23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was scammed of {$100000.00} buying crypto  money, using a credit card. ; To forward to a fake investor. I lost all disputes with bank of America because there policy is written on there websites about investments. So I took the blame for a bad decision to sign a credit card to crypto scammers. I had no way of understanding that crypto  charges or purchases can't be reversed. Crypto is one way. Bank of America does not make u aware of this even in their fine print. In the old days if a bank was robbed, the whole town n sheriff would go after the thieves. But modern day thieves in the internet are allowed freedom.? .because bank of America won't pursue the criminals? XXXX dosent go after the scammers? XXXX has hacked apps.And they don't care? All three deserve a law suit. XXXX, Bank of America, XXXXXXXX XXXX. And this site won't go after the thieves either cause u take XXXX word that there policy is correct. XXXX said they just follow my orders because I signed the transaction. But now they won't follow my orders unless there's money to be made? Go catch the thieves at the fake exchanges with a little help from law enforcement?
Product: Debt collection

The lack of response and resolution has had severe consequences on my ability to access fair credit terms and pursue my financial goals. This lack of progress is not only frustrating but also constitutes a violation of my rights under the Fair Credit Reporting Act. Moreover, it appears that some of my requests for information updates have been outright ignored. However, there has been no response or action taken on your end to address these concerns. 
XXXX XXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXX PLEASE UPDATE!!!. 

I demand immediate action to rectify this situation. Specifically, I expect your agency to : Conduct a comprehensive and diligent investigation into the inaccuracies I have previously reported. 
Remove any inaccurate information from my credit report promptly. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Product: Checking or savings account

After filing a complaint ( COMPLAINT ID XXXX ), Citi deposited {$500.00}, short of {$200.00} bonus. I spoke with the manager today, XX/XX/XXXX at XXXX. She said the reason for the shortage is because the {$25000.00} deposit to open the account must be from other financial institution. I made her aware that all deposits were made from other banks. She said she was with a customer and that she will call me back after she reviews the file. She called back at XXXX. She said her hands are tied because I filed a complaint with CFPB. She said " they will contact you ''. I asked, " who are they? ". She said, " another department handling your case ''. I asked, " do they know about the shortage? '' She said, " no, this case is closed ''. She continued to argue that the part of the deposit came from Citi Bank funds. I explained that $ XXXX came from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, another $ XXXX came from XXXX XXXX XXXX XXXX XXXX the next day on XX/XX/XXXX ( these files I attached is from Citi Bank transaction record ), $ XXXX from XXXX XXXX another $ XXXX from XXXX XXXX a total of $ XXXX. Attached you will find the sources of these deposits. XXXX did not do thorough investigation. She doesn't even recognize her own bank 's transaction records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Identity Theft Credit Monitoring notified me of XXXX XXXX XXXX   incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to Experian. This is entirely FALSE. I have never once been late with my XXXX   account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that Experian provided for XXXX XXXX XXXX and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
Product: Debt collection

Unauthorized accounts were found on my latest credit report. Please promptly block and remove these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX, XXXX and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health issues and XXXX XXXX XXXX because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.
Product: Credit reporting

I previously submitted disputes with Experian Credit Bureau because they were reporting my mortgage with XXXX XXXX, XXXX as being closed with a {$0.00} balance. My mortgage was opened in XXXX with a variable 30 year rate. I currently make monthly payments of {$570.00}. In XXXX XXXX Experian updated my account, however they made matters worst by changing the account type from mortgage to personal loan. My efforts to correct the new inaccuracy have been unsuccessful. In XXXX XXXX my Bankruptcy was discharged and I hoped that all information would be correctly reported to all XXXX credit bureaus since I verified that XXXX XXXX was notified by the courts. To my surprise, nothing changed. I spoke to XXXX at Experian on XXXX/XXXX/XXXX, she was unable to help me and stated that no supervisors were available. I am desperately attempting to improve my credit and resume a comfortable life. I can not do that if vital information is n't being factored into my FICO score. Good credit is a necessity in life and I 'm being robbed of that opportunity because of the sloppy, inaccurate reporting of Experian. I am only asking that they be forced to do their job. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Experian : This is a XXXX XXXXhat I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent transunion a letter with a copy of my social security and other identifying information. Some representatives have said that they can see it on my account, while others say they can not. 

Regardless, I sent the letter a year ago, in XX/XX/2020, and was under the impression that it would be resolved., and due to the inconsistency in their information, i am not comftorable sending additional information, nor should I have to. I sent you this information already. I dealt with their brutal and terrible customer service. Its not happening again. I am not sending this sensitive information over the mail again, especially considering the TransUnion either lost it, or it has been received. 

This issue further stems from their error of misreading my original SSN. As a result, they should fix it. I have been unable to get a credit card for 2 years ; this has been a serious affect on my ability to be financially independent and to have access to credit when i need it. 

Furthermore, Sensititve informationespecially SSNs should be taken better care of then this. 

Honestly, TransUnion needs to be punished. They are hurting millions of people like me evereyday by not simply doing their jobs.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of Identity Theft and I have several or duplicate accounts showing on my credit report that do n't belong to me.
Product: Mortgage

CFPB complaint number XXXX-XXXX  was not properly resolved.

Original complaint : I processed a automatic payment on XX/XX/XXXX for my XX/XX/XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XX/XX/XXXX mortgage payment a second time on XX/XX/XXXX. I then confirmed that my bank made the XX/XX/XXXX payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/XXXX. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.

Since the time of that response, I received a call from XXXX XXXX at NATIONSTAR MORTGAGE ( dba Mr Cooper ) on XX/XX/XXXX indicating that the payment/refund has not been initiated.
Product: Bank account or service

I had a ck came in my acct for {$170.00} funds was low they paid it and charge me {$35.00} over draft fee, then XXXX foe {$9.00} came in when i already have an over draft they that and cause another {$35.00}. They paid a {$9.00} fee and charge {$35.00} which i think is a rip off because a few XXXX ago i had a ck for over {$100.00} came in, funds was not there that got return unpaid and charge me {$35.00}. also they charge me another {$35.00} because my acct was over for over XXXX days, i think thats double jeopardy. bk of Amer is the only bank that does that. i dont think the government should allow bank of America to continue to rip off consumers, also i was not aware that they would be an extra charge for being over draft fee after XXXX days. i contacted the bank and they refuse to reverse that exessive charges. Bank of America have been doing grave in justice to consumers for years, they have charges that no other Bank has. They need to be regulated. Please investigate. thanks
Product: Checking or savings account

Reference CFPB ( previous petition ) - XXXX Unreasonable Withholding of Funds by Citibank Dear CFPB , My name is XXXX XXXX XXXX a XXXX XXXX currently pursuing an XXXX at the Massachusetts XXXX XXXX XXXX XXXX XXXX ) . I am writing to request your urgent assistance regarding an unresolved matter with Citibank, which has withheld {$5000.00} from a closed personal account for over a year. 

Citibank closed my account and placed a hold on a salary payment made by my sisters employer, XXXX XXXX, citing concerns about the transaction. Despite repeated efforts to resolve the matter, including a previous complaint to the CFPB, Citibank continues to insist that a hold harmless agreement from the employer is the only acceptable path forward for releasing the funds. 

This requirement is both unreasonable and impractical, for the following reasons : XXXX. The funds are legitimate earnings. My sister, XXXX, had her salary payments deposited into my Citibank account for over a year without incident. The withheld payment was the final paychecks. 
XXXX. Inconsistent handling. Citibank processed all prior salary payments without issue. It is unclear why only the final payment was flagged. 
XXXX. Employers cooperation. XXXX XXXX has been fully cooperative and willing to : Speak directly with Citibank to verify the transaction, Participate in calls or meetings, Accept the return of the funds if concerns persist. I submitted a lot of email and message correspondents and contacts to Citibank for verification. However, Citibank has ignored submitted correspondence from the employer and my sister confirming the legitimacy of the payment. 
XXXX. The payroll processor, XXXX, has clearly stated they do not issue hold harmless letters, making Citibanks requirement impossible to fulfill. 
XXXX. The hold harmless request was made nearly six months after the account closure, compounding the difficulty in obtaining any retroactive documentation. 

Given the facts, and the absence of any proof of fraud, I respectfully request that the CFPB compels Citibank to propose reasonable alternative methods for releasing the withheld funds, such as : Issuing a check to me, Transferring the funds to my sisters current bank account. 
Mailing a check to her verified address, Or returning the funds to her employer, XXXX XXXX 

I believe this situation reflects a lack of fair banking practice, especially given the inflexible demand for a document that can not be produced. 

I urge the CFPB to help facilitate a fair and timely resolution. 

Thank you for your time and assistance. 

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

I have been trying for XXXX months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, XXXX, and Equifax advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points. 

For example, XXXX and Equifax will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points.

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but XXXX  and Equifax take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!
Product: Debt collection

LVNV Funding LLC ( the XXXX XXXX ) currently owns the Account, having acquired it on XX/XX/XXXX. 
As of XX/XX/XXXX LVNV Funding LLC is in violation of the Statute of Limitations in New York State.

N.Y. Civ. Prac. L. & R. 214-i states a creditor or debt collector only has three years ( from the date of the last payment on an account ) to sue someone for a debt they owe. 
A pending lawsuit on this Account with case number XXXX in the Civil Court of the city of New York XXXX County of XXXX XXXX New York must be ceased along with any further contact or communication.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/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: Student loan

I have received notifications from Credit reporting agencies of negative remarks, balances have increased twice since I just refinanced with XXXX in XX/XX/2019, Inhave been making on time payments and my balance has increased TWICE. My current balance is less then the amounts reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX was contacted through XXXX marketplace for a rebuilt transmission. On XX/XX/XXXX the first payment of {$1500.00} was sent, through XXXX, to XXXX XXXX. Following completion of the build, XX/XX/XXXX, the remainder, {$530.00} was sent through XXXX. I was told the part would be shipped the next day. I was told it would be delivered XX/XX/XXXX. No transmission was delivered. XXXX XXXX then informed me it was delayed and would be delivered XX/XX/XXXX. I repeatedly asked for a tracking number that XXXX XXXX was reluctant to give. On XX/XX/XXXX, the transmission was not delivered. I was informed it was damaged in transit and XXXX XXXX would be picking it up from the shipping hub. On XX/XX/XXXX XXXX XXXX reported he had it back in his possession, would repair it, ship it out and provide a tracking number. On XX/XX/XXXX XXXX XXXX informed me he would be shipping it soon. On XX/XX/XXXX he informed me it was shipped but didnt provide a date or tracking number. On XX/XX/XXXX I still had not received the transmission or a tracking number and requested my money back. XXXX XXXX was unable to refund my money totaling {$2100.00}, and has ended all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit karma and it claimed my credit score went down XXXX points when I dont have any debt or any credit cards
Product: Money transfer, virtual currency, or money service

i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. he had accessed my personal and bank information and bought XXXX worth of crypto without my knowledge. i had disputed it with both coinbase and my bank but coinbase still claims i owe them money.
Product: Money transfers

XXXX XXXX XXXX for some reason decided to use Western Union this time as we were waiting for this money in XXXX Texas. A Western Union payment was processed on XXXX XXXX 2015 ( XXXX XXXX is XXXX hours ahead of CST ). They asked me to go to my XXXX XXXX XXXX and give them the XXXX number ( XXXX ) and should be able to get instant credit. However, XXXX XXXX XXXX told me that they not deal with Western Union and I called the Western Union to see where I could get my XXXX USD and they recommended me to go to XXXX of XXXX XXXX, close to my place. 

XXXX told me to wait for 15 minutes while Western Union processes all required checks etc. Later I was told by Bank Teller that she could not process the request. 

I called Western Union and after talking to them 2-3 times with misinformation and finally talking to their superior, I was told that the payment has been sent back to the Sender. I asked for a reason and they said that they are protecting their client and can not disclose me the reason. That was after 2 hours of time spent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX In accordance with the law, I sent the attached letter to creditors in order to confirm the debt my credit report say I owe. They were unable to verify this debt they say I allegedly open. Since the alleged creditor were unable to verify your credit bureau could not have verified this item. 
Im asking that you remove all references to this account from my credit report within thirty ( 30 ) days Sincerely XXXX XXXX Also here is a video of the copy of letter I sent certified mail.