23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XX/XX/2019 - I refinanced my current VA loan and it was sold to Plaza Home Mortgage. I receive a letter from them stating my first payment of {$1700.00} is due by XXXX XX/XX/2019. 

XXXX XX/XX/2019 - I mistakenly send the first payment check to XXXX a month early and call to ask that they either 1 ) don't cash it, or 2 ) apply it towards my XX/XX/XXXX payment. They tell me they will do nothing with the check. 

XXXX XX/XX/2019 - my account shows that they have indeed cashed the check. I call to ask about it and am told that they have no idea where my money is since I do not have an account with them, yet. I am transferred to a " XXXX XXXX '', a manager. They demand proof from my bank that the check was cashed, which I provide from XXXX after several more phone calls. I fax the proof to the number she provided over the phone and hear nothing back for two weeks. I call them again and am told I can not speak to XXXX again, so I am forced to tell my story for what is now the fourth time to an entirely new person, as their records reflect next to no details of what has transpired. Finally, I am told that a letter regarding the resolution of the issue was mailed to me. I receive the letter and it states " Please note that the payment is fixed up to date and the account is current '', which I interpret as they were able to apply the funds they already took from me for the XX/XX/XXXX payment. 

XXXX XX/XX/2019 - I am getting hounded with calls after XX/XX/XXXX from XXXX. They call, let it ring three times, and leave no messages. When I call back, they have no record that they called me. I finally catch one such call and am told that I need to make my XX/XX/XXXXpayment. I ask what the records reflect as there should be no way that I still owe them money for XX/XX/XXXX, and am told that there is no record indicating such a thing. I am put on hold for 25 minutes to be connected to a manager who has a hard time understanding English. The call disconnects shortly after I am greeted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}
Product: Debt collection

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. View
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have ceased to uphold their legal obligations and have ignored my written requests for the disputed accounts in my file to be corrected. I already asked the Credit Bureaus to reexamine the disputed accounts from my credit record and temporarily update these accounts from my report throughout the investigation time in a letter that I sent on XX/XX/2022. The Credit Bureaus have not responded to my request as of this date. The Credit Bureaus are required by law to conduct their inquiry within 30 days of receiving my letter and to provide a response within 5 days of the conclusion of their investigation. The requirements of the law have not been upheld by the Credit Reporting Agencies. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following accounts must be immediately corrected : XXXX : XXXX XXXX {$230.00} Equifax : XXXX XXXXXXXX XXXX {$280.00} XXXX : XXXX XXXX {$230.00}
Product: Credit card

I have a credit card with Citi bank. In XXXX fraudulent transactions started appearing on my account. The fraudulent charges were all made in Georgia ( I live in Kansas ). Citi bank allowed someone to change my billing address and email from my Kansas address to an address in Georgia and issued a card to that address. Over the course of 3 weeks, XXXX  fraudulent transactions were made totaling just shy of {$12000.00}, maxing out the credit limit on the account. I was not notified of the address change. No one bothered to flag the account when the excessive spending started. This card isn't a card I use daily, I only have a couple automated payments that hit it each month. My monthly bill over the last year plus was around {$25.00} a month. This is negligence on Citi Bank 's part to allow almost {$12000.00} in charges in three weeks on a card that typically holds {$25.00}. I have disputed all of the charges with Citi bank and it is currently under investigation but I will no longer be banking with Citi Bank since they aren't interested in protecting their customers.
Product: Credit reporting or other personal consumer reports

I requested my credit report from both Experian and XXXX and when I received them, I was confused because it was addressed to someone else ( supposed to be me but the name spelling is completely off ). If they can't spell my name correctly, I'm willing to bet that none of the information reported inside is accurate either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed 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 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 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 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 XXXXXX/XX/XXXX.
Product: Credit reporting

On XX/XX/XXXX my credit institution ( XXXX via XXXX ) sent me my credit score ( XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX I ran my credit report and saw XXXX # XXXX ( XXXX ) listed with Balance {$4900.00}, Original Creditor : XXXX ( XXXX ), Placed for collection : XX/XX/XXXX I called the collections agency who said they had called and spoken to a " XXXX '' on XX/XX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct is in my name and same last XXXX digits of soc sec # but a different st address. I called XXXX and reported fraud/identity theft and a fraud claim was started ( ref. # XXXX ). I also submitted an identity theft claim to Transunion XXXX file # XXXX XXXX and Equifax online. I then called and reported this to XXXX. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be re-set to what it was prior to this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank, store credit cards for Forever 21 and the XXXX. Reporting incorrect balances and history of cards. My cards were in perfect credit in 2018 until I had made purchases online at both stores that didn't fit, so I returned them to the store for credit-they never applied the credits. I contacted them, they said it would be corrected, but it wasn't after three months, so I closed both accounts. They continued adding " late charges '' on even after I closed them. Now Commenity sold the accounts to " XXXX XXXX XXXX '' who sends mail and calls constantly with different addresses and telephone numbers trying to harrass me into paying them and threatening to go court. This is affecting my credit report with incorrect information. I will never do business with any of those businesses again.
Product: Money transfer, virtual currency, or money service

When I XXXX started using XXXX it was with XXXX XXXX XXXX XXXX XXXX, but when I kept getting miscellaneous charges for amounts less than {$1.00} withdrawn from my account, i reported the fraud and closed that account. Then in 2022 I switched my XXXX to BOA Bank of America..No issues at first, then I got a XXXX request for a company I thought was a debt management because I had been in contact with them. I paid them and got nothing back.. reached out to the bank and nothing could be done because the recipient apparently did not or would not respond. Then a family member requested money and I sent it once no problem..but then it kept requesting from me different amounts XXXX contacted that family member and he said it wasn't him. Again the bank stated nothing could be done. So no warnings were given, no disclosures no XXXX part authentication or protection was in place. I have been with this bank since XXXX and as a XXXXXXXX XXXX XXXX I cant gamble on my fixed income, but I naively assumed my financial transactions would be protected.
Product: Student loan

By checking my credit report on XX/XX/XXXX, I discovered the following : -Sallie Mae posted that in XX/XX/XXXX I was 60  days late on a student loan payment, and 90 days late in XX/XX/XXXX. 
_____________________________________________________________________ On XX/XX/XXXX, I submitted the following letter to Sallie Mae 's Credit Retraction Department : To Whom it May Concern, On my XXXX credit report, it reports that I was 90+ days past due on loan # XXXX, attached. 
Per the attached Sallie Mae statements for accounting ending in ****, I have paid on time. I am enrolled in auto-pay, which ensures that the total amount due will be automatically deducted from my account before the due date. 

This is the schedule of payments reported on my statements ( attached ) from XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$8.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$25.00} *Amount Paid {$180.00} ( Manual payments on XX/XX/XXXX ) * Can you correct this mistake on my credit report? 

_____________________________________________________________ On XX/XX/XXXX, I received a response letter from Sallie Mae 's Credit Bureau Management stating, " We investigated your concerns and conluded that the information we're reporting to the consumer reporting agencies is accurate. '' Despite the proof that I paid the total amount due reflected on the monthly statements, and on time, they came to that decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED FOR ALL FRAUD ALERTS TO XXXX REMOVED FROM MY RECORD. 
THEY SEEM TO NOT WANT TO HONOR THE REQUEST. 
THIS NEEDS TO BE DONE IMMEDIATELY! 
I AM UNABLE TO USE YOUR WEBSITE BECAUSE OF ERRORS ON YOUR END. I HAVE BEEN WAITING ON HOLD FOR THE PAST 2 HOURS. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX PLEASE SEE MY ID ATTACHED
Product: Credit card

Last four of Care Credit Mastercard : XXXX Birthdate : XX/XX/XXXX Social is XXXX On XX/XX/XXXX, I called into Synchrony Bank to ask for a replacement care credit Mastercard . The representative inexplicably, either through poor training or a miscommunication, accidentally closed my entire CareCredit account that I have had for ten years instead of just issuing me a replacement credit card. I logged in the next day and saw this error, but it was after twenty four hours and systematically they couldnt help. Im filing this complaint because I want someone at synchrony to please correct this error and reinstate my account. Ive never had a missed payment, derogatory mark, and Ive been a good and loyal customer for many years. This was purely employee error, and I believe the bank should do right by a good customer and help correct it The managers in duty were extremely rude and disrespectful. I tried multiple times within the allowed window of time to have them fix my account. They tried sending me several links I never received?
Product: Credit reporting or other personal consumer reports

Collection account with XXXX is showing on my consumer credit report. The balances are incorrect and with new law REGULATION V medical debt should not be on my credit report. Experian and XXXX have yet to remove these accounts. Please remove these accounts as they are an inaccurate and a violation to my rights.
Product: Debt collection

PNC Bank and PNC Merchant Services are trying to charge me fees and collection charges for the month of XXXXXXXX XXXX for my Business account that was closed in XXXX XXXX. PNC extended my account closure date another month in order to charge a fee and send it to collections. PNC never sent me any notification that my account would remain open until XX/XX/year> ( without my permission ). PNC never informed me of additional fees and charges would incur AFTER the account is closed. I spoke with Reps from both PNC Bank and PNC Merchant Services and was told that it takes up to 30 to 60 days to process an account closure and they usually ask the customer to leave the account open in case any last transactions come through. Well my account had not had any transactions for several months, which is one of the reasons it was being closed. I agreed to pay the bank fees accrued while the account was dormant of {$91.00} dated XX/XX/year>. I called the bank to make sure there was nothing else owed and that this would prevent any collections or notices to credit bureaus. The fee in question was {$4.00} in which I had no knowledge of the fee until I received a letter XX/XX/year> to collect {$200.00}, which includes {$100.00} in collection fees and confirmed by the representative today, XX/XX/year>. Allegedly, {$4.00} monthly fee for XXXX could not be deducted because the account was closed. Therefore, it was sent directly to their collections dept and they added collection fees. I should have been notified by mail, email or phone call before adding more fees. Also I have received an email from XXXX XXXX ( PNC Merchant Services ) that this same process is happening with them because their renewal fee of {$49.00} was returned because the account is closed. and now they see that it is in collections and will need to send it to their collections in order to find out when the account was closed. This is turning into a nightmare over {$4.00} fee that I should never have been charged for in the beginning.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 : International Money transfer initiated with western union for USD XXXX. 
All requested documents for verification provided during the transaction Email confirmation with XXXX as XX/XX/XXXX ( credited at recipient 's account ) sent by Western Union Money debited from my bank account XX/XX/2023 : No money credited in recipient account. When checked transfer status online said " The transfer is on hold and pending verification from the sender. For details, read more about the verification process. ". 
Contacted western union why transaction was put on hold. 
After calling customer service, the representative confirmed all requested documents were provided by the sender on XX/XX/XXXX, but they had a technical glitch and have escalated internally to resolve and credit money to the recipient account as soon as possible ( with XXXX XXXX when asked ). 

XX/XX/2023 : After XXXX hours, money still not credited, followed-up again and we got the same response. We were transferred to several customer service representatives with no resolution. The last customer rep in this call ( for over XXXX hours ) hung up on us after XXXX minutes of hold and did not bother to call back to give an update. 

XX/XX/2023 - XX/XX/2023 : We tried to call again in XXXX hours for rest of the week, still no update. Same message- we have escalated internally and money should be credited within XXXX hours. 
We have been trying to follow-up for the last 10 days but no resolution or an ETA to credit our money nor Western union is able to confirm where our money is.

Western Union is offering to cancel the transfer but will take around 7 days to refund my money with no clear ETA. 

We are incurring financial loss everyday with money not credited at recipients account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : Ally Account XXXX ( Under maiden name, XXXX XXXX XXXX ) To Whom It May Concern : Ally Financial continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

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

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This collection agency added someone else 's account to my credit report, I contacted them and they didn't help me, the account is not in my name, address, social security number, or phone number, and then they added the account to my credit report.