded line that once i showed receipt of payment the item would be removed. onXX/XX/XXXX i recieved an email saying that everything is correct. they are now refusing to stand by the agreement made on a recorded line.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, 845 written off. {$9.00}, 718 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 39 Months On record until XX/XX/XXXX I requested 1099 forms that they filed for the charge off reporting on my consumer report. I need copies or proof that 1099 forms were not filed. I also request a copy of the contract. If no 1099 forms were filed i request the charge off be removed. i will be filing a 1099 OID, a 1096, a 1099B form and a 1099a to properly assess the taxes and will send copies to the company for IRS reporting. i also request that my down payment be returned to me. In accordance with the TRUTH IN LENDING ACT that the dealership participates in, when dealing a consumer transaction there is not to be any cash or finance charge involved. According to 15 USC 1662b their should not have been any downpayment. No cash should be involved in a consumer transaction. i also was not informed that insurance could be included in the finance charge according to 15 USC 1605. This info was not disclosed to me. i will rescind the credit consumer transaction if need be by sending a rescission letter to the registered agent o the dealership and the bank and seek damages under equity in arbitration or court. i also will be conveying legal title of the property into my private foreign grantors based solely on equity, making it trust property. also no XXXX is on file in XXXX ucc lien search, according to law no security interest is perfected without a lien means no debt exist. i also request proof of perfected security interest by providing proof of a XXXX. i also request to no if the contract was securitzed. i also request the indentured trustee banks name address phone number and the trust representative contact info.
Product: Credit reporting

I submitted dispute to experian to remove public record Index No. XXXX Civil court of NY via certified mail and still have not received a initial response. I also have sent prior dispute without a single letter of receipt by experian. the default judgement has been vacated
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States that I have a right to privacy. 
15 U.S.C 1681 section XXXX A Section XXXX : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Payday loan, title loan, or personal loan

Hello, I took an {$800.00} advance loan on XX/XX/2017. I've been paying {$140.00} every 2 weeks - and thus far have paid back {$1300.00}. This is a lot more than I owe. When I log in to my account on their website, it provides me with no information about when my loan is done or how much I still owe, etc ... I've paid what I owe and don't want to pay anymore. 

Thanks XXXX