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

On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX / added a demography credit Report per XXXX  XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.
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 advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

In XX/XX/XXXX, I opened a Citi Gold checking account and a savings account. Citi had a promotion, promising to pay {$600.00}, if I deposited {$15000.00}, and keep it there for 3 months. 

On XX/XX/XXXX, I made such a deposit of {$15000.00}. 

After 3 months, Citi still had not paid. So I got in touch with them. Citi informed me that when I moved money between the checking and the savings account, it disrupted the continuous clock of 3 months, thus making me ineligible. 

I am writing this complaint because Citi clearly failed to keep its promise, and constituted dishonest marketing. I also demand Citi pay {$600.00}, as they promised when I opened the account.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Checking or savings account

I called chase bank and was referred to the debit card fraud department on XX/XX/XXXX. I reported my claim dating back to XX/XX/XXXX for fraudulent activity. On XX/XX/XXXX I spoke with a supervisor in the fraudulent claim department about the status of my claim. The supervisor, XXXX, stated that since I was not incarcerated or hospitalized my claim was only valid at the beginning of reported fraudulent activity for XXXX  days. Per Chase 's updated policy. Chase Bank has only partially refunded me XXXX XX/XX/XXXX. The fraudulent activity occurred XX/XX/XXXX XXXX. They stated that I am responsible for the rest of the fraudulent charges on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Southern Management Corp intentionally put on my credit report that I made a payment of XXXX on an old account just to make my score go down. It was a flat out lie, they did it because I disputed this account, in which, that is my right. This action made my score go down by 56 points. I then disputed the payment with Equifax credit bureau again, and Southern Management Corp sent in false late payments to make my score drop again. This fraudulent act cause my score to drop almost 100 points all together. I am attaching proof with this complaint, also can you please tell me if I have the right to file a lawsuit against them? Their fraudulent act caused me pain and suffering and my credit reputation.
Product: Checking or savings account

Im a bank auditor and I have my pervious and new account with Wells Fargo bank u audited them and I give them a bad audit and they set me up They close my old account sent the bank statement and debit card to unknown address to me and I took loss over {$4000.00} Then on my new account my wallet was Stolen and I reported to the bank and they wanted to know what other card were stolen They documented all as I dont remember What happened The other credit card companies also received call they told me they wont credit me I deposit cash they processed as a check and put hold on it and overdraw me and charge me fees
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. 
Car was Financed with Golden1 Credit Union and Gap Coverage with XXXX XXXX My son had a Total loss accident on XX/XX/XXXX. 
Today is XX/XX/XXXX and my account with Golden1 has been placed in collections for {$8100.00} as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX has been calling me on behalf of the credit union. My credit score is at poor and it saddened me that this has become a nightmare. 
XXXX paid right away and I assumed my Gap Coverage would take care of the balance shortly thereafter. After numerous calls with XXXX, Golden1 Credit Union, and XXXX i was told not to worry it would be taken care of. 
Months go by I assumed the credit union was paid in full. Unfortunately, they were not and this balance became my responsibility. XXXX made the first payment of {$2500.00} in XXXX and this left me with a balance. I was unaware why, called and called, I finally was told that I also needed call XXXX Dealership to issue a refund to the credit union. This was the first time I was ever told this and it now months after the accident. The rep. told me they dont know if they can back dated to XXXX because it is now XXXX but she would do her best. By now my account has been sent to Collections and XXXX XXXX XXXX are calling me for money that I understood the Gap Carrier was to pay. XXXX issued payment XX/XX/XXXX in the total amount of {$3400.00}. XXXX made an additional payment of {$190.00} XX/XX/XXXX. To my surprise XXXX XXXX XXXX has no record of these payments and as of today, they are requesting {$8100.00}. I called the credit union twice today and each rep. treated me very unprofessional and like XXXX! I am totally disappointed and my credit score is damaged. I feel that I have been treated unfair, between the insurance carriers, the credit union and the dealership this should not have happened and I should have a XXXX balance due. Please help!
Product: Debt collection

On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from PMAB LLC. I have never received any notification from PMAB LLC notifying me of a debt. Nor did I ever receive any written notification from PMAB LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay PMAB LLC. I don't owe any money to PMAB LLC, nor do I owe money to any third party PMAB LLC claims to represent. PMAB LLC has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. PMAB LLC 's illegal and unwarranted actions have damaged my credit and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX Account # 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.
Product: Debt collection

Bankruptcy in XXXX  in WI as part of divorce. Moved out of state. Attorney amended bankruptcy at hearing to include utilities. Utilities marked " closed '' on all of my credit reports with a XXXX balance. I did not receive a bill. Attorney told me everything was taken care of. 
Received a letter from L.J. Ross Associates, INC in XX/XX/XXXX. An attempt to collect a debt for XXXX XXXX in WI for {$250.00}. If I did not respond in 30 days they would assume the debt is valid and place a judgement against me for the debt. I called L.J.Ross and was told that it was from XXXX. I should call XXXX XXXX about the debt. 
I called XXXX XXXX and they could not give me a meter reading or dates of service for this debt. The agent told me that they did not accept the amendment to the bankruptcy. Agent also said the bill was larger and they reduced it. I asked why it was 4 years old and was told they sent it to another agency and had recently changed to L.J. Ross who were more aggressive. I stated I have never received a bill before they sent it to any collections. Agent also told me it was out of their hands and I should again call L.J. Ross.

It has been over 4 years without any notification or communication about this debt.

I am told to call the utility company by the collection agency and told to call the collection agency by the Utility company. 
XX/XX/XXXX the collection agency shows up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I provided the company with the information that they asked me for. I mailed it and uploaded it to them. I was informed that it would be removed in 72 hours. It is still showing on my report. I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/2019
Product: Debt collection

I don't even know how to refer to this company, as they have sent me letters referring to themselves as the following : XXXX, Resurgent Acquisitions LLC, Resurgent Capital Services L.P., LVNV Funding LLC, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX. This company has no idea what they are doing. They have sent me letters telling me the debt they are trying to collect was for a XX/XX/XXXX XXXX XXXXXX/XX/XXXX Card as well as a XXXX Bank account. Letters refer to both companies as the " original creditor '' and both show the same last four of the account ( XXXX ). I've tried to communicate with them and they never respond. I've disputed the credit reporting, which they continue to " validate '' however I don't even know what this is for! They don't apparently even know what it is for, as their letters refer to it as both a XXXX XXXX account and XXXX Bank account. It obviously isn't both. Then they refer to it being serviced by XXXX XXXX XXXX as the " current servicer of the account '', but I've never even received anything from that company. This company should not be allowed to operate. I'd also note LVNV Funding has this on my credit report, but they are not even a licensed collection agency in Michigan. Please help me end this madness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I contacted my lender SPS over the phone was told they need 37 days prior to sale to have my file reviewed for loss mitigation/ loan modification assistance, XX/XX/XXXX I submitted all their requested documents on line at the SPS Portal have a third party authorization uploaded with all my income, assets, financials and they did not touch the file until XX/XX/XXXX, when I called to follow up they said the system will not accept any loan modification request that I must re-instate my loan as the sale date is XX/XX/XXXX and there isnt enough time. After being on the phone numerous times they refused to escalate even speaking with a manager in loss mitigations They said I was denied for loan modification back in XX/XX/2017 and I do not qualify for change in circumstances, even though I am self employed my income has increased and I have already filed my XX/XX/2017 taxes and know exactly my income is at least {$1000.00} a more month which could potentially help me get a modification per SPS denial letter from last year I did not make enough to qualify. 

I am very frusterated as I have been a good paying customer and now that I have had a hardship they do not want to assist and will not even review their protocols to see what exactly their procedures are here. I even wanted to send then correspondence in writing requesting a QWR and it took them over 2 weeks to give me the address for that. My family has lived in this house over 10 years we grew memories here I am a unmarried woman and need help and my income is solely mine and I am confident as a XXXX XXXX XXXX I can start my finacial freedom with my mortgage brought current if they just accept my application for review. I do not know where to turn the sale date of my home is set for XX/XX/XXXX, I think it is unfair for SPS to now do their due diligence to assist me rather keep repeating the same information " not enough time to underwrite a file ''. I have called and asked them to send me true denial letter that I do not qualify but the generic letter they sent me does not state anything except for validating I am calling them for assistance, I need CFP to get in contact with them and turn this around for me so that I can be reviewed for loss mitigation and since the file is complete they should be able to postpone my foreclosure sale date. 

Please I am desperately seeking help.
Product: Mortgage

Carrington Mortgage Services has raised the monthly payment on my 30 year fixed rate mortgage 3 times in the last 4 years without notification. They have also charged invalid late fees I have tried to resolve with CMS and they have ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX. Inquiries : XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I want to try Paypal so I made an account today but I'm surprised that they dont want me to own an a Paypal account.. This is my first time using it and they already permanently limited my account.. I was starting my online XXXX XXXX and I need a Paypal account so that my future clients will send their payment thru Paypal..
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 XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account Number: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: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the credit limit, past due amount and high balance of this account XXXX/XXXX wrong, since this is inaccurate reporting please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.  XXXX , Experian  and   XXXX   XXXX   h as the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

A felony is on my record that does not belong to me
Product: Debt collection

I am submitting this formal complaint regarding a series of repeated phone calls I have received from an unknown number claiming to represent Citibank NA. These calls began during the week of XX/XX/XXXX, and continued through XX/XX/XXXX. I received another call on XX/XX/XXXX, at XXXX PM. The callers claim that I owe over {$3000.00} for a credit card debt that allegedly began in XXXX which is over 8 years ago. However, I have no knowledge of this debt and I believe it does not belong to me. Below are the details of my experience : Repeated Calls and False Claims of Debt : Between XX/XX/XXXX and XX/XX/XXXX, I received several calls from an unknown number, with the caller claiming to represent Citibank NA. They stated that I owe over {$3000.00} for a credit card debt dating back to XXXX. I have never had a Citibank card with such a balance, nor am I aware of any such debt. This is completely inaccurate, and I do not believe this debt belongs to me. 

Insufficient Information Provided : During the most recent call, on XX/XX/XXXX, at XXXX PM, I requested more information to verify the debt. The caller only stated that the last four digits of my social security number matched their records. This vague response is inadequate to confirm the legitimacy of this claim and raises serious concerns about the accuracy of the information they are using. This could be an issue of mistaken identity or even fraud.

Inappropriate Contact with My Mother : Another troubling aspect of this situation is that the caller has also contacted my mother regarding this alleged debt. I do not understand why she is being involved in this matter, as she is not connected to any financial obligations I may have. It is highly inappropriate for a debt collector to repeatedly contact a third party without explanation.

Harassment and Threats of Legal Action : In addition to the repeated phone calls, the caller has threatened legal action, including wage garnishment and damage to my credit by reporting this supposed debt. These threats are unwarranted, as I have already explained that I do not recognize the debt.
Product: Prepaid card

On XX/XX/year>, I called American Express and asked why my gift card kept getting declined. The representative first advised it was because of fraud, then changed their story to the merchant not accepting AMEX. I have attempted to use this AMEX gift card with various merchants, both online and in person, with no luck.