23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CBE group has called me maybe 20 times in the last week about IRS debt collection for an old partnership that is inactive. I called the IRS to make sure there was nothing owed. They show it as a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX Please DELETE.
Product: Credit reporting or other personal consumer reports

I made a wire payment to my American Express Account ending in XXXX for {$610.00}. This wire cleared my bank and was received successfully by American Express. They did not apply this ON TIME payment and then reported my account late and my score drop XXXX POINTS!!!!! 

They are completely negligent and I have sent proof to XXXX and they simply remained unchanged after XXXX. What is happening!!??? Why are all these massive institutions so corrupt and never accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FLXXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, transunion and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, XXXX or transunion, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
Product: Consumer Loan

Problem making initial payment - Received an auto loan from Santander Consumer XXXX XXXX. Got loan on XX/XX/XXXX and the first payment is not till XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XX/XX/XXXX. I called and they would not back up first payment date from XX/XX/XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this Santander finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my XXXX XXXX checking account o start an auto debit through the bill pay and XXXX did not have them as a an available bill pay vendor and said they would have to send a paper check to Santander. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX and lets see how long it takes to post to my account.. I am very upset with Santander and XXXX ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX Santander, XXXX
Product: Student loan

I am person a consumer a natural and not a credit agent person trying to fix thus stuff becuz they is messing my lyfe is being messed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Wells Fargo incorrectly reported my payment status in XX/XX/XXXX, and again in XX/XX/XXXX. They are reporting my payment as 30 days late, when I paid my XX/XX/XXXX mortgage on XX/XX/XXXX, and I paid my XX/XX/XXXX payment on XXXX, and Wells Fargo reported both payments as 30 days late, my mortgage is due on the XXXX, so by normal math mother payment was 30 days late. I called wells Fargo in XXXX to dispute the XX/XX/XXXX report, as I'm trying to secure an equity loan, and they came back and it was reported correctly, even though they confirmed and my bank account reflects the payment being made prior to being 30 days late. I'm now afraid to dispute the XX/XX/XXXX report because they put comments on my credit report that I disagree. I need help, their inaccurate reporting is messing with my credit and my ability to secure an equity loan.
Product: Mortgage

Our house was destroyed during Hurricane Irma. We are in a FEMA declared disaster area. We have 35 % of our home remaining inside! We were given forbearance from Chase thru XX/XX/XXXX since they denied us a modification. Chase Mtg has reported that we are behind more than 60 days on our mortgage. This is the 2nd and third time they have done this. The first time a month ago was corrected, now they have reported to credit agencies on Friday XX/XX/XXXX and then again on Monday, XX/XX/XXXX. 

We have called Chase Executive offices, we have asked them to please stop and correct, this has not been done. We have asked for a proper letter of apology and they issued one that does not state properly their inaccurate reporting. This is the 3rd time in 40 days they have dropped our credit rating and score more than 100 points. They are destroying our credit with other creditors because of this. This is unethical, unjust, unwarranted, and purely brutal on their part. They do not have a care, nor concern for their customers. To happen once, is one thing, but three times in 40 days!
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns with Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution failed to investigate these claims adequately. They informed me that recovering these lost funds were impossible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit card

Dear Sir or Madam : I had sent a complaint earlier : # XXXX regarding Citibank Credit Card notifying me that they had sent out gift certificates from their rewards program and failing to send them out without notifying the customer and not crediting the " Points '' used to the account for the gift certificates which were not sent out as " known issue '' to Citibank. After three emails with no response, Citibank finally answered and responded to your letter by posting the points from the gift certificates they failed to send because of " their known vendor '' issue. However, they fixed the problem in the account and I had check issued to me, but then Citicard debited my account for the gift certificates never received for the next month. So, instead of having XXXX worth of points for that month, instead Citibank double debited me. I find this incredibl especially after having a known issue, not sending the gift certificates despite emails saying ... your rewards are on their way, and then debiting me twice. They failed to respond to my emails until finally they answered back and said, you were debited for the gift cards which they never sent. 

Please review this case and hold them accountable. I spend over XXXX dollars a year with this credit card and they have been having issues with upholding their cardholder agreement and honoring their rewards programs. 


Thank you
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the XXXX major credit reporting agencies TransUnion, XXXX, and XXXX for failing to correct inaccurate information on my credit reports, despite my repeated disputes. 

The inaccurate information includes, but is not limited to : 1. Incorrect account dates ( opening/closing ).

2. Inaccurate balances that do not reflect the actual amounts.

3. Payment history errors, including false late payments.

I submitted disputes directly to each credit bureau requesting they investigate and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ). The bureaus responded claiming the information was " verified and updated, '' yet the inaccuracies persist on my credit report, which is unacceptable.

This failure violates the following sections of the FCRA : 1. Section 607 ( b ) : Credit bureaus must ensure the maximum possible accuracy of information.

2. Section 611 ( a ) : Bureaus must conduct proper reinvestigations and delete or correct unverifiable data.
Product: Credit reporting or other personal consumer reports

I have spoke with midland credit management and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged.

Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with GLBA and how it entitles them to report my non public information. According to GLBA, as attached in the documents, you are still violating my rights and this instance does not fall within the GLBA guidelines as an exception.

Remove this account immediately and pay the {$1000.00} per violation I requested last time for each time this has been reported.
Product: Credit card or prepaid card

XXXX XXXX XXXX, Sir XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX recently received a notice from Avant. I am a victim of identity theft, my information was sold to the dark web. I believe an Avant account has been opened in my name as a result of fraud. I have placed a fraud alert and credit freezes on all my credit reports so that I am to be notified of anyone trying to impersonate me or use my information illegally. I did not apply for any Avant product nor service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX*Balance : {$3900.00} XXXX XXXXXXXXBalance : {$0.00}
Product: Mortgage

We were behind several months on our mortgage. While we were working on a repayment plan, another department had started the foreclosure process. In XXXX XXXX we completed a Default Resolution Option to bring our mortgage current. We worked with the bank for a month or so and signed papers by the end of XXXX. When I did not receive any kind of bill or anything, I sent in my first payment in XXXX of XXXX, which they accepted. Then another two months went by and we could not get an answer to why we were not receiving any kind of notification so I sent another check for the agreed upon amount. That was returned back to us. In XXXX we received foreclosure paperwork. We went to the court everytime there was a hearing and even filed against the bank after a year of court dates every 6-8 weeks which they would never show up to. Unfortunately my husband became ill and could not go to court and the case was closed (? ). At the end of XXXX, XXXX we received notice that we could qualify for a Loss Mitigation Foreclosure Alternative. I spoke to US Bank representatives several times to clarify that I was understanding what I would have to do to save my home. They told me there would be three or four months of a high payment of about {$1400.00}, to 'prove ' that I was serious about saving my home, then the mortgage 'should ' drop down to under {$1000.00} per month ( I heard the representative figuring things, looking at approximate interest rates and estimated that the payment would be about {$900.00} ). I made my XXXX payment XXXX XXXX and continued until XXXX. At that time I was set up with the 'regular ' payments which was only {$50.00} less than the initial phase payments. All of a sudden no one knew why I was told that the payment would go down. So my mortgage of {$150000.00} suddenly went to over {$200000.00} because they added fees and interest ( which I do n't believe I was told about at the beginning ). 
Now I have checked out refinancing or seeing if I am eligible for the Hope program but no XXXX will finance over {$150000.00}. My house is worth about {$110000.00}. Today I owe about {$190000.00}. I am now stuck in my home, I ca n't sell it or refinance it because of everything they added to the original loan. I feel they were very deceitful and did n't want my home so they made me belive my house would once again be affordable after the initial 3-4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I recieved a security alert with XXXX about a recent credit application with Truist. I have no idea who they are or why they pulled my credit for an account. I called and spoke with several individuals who will not pass me over to a manager because they couldn't speak. I was on the phone for over an hour getting the run around and asking me they could not help me because i did not have my account number or card number to identify my account/I had already told them I have not applied for any accounts with this bank-He said no one can help me and for me to go straight into a bank -these people who are working for this company lack customer service and urgency ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, R ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX ONEMAIN XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Original creditor : XXXX XXXX XXXX Account number # XXXX amounts # XXXX This account is not my responsibility, it is the responsibility of the medical insurance at that time, I demand that it be investigated, corrected by the 3 credit agencies to be eliminated ... Immediately I hope that it will be collaborative since I am due to the worldwide medical situation. it is affecting the possibilities of being able to be emotionally at peace please ask for your collaboration ....
Product: Debt collection

I found items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 submitted a mobile deposit through Fifth Third Bank on XX/XX/2020, and it is being withheld from being deposited until XX/XX/2020. This mobile deposit is a payroll check from my job! I need my money NOW to pay my bills I am behind on. It should not take 12 days to verify and deposit my payroll check, thats ridiculous! When I called Fifth Thirds customer service, they were very rude, the supervisor even said she would not help me, and there was nothing she could do. Wouldnt even try to release my check to were I could cash it somewhere else, this was even after I advised her, I am about to have my car REPOED if I dont pay my loan as soon as possible, my bill is due XX/XX/2020, and Im already behind from being on bedrest for two months!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 10th Time XXXX XXXX " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting the following accounts with incomplete and inaccurate information. 

XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX Reporting the accounts with no DATE of LAST Activity -- -- -- -incomplete Reporting the accounts with worst delinquency as CHARGE off -- -- -inaccurate REPORTINg 90 days late XX/XX/XXXX7 -- -- -- -- -- -inaccuarte REPORTING PAYMENT HISTORY AS XX/XX/XXXX FAILED TO PAY -- -inaccuarte
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month of XXXX my credit score from Transunion was XXXX. I checked my score this month today is XX/XX/2020. Transunion dropped my score 100 points. This is total XXXX  XXXX and I'm getting very sick of this! When I checked what changed through XXXX XXXX. They showed XXXX XXXX XXXX  was removed. So if the collection was removed why am I being penalized a negative of -100 points to XXXX?