23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX, opened a Citibank credit card account ( Citi Rewards+ ) and requested statements be sent via US Mail. ( I have several Citibank accounts- they are all set up for statement delivery via US Mail ) I did not receive any statements for this account. After 60 days, Citi reached out to me to let me know they had not received payment. I inquired with Citibank about the statements. Citibank did not know why the statements had not been sent and was unable to resolve. I paid the amount due in full immediately and Citibank refunded a {$40.00} late fee and agreed to adjust credit agency reporting. I did not use this card any longer because of the unresolved statement issue. 

This week, I applied for a mortgage and was informed that credit approval it was going to be an issue because Citibank was reporting a 30 day and a 60 day late payment on this credit card account resulting in significant decline in my credit score. 

I spoke with Citibank on XX/XX/XXXX and they were unable to determine why I had not received any statements. We did a series of tests, switching the account to electronically delivery to see if I could receive electronic mail from Citibank. While I receive other communications from Citibank electronically, Citi was unable to send anything related to this specific account to my email address. Obviously, there is a technical issue prevent statements from being delivered. ( Notwithstanding their initial error in not sending statements via US Mail ) Citi could not figure out why the account was not originally set up for US Mail delivery as explicitly directed and was not interested in resolving the issue. I have not used this card since the initial statement delivery issue.
Product: Credit reporting or other personal consumer reports

Ive written multiple letters to the credit bureaus ( XXXX, TRANSUNION, XXXX ) pleading with them to be removed. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Since then I received a copy of my credit report on XX/XX/23 and found TRANSUNION, XXXX and XXXX Still have FAILED to do so. I've contacted the credit bureaus about this and still no respond. I have submitted F.T.C Police report STILL no response. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating. 

Sincerely yours, XXXX XXXX XXXX
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 fail to take timely and effective measures To prevent an 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 app ( EFTA ) and Regulation E. These actions have caused significant Inconvenience and Financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I applied for an bank account, but was told that they had to decline my application. The reason for declining my application, because my Credit report had a freeze on it. I have spent two days reaching all three credit bureaus about having a freeze on my report. All three credit bureau stated that I DONT have a security freeze. So, now I can not open any accounts, because of this.
Product: Money transfer, virtual currency, or money service

On XXXX I deposited approximately XXXX XRP ( Ripple ) in the Kraken exchange account identified with public ID XXXX XXXX XXXX  XXXX ( you can see deposit details in the attached file ) My deposit is listed as " on hold '' for more than 3 Months and I have completed all of the verification levels. and my withdrawals are suspended. I created a ticket to deal with the problem # XXXX. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. '' Please Help me. 

my E-mail XXXX XXXX
Product: Debt collection

CONVERGENT OUTSOURCING is showing on XXXX  and XXXX credit report falsely as ofXX/XX/XXXX, date opened XX/XX/XXXX, account balance {$420.00}, last reportedXX/XX/XXXX. ALL INFORMATION PROVIDED IS FALSE!
Product: Debt collection

On or about XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX informing me that I, personally, owed approximately {$15000.00} to a company named XXXX XXXX XXXX, also located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

I have known this company, and the the owners for many years. Various companies that I have worked for did do business with them. One such business, XXXX XXXX XXXX, did do business with them in XXXX, and those transactions resulted in the $ 15,000+ dispute. XXXX XXXX XXXX believes that XXXX XXXX owes them a considerable sum of money, and perhaps XXXX XXXX feels it is the other way around. 

However, I am not, and have not been, an owner, or an employee, of XXXX XXXX XXXX. I had nothing to do with the business dealings or transactions that created this dispute. Notwithstanding that fact, XXXX XXXX engaged the business next door to them - National Commercial Services ( NCS ) - to begin collection proceedings against me, personally. This was, and is, an obvious attempt at harassment. XXXX XXXX and NCS clearly believes that by subjecting me to this campaign of harassment, I might pay the debt they allege is owed, or at least lobby XXXX XXXX XXXX to pay the debt. 

On XXXX XXXX, XXXX I dispatched a letter to XXXX XXXX XXXX of National Commercial Services, informing him in no uncertain terms that I was not, and am not, a party to the debt, and their attempts to collect this debt from me is improper and exposes them to liability. 

Still, NCS continued it harassing collection attempts with additional demand letters. On XXXX XXXX, XXXX I learned that NCS placed an {$18000.00} collection debt on my XXXX credit report. I assume NCS has done likewise with other credit reporting agencies. 

This egregious and inappropriate action has obviously caused me severe troubles, as I have been attempting to rent a home and apply for other types of consumer credit. 

These tactics to extract money from myself, a person who is not, and never was a party to the underlying transactions is a flagrant abuse of the Fair debt Collection Practices Act ( FDCPA ). I respectfully ask that the CFPB take appropriate action against National Commercial Services of XXXX XXXX, California, and that they be ordered to remove their collection debt against me from any and all credit agencies.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN ( RE : REPORT COMPLAINT XXXX ) I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY WITH SUPPORTING DOCUMENTATION THROUGH THE CFPB TO DELETE THESE ACCOUNTS, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE. 
SEND ME A DESCRIPTION OF YOUR REINVESTIGATION PROCEDURES FOR EACH INDIVIUAL ACCOUNT LISTED BELOW. 
( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ) ( XXXX XXXX  XXXX I OBJECT TO ANOTHER REINVESTIGATION. I REFUSE ANOTHER REINVESTIGATION ( ONLY SEND ME A DESCRIPTION OF THE REINVESTIGATION PROCEDURES FOR EACH OF THE ACCOUNTS ) YOU HAVE 15 DAYS TO RESPOND TO THIS LETTER WITH THE INFORMATION REQUESTED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Car inquiries I went into the dealership with a pre approval from XXXX XXXX XXXX, the Make that was helping I gave the pre approval and stated this is the only company I would like my credit pulled from since I already had an approval. XXXX and his boss assured me that they would only pull from XXXX XXXXXXXX XXXX but when left I started to get a bunch of inquiries. I did not authorize XXXX to pull my credit from all the companies they pulled from. 
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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXXam demanding the deletion of the accounts listed Immediately.
Product: Mortgage

I am writing to formally request assistance regarding an issue I am experiencing with Amir Home Mortgage. In XX/XX/year>, I applied for a loan modification or foreclosure alternative and was approved with the contingency that I make my XXXX, XXXX, and XXXX mortgage payments, which I successfully completed. I was informed that after my XXXX payment, I would receive the necessary paperwork to finalize the process. 

Unfortunately, I never received this documentation. Despite my efforts to inquire, Amir Home Mortgage did not provide a tracking number or any confirmation that the paperwork was sent. On XX/XX/year>, I received a letter stating that my request for a loan modification or foreclosure alternative was denied due to my failure to return the required documents. This is both incorrect and unjust, as I never received the documents to complete the process. 

To make matters worse, I am now being harassed with repeated calls from the company, asking redundant questions such as whether I plan to keep my home, about my income, other questions that I've been asked numerous time and should be in their system due to no change on my end. This is causing unnecessary stress and confusion, and I believe their lack of communication and accountability has put me in this situation. 

I kindly request your office to investigate this matter and hold AmeriHome Mortgage LLC accountable for their actions. I have fulfilled all my obligations and deserve a fair resolution and appeal in order for them to resolve this matter and correct my credit report due to reporting inaccurate.
Product: Student loan

I currently can not pay my loan to Navient and told them via phone. Theywere nasty and said I will pay them or else. I told them that calling meXXXX times a day wo n't get them paid, as I am not working, and am in theprocess of losing my house. They said they need to get paid and do n't care. 
I was instructed by an attorney to send a cease and desist letter to them, which I did. Today the calls began again. I was told by a Navientrepresentative that collections laws and cease and desist letters don'tapply to them. They do n't care what my situation is, and they will continueto call every day, all day, until I pay them. I recognize I have a loan, but Iam unable to pay my utilities or mortgage, and have to sell my home. Thereneeds to be some protections under the Fair Debt Collections Practice Actthat applies to student loans. I 'm told I can not even refinance them, or haveany help, because of it being a private loan and my credit score is nowfalling. There must be some protection available to consumers falling prey toharassment. I asked why I did n't receive a response to my letter, and theytold me it is in their system. I was read a statement that it does not apply tomy case ( FDCPA ), but they have neither sent me a copy or agreed to sendone to me. There are XXXX of people who have similar experienceswith Navient/XXXX XXXX that I found online. It 's time to stop them frombullying tactics.
Product: Credit reporting

In progress dispute for Case number : XXXX. The company 's answer is not relevant to the situation. Clearly a stock answer they have brewed up. I HAVE disputed the information and can not access the dispute. Furthermore, I am unable to submit any disputes online. The system rejects me any time I try. Finally when I try to call to fix it I am passed around like a hot potato. There is erroneous information on my credit report and I want it fixed. If you wo n't fix it I need to be able to dispute it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX and XXXX XXXX. XXXX ( b ). The following account show inaccuracies Account Name : XXXX XXXX  ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under XXXX XXXX. XXXX. Under XXXX XXXX. XXXX ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, XXXX remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. Thank you for your attention to this issue. Sincerely, XXXX XXXX XX/XX/year>
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITICARDS CBNA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I continue to raise concern that XXXX loan account ending in XXXX is reporting as late each month. 

Im told that XXXX has looked into this yet the issue remains. Im confident that if someone actually reads the concerns and performs the duties inherit within their role, a simple call or ticket with the the XXXX could fix this violation of FCRA. 

Look at the attachment- this is causing lenders to believe Im still missing payments each month.
Product: Debt collection

I just checked my credit report and noticed that an item was illegally inserted from XXXX XXXX ( {$7300.00} ). I have never had a contract, spoken with anyone from the company nor received any time of written communication from them. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes : The amount owed. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. A statement that if you request information about the original creditor within 30 days, the collector must provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the balance on my XXXX XXXX Auto loan account was {$770.00}, this has been the balance since XX/XX/XXXX. I have asked XXXX and Experian several times to update the amount. Since XX/XX/XXXX Experian shows my balance was {$2300.00}. This information is incorrect! This is the balance Experian still shows I owe. I have disputed this amount numerous times with Experian and XXXX and they never updated my credit report. Note XXXX and XXXX completely removed this account. I have sent Experian proof of my payments and they still updated nothing. On XX/XX/XXXX I paid this account in full by paying the remaining {$770.00} due on this account and Experian still refuses to update or remove this account saying XXXX XXXX keeps telling them the {$2300.00} is still due, is past due and no payments have been made since XXXX and they state XXXX XXXX validated this despite numerous phone calls, web messages to XXXX and several letters with proof of payment sent to Experian proving I paid but no one for years will listen to me and it caused me to not get a mortgage I needed and has adversely effected my quality of life and I demand answers! No person should be held XXXX via a company lying to the credit bureaus lowering humans credit scores, no one deserves the torture XXXX and Experian has put me through. I want every copy of documents relating to the validations to the investigation and re-investigations Experian sent to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have a ambulance fee of {$430.00} from XXXX XXXX 2013, I had Insurance when i used this service. I just noticed it was on my credit so I gave them a call and told them i had insurance when i used this transportation service and that they did not run my insurance card, she informed me that It was way to late for insurance information to be given and that I had to pay this fee to collections. It js there fault for not running my insurance card and now i am stuck with an unpaid balance of {$430.00} on my credit. I never knew i owed them any money for this service until I started getting collections notices from this company
Product: Debt collection

I CALL XXXX XXXX XXXX and agents XXXX and XXXX were very un-professional and racist against my person. 

XXXX XXXX XXXX is using other companies like XXXX XXXX XXXX and XXXX XXXX XXXX to try to collect a debt I do not own any of them... 

XXXX XXXX XXXX has denied my petition to provide me with the Signed and Dated contract between me and them. 

XXXX XXXX XXXX did NOT provide me the signed and dated receipt or documentation that show for how much they bought any account under my name from the original creditors.. 

XXXX XXXX XXXX has NOT any but any Documentation to proof that I own them any sum of money and they went ahead and they report on my credit report as negative remark... 

I learned that XXXX XXXX XXXX had stole all of my personal and federal information and are trying to rip me and scam me off and also are doing extortion on my person. 

XXXX XXXX XXXX is using the Federal agency " XXXX '' to send letters to my mailing address and commit these extortions .... See attachment .....
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes on XX/XX/2018, Equifax, XXXX , & XXXX have failed, in concert, to respond to my disputes. They have violated the follwing FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers 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. I am asking the CFPB to enforce this regulation with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX