23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a dispute against National Credit Systems and XXXX XXXX. 

I moved into XXXX XXXX  in XXXX and was paying rent of $ XXXX  monthly ( HUD Housing ). 

In XXXX, XXXX filed an eviction against me after numerous times losing in court against me. I filed XXXX escrows in XXXX as the landlord had blocked the platform for me to pay rent. The first escrow was released to the landlord after the 2nd dismissal. The first eviction dismissal was voluntary on the landlord 's side and the second eviction was dismissed by the court. 

I filed a second escrow again and the landlord asked the court to release the money to me. In XXXX, they filed 2 evictions against me and the first one was voluntary dismissed again by the landlord and the second eviction was granted because I did not show up to court as I had prepared to move out. The landlord also filed a money lawsuit against me which was dismissed by the judge in XX/XX/XXXX. 

In XX/XX/XXXX I got a credit collection on my account ( even though the court had not yet filed a decision ) in the amount of {$10000.00} filed by XXXX XXXX with National Credit Systems with a fictitious bill with no merit. I filed a dispute with National Credit System and they dismissed it saying I did not have enough evidence. In XX/XX/XXXX, I got an email from them saying I can settle for half the amount by XX/XX/XXXX. I will not be doing that and I will not pay a single cent to these thieves.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by Experian. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable credit reporting. However, despite my previous efforts to resolve these errors through dispute submissions, the inaccuracies remain unresolved.

These issues are very similar to the practices identified in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( CFPB v. Experian Information Solutions , Inc. ). The CFPB highlighted the systematic failure to correct errors and ensure accurate information on consumers credit reports. I believe this pattern of non-compliance has directly impacted my report.

To resolve these inaccuracies, I request : 1. A thorough reinvestigation of the disputed items.

2. Correction or deletion of the inaccurate information.

3. Written confirmation of the changes made.

If this matter is not resolved within 30 days as required by the FCRA, I will escalate my complaint to the CFPB and other relevant authorities. 

Thank you for addressing this issue promptly. I look forward to your response within the required timeframe. 

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

Today, I used XXXX to view my three reports online. The first one, XXXX went fine, and I viewed and saved my report with no problems. When I tried XXXX, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX  had no problem. When I tried Experian, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what Experian shared with the world, and the same with XXXX? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with XXXX and Experian in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on XXXX and Experian and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA
Product: Mortgage

In XXXX of last year our bank, Berkshire Bank sold our mortgage to a company that services our mortgage. The " new '' company has Berkshire Bank on their letterhead and when we call them the phone is answered " Berkshire Bank ''. We have tried to go to Berkshire Bank to discuss our problem and they tell us they don't have our information and can't give us any information. Back in XXXX when our mortgage was transferred we started receiving information that said our escrow was short and they can't explain why. First they said it was homeowners insurance but we have ben paying our homeowners insurance since we purchased the house and was in full effect. Then they said it was for our real estate tax had gone up ( {$3000.00}? ). Our mortgage has always been around {$1000.00} since purchase. We then started to receive monthly statements that said our new payment was approx. {$1300.00} because our taxes went up. We have spoken to several people at the bank and they always see there is a problem and will call back. They never call back. We have done this so many times and explained this to many people and the issue still have not resolved.
Product: Debt collection

Collection account appeared on credit report for ALL 3 bureaus and I have NO knowledge of this debt. 

Alert Date XX/XX/XXXX Source XXXX Company SOUTHWEST CREDIT SYSTE Address XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX CARDS XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity XXXX should be removed by the company for account ending XXXX. 

Report was to be fully removed, not Legally paid in full for less than the full balance. The false reporting has gone on too long and should be removed. I was told it would be completely removed years ago and is still not being reported correctly. It is almost 6 years old and still lingering. Please have removed as it was promised 5+ years back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status XXXX
Product: Checking or savings account

My account was randomly frozen with no reason why. My monthly bills are due including rent with the verge of being evicted due to not being able to access funds. Ive called everyday since and their response is theyre still reviewing. This doesnt seem legal in any aspect. This is Pentagon federal credit union ( Penfed ).
Product: Credit card or prepaid card

I have a citi Visa card. It was through the XXXX membership promotion and part of the requirements is to sign up a credit card with Citi bank. I no longer owned the XXXX membership and my credit card was forced to be closed due to the promotion to XXXX membership. 
However, I havent paid off on my balance in the card and Citi bank doesnt allow my access to my account. I believe it is my right to have to access if I am still obligated to pay off the balance. 
They claim that they would start sending me a paper statement but if my account is close and I dont have an access to the account, how would I be able to receive a monthly statement. What if it get lost in the mail, whos reasonable for it if I miss a payment? I would not like to have a missed payment or not knowing how much Ive paid off and how much I still owed. If I am still responsible for the account, I should have the access to the account. 
Thanks, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, our client 's email account evidently was hacked changing the client 's wire transfer instructions from his bank, XXXX XXXX XXXX XXXX, to SunTrust Bank in XXXX, FL. A wire transfer in the amount of {$53000.00} was sent from XXXX XXXX in XXXX, KY to SunTrust Bank in XXXX, FL and was deposited into a fraudulent account by SunTrust. The receivers name on the wire did not match the name on the account described in the wire transfer instructions, however SunTrust deposited the money into an account and allowed it to be withdrawn. SunTrust was contacted by XXXX XXXX in an effort to retrieve the wire but SunTrust refused stating the money had already been withdrawn. <P/>We believe SunTrust Bank violated Federal Banking Code 4A-207 of the Federal Banking Regulations ( attached ) and  request a full return of the {$53000.00} that was placed into the incorrect recipients account by SunTrust Bank.
Product: Mortgage

I was approved for a loan modification without the borrower signing any of the request for the loan Modification. after paying three months trial period. I received paperwork from Penny Mac! requesting for the borrower to sign the final mod documents. The borrower did a quick claim deed to me which I 'm the co-borrower as he was no longer interested in the property. I asked my mortgage company if there was a way I could get all docs signed without borrower due to the quick claim deed. They advised that he had to sign the documents or they could n't go through with the Modification. My home is now in foreclosure sale date is set for XXXX/XXXX/17.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Transunion. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Transunion credit report. 

Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. 

I am perplexed as to why this fraudulent account continues to be reported by Transunion despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Transunion credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

XXXX ( Original Creditor : XXXX XXXX  ) XXXX
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 right to privacy and confidentiality under 15 USC 1681. 
XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX  account number # 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 : its 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 then seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. Address proof sent. 
Please delete these items. Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX BANK ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * XXXX XXXX XXXXdismissed, wrongfully filed under my social XXXX report and ID and address verification attached*** ADDRESS ATTACHED AND FTC AND ID AND SOCIAL
Product: Credit reporting, credit repair services, or other personal consumer reports

My letter dated XXXX which was mailed to you on XXXX. That letter was mailed to you by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter new documents in your XXXX System. I have filed a complaint with your Dispute Department and your Office of Consumer Affairs. 

THIS NEW AND RELVANT EVIDENCE. DO NOT INGNORE THIS COMPLAINT. 

On several occasions you have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. 

According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$540.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. 

CC : XXXX  State Attorney General CC : XXXX State Attorney General XXXX : XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/year> I opened a new checking account with Citibank at the local branch. I deposited a check for {$15000.00} to open the account. They then put a hold on that check for XXXX  days. When the funds became available and I received my ATM card in the mail, I performed a few transactions on the account by transferring some money to a friend through XXXX. The total of these transactions was only {$120.00} total. XXXX for {$20.00} and another for {$100.00}. I then received a message online that my account was frozen and under investigation by the fraud division. I was given a number to call which I did. They had no information to offer me except that it was under review for XXXX hours. They told me if I needed further information to go to the branch where I opened the account. I went to the branch and they called that division and again could not give me any further information except that my account was on hold but I did have access to funds but could not wire transfer. When I asked the branch XXXX to provide my balance in cash, she said she had to make a phone call first. After that phone call they completely froze my account from any transactions and essentially took my money and said they were closing my account and I may receive funds in the next XXXX  days. I have called several times and let them know they can not take my funds and keep them as well as not provide any explanation. They can not or will not give me a phone number to dispute this and the fraud division conveniently does not take phone calls. I have researched this online and there are XXXX 's of these cases that have the same baseline story as my own. This is criminal and they think they are above the law. It's a wonder why people don't trust the american banking system.
Product: Credit card

Office Depot Credit Plan has closed my account after " review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account.
Product: Bank account or service

I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.
Product: Credit reporting or other personal consumer reports

I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is chime card for {$2000.00} current card for {$550.00}, XXXX XXXX for {$2500.00}
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX through XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA I, XXXX XXXX XXXX request that LexisNexis immediately notify XXXX  of the folllowing : That the bankruptcy Item XXXX  is deleted/suppressed from my file. And to provide me with a copy of said communication.

Under the FCRA, XXXX XXXX XXXX  has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Product: Debt collection

Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The Best Service Company since receiving this letter.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX VA. I had a XXXX XXXX XXXX which I leased from a XXXX Dealership in 2015. I went to XXXX XXXX to trade this vehicle in and purchase a new one. XXXX XXXX staff XXXX XXXX as well as XXXX, XXXX XXXX ( GM ) all made me believe that they would accept the XXXX as a trade in, asked me for my keys and kept the vehicle for almost 2 months. They advised me they would pay the XXXX vehicle off and add the charges/debt to the purchase of my new car loan. It wasnt until XXXX began harassing me for payments for the next 2 following months that I called XXXX XXXX and asked them for proof that they had paid the XXXX vehicle off. They then advised me that I needed to go to the dealership and pick up the XXXX ( without tags ) and take it myself to a XXXX Dealership and turn it in. About 2 days after I reached out to XXXX XXXX to ask if they had paid the vehicle off and they told me that they would only pay for the last 8 months that was left on my lease, but any mile overage along with any late fees, wear and tear usage charges would be my sole responsibility. Here I am now 2 months later due to my own investigation with a damaged credit for late payments since XXXX XXXX has not paid the XXXX off as well as a balance of over {$4000.00} for overage on miles, late fees, etc. I have asked to speak to management with the dealership but they never return my calls. I even reached out to XXXX XXXX in North Carolina via emails which I still have but they have not replied. I also reached out to a supervisor in the Corporate Offices who has also ignored my emails.
Product: Checking or savings account

Chase Bank closed my account for no apparent reason and is not willing to disclose the reason why. I spoke with them multiple times, but all I got was " we are not legally obligated to disclose reasons why ''. I am still in shock and disbelief that this is happening. Not sending any notices or warnings prior to closing one 's account is simply bad business. I would appreciate if this could be investigated further, so that I at least know why they decided to take such a serious step. I have never heard of something like this happening and am in complete shock since this will put me in a disadvantageous position financially and impact my future significantly. If there is a way to find out what happened, I would greatly appreciate if someone could get back to me. This is just terrible. Thank you in advance!