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

This is my other endeavor 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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Vehicle loan or lease

XX/XX/XXXX I was contacted via telephone by XXXX XXXX, Lease Retention Manager/Client Loyalty from XXXX XXXX located at, XXXX XXXX XXXX. XXXX, CA XXXX. XXXX XXXX detailed a special offer for a " Loyalty Programme '' being offered by XXXX. The offer was followed up with an email confirming my VIN number qualified and asked me to come into the dealership to see my options on a new XXXX. 
XX/XX/XXXX I stopped by to hear more about the offer and to have my XXXX XXXX inspected. The offer to trade in my XXXX XXXX, as is, for a XXXX model was confirmed. I returned to the dealership Saturday XX/XX/XXXX to select a new vehicle for lease and return my XXXX model which was once again inspected by XXXX and confirmed the vehicle qualified for the Loyalty Programme, no additional fees were due. The transaction was completed that day. I requested something in writing stating the transaction was complete and no payment due other than my down payment for the new vehicle of $ XXXX. 
Early XX/XX/XXXX I received a invoice from XXXX XXXX XXXX titled " Turn-In Settlement Invoice '' $ XXXX. I contacted XXXX XXXX via email however as of today, no reply. I then filed a complaint with the XXXX. XXXX XXXX, General Manager of XXXX XXXX responded with a basic form letter. His excuse was/is not acceptable therefore my complaint with XXXX is unresolved. XXXX XXXX later contacted me via telephone and left a message stating he would like to clear up this misunderstanding. I replied via SMS as I wanted any correspondence in writing. He replied suggesting this was a misunderstanding on my part. No further correspondence with XXXX XXXX sense XX/XX/XXXX when XXXX XXXX told me I misunderstood the invoice of $ XXXX. XXXX XXXX XXXX has continued to send me the invoice that I have not paid. The consumer should not be made responsible for unethical business practices. XXXX is a huge corporation, the consumer is one person who is forever being bullied....
Product: Mortgage

this complaint is with Coldwell banker mortgage servicing. My issue is in XXXX I made my mortgage payment along with the escrow shortage I used the coupon they sent me. They applied it to my principal so when I made XXXX payment I started getting calls attempt to collect a debt!! XXXX XXXX they filed a work order to fix it. Now I come to find my XXXX and XXXX payments have been cashed not applied to my loan but they cashed my checks!!! Where exactly is my MONEY in a interest bearing account???! I have also received paper work a week ago for early intervention assistance because my loan is in default! You get absolutely no place with these customer service people, you speak XXXX, I have turned them into the office of the president and this matter has still not be resolved. What is my recourse here this a RESPA violation under # XXXX there should be some restitution involved here! On top if they have ruined my credit. This is just absolutely unacceptable.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, an unauthorized 3rd party support company ( XXXX  ) displayed a popup window on XXXX website, as I tried to activate a new XXXX device. It said " error- call support at ( XXXX XXXX  number ) ''. A XXXX rep with a strong XXXX accent told me ( fraudulently ) that XXXX is authorized by XXXX to activate my XXXX device. She said I 'd have to e-sign a contract before they could activate it, and it would cost {$99.00}. I protested, but wanted the device functional, so esigned. On XXXX XXXX I called XXXX support. They told me XXXX is a scammer, that no activation fee should be charged, and XXXX has no affiliation with XXXX. On XXXX XXXX to XXXX XXXX, I opened a billing dispute with citi cards, my credit card company, to dispute the charge. I reported the above incident to citi dispute center. After several weeks, citi decided to pay XXXX the {$99.00} fee. I am still arguing with citi dispute center that it was adequately proven to be a 3rd party unauthorized support scam, and they should not have decided to pay the {$99.00} charge to XXXX. Citi dispute center, 4 weeks after XXXX XXXX, asked me to obtain a cancellation of the contract with XXXX. I requested that from XXXX, but they refused to cancel the contract.
Product: Debt collection

- We left the apartment XX/XX/XXXX, XXXX was charging us for XX/XX/XXXX - XX/XX/XXXX usage. 

- Credence Collection Agency ( copies of email attached ) emailed that they will flag the case back in XX/XX/XXXX and will CEASE all communications regarding the matter. But then I received another bill dated XX/XX/XXXX ( see attached ). 

-Again this case was a case of identity theft. You may call XXXX Apartments to verify that we left the place XX/XX/XXXX. Their number is XXXX.
Product: Debt collection

Portfolio recovery bought a debt that was in my name but was not mine Enclosed is a letter from furnisher stating that the debt was not mine I have contacted Portfolio recovery and credit reporting companies to remove this from my credit report all refuse to do so. portfolio recovery need to remove the credit companies did an investigation and portfolio came back verified please get them to remove it at once they have damaged my credit enought enclosed is a copy of letter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED
Product: Mortgage

Real estate tax escrow funds were collected but taxes were paid late, causing a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account was added to my credit report for all 3 bureaus from a company call XXXX XXXX XXXX for the amount of {$410.00} regarding Arizona XXXX XXXX as the original company. I was never notified of this debt, I have o knowledge of owing anything to this company, and I have never recieved any paper work, bills, statements, letters or a phone call for a debt they say is two years old. I immediately called XXXX XXXX XXXX on the day it was added to my 3 credit reports and requested all proof of debt and any documents they have showing this debt is mine. I was asked to provide them with supporting documents. I do not have any documents because this debt is not mine. They will not remove this innacurate information from all 3 of my credit reports. They can not provide any proof to me about anything related to this amount due and are damaging my credit score. I have recieved no resolution from the 3 credit agencies that I reported this innacurate debt to. Why all of the sudden after a supposed 2 year period did this debt come to light out of nowhere. I find it hard to believe it took two years to finally hit my credit. It is innacurate and the debt does not belong to me. I would like the collection removed from all 3 of my credit reports. Tha k you for any assistance.
Product: Credit reporting or other personal consumer reports

This letter is being sent you a response to a computer generated under sign letter, dated the date in your petition Claim is disputed and validation and proof of claim after disputed that is requested in accordance with the Fair Debt Collection Practices Act, 15US 692G and as amended by adding the following new Title 8 USC & 802 et seq., and the Fair Credit Billing act. 15 USC. 1666 et seq. All of the work in conjunction and which other, including the Truth in Lending Act ( TILA ) 15USC 1601 et esq. It is not now, nor has it ever been my intention to avoid paying any obligation mean obligation that is lawfully owed by the Claimant. In order to make arrangements to pay any obligation which may lawfully owed, please document and verify the " debt '' by complying, in good faith, with the request for validation and return it to me, within ( XXXX ) days of the receipt of this letter.

MED DATA SYS XXXX MED DATA SYS XXXX MED DATA SYS XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Concerning Case Numbers : XXXX, XXXX, and XXXX I feel we are now on the same page. Why is it that Wells Fargo can take payment amounts given to me over the phone to catch my account up - when the funds paid are applied not to my account but elsewhere? XXXX XXXX gave me amounts to pay to catch my XXXX payment and shortages. I sent payments directly to her yet they were applied elsewhere - why is this happening. I have made payments each month yet now it looks like my account is 3 or 4 months delinquent. Wells Fargo has acknowledged they received payments - it is just where they applied them after talking to XXXX XXXX. 
Something is not correct when a customer sends payments to be applied correctly and they are not applied correctly. I want my account corrected soon.
Product: Credit card

We routinely pay slight more than our needed amount in a given credit card cycle. One month prior to the issue at hand, the balance required to be paid was {$3500.00} and we paid {$5000.00}. Next month required to be paid was {$3400.00} and we paid {$6500.00}. the next month required to be paid {$2800.00} and we paid {$3000.00}. We are paying current month charges before the cycle closes each time and paying above and beyond the prior month closing balance. 

The issue, the cycle starting balance of {$3400.00} was due for that cycle and we paid {$6500.00} via separate payments various return credits of {$560.00}, a mid cycle payment was {$2000.00} and end of cycle was {$4000.00}. That {$4000.00} was apparently not early enough even though it was in the current cycle. Citi wanted payment on the first and we sent it on the third and our cycle closed on the XXXX. We were charged {$68.00} for it not being in by the first. So, {$3400.00} less the {$2500.00} of " timely '' payments is {$870.00} not received by the first. {$68.00} interest divided by {$870.00} is 7.83 % which would be 93.96 % for the year and even worse if you figured the 7.83 % was only for 3 days. I understand we were late because we didn't pay attention and I would eat the {$68.00}. 

That statement closed with a balance of {$2800.00} which was once again due by the first. We paid {$3000.00} on the XXXX of the month before the first to avoid the issue. The cycle closed and we were charged {$93.00} of interest. That takes the total interest to {$160.00} of interest for the {$870.00}. That would be a 228.55 % APR. 

We called Citi, they explained it takes them XXXX months to charge the interest and there should not be any for the next month with a timely payment. They could/would not explain the calculation and they could not waive the interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX our mortgage was transferred to this company from XXXX. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays dateXXXX XXXX and Experian are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was contacted from Truist bank fraud department stating they had identified someone trying to make purchases using my debit card. The man proceeded to ask me questions about the charges and I stated it was not me. He then said he would block those charges and ask me to give him the XXXX time code to resolve the problem. He successfully did XXXX wire transfers of which I was not aware of until I drove up to Truist Bank. The XXXX charges are as follows : Wire transfer of XXXX, wire transfer of XXXX and a wire transfer of XXXX. The bank is not refunding the money back to me.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX & XXXX, was suppose to be deleted off my credit report after being investigated. For three straight months it said deleted, but was never deleted on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX, Acct # XXXX XXXX ) XXXX XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 60A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C Section 1681c ( a ) ( 5 ) : 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 convictions of crimes which antedates the report by more than seven years. 

15 U.S.C Section 1681 s-2 ( A ) ( 1 ) A person can not furnish information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i currently have a TRANSUNION subscription. Every time I begin to file a dispute online along with supporting documents ... this online service allows me to do so based on my subscription. I get an error message indicating an open dispute was filed on XX/XX/2024. I am filing a complaint on their product and issues of not being able to self-file my dispute with docs on their website.
Product: Checking or savings account

I received a debit card in the mail for my new Citibank account. I tried to activate the debit card through the mobile app & it locked it out of my account. I called customer service multiple times to receive little or no relevant help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX # XXXX 4. Access  Credit Management # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX XXXX XXXX  It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Access Credit Management has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Access Credit Management continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.
Product: Consumer Loan

Bridgecrest calls me up to 10 times a day and has now started calling my work after I asked them not to. I recently got behind on my car payments and contacted the company to make payment arrangements. I was told that it was pay or else. I have also been told that they will move one of the payments to the end of my loan and they do n't ever do it. They send emails saying they will work with me if I call them but, when I call them they tell me there is nothing they can do. 
Below is the email that I sent to them on XXXX/XXXX/2016 DO NOT EVER CALL ME AT WORK. You tell me you will work with me on payments and that is a lie, all you do is tell me that I need to schedule a payment and I ca n't do that unless there is money in my bank account. You have told me that you will move one of my payments to the end of the term and that is a lie as well. I was also making extra payments that were suppose to catch me up, and found out later that you decided to just apply that to my interest ( I 'm assuming so you could keep me behind ). I have stayed in contact with you guys when this first got behind and tried to resolve it then, and was told there was nothing you can do other than schedule a payment to come out of my account. I have had XXXX cars with your company and have n't ever been behind until last year when I lost my job and yet again all I was told was sorry, there is nothing we can do. I spoke very highly of your company until I tried to resolve this issue and was given a pay or else option. 

I will hopefully make another payment by the end of the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeXXXX
Product: Student loan

Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) E ) ( ii ) Department Of ED/NELNET - {$3700.00} Department Of ED/NELNET - {$2400.00} Delete Now .
Product: Credit reporting, credit repair services, or other personal consumer reports

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 
I will also file with the CFPB and FTC! This is unacceptable!
Product: Debt collection

This claim regarding account # XXXX, in which this company claim I owed {$3600.00} and you filed suit against me on an alleged XXXX XXXX Account that was never authorized.
Product: Debt collection

This company does not have my written or verbal consent to furnish this private and personal information. Pursuant to 15 USC 1681b they are violating my rights by illegally furnishing my personal information without my consent this amounts to aggravated identity theft pursuant to 18 usc 1028. I expect full compliance to remove any personal information at my demand. 

All three of these account need to be removed immediately upon receipt of this complaint for violating my rights and not receiving consent to furnish this private information. It is damaging to my credit reputation and has effected my emotional and XXXX XXXX 

XXXX XXXX XXXX ( {$620.00} ) XX/XX/XXXX XXXX XXXX ( {$250.00} ) XX/XX/XXXX XXXX XXXX XXXX ( {$600.00} ) XX/XX/XXXX