23daVinci/CFPB_Complaints huggingface dataset:
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I contacted Citibank on XX/XX/XXXX and XXXX to be able to access my funds because I deposited funds into the Citi account when opened and more through XXXX, but it would not let me send money via XXXX, wire transfer, instant transfer or even withdraw via ATM or even use my debit card. I contact Citi and I could not even access my account with a representative because they could not verify me, even though I provided my social security number, address, phone number, card number and account number, then they told me they could not verify me and hung up on me without any notice, so I can't withdraw or spend my money and can't speak to a rep to find out why. There is no Citi brank in my state so I have nowhere else to go or contact to figure out why I can't access my XXXX dollars on my account. When i tried to do anything through the app, I kept getting access blocked, and to reach out to customer service, but i reach out to customer service and they can't verify me and hang up the call, so I have no further avenue to figure out the issue or access my funds. I even called to close my account and have them mail the check for the funds to my address on file and THEY TOLD ME THEY COULD NOT CLOSE IT BECAUSE THEY COULD NOT VERIFY ME AND HUNG UP AGAIN. so I have nothing left to do to be able to get my funds back. Citi bank is a scam and they want to keep peoples money. I WANT CITIBANK TO CLOSE MY ACCOUNT AND ISSUE ME AN EXPEDITED CHECK AND I WANT NOTHING FURTHER TO DO WITH THIS HORRIBLE COMPANY AFTER THEY RETURN TO ME ALL MY FUNDS.
Product: Debt collection

After receiving a copy of my credit report I filed a dispute with all 3 credit bureaus I asked that verification be sent to me I did receive a bill but nothing that had my signature on it. I have no knowledge of this account or debt and did not authorize it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXXXXXX XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

I have tried to dispute with this creditor and the XXXX major credit bureau agency in XX/XX/2023, XX/XX/2023 after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXX XXXX  Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card XXXX different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX  Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. XXXX XXXX, Equifax and XXXX are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

the former address in my XXXX credit report appears two times. the second time appears as multifamily.

Swapped addresses in my Equifax credit report. It shows my former address as my current one and vice versa.
Product: Credit reporting or other personal consumer reports

My credit report is showing a charge off account from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. According to the FCRA I was suppose to receive a 1099c form for any debt charged off and is {$600.00} or more by law which I never received so I am requesting that form. This account should not be reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they also violating FCRA 15 USC 1681 ( eb ) for reporting information that is not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Debt collection

Zion is a debt collector. They purchased a " debt '' from XXXX. 

XXXX : I signed a XXXX contract with XXXX. Payment of {$33.00} made. Almost immediately, I was not happy with their service. I asked to cancel and I was told that there is a 30 day notification required for cancellation. I confirmed that I would like to cancel. I was told by XXXX customer support that a cancellation packet would be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment notification email received. I replied in writing that I would like a cancellation packet. 
XXXX : Cancellation contract signed. 

As you can see, I attempted multiple times to cancel this service before successfully doing so. I do not know why I have a reported debt of {$220.00} when XXXX actually reports my account in good standing with a {$0.00} balance on XXXX. 

I guess XXXX recently sold this " debt '' to Zion and now they've filed fraudulent reports with XXXX and XXXX. XXXX does NOT show any negative reports.
Product: Vehicle loan or lease

On XX/XX/2018 I traded my XXXX XXXX for a XXXX   ally banked reported the payment 30 days late. With the payout being processed and I received a check for over payment
Product: Mortgage

Mortgage account - XXXX Village Capital Mortgage Servicing Company has not provide me with my XX/XX/XXXX Mortgage STatement. My mortgage is current andnis is on a repayment plan for veterans. All previous months have a e-statement uploaded to on the website except for this month. I need the document for proof that my mortgage is up to date Village Capital is avoiding posting the information on their portal to fraudulently claim non payment. 

Accurate reporting and billing is important in this matter to comply with the fair billing act.
Product: Checking or savings account

THIS COMPANY HAS HELD MY UNEMPLOYMENT MONEY FOR YEARS AND THEIR PROCESSING IS NEVER ENDING. THEY OWE ME AROUND {$1400.00} AND STILL HAVE NOT DISBURSED MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed through Experian and XXXX XXXX  regarding my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have asked that these be removed from my credit report. If the account is marked current and/or closed why can't it be removed? I have asked over and over again
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the customers financial protection Act ( XXXX ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, Diversified Consultants , Inc . 

The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX
Product: Credit card or prepaid card

Hi, I booked tickets to see XXXX XXXX in XXXX XXXX through XXXX XXXX for XXXX on XX/XX/2021. The tickets were bought in advance, but occured on the week of the hurricane in XXXX. I tried to contact the vendor to no avail, but decided to submit a dispute on my Chase Sapphire Card. The dispute came back as " valid '' and a Chase representative told me that " all sales are final. '' This means that, if you have a Chase card, it is your responsibility to predict natural disasters like COVID-19 and Hurricanes. There is no recourse, but my complaint is that it is unfair to make customers pay for things that they can not use which is the crux of the issue. As a former employee of XXXX, I am disappointed in that response.
Product: Credit reporting or other personal consumer reports

CFPB, Experian has violated my rights under the FCRA. When I filed a complaint about this address that I never resided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Did not give oral or written consent for my personal information, and credit report to be shared.
Product: Credit reporting

Tried to get free credit report and it stated that I requested report on XXXX/XXXX/15 which I did not
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan through Upgrade on XX/XX/XXXX and got approved for XXXX loan for consolidation of debt. I was told to put the account information for accounts to be paid off and the rest would go into my bank through XXXX. I got all the funds paid to the accounts on XX/XX/XXXX minus one which is a credit card through my bank. I was told by XXXX they did not receive these funds or an attempt to place them into my account. Upgrade told me they did receive the funds and my bank has to refuse them and return the funds before they could put those funds into my checking account. I called XXXX repeatedly whom has stated they have received no funds and they would have put them into my checking account since my card can not receive funds outside of my checking account but they have no received any funds. Upgrade told me to wait 15 days so I waited 15 days. After the 15days past they said it would be another 15 days for those funds to be refused and put into my account. I called for the additional 15day mark and they are now saying 3 to 5 business days and XXXX still says they have not received any funds and now my payment is coming due to pay on a loan I have not received all the funds for. Both companies tell me to talk to the other and meanwhile nothing is getting resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, my name is XXXX XXXX, and I am writing this statement on my behalf of myself. I have recently discovered that I am a victim of identity theft, and my information was used without my consent. I was a victim of identity theft and seemed to be targeted again. The following accounts/inquiries have been added to my report without my knowledge or consent, and I am requesting for them to be removed 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
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Experian is basically making it an obligation for me to pay on adebt without my direct consent. I, XXXX XXXX, the consumer never gave Experian any written consent to report anything on my consumer report. No consent is Identity Theft. I sent a dispute letter on XX/XX/2022 explaining this and Experian still decided to keep the items listed in my dispute letter on my credit report.
Product: Credit reporting

I was in a car accident XX/XX/2012. I was with XXXX XXXX XXXX insurance at the time. I sent all bills to them, and they missed paying an {$880.00} ambulance bill. A year later, I began getting collections calls so I called the insurance company. They acknowledged missing the bill and agreed to take care of it. I checked my credit report today and the collections is still on my report for {$440.00} - the insurance company only paid {$430.00} and did not pay the remaining {$440.00}. This collections is now damaging my credit report even though I was not responsible for that bill. I never received a collections call or bill for the remaining {$440.00}, otherwise I would have called the insurance company and demanded they pay again. Without a bill or phone call, I never even knew I had {$440.00} in collections due to this insurance issue. My credit score is significantly lower than it should be because of this collection.
Product: Debt collection

They spoof the phone number and when try to call the phone number called this XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Complaint Against Both XXXX XXXX XXXXXXXX & Citibank-Neither takes responsibility for my lost Credit Balance Refund. Both banks blame the other, CB sent my credit balance refund to the wrong account to XXXX. The end results are that I have been robbed and referred to the Credit Bureau who has referred me to you. 

Last year, in XXXX, XXXX XXXX XXXXXXXX offered me a balance transfer offer. I accepted and was charged a 3 % fee. XXXX wired, on XX/XX/XXXX, {$470.00} to Macys ' [ Citibank is Macy 's financial handler ]. Funds did not post in a timely manner. I called Macys ' then I sent in a min payment to keep the account in good standing. I made  min payment to Macy 's and was told by XXXX representative to send Macy 's another balance Transfer check [ since the first one seemed to have gotten lost ] on which I paid another 3 % [ the 2nd check was for {$800.00} that included the " lost '' {$470.00}. A week later Macy 's posted both checks even though I had set up an inquiry to not post the first check. On XX/XX/XXXX my Macys statement showed a {$470.00} credit balance. Again I asked for [ as XXXX XXXXXXXX XXXX 's representative recommended ] Macy 's to send me the credit balance in a paper check. I waited the recommended 10 days but I have not received my {$470.00} in any form even after sending both banks numerous billing and bank statements. 
Citibank says that they wired it back to XXXX XXXX XXXX to an account for balance transfers that is connected to my XXXX XXXXXXXX XXXX credit card. It has never posted and I have made three 300 mile round trips to XXXX in XXXX XXXX [ the closest branch to me ], numerous phone calls to both banks and spent hours on the phone and had both banks to assure me payment in two billing cycles. 
Macy 's inherited me from XXXX XXXX [ opened acct XXXX ] excellent account XXXX  XXXX XXXX has had my excellent business since XXXX Each bank has noted my constant inquiries and made notes of my complaint. 
XXXX XXXXXXXX XXXX says that both banks have " Black holes '' that funds go into and are never heard from again.
Product: Credit reporting or other personal consumer reports

My wife and I have a mortgage with XXXX XXXX. We've never paid late. My WIFE filed for XXXX  XXXX bankruptcy in XXXX. I personally did not file bankruptcy. When my WIFE 'S bankruptcy was approved, XXXX XXXX  removed the mortgage account from MY credit file. This caused MY credit score to drop over 100 points. All MY credit cards cut my lines of credit so now it looks like my cards are maxed out. Some of my lines got closed out when they periodically check your credit and saw my credit score drop. 

I contacted XXXX XXXX  when I saw the mortgage account removed from my credit file. They transferred me to their bankruptcy department. I was told that this is their policy when someone on a mortgage file for bankruptcy. This CAN NOT be an acceptable practice. I've never been late on my mortgage, and I want it added back on my credit file. 

Mortgage Account Number : XXXX Name on Account : XXXX XXXX | XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX