23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a tenant at XXXX XXXX XXXX, owner XXXX XXXX XXXX XXXX. As can be concurred by many other residents there was a take over by another company with no formal notification from the above company. Prior to the take over on approximately XXXX XXXX it was arranged Verbally with prior management that I would continue renting month by month due to the fact that I was purchasing a house and close to the closing on the property. Because the closing did not come through as projected I asked the present management XXXX XXXX Preserves to extend my time one more month. I was informed someone has already leased the apartment and will be given until the XXXX of XXXX to vacate the premises. I rented a XXXX on XX/XX/2019 and hired a moving company to assist me and hand over the keys to the office on XX/XX/2019 at approximately XXXX - XXXX XXXX. Pictures of the apartment was Also taken as proof. My deposit was retuned. I surmised few months thereafter I received a letter from Hunter Warfield informing me I owe a balance of {$1500.00}. I did not respond immediately thinking that is a mistake. The calls began followed up with letters. I then responded provided proof of refund check an explanation and also asked to remove the negative reporting From my credit but with no avail and absolutely no response. If necessary I can obtain a copy of documents from XXXX
Product: Debt collection

This debt with XXXX XXXX is over XXXX XXXX XXXX and this company, Jefferson Capital has attempted to collect on this for the last 4 years. Twice I have disputed the debt on my credit report and it has been removed successfully after XXXX found it to be incorrect/old information. The 2 times it has been removed was XXXX of XXXX and XXXX of XXXX. I'm not sure how it can be removed successfully twice, but then the same company is allowed to open it up as a new account and continue to try and pursue. This debt is over a decade old, and it's no longer in the time frame to be collected- this has become harassment on their end, and it's affecting my mental health. 
The number that is texting me is from XXXX. This will not be paid by me now or in the future so any attempts to collect are not going to be successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

LETTER OF DISPUTE AND AFFIDAVIT ATTACHED PLEASE SEE BELOW EQUIFAX HAS REFUSED TO COMPLY TO MY DEMANDS EVEN WITH MY WRITTEN DEMANDS AT HAND. I HAVE ALSO PROVIDED EVIDENCE OF THE OTHER AGENCIES REMOVING THE SAME INFORMATIONS THAT EQUIFAX HAS REFUSED TO REMOVE FROM MY CONSUMER REPORT. PLEASE SEE BELOW.
Product: Debt collection

It starts out that I bought a vehicle which I should not have, but we were lured XXXX or XXXX hours to a dealership by the possibility of a great deal. The vehicle had conveniently " just been sold '' when we got there and exhausted we went through with a very bad deal. That aside the bank that gave us a loan was 5th 3rd bank and when I lost my job do to a health issue, I tried to work with them ( difficult to do with a {$900.00} a month payment on a XXXX XXXX XXXX vehicle ) and they worked some what with me, although there " help '' just made it harder to get caught up. My husband and I finally had to stop making payments when the truck broke down to a common issue with these trucks that somehow the manufacturer has never had to deal with. I told them if they wanted to repossess the truck they should know that the engine was no good and my husband ( who used to be a mechanic ) had taken it out to try and fix or replace it and that the truck was parked in a tight place and would be hard to remove but they were welcome to try as long as they didn't damage my house or fence. Months went by without a peep. We saw the truck was written off by the bank. Still no one came. Then a lady in XXXX  started calling our family members asking them about us. We never got a call from them directly. I called them when my family told me about it. The lady was nice at first and then when I told them that it would be a few weeks until we could get the parts together, remove our belongings, and have it ready for them because of a foot injury my husband has, she got really pushy and rude on the phone. She said she had sent people out and they had left cards and we never contacted them. I have a doorbell camera and on the camera we only saw a tow XXXX XXXX past our house a few times at XXXX XXXX on XXXX single night but they did not come to the door or leave a card. This morning, at XXXX XXXX a tow truck driver rang our door bell and called me several times. There is no reason other than to harass and intimidate my family ( including XXXX young kids that have to be up at XXXX XXXX  for school ) to come at this time of night.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 my ex boyfriend took my debit card card and ever since then I could no longer use my debit card. He tried to withdraw somehow someway XXXX and that was not even on the card. Ive had to use prepaid debit cards and I hate that.
Product: Credit card

My statement of the situation with this credit card company is attached. If you need anything else please call.
Product: Credit reporting or other personal consumer reports

I have not authorized these hard inquiries, they are the result of fraudulent activity on my credit report : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and tracking transactions is unfeasible. The CFPBs findings indicate the zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system while leaving users vulnerable to scammers. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Mr or Mrs , My name is XXXX XXXX Address is XXXX XXXX XXXX XXXX CA XXXX SSN # is XXXX I started working to fix my credit on XX/XX/XXXX with XXXX, Equifax and XXXX  until now XX/XX/XXXX still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge. XXXX  and XXXX   they already removed the account does not belong to me which is the one Equifax they are " verified that item belong to me " that's what they said when i recieved a dispute result and Confimation # XXXX, after i saw that was wrong then i called them back on again and they said they still working on it give and NOW i waited too long i can't not wait anymore. 
OK they want police report, they want dispute letter i sent to them i had certified mail receipt, even i sent a dispute result from XXXX  to prove myself I done all that, i already do everything on my power. On dispute letter i already said my family going to buy a house and many many times on phone call can you guys do it quick. 
NOW i need to do my loan approval on next week but how i can do that if my credit like this. 
NOW next week i have to pay that {$840.00} for XXXX XXXX XXXX which is account i don't even know where the XXXX is this come from. ALL I need right now is my credit clear out so i can get qualify to my loan approval for my new house. 
I feel like i just got ROB. WHERE IS THE LAW IN THIS LAND!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Entry on Credit Report I am writing to formally dispute the bankruptcy entry on my credit report. This entry is inaccurate and is causing significant harm to my credit standing.

Details of the Disputed Bankruptcy : Date of Bankruptcy Filing : [ Date of the bankruptcy filing on your report ] Court Name : [ Name of the court where the bankruptcy was filed ] Case Number : [ Bankruptcy case number, if available ] Reason for Dispute : The bankruptcy entry does not belong to me.

Requested Action : I request that you investigate this matter and remove the inaccurate bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and correct any inaccurate information.

Please provide a detailed description of the investigation process and the methods used to verify the accuracy of the disputed bankruptcy entry. I also request the following : 1. Verification Sources : Provide a list of all sources, including courts or public records, consulted during the investigation.

2. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed bankruptcy.

3. Correction : If the investigation confirms the inaccuracy, promptly correct my credit report.

If you can not verify the accuracy of the disputed bankruptcy entry, it must be removed from my credit report.

I expect to receive a response within 30 days of your receipt of this letter, as mandated by the FCRA. Failure to address this dispute promptly and accurately will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. I may also seek legal advice to ensure my rights are protected.

Please send your response to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau Attorney Generals Office
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/XXXX TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/XXXX THEY RECEVIED MY LETTER ON XX/XX/XXXX AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Product: Credit card

Several phone attempts toward simple and proper fact giving, sharing and problem stating was repeatedly made to Barclay 's XXXX Rewards via phone connecting ( overly difficult ). As well a signed declaration statement faxed to their fraud department by myself denying relationship of XXXX account applied charges that were abnormal and incorrect. 
The ridiculous outcome of my phoned-in and faxed-in dispute attempts being repeated to me with Barclay 's sending several like mailings XXXX times ( most recent several days later ), stating the XXXX disputed charges as being not fraudulent after their investigation and the review update ( obvious lacking propers of effort and fact ). Their mailing stating that the fraudulent charges are my responsibility as well associated finance charges and stating delinquency and discrepancy reporting to credit agencies if not paid. 
No outlined facts of where and how the charges were made or dates included or forwarded to me. It seems to me that bad parts of the company is trying to gain versus proper logic because of some likely bad groups within the company with a bad agenda and against well understood good and common stated business logic? 

My most recent connect with Barclays to problem solve versus abnormal and repeating dispute facts to Barclays was made on ( XXXX ). A case number given as well being politely and considerately informed of case forwarding for review versus the obvious abnormal. 

The applied account charges that were not made in relation to myself and with only loss to myself are : XX/XX/year> XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing is reporting the EXACT same account twice on my credit report in attempt to " double dip '' and make my credit worse in hopes to collect. They also have yet to provide debt validation I requested. I would like the accounts removed from all 3 credit bureaus since Convergent can not report them properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX XXXX ran an unauthorized check of my credit report. My cellphone is registered through my company and somehow they ran credit inquiries without my authorization. 

XXXX XX/XX/XXXX Utilities And Fuel XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX Utilities And Fuel XXXX   XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Open my checking account XX/XX/XXXX  as a new customer after 12 months I get promotion XXXX bonus for {$700.00} Then no give me my bonus They lying new customer is after 180 days XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX tel XXXX XXXX XXXX my account ending XXXX
Product: Credit reporting or other personal consumer reports

I am disheartened at the fact that my credit scores have been negatively affected due to this account reporting on my credit file. I have sent out a complaint and nothing has been done for the removal of this account, and I am deprived of my opportunity to apply for another loan.
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. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$95.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice
Product: Mortgage

In XX/XX/XXXXXXXX XXXX  we applied with our mortgage company for a forbearance as I was going out of work on XXXX XXXX XXXX XXXX We received an email from the mortgage company informing us we were approved for mortgage assistance and everything was sent to underwriting and it could take up to 30 days for a response. The representative asked us to check in with her weekly to check the status, and we did but it was always processing. During this time we did not make any mortgage payments as we were under the impressive we were approved for assistance. I also asked the representative if any foreclosure processes will occur since we were not making any payments and she advised me, none would happen. I finally checked in again on XX/XX/XXXXXXXX  to check the status and the same representative advised us that we were actually denied and our only options were to sell our home or deed it to them. We were now 3 months behind on our mortgage with only two options to either sell our home or give it to the mortgage company. We called the company and tried to explain the situation and even spoke with that representatives manager and they replied she should not have used the verbiage she did and they will talk to her but there was also nothing they can do but offer us a 3 month repayment plan that we couldnt afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first problem occur in XXXX, XXXX. I was told by a representative that there will be no fees for getting a paper statement. I receive a email that a fee for a paper statement may be charge. The second problem occur in XXXX, XXXX. I tried to dispute a transaction by phone regarding a charge that XXXX approve without my knowledge or any kind of notification. I could not dispute the charge online and that is why I made a call to XXXX. I needed a password to dispute the charge. I had forgotten my password and was told that I should go to my nearest branch to file a dispute. I am a senior citizen and can't get to one of the branches. So I had to call the merchant that submitted the charge. The third problem occur in XXXX, XXXX. XXXX change my address to a address in Florida without my knowledge again. They said the error was made by an employee. And the final one occur in XXXX, XXXX reported to the credit bureau about an over charge of {$11.00} over my credit limited. Why would XXXX report this? They are the one to  approve this transaction and it should not have been approved. I have sent numerous messages without any outcome.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Coinbase locked my account without any reason or notice. I have been contacting them daily regarding unlocking it and have not received any correspondence beyond " Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' I have not been able to log into my account, sell/trade, or perform any actions. I have tried contacting on XXXX and XXXX and have only found more people complaining of the same issues. Some of this people ( especially in the XXXX group Coinbase ) are saying they have been locked out of their account for months without reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX 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: Checking or savings account

US bank local branch closed my account without informing me until two weeks later and did n't pay out to me remaining funds in an amount of {$390.00}. Nobody seems have an answer as when I will receive my funds.
Product: Debt collection

After an audit of historical certifications of GI Bill benefits I used at XXXX institutions, the VA determined that I was over-certified at all XXXX institutions, over several semesters. At all stages I committed to paying the debt, but only when the VA determined the entire amount owed. However, the VA began collections on portions of the debt before a total amount was certified. By the time they had stated a total amount owed, they attached fees and penalties to that amount, and had transferred portions to the Treasury Dept. and they in turn to private collections companies Conserve and XXXX. I attempted to set up a payment plan for the total original amount of the debt, but that was rebuffed. I later offered to pay the entire debt in full, minus the fees and penalties in a one-time payment, but that was also rebuffed. I contacted the Treasury to get an itemized statement of the debt and they did not respond. At several points during the transfers of the debt, I was on XXXX XXXX orders with the military, as I currently am, and I believe the SCRA applies. Inaccurate and misleading reports were made to credit agencies concerning this debt, and my credit has been negatively affected, some aspects of my military service have been affected.
Product: Credit card

I went to buy flowers for gardening. And since I've really only used the Citibank card for transferring amounts and having that XXXX or low interest rate. Citibank decided I was having a fraud problem and I have had identity theft and other fraud problems. 

So I tried to accept the charges at the flower shop where I was trying to get gardening supplies and Citibank has you go through all of these different verifications your mother 's maiden name your code word your PIN number your social security number, the last XXXX of your card number which I have memorized. Then when you get to a person who's not in the XXXX, not at a bank branch and does not have any ability or authority to problem solve outside the script in front of them, then they suddenly won't help you unless you give them your phone number. Well, I actually have had my identity stolen and I have had problems with my phone being hijacked. So, why would I give you my entire 10-digit phone number when you should already have that information? Every other bank only asks me for the last XXXX have my phone number. I am more than happy to give you that. meanwhile, I have filed XXXX better Business bureau complaints hoping they would have the ability to get a hold of somebody at a headquarters who can actually problem solve and help me get my account closed. There has been XXXX response. 

I don't know what's going on at Citibank, but I'd sure like to be able to get my final amount and get an address to send a payment to and close this danged account.