23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This is a XXXX complaint. XXXX complaint was for XXXX and This is for Citibank. The total amount is {$36000.00}. 

I was involved in a scam where the company ( XXXX  ) where funds was eventually transferred to claims that it is a trading platform for trading crypto currency. 

The money was transferred from Citi bank to XXXX and then from XXXX to XXXXXXXX XXXX XXXX. 

XXXX  Intentionally gives wrong trade signals with excessive hedging and take away the funds pointing towards market changes. I still have there telephone number contacts at XXXX. 

I have approached Citi bank ( financial institution ) and have not received any response from them.
Product: Mortgage

My initial loan was through XXXX XXXX. They sold my loan it is now with New Rez LLC shellpoint mortgage servicing. My payment amount is XXXX per month. I have paid ahead and wanted to pay biweekly as I did with XXXX XXXX. NewRez holds my partial payment rather than putting it through. They put it in once a month rather than bi-weekly as requested. I paid XXXX on the XX/XX/XXXX and XXXX on the XX/XX/XXXX which is more than the amount of the loan. This keeps me from paying towards my principal in hopes to pay off my loan quicker. I have never had a bank hold my payment before. I called to try and resolve this they will not put my payments in as requested.
Product: Credit reporting or other personal consumer reports

These companies XXXX XXXX XXXX and Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Is Reporting fraudulent Inaccurate Information on my credit report I have requested that they provide the purchase agreement To show Ownership of such account and other documents So I may review to see if this account actually belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT from XXXX XXXX BANK XXXX. I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with DETAILED INVESTEGATION OF DOCUMENTATION proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Debt collection

This company used to constantly call me about the debt. However, they kept changing the balance, which they are still doing. Then, they called one of my family family members twice.. one time leaving a voicemail stating that they are about to sue me and wanted to know if I had a lawyer. During the phone call with my family member where they actually talked to my family family, the representative from World Finance told my family member ( cousin ) that they were about to sue me and needed me or my lawyer to call them as soon as possible. After this, I told the manager at the local office about this incident, who swore that no one in her office would have done this. However, it happened! My aunt was with my cousin when this happened and heard the phone call. I told World Finance that this violates the law and to not contact me about this or I will sue them for violating the Fair Debt Collection Practices Act. After this, I did not receive any more phone calls for months. Then all of a sudden, someone randomly called me on XX/XX/2021. So, this is the 2nd violation by this company, which I can easily sue for, which would outweigh the balance on this account anyway. They have also threatened to sue, which I will countersue at the same time for these violations and also the violations on my credit reports, which they are reporting different information with all credit bureaus and constantly change the balance by {$2.00}, {$3.00}, {$5.00}, {$11.00} up and down every two to three weeks no cause. I have all documents showing these random changes and all credit reports each month showing this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX  and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on my credit report.
Product: Credit reporting

I did not authorize these company 's to pull my credit. These inquiries were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00} or XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00}.
Product: Bank account or service

My account was closed with no warning or communication. My account had suspected fraud due to some suspicious transactions and Bank of America closed it with no correspondence. I have n't been able to open a checking account since and do not want to wait 5 years to open another one.
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : Credit Score : 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, credit repair services, or other personal consumer reports

On XX/XX/2022 by certified mail I requested the following information be removed from my credit report as it is false and a direct violation of the FCRA In accordance with the Fair Credit Reporting act 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  ) 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 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Debt collection

" OnLine Information Services '' debt collection by mail. XXXX XXXX XXXX XXXX XXXX. I can not even use XXXX XXXX at my home address. XXXX is our only choice for power ( another issue all together ).
Product: Mortgage

you stated you rec; 'd a letter from XXXX XXXX, XXXX please send a copy of my complaint along with your response please submit via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have been calling and sending in letters to the credit bureaus XXXX, XXXX, and Experian. about wrongful information being reported on my credit report. some of these accounts are not mine and some of them are reporting wrong. the last time i have sent in letters is XX/XX/22 and still no response. I have tried calling but i feel im being ignored and this is causing a hardship on me and building my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  purchased bad paper loan from my previous car loan provider who repossessed my vehicle. The car was sold, the insurance paid the shortfall and the company is now reporting this old debt as legitimate on my credit report.
Product: Debt collection

Credit Collection Services has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Product: Checking or savings account

I opened this account with the promise that I would be receiving XXXX  % interest no matter what my balance would be. They lowered my interest rate to XXXX  % without any notice. I dont believe this is the way Banks should do business. 

My funds have been tied up in this account since XX/XX/year> and I have not been able to gain access to them at all due to, scheduled Maintenance on my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. I am a victim of identity theft due to a data breach, and the accounts and inquiries listed below were not authorized by me. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent information removed. 
Fraudulent Accounts 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  - {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a Square Debit Card ( issued by XXXX XXXX XXXX  in my name that I did not apply for. It appears to be a business debit card and also appears to have my first name on it followed by the word " XXXX ''. I immediately ( XX/XX/XXXX @ XXXX ) contacted the Square XXXX XXXX Customer Service XXXX ( XXXX ) and " XXXX XXXX ( sp ) transferred me to the Banking Department after I explained the issue. I then spoke with " XXXX '' ( sp ) who took the 16 digit card number and said she would send the information to the Fraud Department and also close the account. I asked for confirmation of the closure and/or a letter from the company confirming closure due to fraud and that this account was opened without my knowledge or consent. She told me it is not Square 's policy to reach out to the complainant, which I told her I was not happy about and would be contacting the FTC. I am not comfortable with a company saying they will close a card fraudulently opened in my name without confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a previous CFPB report about XXXX. XXXX retaliated, giving my information to the following companies : Credit Collection Services and XXXX XXXX XXXX. These two companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to XXXX who didn't hesitate to place it on my credit report. This is not a coincidence.
Product: Credit reporting or other personal consumer reports

I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection that I had with XXXX XXXX in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XX/XX/XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is XXXX XXXX XXXX # XXXX reporting as a collection on EXPERIAN only in the amount of {$360.00}
Product: Prepaid card

Filed a dispute and they denied my fraud claims that I didn't useb these XXXX stimulus cards so I appealed it and they started 90 days to receive results that was meaning the 90 days was up on XX/XX/23 and i keep getting the run around saying there's no updates at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX , XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section XXXX, restrictions on investigative consumer reports [ XXXXXXXX XXXX XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX period preceding the date the subsequent report is furnished. I need the account corrected XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute false inquiries on my Equifax. Equifax refuses to start a dispute which is a violation of my rights They never started the dispute They never updated the dispute They never gave me any results from the dispute it is now been almost two calendar years fighting the same false inquiries Even after multiple CFPB complaints Since, they do not have my authorization, written nor verbal I demand that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX in XXXX, AL. accepted a check in the amount of {$41.00} from an unknow person to me. This person presented an Alabama identification card and the XXXX XXXX employee accepted as satisfactory identification. The XXXX XXXX employee misread the identification card and substituted the number one [ 1 ] instead of the letter 'I ' that is used on Alabama identification cards. XXXX XXXX, { XXXX ] Alabama Law Enforce Agency drivers license fraud division investigated and determined the error had  occurred. 
XXXX XXXX XXXX XXXX, FL. XXXX recommends to merchants to not accept my person check. 
I have called Certegy multiple time, written 2 letters, given the XXXX XXXX XXXX XXXX  phone number, faxed the a copy of my drivers license. Certegy is not cooperative, unresponsive, they don't use e-mail and once I am able to get someone on the telephone they are a lower level employee that can not answer questions or make a decision. They want the checking account number and check number of the check in question, I have no clue because it was not my check, signature, name or account.
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on my previous dispute concerning unauthorized hard inquiries that have appeared on my credit report. Despite my repeated attempts to address this issue and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year>