23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call from an unknown number XXXX. XX/XX/23 @ XXXX. They proceeded to ask for my personal information like date of birth and last XXXX of my social to verify they were speaking to the " right '' XXXX. Then asked to verify my address. I asked what it was in regards to. They said it was to collect a debt but couldnt tell me who it was for or what it was in regards to. Told my credit would be affected if I didnt proceed. I said i wouldnt proceed if they didnt tell me who they were calling in regards to. They said they were " Capio Partners '' to collect a debt and thats all they would disclose.
Product: Credit reporting or other personal consumer reports

Hi, In XX/XX/XXXX  ( COVID pandemic started ), I could not make payments on my CITIBANK personal loan. I visited the nearby agency in XXXX XXXX, CA, hoping for assistance, but they directed me to call a specific number. I diligently made multiple calls, enduring over two hours of wait time on each attempt, yet I never managed to speak with a representative. Frustrated by the lack of communication, I decided not to make my loan payment for XX/XX/, hoping that someone from CITIBANK would eventually reach out, allowing me to explain my situation. 

However, XX/XX/XXXX  came and went without payment from me. I resumed making payments in XXXX, but unfortunately, a " LATE PAYMENT '' notation appeared on my credit score due to that missed payment. I have made numerous attempts to rectify this situation by contacting Citibank and disputing it with XXXX, but regrettably, I have not seen any positive resolution. 

Since this incident during the early days of the COVID-19 pandemic, I have consistently honored all my financial obligations on time. I hope you can assist in resolving this matter, as the persistent presence of this " LATE PAYMENT '' on my credit score has significantly impacted my overall credit rating. 

Unfortunately, I have nothing to document this since everything was over the phone or verbally to an agent. 

Thank you. 
All the best,
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not pay because I did not know how. I called but it was impossible to pay online. Also my ship leaves so much like every week or other week I am underway. The XXXX late payments have too my credit score down dramatically and by the way this card is completely paid for now.
Product: Checking or savings account

I have deposited a local written check into my account on XXXX occasions now, both times Bank of America put long holds them with no legal rights in violation of XXXX Next-day availability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a car loan with Kia motor finance and was approved in XXXX of 2021. The car was paid off in 3 months. XXXX Of 2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XXXX. XXXX 2021. No contact no update.
Product: Vehicle loan or lease

Santander Consumer USA uses heavy-handed tactics that violates the Telephone Consumer Protection Act to get consumers to pay their loans. These tactics allegedly include making repeated and harassing calls to plaintiffs ' phones and also the high-interest loans and fees violates the Fair Debt Collection Practices Act.
Product: Mortgage

I had applied for a mortgage modification in XXXX when my mortgage fell behind. I dealt with a representative for several months, and then the decision came that i had filed for a modification in XXXX, and I had to wait 2 years to apply again. From the time of the application until now, I had made my mortgage payments as the representative told me as long as I stayed less than 120 days late, I would not be foreclosed upon. 
I received my normal mortgage statement dated XX/XX/XXXX for my next statement due date XX/XX/XXXX. Then I received a notice dated XX/XX/XXXX giving me some options to avoid foreclosure. On XX/XX/XXXX I received a new offer that had never been presented to me before. Chase gave me the option of " bring the loan up to date by creating an interest free subordinate mortgage/lien on the property for the amount of the advance. '' The letter gave me a deadline of XX/XX/XXXX to apply for the option. On XX/XX/XXXX I gathered my information requested, filled out the paperwork, and I faxed ( as requested ) the documentation applying for this modification. 
This morning, XX/XX/XXXX I received a call from a mortgage company I had never heard of before. They were asking me personal questions about my social security number, address and other stuff. I got suspicious because I had no idea who this company was. The woman told me the servicing of my mortgage was just transferred to them. I did not believe her, as I know when a mortgage service is transferred, the customer must be notified XXXX prior. The representative said I would be getting a notice on XX/XX/XXXX. 
I immediately called Chase as I assumed this call was part of a scam trying to get some of my personal information. Chase representative told me that my loan was transferred as of XX/XX/XXXX. She told me I received a letter dated XX/XX/XXXX, which I had not received. I asked her how I could have received 3 correspondences from Chase dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with information regarding mortgage assistance if they had sold my mortgage on XX/XX/XXXX? She did not have an answer. 
My belief is Chase offered me a mortgage solution that would had been beneficial for both parties. I filled out the requested information to pursue it, and when they received my request, they then transferred my mortgage to a new company to avoid having to work with me. Their timeline does not make any sense. If the transfer of my mortgage was on XX/XX/XXXX, why did they wait until XX/XX/XXXX to supposedly send me a letter which I had never received, and why would they had sent out XXXX more correspondences dated after that with offers for me? Then 2 days after I apply for the assistance, I get a call from a new mortgage company I had never heard of? I feel this is a case of fraud and servicing wrong doing. I should be given the chance to apply for the relief they had offered.
Product: Debt collection

Speedy Cash previously sold a debt to XXXX XXXX XXXX. I paid the account in full and XXXX XXXX XXXX sent me a paid in full letter. Now, XXXX XXXX XXXX is trying to collect a debt that was already paid in full. Additionally, XXXX XXXX XXXX illegally re-aged the date changing the account open date to XX/XX/2023. I demand the account be deleted from my credit file. Please see the attached pay in full letter for Speedy CashXXXX XXXX XXXX XXXX
Product: Debt collection

I recently checked my credit report and I noticed numerous fraudulent accounts and inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX failed to follow the fair credit reporting act and investigate the autocracy of information being reported on my credit report. I have disputed LVNV Finding, LLV collection account several times that came back verified. I do not have an account with LVNV funding LLC and this account has not been verified with the validation letter to support collection account. XXXX failed to follow several USC codes 15 USC 1681i, 1692, 1692g. I will seek legal actions if XXXX don't properly verify the accuracy of the information and if it can not be verified, I am demanding a deletion of my XXXX credit report within 30 days.
Product: Mortgage

we was told by underwiter and my customer assistance person that if we move back into the property that me and my husband will qualify for a loan modification ... however they denied the modification on XXXX XXXX 2015 and reason for denial is that we do not live in the property, which is a lie, we moved from XXXX texas back in the property with all proof, to be denied XXXX months ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft!! I have file multiple Affidavit with FTC. I've contacted all three credit bureaus in reference to this! I've sent written documentation file disputes submitted proof! OVER 30 DAYS AGO! the accounts are unauthorized remove off of my credit report immediately or I will file a lawsuit!!
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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 21 days before the payment due date. 

XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports
Product: Debt collection

An attempt to verify the debt or amount owe was made and the amount sought was verified by the debtor ( University of XXXX ) and third party ( Reliant Capital Solutions ) as accurate on XX/XX/2018 in the amount of {$13000.00}. 

The debtor has refused to discharge, and/ or delete the account information, including credit inquiry, and/ or cease collection of the account by way of third party. Both companies are in violation of the Fair Debt Collection and Fair Credit Reporting Act 's under federal law for violation of consumer credit rights.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit history report from ( CREDIT BUREAU NAME ). That Report contained incorrect information reported by you. 

I contacted the XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : amount owe, date opened/closed, late payments, and so on. 

Account name XXXX XXXXXXXX XXXX Account number XXXX .... 

XXXX  XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please immediately remove these information from my credit file. 

Please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX  XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/2020. 

Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account. 

I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX  credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report. 

I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX  XXXX account are on in the same. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Closed Late Date XX/XX/XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I have federal XXXX  loans that were once serviced by XXXX. Last year, the federal government transferred them to a new servicers, XXXX. I realized recently that the loans all appear twice on my credit report : they appear correctly under XXXX, but XXXX is still listing all of the same loans that got transferred away long ago. As a result, my credit report is now showing that I have double the XXXX  loan debt that I actually do. I twice submitted a request for this to be fixed through Experian. The first one was rejected, so I called up for help, and they modified the wording and resubmitted. XXXX then rejected the request again in less than 24 hours. XXXX 's own system, including their telephone support system and their website, all show my loans as having a {$0.00} balance because they were transferred, but they are refusing to remove them from the score, which has prevented me from being able to get a home loan. 

I also called XXXX on the morning of XX/XX/XXXX asking for their help. They agreed with me that they were in error and that the loans were at {$0.00}. But the next day, they still denied my request through Experian to remove the debt. 

Here are the loans that should be removed from my credit report : XXXX XXXX XXXX XXXX {$53000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$49000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$18000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$29000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$19000.00} Balance updated XXXX XXXX, XXXX
Product: Credit card

case number XXXX opened XX/XX/XXXX disputed amount {$530.00} disputed on XX/XX/XXXX wasnt given the option during dispute complaint of not receiving product that we ordered. penfed declined on basis that services were received. they did not request any info whatsoever regarding my claim. they are as uncooperative as i have ever seen when i contacted them today XX/XX/XXXX regarding the declined dispute i received. 

by law i am not responsible for charges for something i ordered and did not receive. merchant was XXXX help either. regards
Product: Debt collection

I received A third party debt collector notice from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/scrub>XXXX XXXX XXXX  stating they were attempting to collect a debt that they purchased from Wayfair Credit Card through Citibank , N.A . in the amount of {$2700.00}. When asked for the chain of title I was informed it was purchased from Citibank. After further investigation on Citibank 's SEC filings I have come to realize the securities fraud that has taken place. On Citibank 's XXXX Form registered with the SEC it is proven that Citibank does not even own the debt CITIBANK CREDIT CARD ISSUANCE TRUST owned it and it has been securitized. A loan can not be transferred back to you once it has been securitized. Therefore, Citibank not only sold them a debt that was not there debt to sell, actually owes the debt themselves but they are also committing securities fraud pursuant to 18 USC 1348. They are reporting their business debt on my consumer credit report and even if it was my debt they DO NOT have the right to collect because it has been securitized. That is a violation of the FCRA providing FALSE and inaccurate information to the credit reporting agencies. It is also Extortion pursuant to 25 CFR 11.417. These illegal and fraudulent practices need to cease. The fraud being poured on We The People is becoming overwhelming and these corrupt companies need to be held accountable. I have tried for months to remove these inaccuracies from my consumer credit report and have asked for the refund of my credits and have been ignored. I have even sent in the check attached to the remittance advice accepting all titles, interest, equity etc and for them to setoff the account and they have not. I was aware that they pledge the application/agreement as the original collateral to obtain the credits/FRNs pursuant to 12 USC 412 so this was an exchange and credits owed to me that they disguised as credits given by them. Pursuant to 12 USC 83 ( a ) NO BANK shall make any loan or discount on the security of the shares of its own stock. The agreement is NOT signed by Citibank only me therefore, no consideration was given to make it a legitimate contract between Citibank and myself.
Product: Money transfer, virtual currency, or money service

I went into a branch for assistance with two wire transfer on XX/XX/24, was told no one was available to help. But that they could walk me through it on my phone via the app. Its been over a week and the first wire sent for {$63000.00} has never been received. The bank tells me its an issue with the info provided but for security can't tell me what it is? BOA requested the money back and has not received it. Every time I call customer service I'm told something different. Yesterday, on XX/XX/24 after asking to speak with a Supervisor, I was told they requested the correct account number be sent. That XXXX submitted an amendment. Today, XX/XX/24, I'm told the amendment was declined by the other bank. But no one can provide proof for me to send to the seller who is ready to cancel the deal due to the funds not arriving. I've spoken to a bunch of departments and no one can provide documentation to send to the seller. As I type this, I've been on hold for over an hour. This is my 5th call into the bank. I've tried contacting XXXX XXXX who reached out about my last complaint and his extension number does not work ( XXXX Ext. XXXX ).
Product: Checking or savings account

On XX/XX/XXXX I was selling an arcade on XXXX marketplace for {$100.00}. A guy was willing to pay me through XXXX and needed my name and email address, which I felt uncomfortable doing but apparently thats how you add people on XXXX so I gave it to him. He claimed he sent me the money but then I got an email stating that my XXXX account is not a business account so he needed to give me an extra {$400.00}, then I send it back. Since it was my first time using XXXX I thought it was weird having to do that but I figured that at least I wouldnt have to do it again. So I sent him {$400.00} but it was obvious in my bank account that my money left the account and no money came in. And then I got another email saying that I needed to give him another {$500.00}. I did not do it of course, but I called my bank to file a dispute. I got a letter in the mail stating that my dispute was denied because I had authorized it. Yes technically I did, but seriously, who intentionally pays scammers? Theyre tricky that way! I was also told to try to contact the guy to ask for my money back but his email is no longer active. And come to think of it I think he could see how much money I had in my account because I dont know how they would know how much money would be in or out of my account after all the transfers.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 48 hours or less than 30 days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Futhermore, XXXX 's actions has also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX