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

XXXX XXXX ( last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX
Product: Mortgage

Logged onto Chase to pay my mortgage in XX/XX/2016. I made the payment. It appeared to have gone through. One month later I received a late payment notice by mail. Chase did not call me or send a reminder letter. Now I have a {$59.00} late charge and a late payment notice on my credit. Immediately went online to pay after receiving the late notice, logged in the payment. Again it did n't take. Called Chase direct and paid it that way. We never had any sort of problem when XXXX XXXX had the loan for the previous 4 plus years, prior to Chase taking over. 
It seems like Chase is setting borrowers up for failure so they can make extra money on the late fees.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to sectio

n 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 card or prepaid card

Application was approved for {$2500.00} XXXX XXXX via internet application then application approval stated, call in for final approval, I received final approval and I was congratulated. Representative stated that I could activate card online ... .then I received card in mail ... .I was unable to activate and I called in only to transfered to department specialist. Then I was told ... .. I was requires to send in Tax form XXXX. I submitted all required documentation that was orginally required to get approved. 

I believe that I was unfairly profiled due to personal reasons of represenative after hearing my voice. If this wasn't the case I don't think I would have been originally approved and sent a physical card. Their was no request for Tax information or any documentation to verify who I was if that was a issue. I feel unfairly targeted and would like this issue reviewed.
Product: Mortgage

Foreclosed on directly after a medical event as I fell behind on payments. Asked what I could do to get back current? They wanted to a loan modification but then never contacted me back. Was told do not send payments on as it would negatively affect the loan modification. Next thing I knew it was an eviction notice and house was being foreclosed on. Entire process went down within 2 months.
Product: Student loan

I have tried to get information as to why they has listed my accounts the way they have so it seem I have all of this debt cause my accounts are listed one by one and I was in the income driven program and was told that even though my payback amount was XXXX it sill cointed towards the PSLF program and when you look at the statements it says XXXX went towards that program this comapny has not informed me on anything I have been doing research on my own.
Product: Credit reporting or other personal consumer reports

For months I've been sending dispute letters to Experian regarding the inaccurate reporting of the account XXXX XXXX XXXX ( Account # XXXX ), also demand that they provide me documentation to verify the accuracy and proof that I owe {$310.00}, and they refuse to correct the inaccuracy, or delete this account oof my credit file.It 's still today reporting inaccurate on my credit file. 

According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. They are in validation, and therefore this account needs to be deleted permanently.
Product: Checking or savings account

I have have checking account at Citi Bank. 
My name is XXXX XXXX. 
I called my bank on XX/XX/XXXX regarding the check was cashed. Check date XX/XX/XXXX in the amount {$1300.00}. I wrote the check to my contractor. I was in a hurry and let the space : check payable to blank since I was not sure about name spelling. He reassured me he would write his name on the check. In XXXX I saw the copy of the check that was cashed and was surprised it was cashed with no name on it. Since we had some issues with contractors job I was concerned he may say I didnt pay him. I called Citi bank with the question how this check could be cashed without name on the check. I acknowledged I wrote the change and the amount was right. 
I was told it will be investigated and I will be contacted. Few months later I received the letter from the bank regarding completely different check in the amount of {$200.00} with I didnt even question? 
On XX/XX/XXXX I received a letter from Citi Bank dated XX/XX/XXXX with request to complete the form regarding fraudulent check. 
The following day, XX/XX/XXXX I received the email from Citi Credit card my automatic payment was declined since my account was closed! 
I called Citi Bank on XX/XX/XXXX, spoke with Fraud department. I learned my account was locked and I need to complete the form mailed to me. Form can not be emailed and my account will be locked until form is received! I was advised to go local branch. On XX/XX/XXXX I had to rash into Citi Bank in XXXX XXXX. Branch manager could not assist me. I called from the Branch to Fraud department again. I explained again check I question is a check I wrote. I dont consider it fraudulent but I was under the impression Bank should ask a person who tries to cash the check put his name on it. Fraud department representative gave me to option : close the case and my account will be open immediately so I can pay my bills or continue the case but my account will remain locked! This was outrageous blackmail! I had to pay my bills and I agreed over the phone to close the case. My account was open immediately. I asked fraud department representative for assistance in dealing with my declined payments. He told me it was my problem! 
Meanwhile my XXXX auto bill was declined and my XXXXXXXX XXXX  credit card auto payment was declined! 
I had to pay late fee Citi credit card {$30.00} XXXX XXXX {$25.00}, XXXX {$25.00} I was not notified by Citi Bank in timely fashion about their intention of locking my account! I just learned about it when my payment was declined. 
This is unbelievable! They did not apologize and they owe me, not just late fees, all the inconvenience, going to local branch in XX/XX/XXXX. I am filing this complaint few months later since I had XXXX on XX/XX/XXXX and was recovering. I hope to hear from Citi management soon. I was with Citi for more than twenty years and considering changing the bank. 
XXXX XXXX XXXX
Product: Checking or savings account

I would like full investigation in what is taking place with my funds. Capital one has been holding both mine and my husband 's direct deposits. We have no access to any of our funds and it has been over 48 hours. I have payments that were supposed to come out of my account for bills and they will now be returned. We are coming up to a long weekend with Monday being a holiday and i need access to my money. All fees and late charges will need to be refunded and Capital one will need to pay those and be responsible for all the late fee, od fees, etc I would like the CFPB to hold Capital One responsible for all fines and fees that we will get assessed with
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to seek assistance from you regarding inaccurate accounts on my credit report that are still reported in disdain of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX, XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$9000.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00} ; DEPT OF ED / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$3600.00} ; DEPT OF ED / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1800.00} ; DEPT OF ED / XXXX XXXX Opened XX/XX/XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4700.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$3800.00}.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX FIN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account number:XXXX  This account is reporting inaccurately on my credit profile it says this account is charged off for {$680.00}. I asked the creditor for a 1099c form and they replied stating we are unable to fulfill this request because we have not filed a form 1099 c as there has not been a forgiveness or cancellation of debt in the amount of {$600.00} or more for this account please remove from my report immediately this account is reporting inaccurately!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. 

I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct this account immediately : XXXX XXXX XXXX XXXX : {$10000.00}.
Product: Credit reporting or other personal consumer reports

On checking my credit report, I noticed that sum and Inquiry all my credit report, it is in accurate Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhose unauthorized is hurting my credit
Product: Debt collection

Calls all day long at my job. I am not able to accept phone calls at my job. They call and leave messages daily.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602A. 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: Debt collection

the original amount was {$190.00} which was charged on XX/XX/XXXX i requested a fraud alert on my bank account because i didn't know where that money was being pulled out from then i received a call from the debt collector saying the amount was doubled the original amount plus the money the bank " took from them '' which was mine since it was taken out of my account first, once i knew why the money was being taken i cancelled the fraud but i keep receiving constant calls saying the amount due to pay is {$390.00}. other than that when i cancelled the fraud the balance of {$190.00} was payed in full it shows in my credit score that it has been payed but the debt collector still harassing me through constant phone calls when the debt has been payed in full already. also when i spoke to the agent collecting the debt they told me the collection charge was going to be lifted which haven't done since XXXX because they keep saying the balance due is over {$300.00} should I filled a lawsuit against the XXXX? what should I do?
Product: Debt collection

Received a call from CBE Group, requested contact number, and company they are representing was treated very rudely and denied a number, or the name of the company they are representing.
Product: Debt collection

This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$3900.00}. They have reported used XXXX, XXXX  and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.

I request that your services remove these infrastructions from my SSN.

I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX, XXXX, and XXXX. I also request that my information be moved from this company 's data base.
Product: Debt collection

On XX/XX/2019 I contacted Pro collect via chat to attempt to negotiate a settlement amount. I was advised that was not possible because their company does not provide settlements. I was told to pay the balance in full and given payment options ... I disconnected the chat ... I proceeded to go online and make a payment of {$180.00} plus the company charges a {$7.00} processing fee bringing the total to XXXX to be deducted out of my checking account.. I was called this morning XX/XX/2019 on my new telephone number that they shouldn't of had and advised that I had a balance of XXXX from an old apartment and that I've made {$660.00} worth of payments in XX/XX/2019 and XX/XX/2019 ... I was told that the payment of {$180.00} that I made online would not be processed because I have to pay the full balance of {$1300.00}. I told them I don't have the full balance.. The representative then proceeded to tell me in a very rude way that I needed to make that payment now or he would mark my account as refusal to pay. I made payments and attempted to make a payment yesterday and this morning I was advised my credit report would be marked as refusal to pay and that's not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the victim of Id theft an company is listing 20 inquiries that are not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXI wired {$400.00} from Bank of America to my XXXX XXXX account at XXXX XXXX. When the money did not appear in my account I inquired with Bank of America, Options House ( now apparently part of XXXX ), and with XXXX.
At Bank of America I called every phone number associated with my account, and for hours was transferred to phone menu after phone menu by customer service reps and the automated phone system. Today I went to a branch where the banker experienced the same run around, and could not locate my funds.
When I contacted XXXX XXXX I was informed that the XXXX XXXX account they have been using for years was closed. and that the wire would be rejected. After a week it has not been returned to my account. I had a similar set of conversations with XXXX.
Still no money.
Product: Mortgage

This is my third complaint against Bank of America. The first is numbered : XXXX and the second is numbered : XXXX. I am submitting a third complaint because my original issue fails to be addressed appropriately or sufficiently. I have expressed this to the Bank of America XXXX representative, XXXX XXXX XXXX. He called me on XX/XX/XXXX and proceeded to get very argumentative and to deny what he stated to me over the phone, splitting hairs to defend Bank of America and refusing to acknowledge the bank 's lending age discrimination tactics. I then stated to him that these tactics span an entire year. He apparently did n't realize I had a second experience this year with a BofA loan officer. However, I did state this repeatedly in my communications to Bank of America and XXXX XXXX 's lack of knowledge of this information means he is and was not paying attention and not reading my communications I also stated the same information to a XXXX XXXX XXXX who also did not process this information and did not respond to me in a way that indicated he was including the two incidents of age discrimination which I clearly stated to him. This entire debauchery, from the incidents with the two loan officers and the two men, XXXX XXXX and XXXX XXXX, who allegedly investigated my claims, means that no one is taking what I am saying with any weight or seriousness and are not taking the time to pay attention and investigate EVERYTHING. They are leaving certain facts out, I want a new investigation to include the second attempt I made THIS YEAR to refinance, and for which I was refused with a 3-5 minute phone call. I again was advised by XXXX XXXX that there are other programs for which I could have applied but which was not told to me either last year by XXXX XXXX or this year by the second loan officer. That second attempt this year was made on XX/XX/XXXX at approximately XXXX EST.
Product: Credit reporting or other personal consumer reports

XX/XX/year> : - Capital One is charging me {$430.00} for an account that I didn't open and authorize. 
- XXXX XXXX account open that I didn't authorize for {$1300.00}. I contacted XXXX about closing the account due to fraud and I didn't open an account for home or mobile. They informed me that in order to close I will have to pay the past due balance or it will be sent to collections. 
- XXXX XXXX charging me {$510.00} and I am unaware of and I didn't authorize any charges or opening of this account. 

XX/XX/year> : Debt collector XXXX XXXX XXXX has reported I owe {$8900.00} when my rent was paid by our florida and my county rental assistance program for my entire lease during covid-19 to the previous management. The previous management did not report that my balance was {$0.00} to new management and the new management is attempting to collect something I do not owe. This have been reported to my credit report and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Department of Edu XXXX & XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX & XXXX are both past 7 year reporting.
Product: Checking or savings account

My CitiBank checking account was recently closed. It was closed right after I received {$23000.00} deposit to my account. I have been waiting on this money all year to take care of bills and stop my XXXX situation. My account was closed and I was told I have to wait 30-60 days for the account closure and a check will be mailed to my home address. Well within that time frame, I wont even have an address to live at. Furthermore after doing research online, this has been done to hundreds of Citibank customers and they all just lose their money and never get it back. Im so stressed out and just dont know what to do and was told that contacting you guys me be my best option. I have no access to my funds and no way to get them out or no guarantee to ever receive them.
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

I received several calls from a company called Unified Global on a debt I believe to be payroll advance but I am unsure. A XXXX XXXX said this was my last chance to settle debt or he would tale me to county court. He was talking in intimidating manor and several vailed subtle threats about garnishing wages etc however i am filing for XXXX and have no job. He left message on my phone.