23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In XXXX XXXX, I was asked by a Citizens Bank Investment Counselor XXXX XXXX XXXX XXXX to take my IRA Account of {$93000.00} and invest my retirement funds with Citizen Investment Services and was orally quoted that my retirement account would yield ( at least ) 8 % OR greater but no less than 8 percent annually. The income would then be posted on the XXXX anniversary date of the investment. I became worried and very upset upon getting monthly statements from this new investment put forth by XXXX XXXX XXXX. In fact, my $ XXXX investment within months showed a decrease in excess of {$4000.00}. I became so upset when receiving statement after statement with a huge loss of my retirement funds, I made several phone calls and e-mails to XXXX XXXX who explained that when ( in XXXX XXXX ) the posting of my first anniversary dividend ... that I would see a huge dividend and increase to my investment. I really thought XXXX XXXX was being honest with me, however, I soon learned that he lied to me about the return on my investment and too, that an investment friend whom I later became associated with told me about FINRA, an organization that keeps track of investment brokers, etc. Much to my surprise, XXXX XXXX had a complaint lodged against him for which he was found responsible for and too made to make restitution of {$9100.00}. I did file a complaint with XXXX XXXX 's parent company located in Massachusetts, however, they too, replied to me with bold face lies as to the scenario of events and too, what XXXX XXXX told me. In fact, to prove my point, XXXX XXXX, probably through a mistake copied my entire file he had on me, sent to to an investment broker and included a brochure which stated that the investment could yield better than 8 % or better. This proved that I did not just make up the percentage return on my IRA investment nor that I fabricated anything. I just received my XXXX XXXX Statement and AFTER SIX YEARS, my principal balance increased ONLY {$10.00}. Citizens Investment Services USED my {$93000.00} and probably earned 30 % or better. This is morally, ethically and criminal. Lastly, I did find out that the Security and Exchange Commission has repeatedly fined the Citizens Group of wrongful acts among its many spin-off subsidiaries. I NEED YOUR HELP to get my investment back together with the dividend income promised me, since inception. I am enclosing several documents and can give you the name of someone who has additional information in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Transunion in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.
Product: Mortgage

My mortgage is owned by XXXX, we have painfully dealt as best we can with all of the shenanigans our lender has stuck us with over the past 10 years. XXXXGreentree&gt;Ditech, A XXXX company.  We have battled almost every step of the way when my husband was XXXX in XX/XX/XXXX.  Now we are in foreclosure again due to a modification trial payment mishap which now has us devastated and in fear of losing the one thing that we have worked so hard to keep since purchasing in XX/XX/XXXX.  I've tried calling my "acct rep" multiple times, left many messages, emailed a request for them to call me, and have called the main number several times with no success getting someone to help us.  My calls going unanswered and ignored have me furious and suspecting that we are being mistreated in every possible way.  Like many others I've read about dealing with similar problems with this company, I feel certain these are not simply "isolated cases" and certainly no accident.  I want to keep my home and they don't care to help properly. They've changed my account number multiple times, and assigned me many different reps through the years, now I feel I'm falling on deaf ears.
Product: Credit card or prepaid card

My card company keeps lowering my credit limit without telling me and without cause. I have never had a late payment but theybhave lowered the balance several times to keep me maxed out.
Product: Debt collection

I have been contacted 3 times now by I.C. Systems regarding a supposed debt with XXXX. I was contacted on XX/XX/year> via text. I reached out to the company and told them I was disputing this charge as I had already addressed it with XXXX. I was told the collection would show on my credit report starting XX/XX/year>. I replied again that I was disputing the charge. 
I was contacted again today XX/XX/year> via text and I again reached out to reiterate that I was disputing the charges. I also reminded them that as the previous call was recorded ( I was told there were notes on my account to that effect ) and that I have not received anything by mail or been given any address to mail anything to, I have now responded in the same manner in which they contacted me to dispute the charge. Given that now both conversations have been recorded, they have my dispute of the charge on record and they continue to harass me and they have yet to show it as in dispute on my credit report. 
I addressed this supposed debt years ago with XXXX  directly and to my knowledge it had been resolved.
Product: Debt collection

As I am now looking for an apartment to purchase, I noticed, much to my surprise that there is Collection Item on my Credit Report. I am in the process of chasing it down and have discovered that it originates from a company called XXXX. I am extremely annoyed by this as I HAVE NEVER received bills from this company and now I find that a large amount is in collections and I am very concerned that this could effect my credit.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Hard Inquiries To Whom It May Concern, I am filing a formal complaint against Experian for their failure to correct inaccurate hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request a reasonable investigation. However, despite multiple attempts to rectify this issue, Experian has continued reporting unauthorized and inaccurate hard inquiries on my credit report. 

Disputed Hard Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX I have contacted Experian multiple times through phone calls, certified dispute letters, and formal dispute forms, but my efforts have been ignored. I previously filed disputes with Experian, yet they failed to conduct a reasonable investigation and instead directed me to contact the creditor without initiating an official dispute process. This violates my right to a fair and thorough investigation under the FCRA. 

Violations of My FCRA Rights by Experian : 1. Right to dispute inaccurate information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) 2. Right to a reasonable investigation of the dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) 3. Right to receive written notice of the investigation results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) 4. Right to have inaccurate or unverifiable information deleted or modified ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Request for CFPB Assistance : I am requesting that the CFPB require Experian to : Conduct a reasonable and fair investigation into these disputed inquiries. 
Provide written documentation of the investigation results. 
Immediately remove any unauthorized or inaccurate hard inquiries from my credit report. 

These errors have negatively impacted my credit score and financial standing. I seek an immediate resolution and request CFPB oversight to ensure Experian complies with the FCRA and corrects these inaccuracies. 

Thank you for your time and assistance. I look forward to your prompt response. 

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

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on TransUnion saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX  and TransUnion should have some blame as well because dates and amounts don't line up and TransUnion was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
Product: Debt collection

My identity was used to get a lease in my name without my knowledge which was a result in fraud I have reported it to credit bureau and placed a fraud alert on my account since this has happened and the company has refused to remove the item and close it, XX/XX/year> I got notification that the account was closed with a balance and then today they have reopened the case back open after I have reported it was fraudulent, they have allowed a fraudulent dept continue to remain on my credit when I have never rented a apartment
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I cashed a check with Chase back in 2015 and contacted customer service to verify that the check was not fraudulent. The customer service representative said that their was no issue with the check and the funds were in my account and available for withdrawal so I withdrew {$1500.00} assuming that they were correct and three days later logged in to my account to find out I had been charged {$12.00} and the {$1500.00} because the check was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached from Transunion today. More form letters, passing the buck, and words that dont mean anything. It is simple for those that care. I expect Transunion to live up to their word and follow the requirements of the Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item This does not mean to shuffle paper, pass the buck, and feel like they have done their job. I received the attached because I made a complaint against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX allowed a car to be fraudulently purchased in my name. XXXX XXXX did not have permissible permission to access my private information / credit report which then led to a fraudulent and forged loan. XXXX XXXX denies wrongfully denies the forgery but can not deny permissible permission that led to the fraudulent loan. XXXX XXXX refuses to submit the valid permissible permission together with the dated credit report as evidence of permissible permission. It is that simple. XXXX XXXX refuses while Transunion then requests XXXX XXXX to validate the information. So nothing gets done and the FCRA does not prevail. XXXX XXXX is dodging, Transunion is shuffling paper while sitting in a cubicle pushing buttons, and I have been dealing with this for 4 years. The other loan ( Together XXXX XXXX ) for the other car that was purchased fraudulently at the same time has been dropped LONG AGO. They are a more professional and educated company. This complaint is directed towards Transunion. If Transunion sends this complaint to XXXX XXXX to hear their programmed response, I will complain again and again and the FCRA requirements will never prevail. I am asking the person at Transunion that is reading this to request the permissible permission and credit report from XXXX XXXX and then review the accuracy and completeness of any disputed item ( FCRA ). I am copying XXXX XXXX but they will simply delete by labeling duplicate when they have yet to address one request and complaint.
Product: Debt collection

I repeatedly have asked for the final bill from XXXX. I left the company owing {$610.00} this was the amount showing in my XXXX app. After I left XXXX I lost both access to my account information and my ability to make regular payments. I have spoken to XXXX on the phone and via email to get an accurate balance. I've also asked then via email why the final balance is greater than it was before I left and to explain it. Not only have they never responded with the information, neither responded to my request to make payment arrangements for the balance... they just sent my account to COLLECTIONS for an exaggerated amount. 
I opened an email from IC systems over the weekend and had to check ( 2 ) acknowledgement boxes BEFORE they would let me access the screen that showed how much they say I owed which I do not accept. I do not owe an over {$900.00} dollar balance. They are trying to extort money from me and other consumers according to an existing lawsuit and settlement which is actively being adjudicated. My account does not belong in collections and they better not try and report this to the credit agencies as I have not be allowed to 1 ) access the system to pay the balance myself 2 ) make monthly payment arrangements to settle the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. 



In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... ( XXXX XXXX ) has violated my rights NUMEROUS of times.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I Demand These Accounts Be Removed From My Credit Report Listed Below. 

XXXX XXXX XXXX XXXX. XXXX XXXX.
Product: Debt collection

As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is  [or XXXX dollars].
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. XXXX continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with XXXX about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported aXXXX XXXX  days past due by XXXX . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead XXXX caused my score to drop XXXX points and I no longer qualify for loans.
Product: Debt collection

I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.???
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital one has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, ad I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This acoount is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries on my XXXX account for XXXX XXXX XXXX dated XX/XX/XXXX. The other is Credco XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all 3 credit bureaus ( XXXX, XXXX, XXXX ). I need help in this process. 

In addition, there is a new account on all 3 credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have put a 90 day late payment on my credit report. I had no knowledge that the account needed too be paid. I thought it was in forbearance and I get a ding on my credit. Ive asked them many times if there was anything I could do too get the late payment off and they just keep telling me no. Ive never missed a payment besides that and I regularly pay on time and sometimes pay twice a month. Please help me get this off. Thank you
Product: Bank account or service

On XXXX XXXX I went to the grocery store, pulled out my phone bank app, checked my balance and bought groceries for XXXX It showed I still had XXXX left. 
Next day I got an overdraft fee and the bank said it covered the transaction even when I do n't authorize them to cover transactions for me in my settings. 
I transferred funds to cover the overdraft over the weekend. 
They put a {$35.00} fee and bounced another transaction for me. 
They absolutely refuse to refund the fee and are holding my account hostage in the negative. They are going to start raping it this week. Then they 're going to send me to collections and ruin my credit. The overdraft in my account is exactly the amount of their fee. I 've covered all my overdrafts and paid all my vendors.