23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Please see below which is the exact letter that was attached to my second dispute with Citizens over this charge. They do not care about their customers, they will not take time to read a written explanation from their customer, but they will accept a screen shot from a company. I can take screen shots all day and insist people owe me money ... Wouldn't that be a good business model ... I need this handled so I can close my accounts and never deal with this bank again. The dispute was for two charges totaling XXXX, not XXXX. XXXX A.K.A. XXXX XXXX would not grant me access to cancel. I could not dispute with PayPal until it was charged, I emailed PayPal to not allow any further charges. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - RE : CLAIM NUMBER XXXX I have tried to explain this situation over and over again. I signed up for a two week trial of XXXX After signing up I realized I was locked out of my XXXX account and the only way to cancel the subscription was to login. At this point I attempted several times to reset the password. XXXX was suppose to send me a link to my backup email and never did. The only way I could cancel the subscription was to wait for the charge to be processed by XXXX as I could not dispute a charge that hadn't happened yet. Once I disputed they denied it and asked me to reach out to XXXX. I kid you not the email they provided was XXXX. PLEASE NOTE : That in my initial dispute I asked them to stop any further transactions from XXXX. The charge hit my account again on this account as well as my personal account. When I seen this I went back to XXXX and seen that they again denied my claim. This is when I contacted Citizens. Below is a bullet point to m

ake it more clear.

Signed up for trial approximately two weeks
before the first charge which cleared on XXXX 
When the charge was still pending I disputed with XXXX. 
XXXX denied without my knowledge after I had already requested no further charges be taken. 
I contacted XXXXXXXX again and they told me to contact XXXX I signed up for a new account with my personal email during this time. 
This account and my personal account were both charged in XXXX. 
I am owed XXXX from XXXX XXXX For a total of XXXX I will attach the correspondence between me and XXXX. This is now limited as I just received an email from them that they received the dispute from citizens and I no longer have access to all the correspondence on their site. Please note that if you look at my business account you will see the charge for XXXX on XXXX and XXXX on XXXX You will also see the charge for XXXX on my personal account on XXXX. ( This is the only charge I am liable for ). 

Again XX/XX/XXXX was the trial I attempted to cancel as I could not do so before it was processedXXXX XXXX  was a duplicate to the XXXX charge on XXXX to my personal account as paypal never put a stop to the billing per my original request. 

Thank You, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with XXXX XXXX  in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : 1. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX 2. A credit builder account XXXX XXXX date opened XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from XXXX  was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE
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 my other incoming deposits. Capital One has cited technical issues which may violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situations raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

On XX/XX/2020 I called requesting to defer my payment as I work in the XXXX XXXX and due to Covid -19. I was not certain what will happen with my job. Wells Fargo approved my request while in the call. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Wells Fargo Bank, paid off my account in full and closed it. I had that account 3 years and never missed a payment. Please help me correct this unfortunate situation as Wells Fargo Bank is not being responsible for the lack in service to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$350.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information Due to Human Trafficking Victimization Dear TransUnion, I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

I request the immediate removal or correction of the following Accounts and/or information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate removal or correction of the following Inquiry and/or information from my credit report : XXXX XX/XX/XXXX Attached to this letter are relevant documents that support my claim, including evidence of my status as a victim of human trafficking and any other pertinent documentation. 

As a victim of human trafficking, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. 

Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. 

Thank you for your understanding and cooperation in resolving this issue. 

Sincerely yours, XXXX XXXX
Product: Student loan

Have been harassed and bombarded with numerous daily calls from Sunrise Credit Services , Inc after explaining multiple times my status. I had a pipe freeze and burst and spent over {$700.00} in repairs and am now behind on my payment. I explained this to numerous reps who continue to call my phone and get the same response " ok we will make a note of that '' next day I get yet ANOTHER call. My current phone record shows as follows ( XXXX ) @ XXXX rec 'd call from Sunrise Credit Services Inc ... @ XXXX I called back and explained my situation and that I get paid biweekly and will pay next month when I am able to. 
( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ... @ XXXX I call and explain the SAME thing and get the SAME response " ok we will make a note of it in the system thank you '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc, I called back at XXXX and told them I have already spoken to them this week and that I will not have a different answer than what I have already given. I also told them this is considered harassment. " We will make note of it in the system '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call and voicemail from XXXX XXXX at Sunrise Credit Services Inc . I call back @ XXXX and speak with XXXX , I express it is very frustrating to receive DAILY calls over the same thing when I already made a statement. His response was " well you said you 'd pay next month and it 's next month '' MIND YOU ITS ONLY THE XXXX OF THE MONTH!. I told him the month has just started and I get paid biweekly and that these phone calls are harassment, he hung up the phone on me!
Product: Credit reporting

I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all three bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, Transunion, and XXXX via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
Product: Checking or savings account

I opened dispute claim # XXXX # XXXX and # XXXX with Moneylion. I supplied written confirmation of the dispute via email on the same day with documentation from the merchant ( email screenshot ) to prove the transactions were canceled ahead of time and my card was not supposed to be charged. Moneylion is required under Regulation E to provide a temporary credit of the full amount within 10 business days of opening the dispute. I need these funds credited as soon as possible, as this has caused significant financial strain for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.
Product: Debt collection

I have asked for all information on these as workers comp and or personal insurance would have paid for them if they are even mine I am getting debts from states away for medical and plan on starting legal action against all.
Product: Debt collection

I am receiving collections calls and there is a collection on my credit report for {$110.00}. This is associated with XXXX XXXX. This collection is accurate. I called for a purchase agreement to this collection 's agency and was not give one.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports.

I have identified the following inaccuracies in my credit report that require immediate correction or
deletion : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Checking or savings account

When i got my direct deposit deposited into my account. I was unable to make a transfer out of the account and my Citi blocked all transactions my account so i couldn't make a transfer. I have been trying to verify and tell them i have been the one making transactions on the account but I was told a reference number was sent to my address. But I'm yet to get any. I have waited for a month and they said they sent it three times. I have not gotten it even once. Now i have decided to close my account and have my check mailed to me since he account can't be useful anymore. 
I was told a letter was sent to my address on XX/XX/year>, XX/XX/year> and i also requested for another one when i called XX/XX/XXXX but i didn't get any letter. I want my account closed and my check delivered to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and Trans Union so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact XXXX XXXX   regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the the account information with experian. XXXX XXXX certified that the information was accurate. Experian by federal law was supposed to do an independent investigation not just take the creditors word for it via computer system. The information furnished to experian by XXXX shows the violations .this account is breaking furnishers rules of the FCRA rules of the FDCPA .plus experian is willfully reporting this erroneous information with no care to my rights or federal consumer protection laws set in place to govern matters such as this
Product: Credit reporting or other personal consumer reports

Every time have to report 100 % accoutrements and the fail to comply by the Meto 2 compliance
Product: Credit reporting or other personal consumer reports

Upon reviewing my credt report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reported In my creds report is the one mentioned stated below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Regulation P. violations. Against all my financial institutions for not giving me notice or written authorization from me the consumer/customer when giving my personal financial information.
Product: Mortgage

On XXXX XXXX, 2016, Wells Fargo took a direct debit from our XXXX XXXX checking account of {$1300.00}. Our regular monthly mortgage payment to Wells Fargo is {$1200.00}. Wells Fargo needs to respond to these XXXX questions : 1 ) Why did Wells Fargo take out an extra {$52.00} over and above our regular payment? 
2 ) Why was this extra amount of {$52.00} not mentioned in the Wells Fargo response of XXXX/XXXX/2016 to our complaint to the Consumer Finance Protection Bureau of XXXX XXXX, 2016? 
Please respond to these XXXX questions in a straightforward manner. Evasiveness is unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX  account number XXXX BANKRUPTCY COURT-XXXX  XXXX, XXXX DPT TREASURY, inquiries XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX has violated my rights. 15 USC 1681 Sec 602-8 states that I have the right to privacy. 15 USC 1681section 604-a section 2. i also states a consumer reporting agency can not furnish your account without my written instructions
Product: Checking or savings account

From XXXX to wellsfargo allowed identity theft and because of this and being ignored about this issue when reported to credit bureaus and XXXX XXXX etc.. now there's XXXX accounts that were charged off on my name and credit. I'm in debt to almost {$16000.00}. 
They keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was born XX/XX/XXXX, my credit report states I was born in XXXX, its actually on Experian and XXXX, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.
Product: Checking or savings account

Capital One is blocking me from enabling external applications. I am attempting to connect my bank account to XXXX in order to transfer funds for investment in currencies ; However, Capital One is blocking my access to do so. Consequently, I have just lost out on an investment that would have net me {$74000.00} - I am not very happy at the moment! 

Thanks
Product: Debt collection

I rented a house from one local company XXXX XXXX in XXXX, Arkansas and they hired a management company from out of state to collect rent and do repairs. XXXX XXXX XXXX In XXXX of XXXX during a critical cold snap that lasted a week, the heater went out in the house. I repeatedly called for repair and they took a week to do something about it. 
I had to go buy electric heaters to try and keep me and my kids warm in the house and the repair guy they sent only put another electric heater up in the attic to unfreeze the pipes. Apparantly the " heater '' in that house was a cheap heat pump, not a regular heater. As the winter temps got to 5 degrees, I kept contacting them that it was not being solved and my family was freezing. 
I was forced to move my family to a hotel for 3 days while they had more repairs made. 
After all this expense, I told them to reimburse me or let me not make XXXX  month rent in exchange, they only took {$400.00} off. My lease was up in XX/XX/XXXX and black mold had begun in the house when warm weather hit. I moved out in XXXX and withheld the last rent payment. They turned it over to COLLECTIONS with HUNTER WARFIELD. 
I sent them a certified letter why, and I knew they would not give me my deposit of {$1600.00} back either. 
It is unfair they posted this to my CREDIT!!!
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  XXXX