23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; the following accounts are in violation of my rights : XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602 A. Subsection 4.- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

I called Capital One on Friday ; XX/XX/XXXX about my payment being late for the month. The XXXX  said ok. 

I paid on XX/XX/XXXX, XXXX {$51.00}. I also paid on XX/XX/XXXX, XXXX {$30.00}. 
I received a letter in the mail on XX/XX/XXXX that my credit card was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX  credit file and XXXX credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX  XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Good Evening My name is XXXX XXXX . I did some investments with Gemini TRUST COMPANY , LLC. They had frozen my ACCOUNT over a year ago. I am not able to get access to my account. I had contacted them, over a dozen times. They never got back to me. They Locked my account. They Kept my money. Please HELP, HELP, HELP ME!!!! It seems they hacked my money... 

My Name : XXXX XXXX Email associated with my ACCOUNT : XXXX Phone number associated with my ACCOUNT : XXXX Sincerely.
Product: Checking or savings account

On XX/XX/2019, I deposited a check in the amount of {$930.00} into my account. The next day, Chase requested more information, which I provided. On XX/XX/XXXX, I noticed a recurring charge for XXXX  was not going through. I thought this was odd since the charge was for {$2.00} and I had nearly {$400.00} in my account. I called Chase and they told me the check I deposited was being returned and they were closing my account. Furthermore, the money I already had in my account was frozen and inaccessible to me. 

Today, XX/XX/XXXX, I pulled up the account online and saw that the check was processed and shows as available in my account. I called Chase once more and they reiterated that they were closing the account and the check would be returned. 

I have received no notice of cancellation from Chase, and would not have even known had I not called them myself. I have received no explanation for the closure, and they steadfastly refuse to provide one. They continue to hold my money hostage with no explanation.
Product: Mortgage

I originally submitted the below complaint on XX/XX/XXXX regarding the Bank of America. The CFPB responded last week and said the Bank of America would be in direct contact to me but I have not heard anything over a week later- I have been told this is quite odd. Please ask the Bank of America to forward me their response and please send me the response that the Bank of America said it was going to forward to you the XXXX. 

Thank you, XXXX XXXX " Dear XXXX, We want to know how the Bank of America allowed the Bank of XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/XXXX given that the Bank of America had first lien position on the property. According to the XXXX XXXX XXXX XXXX XXXX, the Bank of XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife , XXXX XXXX XXXX were given at closing on XX/XX/XXXX. We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. Thank you, XXXX XXXX, XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report from XXXX XXXX website yesterday XX/XX/XXXX and noticed a previous company Ive used is reporting to my credit bureau incorrect amounts for my past purchases and they specified that the loan was for a vehicle which is incorrect. I tried calling on XX/XX/XXXX at XXXX cst this was a 8 minute call and the agent was rude not acknowledging the reason for my call or request. He kept deflecting by repeating himself saying they dont report to credit bureaus and there is no credit department to transfer me to. So hung up and tried again to XX/XX/XXXX at XXXX cst this was a 8 minute call as well, this person said he was a supervisor and that he would send a request to the credit department but can not guarantee that my credit report would be updated. I in turned replied It is required by law you remove the inaccurate information under the FCRA, The law states that any inaccurate information you report to my credit bureau must be immediately deleted and provide written confirmation He stated again he couldnt guarantee it so I told him I will file formal complaint with CFPB and the FTC
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been receiving letters from a debt collector on a debt that I am disputing. I have written numerous letters to the collector disputing this debt as well as contacting the doctor 's office that claims I owe the debt. I have been told by the collection agency twice in writing that my debt has been marked paid, but then a few months go by and it all starts again. My attorney sent them a letter of representation XX/XX/XXXX. I received a letter from them dated XX/XX/2016 saying the debt has been marked paid and the account closed. Then XX/XX/2016, I get another letter explaining some crazy billing error and that once again, my account was open and I owe the debt. Then I receive a letter addressed to me with the original amount they claim I owe, only this letter asked me to send my payment to some company I have never heard of. I replied to the letter informing them that I have never heard of such a place and I do not owe any money to them. Again, the letters started XX/XX/2016. On XX/XX/XXXX, I sent my 4th letter to this company reminding them that I am represented by an attorney and reminding them that I do not owe the debt. Today, while I am at work, I received a phone call on my cell phone from a number I didnt recognize. I answered it quickly since I am at work and the person on the other end spoke with such a thick accent that I could barely understand him. I asked him who he was and he said something I couldnt understand and then he said the letters XXXX, only not in the correct order. Those are the initials of the doctor 's office that claims I owe them money. I whispered into the phone that I dont owe them anything and I quickly hung up. I dont know what else to do. I have told them in writing that I dispute the debt. I have told them now over the phone that I dont owe them. My attorney has told them in writing. They have not tried to contact my lawyer at all. This company is breaking the rules in the Fair debt collections act and I want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant against EXPERIAN, XXXX, and XXXX about the account by XXXX on my consumer report on XX/XX/2XXXX  and I received a computer generated response on XX/XX/XXXX  that did not resolve my issue of XXXX using my credit report for reasons that do not abide by federal law. I have the right to privacy and 100 % accuracy. On XX/XX/ Experian, XXXX, and XXXX reported inaccurate information regarding XXXX on my credit report, I have received several responses through CFPB from all THREE credit bureaus that they have confirmed and verified the information with the account mentioned is correct when that is impossible, I will be submitting proof that the credit bureaus did not update the inaccurate information and in-fact reported MORE inaccurate information which I have highlighted in the document I will attach with the complaint. On XX/XX/ I highlighted all inaccurate information regarding the account and when I received my new report on XX/XX/2XXXX  it was still inaccurate information reported on my credit report by the three credit bureaus. I will no longer accept the computer generated responses that doesnt rectify my issue I am demanding the credit bureaus mentioned in this complaint to remove the account mentioned in this complaint from my credit report IMMEDIATELY due to failing to update inaccurate information. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
Accounts : XXXX account # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 tried to withdrawal XXXX $ from Gemini XXXX. They halted withdrawals on that day and breached the contract I had with them by not providing my funds with in 5 business days. 

They have operated in deceitful marketing tactics and have stolen and ruined the lives of many. 

Gemini XXXX  Gemini XXXX  as their own product stating it was fully audited and backed by gemini highly regulated company
Product: Debt collection

It was very disheartening when my case being thrown out because it was a duplicate response. No one from pro collect inc has provided a written contract or signature that ensures Im entitled to this debt. My rights are being abused and I have no legal or financial obligation to this company. This is not my debt and its being illegally reported on my credit report.
Product: Debt collection

My daughter who attended XXXX University in XXXX, NE lost her job due to covid19, was attending college via online classes only and attempted to relinquish the apartment lease she signed for months. Explaining to them that she is unable to maintain the lease and continue to pay the rent when she moved home to XXXX, NE and was not in XXXX for any reason. She paid rent from XXXX until XXXX of XXXX despite not living in the apartment. We communicated to The XXXX XXXX employees numerous times that she needed help to relinquish the apartment/lease. The apartment employees are young adults with no manager available to further communicate my complaints to although I was told the regional XXXX would speak to me, that never happened. We attempted to find another person to move into her apartment and take the lease over. Anyone can sign a lease at The XXXX XXXX, they are not student only housing. We posted the apartment on XXXX 's student housing page and lists, on multiple social media sites. We had a couple of male students that were willing to take the lease over but were told the person had to be female. 
A leasing agent for the view called my daughter early in XXXX XXXX saying that they were able to find someone to take over her apartment. We drove to XXXX, cleaned the apartment and turned in all of her keys. 
She has not had access to this apartment since mid XXXX of XXXX. 
The leasing agent took possession of her keys and did not have us sign anything or take any further action. At this point we thought we had relinquished the lease. 
The view contacted us a few weeks later stating the applicant did not move in and we were responsible for the rent. 
This was extremely unprofessional and continued to be stressful to manage. 
I co-signed for my daughter. 
The view apartments have had another occupant in her apartment since XXXX. 
I obtained legal counsel to manage this account but National Credit Systems has reported the collection to the credit bureaus for {$5300.00} despite me disputing this account and amount owed. My daughter is graduating from XXXX on XX/XX/XXXX but the amount owed includes rent through XXXX of XXXX. 
My legal counsel is XXXX XXXX with XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX XXXX XXXX XXXX. 
XXXX, NE XXXX. 
This firm has not had been successful with The XXXX XXXX or National Credit Systems returning requested communication. Furthermore both companies have reported to my credit while I am actively disputing this action. 
The XXXX XXXX in XXXX, NE is owned by a company out of Florida for which we have had difficulty attaining further information. 
I have worked tirelessly over the past few years to pay off my debt with the hopes of purchasing a home to now be faced with this collection added to my report. 
I am not sure what else to do but I will take all legal action to fight this unethical collection. I am a XXXX and XXXX XXXX at The XXXXXXXX XXXX XXXXXXXX in XXXX, NE. as well as a single parent struggling over the past year! 
Please help! 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have XXXX XXXX accts that have been sold to a third party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.
Product: Payday loan, title loan, or personal loan

Company is not following through with what they said they would do. They finally sent the paperwork for me to sign via XXXX in order to extend my payment due date ( due to Covid-19 and not having an income ). I signed the documents immediately and they were sent to the company. I received confirmation ( only through XXXX ) that they had been signed and my part was done. However, when I call and review my online information, it still shows my old due date. My account shows I am PAST DUE and does not reflect the new due date. When I call, they do not have any new information and still show the old due date XX/XX/20 ( not the XX/XX/20 ). I am told I have until XX/XX/20 ( since there is a grace period ). I would like to have my account reflect the correct information and would like something documented showing that the loan company is following through with what they said they would do. As mentioned, when I call, they do not have this updated info. I have never been late on a payment and feel that I should NOT have to spend every day following up on this. This situation is already extremely stressful and having this burden added on to my plate is ridiculous and uncalled for. PLEASE, update my information! Let my account reflect that my due date is XX/XX/20 and not that I am late! XXXX shows that they have not even looked at the document since they created it on XX/XX/20!
Product: Checking or savings account

This is sequel to complaint number XXXX.Bank of America is contending that the direct deposits made on XX/XX/XXXX and XX/XX/XXXX were from " brokerage firms, over-the-counter deposits, and funds transfers ; all of which were not considered as qualifying direct deposits ''. This is not true, the deposits were from a retirement account which is a regular source of income for me. In terms of the Bank 's letter reference number XXXX dated XX/XX/XXXX addressed to me, income from a " retirement '' account was considered a qualifying direct deposit.
Product: Debt collection

XXXX XXXX XXXX is an agency Ive never heard of. They demanded me to provide them with my information in order to release who they are. I wasnt asking for account information, but a brief description of who they are and what they do. I spoke to someone and they told me well, when you are ready to provide your information, then you can call us back and then hung up on me. I called back and took a risk by verifying my birth date and I discovered XXXX   XXXX XXXX located at XXXX XXXX XXXX, AL was a 3rd party collecting for XXXX. This was for a XXXX bill in the amount of {$720.00} for a phone. The next representative was polite enough to talk to. I informed her that I wanted a statement in the mail and would be willing to take care of the balance or work out a payment plan once I received it. It appeared she took what I said personally and said that I am refusing. Her tone of voice changed. She became very cynical and was unprofessional. I am very skeptical with making payments to this company. This is a collection agency and I would like for the phone calls to be monitored to and from my cell number.This way, it will reveal how these representatives talk to people and how they represent their company. I am more than willing to take care of this, but I rather have a statement first before I give my personal banking information to them and that is something they could have verbally said to me in a professional way instead of being impolite and hanging up on me. 

I spoke with XXXX and they recommended that I speak with a manager at XXXX XXXX XXXX. I sent them an email and has yet to receive a response and I have still not received a letter regarding how much I owe. I would like something in writing. 

Once this is resolved I would like to talk to a supervisor to manage my account and work with me on some type of payment plan.
Product: Debt collection

Called into debt collection agency to verify what debt was on my credit file on XX/XX/year> and explain to the representative that I was not able to make a payment due to me not being at my desk. He kept harassing me to make a payment and would not let me get off of the phone. I explained several times I was not able to set up anything and he wouldnt listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX of money lion, botj handled this dispute. Initial conversation via email warranted push back and disregard for my details toward complaint. As stated, 22 plus payments were made without issue to this company. At a point their company deemed my checking account ineligible for payment toward my account with them. A default selection was not offered nor were my attempts to utilize other methods of payment. I explained this that their was an issue on their end. Im XXXX I received a debit card from a company called XXXX in which I was successful making two payments on the third my payment was blocked again. I explained this several times to both XXXX and XXXX XXXX. 

I was given a basic response & disregarded after. They sent my account to charge off without resolve. Poor communication and customer service.
Product: Debt collection

This is a second complaint against Credit Systems , Inc. they removed the previously misreported collection only to place new collections for the same supposed debts on my credit report. This is harassment. The collection is not owed. It is impacting my life, drastically!
Product: Checking or savings account

Subject : Urgent Assistance Needed! 

My sister and I, who live in the XXXX, have a joint account where weve been saving every XXXX left over from our bills for retirement. The only activity in this account has been deposits for years. However, between XX/XX/year>, and XX/XX/year>, there were 34 unauthorized ATM withdrawals from XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, totaling {$18000.00}. I typically dont check this account unless I have money to deposit, which is why I didnt notice the theft sooner. 

Upon discovering these transactions on XX/XX/year>, I immediately contacted the bank. They opened a case but subsequently rejected it. I requested an escalation, but today they informed me that the case is closed and they will not conduct any further investigation. I also filed a police report ; however, my city lacks a police department, so I reported it to the XXXX Department, but I havent received any updates. 

Im feeling overwhelmed, scared, and stressed about this situation. I dont know what to do next, and I cant afford a lawyer ( as suggested by Chase Bank ). I would greatly appreciate any help in recovering my hard-earned money. 

Please let me know if you need any documents or further information. Thank you!