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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH IQ DATA INT Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my report from Transunion, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Transunion automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not know who this information belongs, but it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i investigated Experian 's credit scoring statistics from consumer reported data bases, AI analysis, and from my own data and determined that Experian is scoring consumers credit worthiness using statuc algorithms prohibited by federal credit and discrimination laws. Experian is artificially keeping credit score lows of persons whose credit worthiness is not deserving of the low scores assigned, simulateously inflating scores of persons with higher risk based on prohibited factors. Experian 's actions injure and harm both the creditors relying on their assessment of true credit worthiness and the consumers. Experian also manipulates credit worthiness scores of consumers in order to up-sell credit products to consumers and also to obtain access to consumers ' bank accounts and credit transactions, which Experian sells to corporations, governments and other entities which compromise consumers identity, privacy without informed consent, circumventing other federal laws, including privacy laws. Experian is engaging in unfair and deceptive trade practices and scamming consumers. i have asked Experian to refund all monies collected from me, and to Cease and Decist manipulating my credit score.i have included an example : XX/XX/2023 score was XXXX. XX/XX/2023 score dropped to 691n and remained at 691. comparing these 2 reports, there is no justification for this drop compared to consumers with equivalent credit history as mine. Experian is manipulating my score in order to obtain payment for Experian products and to get me to sign up for Experian XXXX, which gives them access to my financial accounts.
Product: Money transfer, virtual currency, or money service

We have sent XXXX wire transfers from XXXX XXXX to Citi bank as below as an investment to a forex broker and discovered that it is all fraud and scammers account. We worked with XXXX XXXX to communicate with XXXXXXXX XXXX to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Citi bank for not responding and for not reimbursing my funds. Date and amount of transfer was XX/XX/2023 {$10000.00}
Product: Checking or savings account

XXXX XXXX : I have been on the phone for an hour. 
The agent put me on hold for 45 minutes and said they were calling XXXX than put me through to Molllie XXXX out of the XXXX office and transferred the call without telling me. XXXX who kept getting the wrong debit card information to deter me from getting why an envelope was delivered to my condo without an ID being shown or signature! 
I kept providing my my debit card and would not provide me information We are 18 days and Citi Bank officials was very well aware of XXXX XXXX branch manager of XXXX XXXX XXXX XXXX XXXX FL XXXX deliberate misconduct, knowingly never mailed my remaining money of over {$2000.00} that was to go toward my first mortgage payment with Citi no less who absolutely knew my home address. 
I called immediately. I was ignored, hung up on, created more conflict and confusion. 
I received a wrong tracking which I tried to get so many times. I was provided the wrong one time and time again. I am currently on the phone with Citi bank. Tracking number XXXX showing which will be attached at front desk!!!! I do not have a front desk at my condo building. Not a doorman. Just lock boxes to put mail. This is unbelievable! 

The banks behavior and the many officials Ive spoken too all said. How is Citi allowed to commit fraud and abuse there power. 

Other officials are involved and also working on my behalf to file reports with FTC and FBI. 
How can a bank not allowed me to take my own money that was free and clear out of the atm! Stating sorry over your limit! False. XXXX XXXX kept putting fraud codes on my account and reported this immediately to XXXX XXXX who did not take one action. XXXX XXXX was the loan officer at Citi and can verify I was unable to take my {$10000.00} XXXX money because XXXX XXXX put fraud codes and maliciously and knowingly knew his actions to intentional harm me.. 

I hold a credit card with Citi. I was told since Citi is not assisting in my mortgage and credit card due to my loss of income to file a XXXX and XXXX as a result of there intentional demise of my good credit. This bank is dangerous and abuse there power at alarming levels. This is crazy!!!!! 
Deliberate fraud.
Product: Debt collection

I have written NUMEROUS LETTERS to alliance collections asking for validation of these debts they are claiming against me and all they have sent is a medical bill statement which by legal definition if NOT a legal validation of debt as anyone can make/manipulate that. They need to produce signed documentation with my signature showing that I signed for this debt. Second these are medical bills ( I am in no way stating or claiming these to be mine ) I have never signed and allowed for any of my medical information to be released. Alliance collection did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should these items not be deleted within 3 days of them receiving this complaint. I will seek every legal remedy available to me and file suit against alliance collections and the credit bureaus responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. I have sued and won small claims cases of {$10000.00} each against the credit bureaus once and will do the same for EACH collection account alliance collections has on my credit reports seeking a total of over {$250000.00} if they do not remove these items immediately.
Product: Credit reporting or other personal consumer reports

Constant very nasty- rude harassment and disrespect from a company claiming to be United wholesale mortgage. Incendiary remarks. Refuses to take me off their call list. Numbers Ive been called from ; XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My husband and I are both over the age XXXX ( retired ), so with this Covid-19 pandemic we have to stay in our home even more so. So we pay people to get and deliver for us. With extra expenses, we turn to PNC bank to take advantage of their The Disaster Forbearance Plan. 

The Disaster Forbearance Plan includes : Payments are suspended for three months. At the end of the program, the total amount will be due. We may have additional options at end of the 3 months to pay back the amount due. Additional options may include : Moving the payments to the end Offering a repayment plan Enrolling you in a longer term modification option During the Forbearance Plan : Late charges are stopped for the duration of the plan.? The loan is reported as current to the credit reporting agencies for the duration of the plan. 

But they will choose at the end of the plan how they want you to pay it back, not before you accept the plan.
Product: Credit card

I believe the account is invalid. CITIBANK , N.A . needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.Citicard XXXX, Citicard XXXX and Citicard XXXX.
Product: Debt collection

{$3000.00} debt to TRANSWORLD SYSTEMS INC. 
Opened XX/XX/XXXX debt ref # XXXX I never received any type of debt collection notice to any of my valid addresses from then to now. The debt was never verified with me nor the collection agencies. I only found out after independently checking my credit report. 

After digging around, found an XXXX XXXX account fraudulently opened since XXXX at XXXX XXXX XXXX. XXXX MD. I've never lived in MD or have any association with anyone in that area. I also have never held an XXXX mobile account. 

I had already reported identity theft due to the leak from the credit bureau from years ago and a previous attempt at fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

over the past 6 months I have been totally neglected by Transunion in regards to removing fraudulent information on my credit report. I was a victim of theft and they have not been any help. I have submitted my disputes along with the proper supporting documentaion several times. I spoke to someone this week and they totally violated the fora 605 b and did not act accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$480.00} ; XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I am less that 30 days behind on payment due to husband switching jobs. Payment was due on XXXX of this month it is now XXXX of same month. They have called me XXXX times in the last 7 days with number listed in complaint and XXXX times with the number restricted ( yes same company, I answered the last call and they verified ). 

I could understand if I had a history of late payments. I do not. I could understand if I were over 30 days on my payment, but I am not and will be paying the entire amount of payment and the next payment upon husbands first check at new job on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX, XXXX XXXX XXXX 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

At the beginning of the month of XXXX XXXX XXXX, someone opened a fraudulent checking account in my name. Wells Fargo closed this checking account. Wells Fargo also erroneously closed my legitimate checking account at the same time. My legitimate account had a balance of {$250.00}. Wells Fargo never provided these funds to me. I have attempted, approximately half a dozen times, over the course of a year to recover this {$250.00}. Wells Fargo has admitted to me on phone calls that they can not account for where the {$250.00} went. Wells Fargo has admitted that they have no entry where a check was issued for the closing balance, nor do they have any other accounting entry for the {$250.00}. Despite this, I've been runaround between multiple departments and hung up on more than once. I have still not received my {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to wrongfully report the loan to be a charge off, initially it was reporting as a charge off with an unpaid balance, I contacted them with the XXXX and mentioned to them that this is not a charge and there is no balance due on this loan account, to which they went ahead and updated the loan as paid but still left it with a remark as a charge off to which is infringe on my credit report negatively when this loans was fully paid satisfactory and should be reported. As such or and fully and dully remove. This wrongful reporting is severely affecting my ability to obtain a house mortgage. 

I will attach proof of what it was and how it was change and how it's reporting today.
Product: Credit card

On XXXX second XXXX XXXX XXXX XXXX I canceled my secured credit card with first latitude. There is a balance of XXXX XXXX and XXXX dollars owed to me. I was told a check was sent out XXXX third to allow 7-15 days to receive.. That time had lapsed, I recalled, they said they would have to do XXXX XXXX, please allow 72 ten days. That had lapsed again. I called again, XXXX thirtieth XXXX XXXX XXXX XXXX. Again, they tell me a check has been reissued. Allow 72 ten days ... Today is XX/XX/2025. Still have not received my check. I call back. They said it has been issued. Please. Allow 7 to 10 days. That is the only response you get. Every time they will not send out an email confirmation stating the check was mailed on such a date and have no other answers.
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, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 an 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

I made my final payment to pay off my loan on XX/XX/XXXX, and it was reported incorrectly to the credit bureaus as being delinquent. I went into the branch to speak with the branch manager, XXXX, with supports showing the payment was made on XX/XX/XXXX and not XX/XX/XXXX. He took copies and sent them over to corporate to be corrected. XXXX reached out on XX/XX/XXXX, leaving a voicemail stating processing occurred an hour earlier on XX/XX/XXXX, which is why my payment was posted on XX/XX/XXXX instead of XX/XX/XXXX ( the day I paid ). He stated that the issue would be corrected. On XX/XX/XXXX, the details were updated with the credit bureaus. In turn, the late payment from XX/XX/XXXX was removed, but two late payments during COVID-19 in XXXX were added. These payments were not previously on my credit report.
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 violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Ref # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, I hereby request that you cease and desist and communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe. 

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


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


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


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


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


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


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account through Barclays Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please help
Product: Debt collection

Total Visa is reporting alleging that I owe a debt that I do not. The debt has been canceled and reported to the IRS as income. Per the IRS publication income can not be reported. Total Visa is furnishing this deceptive information to the credit bureaus in an attempt to damages my consumer report. This debt should be removed immediately.