23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter dated XX/XX/XXXX from I.C. System demanding {$150.00} from me for a medical bill they stated I owe to them. Because I did not recall having medical services with their company nor XXXX XXXX and XXXX. On XX/XX/XXXX, I sent a debt validation letter to I.C. Systems requesting that they provide me with The name and address of the original creditor, the account number, and the amount owed. A copy of the original contract that I signed for services. 
Verification that there is a valid basis for claiming I am required to pay the current amount. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor : a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Proof of your authority to collect this debt, whether you are licensed in my state and if so, provide the date of the license, name on the license number, and the license number of the state agency issuing the license. 
If you are contacting me from outside my state, provide the licensing information from your state as well. 
I was shocked when I received a letter dated XX/XX/XXXX that had an attached letter that was a medical report with my PHI. I never signed a release, I never provided a copy of my state issued identification card, nor did I fill out any forms requesting a copy of my medical report. I.C. System negligently released my PHI to an unknown source without any written consent. Even more concerning is the accounting information listed on the document that I.C. System provided to me. The total amount states {$150.00}, the payment/adjustment states {$150.00} and the balanced owed states {$0.00}. I.C. System has engaged in HIPPA violations, they have violated my civil rights and they are attempting to collect on a debt that has a XXXX  balance according to their own records. I am requesting that this company cease all contact and collection efforts with me. I am also request that there be an audit and an in depth investigation into the collection practices of this company.
Product: Checking or savings account

I have had a Citibank account for more than 7 years. 
Last XXXX, I changed my mail address from XXXX  to XXXX. I asked to issue a new credit card because I had lost it. This triggered a FRAUD alert at the bank. They blocked web access and credit card transactions on XX/XX/XXXX. 
I called the bank several times with my secret code, my phone number, passport number, secret questions, etc. But the bank won't unblock my account. I even have the first receipt of the US {$2500.00} deposit made in XX/XX/year>. 
I must have called the bank about 20 times. I sent an e-mail to XXXX XXXX, my account manager. I tried calling the branch. No response. 
I had medical appointments in XXXX in XXXX. Being unable to use the funds to pay the bills created several personal problems for me. 
Please help me unblock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for two apartments and they stated that I was denied based on my rental history and bankruptcy. I retrieved my SafeRent report and it states that for XXXX at XXXX, I owe {$480.00} from XX/XX/XXXX and {$1100.00} for XX/XX/XXXX. This was paid, I never went to court and the aformentioned apartment complex, I stayed in with a roommate ( who does not have this on her credit report ), we did not renew our lease in XX/XX/XXXX and moved out and paid all and any past due balances. I have rented in XXXX and this was never on my file, why all of a sudden, is this on my file now. I never went to court and was never evicted and have e-mails to show we left on good terms. This is outdated information and needs to be updated. I'm not sure why bankruptcy would show up as if I am currently in bankruptcy when it was discharged in XX/XX/XXXX. I filed in XX/XX/XXXX.
Product: Credit card or prepaid card

I am writing to file a complaint against Discover Bank for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Discover Bank denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. The fraudulent transactions occurred on XX/XX/2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges on this account is {$450.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Discover Bank, have a zero-liability policy for fraudulent charges. Despite this legal protection, Discover Bank denied my claim and decided to remove the temporary credits applied to my account. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Discover Bank. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. Please find the attached documents for your reference. I am willing to provide any additional information or evidence required to support my complaint. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted a dispute to XXXX confirmation # XXXX to remove my consumer statement of XX/XX/XXXX the statement is misleading the creditors are not on my credit and to update american express account information, last update XX/XX/XXXX. sent statements to show payments on account each payment was paid and not reported on XXXX  removed score points from my credit score.Iam reporting american express for not clearing up this matter this was agreed on my account when open.both never replied back I give c.f.p.b. my permission to pull my XXXX credit report.all document in this conplaint copies sent to c.f.p.b. by certified mail
Product: Debt collection

I was contacted by Receivable Solutions, Inc. in XXXX, SC about medical bills. I received my first statement XX/XX/2020 showing a balance of {$3400.00}. I made a payment of {$100.00} in XXXX, XXXX, XXXX, and XXXX of {$100.00} each month. The next statement I received was dated XX/XX/2020 with a balance of {$3000.00}. I sent a payment in XXXX of {$100.00} and received an XXXX statement with a balance again of {$3000.00}. The next statement was dated XX/XX/2020 with a balance of {$690.00}. I sent {$100.00} payments in XXXX, XXXX and XXXX. The payments in XXXX and XXXX were never deposited. They contacted me in XXXX and I asked them at that time for a printout showing the payments I had made and how they were applied. I have received nothing from them since. Today they called me and told me I needed to make payments. I told them I won't make another payment until I receive a statement of some kind and reminded them that my two payments were never deposited. The girl on the phone made excuses about how the mail has been unreliable because of the pandemic. This company has no website to check your balance. There's no way to make an online payment. I can make a payment over the phone with my debit card but get no receipt or statement to show the payment was made. I do not trust that this company is honest or legitimate. Their communication with me has been so erratic that I don't believe them to be a reliable business.
Product: Credit reporting or other personal consumer reports

I sent off dispute letters to Experian, XXXX XXXX XXXX asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit. I was shocked to learn I have been a victim of identity theft. I found one account XXXX XXXX account number XXXX 

on my credit report that was not open by me. 
and addresses that im not associated with. 
( XXXX XXXX XXXX XXXX Illinois XXXX ) and ( XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Illinois XXXX ) this account was already removed off my credit report days ago and has been reappeared which is completely illegal this has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report immediately. I have attached my ftc report. please view attachments. 
remove this account and these addresses as they don't belong to me. please see attached. this account is not showing on any other bureaus only Experian.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have TRANSUNION accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. TRANSUNION has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
Product: Mortgage

For two months ditech Financial LLC has failed to apply our mortgage payments to our account. This payment transaction is an automatic bank transfer from my checking account to ditech. There have been no problems with the transfers as my bank statement clearly indicates they 've taken the money on time every month. Two months ago I called and spoke with a service representative after my monthly billing indicated that I was behind on my payments. The rep explained that apparently their system had an issue but that we were current on our payment and not to worry the system would " catch up '' before our next billing period. My wife and I came home last week to find a notice on our front door instructing us to call ditech about a problem with our account. We called and talked to another service representative who, after some discussion, told us the system had a coding issue and while we were current it was n't being applied to our account correctly but had been corrected on XXXX/XXXX/2016. Today in our mail there was a notice from ditech claiming we owed them {$500000.00} and a second notice from a collection agency. So the long and the short of my problem is that I 've been sent to collection by ditech for mmoney I do n't owe them. A call to ditech again ended with me being told there is no problem. So my question is how do I fix the damage done to my credit scores by a company that seems to have no interest in repairing their problem and what do I do next month when this happens again? 

XXXX XXXX
Product: Debt collection

I received a withdrawal letter dated XX/XX/2019 from the law firm of XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX., XXXX, CT XXXX. tel # ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( myself ) w/out costs to any party regarding a reinstatement refinance that I inherited from my late father. I am the successor of interest to the property where I reside. The attorneys were paid over {$3000.00} by me included in the {$18000.00} reinstatement fee wired to Wells Fargo Bank on XX/XX/2019. After that date, I received a letter from XXXX employer, Wells Fargo stating their attorneys wanted {$1900.00} more. I called & emailed the XXXX firm 3xs asking what the fees were for. They will not and have not responded. I called & faxed Wells Fargo many times regarding the fees. Wells will not say what the fees are for. The attorney fees were initiated XX/XX/2019 after the wiring and withdrawal. Please, look into the over inflated attorney charges. I want XXXX to show me in writing what the charges are for & the dates when all these extra charges occurred. Wells Fargos contact is XXXX XXXX. XXXX # XXXX Ext. XXXX XXXX XXXX XXXX. 
XXXX XXXX, IA XXXX. Ms. XXXX will not respond to that question. XXXX law firms address is XXXX XXXX XXXX, XXXX, CT XXXX. Tel # XXXX.
Product: Credit reporting or other personal consumer reports

Discover Card closed my account then gave my information to one of my jobs and reported it to the three major credit bureau and credit report shows closed with a balance then showed open with a balance and shared my information with jobs address with other credit card companies Ive asked Discover Card XXXX times to remove my information and stop selling/sharing my information.
Product: Credit reporting

I have creditors that are time sensitive debts that are over ten years old and by Oregon state law it is my understanding they should no longer be on my credit report. What information can you provide me to help remove these creditors from my report?
Product: Credit card

I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute the reporting of an inaccurate balance on a charged-off account listed on my credit report by Barclays Bank Delaware account XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, yet this account is incorrectly reporting a balance despite being charged off. 

Nature of the Dispute : Incorrect Balance Reporting : A charge-off is an accounting action indicating that a creditor has written off the debt as uncollectible. However, Barclays Bank Delaware continues to report a balance, which may mislead creditors and negatively impact my credit profile. 
Potential FCRA Violation : The continued reporting of a balance on a charged-off account can be considered inaccurate or misleading under FCRA guidelines XXXX If the original creditor has sold the debt to a third party, it should no longer report a balance, only a charge-off status. 
Failure to Update Credit Reporting : Despite my previous attempts to dispute this issue with both the creditor and the credit bureaus, the inaccuracy persists.

Requested Action : 1. Investigation & Correction : I request that CFPB investigate Barclays Bank Delaware for its inaccurate reporting and ensure that the charged-off account reflects a zero balance if the debt has been sold or is no longer legally owed to the original creditor.

2. Verification of Compliance : I ask CFPB to ensure that the creditor is in compliance with all FCRA regulations regarding charge-off reporting. 
XXXX. Immediate Update to Credit Bureaus : If the balance is being improperly reported, I request that the CFPB direct the creditor to update the account information with XXXX, XXXX, and XXXX to reflect the correct status. 

I have attached copies of my credit reports showing the inaccurate reporting showing the reported balance that have been recently updated in 2025 despite being charged off I request that CFPB take immediate action to resolve this matter. Please provide a written response outlining the steps being taken. You may contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Credit reporting or other personal consumer reports

This collection called appears on my credit report and I never did business with them. The account number that they have is the same account number that I have on credit cards that are on my credit report.
Product: Credit card or prepaid card

I had a JCPenney credit card and had processed two charges via my bank, however, through the online bill pay. 

I have sent confirmation information over to Synchrony Bank who manages the JCPenney credit card accounts. Below are the dates of the payments : Payment 1 sent XX/XX/19 for {$80.00} Payment 2 sent XX/XX/19 for {$100.00} I also confirmed with my bank the payments were sent to Synchrony Bank XXXX XXXX XXXX, XXXX FL XXXX. In addition my bank has confirmed the payments were NOT returned. 

I have communicated this multiples times and Synchrony will not accept my documentation as they have referenced it is not acceptable. However, I've received a letter to inform me a credit has been processed to the account, which is then followed up with a letter rescinding the previous credit. 

There must be a way to research the payment items, I have provided Bank information, confirmation numbers, Bank Routing number, dates, amounts and times, as well as, confirming address.
Product: Vehicle loan or lease

Paid off loan but the company has refused to give me my lien release. Moved out of state and need to get tags and they keep giving me the run around about my lien release
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX GOT AN OLD COMPLAINT AND RESPONDED TO THAT I WAS SPEAKING ABOUT A NEW COMPLAINT FOR ONE ACCOUNT WHICH WAS THE XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT I SENT THE NOTARIZED DOCS THE RESPONSE THEY SENT BACK WAS FROM AN OLD COMPLAINT THIS COMPLAINT WAS ONLY FOR ONE ACCOUNT WHICH WAS XXXX XXXX NOT MULTIPLE ACCOUNTS ONLY ONE THE ONE EQUIFAX RESPONDED TO WAS IN XX/XX/XXXX THE ONE I WAS TALKING ABOUT WAS XX/XX/XXXX THIS WAS THE WRONG AND ALSO AN OLD COMPLAINT responded Status Company responded Closed with explanation on XXXX Response Type Closed with explanation Company 's response *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. Equifax has reviewed the complaint and its records. The following disputed items are currently not reporting on the Equifax credit file : XXXX XXXX, XXXX XXXX, XXXX and XXXXThe additional disputed inquiries are currently not reporting on your Equifax credit file.Written confirmation was mailed on XX/XX/XXXX.
Product: Debt collection

Westlake Financial Services has called me XXXX times from XXXX XXXX XX/XX/XXXX, usually up to 3 times daily. On XX/XX/XXXX, XXXX called XXXX times in XXXX XXXX hours : the first call at XXXX XXXX, the XXXX  at XXXX XXXX., then again at XXXX XXXX, and again at XXXXXXXX XXXX 
XXXX XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m. That is XXXX times in XXXX DAY!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again another XXXX times a day. 
XX/XX/XXXX : XXXX a.m., XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., a total of XXXX calls. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This brings the total number of calls in the half of XXXX to XXXX calls, which ONLY includes the calls labeled as XXXX XXXX. As there have already been XXXX calls made this month, I expect a harassing amount of calls for the remainder of the month.
Product: Credit card

I have talked to the American Express creditor on various occasions even contacted the executive office in regards to this issue. My account was not closed by me and neither do they have any record or recorded conversation where I said to closed the account. My name and identity was stolen and this is causing me to have a lower credit rating due to this closed account. See attached letter where they claim information but no facts to their statement or decision to resolve the matter. I need this account deleted from my records.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their 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 {$390.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased a home on XX/XX/XXXX, through The Home Lending Group, located at XXXX XXXX XXXX, XXXX, MS XXXX, contact number XXXX. I was contacted by XXXX XXXX, contact number XXXX, regarding the fact that they were having difficulty in selling my loan to XXXX XXXX. They advised me to have modifications made to my homeowners insurance policy to meet the criteria that XXXX XXXX   required. This would increase my monthly mortgage payment by {$70.00} per month. However, once I advised them to send me that request in writing they advised me that they had been able to have XXXX XXXX  to make an exception in my case! At that point I was called by another representative and asked to make my mortgage payment that day XX/XX/XXXX because XXXX XXXX  wouldn't be able to buy the loan until I made the payment which is documented as {$740.00}. I have paid this mortgage amount for the last two months and I have received a statement from XXXX stating that my mortgage payment is now {$770.00} and will be {$780.00} monthly for XXXX. While the amounts are small I do not understand how my mortgage payment can change during the first year. Additionally, the Home Lending Group is the most unprofessional mortgage company I have had the misfortune of dealing with, the incompetence was and is astonishing.