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

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

I have never opened any of these accounts. Please review this and remove this as soon as possible.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank XXXX XXXX, XXXX, XXXX and XXXX  XXXX XXXX XXXX have inquiries that were not authorized reporting to my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Request for Documentation Regarding Debt Ownership and Assignment To Whom It May Concern, I am writing to formally request documentation and information regarding the ownership and assignment of a debt that has been reported on my credit history by RC Willey and XXXX XXXX XXXX ( XXXX. ). I believe there may be discrepancies and misleading practices surrounding the assignment of this debt to a third-party collections agency, and I am seeking clarification through this formal request. 
The details of my situation are as follows : * Account Information : * Creditor : RC Willey * Debt Type : [ Specify the nature of the debt, e.g., credit card, loan, etc. ] * Account Number : [ Specify the account number, if available ] * Original Debt Amount : [ Specify the original amount of the debt ] * Date of Charge-Off : [ Specify the date of charge-off as indicated by RC Willey ] * Conflicting Information : * I have received conflicting information regarding the status and ownership of the aforementioned debt. In correspondence from RC Willey, it was indicated that the debt associated with the account had been charged off. However, I subsequently learned that the debt had been assigned to XXXX XXXX XXXX for collection and recovery. 
* Request for Documentation : * In light of the conflicting information, I am kindly requesting the following documentation and information to establish the accurate ownership and assignment of the debt : a. Proof of Debt Ownership : Please provide documentation that clearly demonstrates the ownership of the debt by either RC Willey or XXXX XXXX XXXX. This could include contracts, agreements, or any other relevant documentation.b. Debt Assignment Documentation : If the debt has been assigned to XXXX XXXX XXXX, I request documentation that outlines the terms and conditions of this assignment. Please provide any agreements, records of transfer, or other relevant documentation that support this claim.c. Contact Information : Please provide the contact information for a representative from RC Willey who can confirm the debt 's status and the assignment to XXXX XXXX XXXX, or alternatively, provide the contact information for a representative from XXXX XXXX XXXX who can address these matters. 
I am deeply concerned about the accuracy and transparency of the information being reported on my credit history. It is essential that I have access to clear and verifiable documentation to fully understand the ownership and assignment of this debt. I am committed to resolving this matter in a fair and responsible manner, and I believe that having access to the requested documentation will aid in achieving a just resolution. 
Thank you for your attention to this matter. I look forward to your prompt response and the provision of the requested documentation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I investigated my credit report and have found several items that are a result of identity theft. Please remove all inaccurate, unverifiable and fraudulent information off of my report to prevent further damage immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sold XXXX XXXX for {$230.00}. I accurately completed a request for transfer of these funds to my bank account. To date, this has not occurred. I have repeatedly emailed Gemini concerning this issue. I repeatedly get vague answers as to my refund or no response. I am requesting {$230.00} be wire transferred to my bank account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX XXXX XXXX plus more.
Product: Mortgage

I live in Florida, since we had XXXX XXXX I heard on TV that the banks will provide a relief to Owners in order to wave three monthly mortgage payment, I called Bank Of America who own my mortgage and they explained that I will to pay a lump sum on XXXX, the three monthly payments and the fourth Monthly ( XXXX ), I request help because I can not pay my next mortgage Payment and they provide only postpone the payments but immediately due at the fourth month, I request to the representative of Bank Of America to get in writing the terms of that relief and he refused to provide the terms in writing, he said, if you agree I can set up this temporary change, but I have to trust only verbally what he says is all about, I wonder if I can not pay the whole amount in XXXX what will be the consequence since no documents in writing are available. 
I think this bank is not really interested in provide in these hard times any kind of relief because what they offer is not really help to the people in needs right now, Please I beg your help in this matter to try to get the helping hand we really need, thanks so much.
Product: Student loan

In XX/XX/XXXX my wife ( at the time ) and I decided to consolidate our student loans after being married for 2 years. XX/XX/XXXX rolls around and the marriage is ended but the student loans we consolidated our still both of our obligation from the divorce decree. Several years go by without any issues paying the loan from both ends until XX/XX/XXXX or XX/XX/XXXXthe ex-wife started to get behind on her part of the student loan payment. After a couple months of being late I called the company that was handling the loan to discuss separating/splitting the loan. There has been so many sales of this particular loan that I couldn't even tell you at the time who was holding the note. After expressing my concerns to the loan company and pleading with them to split the loan so my credit wouldn't take a hit, they told me this type of loan can't be split. I even suggested paying off my portion and then rewrite up the papers with the amount that the ex-wife owes with just her name on the loan and they said " NOPE ''. Even if I was to payoff my portion of the loan, I would still be responsible for the ex-wife 's portion because they will not take my name off the loan. This is the most XXXX thing I ever heard of, especially when it is supposedly a "

Federal Loan ''. Now it i
s XX/XX/XXXX, the ex-wife is again 3 months behind and I'm stuck paying the payment because I actually care about my credit. I discussed having each of us take out a personal loan or our own monies to payoff this particular loan so we wouldn't be tied together on it. The ex-wife can't afford to do that nor does she have the credit to take out a personal loan to payoff her portion. 
Maybe I should have asked more questions before signing this type of consolidated student loan. It was 15 years ago that we signed this loan, we've been divorced for 13 years. I would think after a certain amount of time passes from signing the loan, the restrictions would be lifted a bit. This the most frustrating thing I've ever dealt with, especially knowing that I can payoff my portion today. The reason I don't pay my portion off is because it does me no good and the loan still shows up on my credit report. I have a credit score of 790+ and I'm ready to ruin my credit score by walking away from this loan. I thought I got screwed during the divorce but this seems worse Nelnet is currently holding the loan
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I joined a promotion of XXXX XXXX XXXX in XXXX in Citi Bank XXXX XXXX branch, that is I deposited {$50000.00}, I can get a XXXX gold tiger, it cost around {$250.00}, the bank promised I can get it before XX/XX/XXXX, but I didnt get it at that time, when I got to the branch, they told me they dont have it for me. I reported a complaint to you on XX/XX/XXXX, then I received an email from Citi Bank company on XX/XX/XXXX, they told me that they sent me a new XXXX XXXX XXXX Promo gift on XX/XX/XXXX and it can take XXXX weeks to arrive. But it passed almost XXXX months, the branch havent received it yet. When I called Citi Bank, they told me that they didnt know the status, maybe it was lost on the road, and they didnt have the tracking number. After that, they didnt answer me any email.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit that systems, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS CAUSED SERIOUS DAMAGE.
Product: Vehicle loan or lease

At lease origination, my contractually-documented residual value was determined to be {$19000.00} for my 2020 XXXX XXXX XXXX 

At the end of my lease, my account was debited for an extra lease payment because Chase XXXX does not stop charging automatically at the end of the lease term and it is the responsibility of the customer to manually stop payment set up in their system. When I called to report the overpayment, I was told by Chase customer support that this amount would be used to reduce the payoff amount on my vehicle. 

I was charged {$420.00}, which should have reduced my payoff to {$18000.00}. 

I was told to pay {$18000.00} to purchase my vehicle after this extra payment. This is a difference of {$90.00} that was taken by Chase with no explanation.
Product: Credit reporting or other personal consumer reports

Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Product: Mortgage

My loan was sold from XXXX to Specialized Loan Servicing. XXXX XXXX promised not to do this, but that is a separate complaint ). 

I called specialized loan services to make a payment and they want to charge me almost 13 dollar in fees. When my loan is sold I was under the impression terms were not allowed to change. 

I can not even get a person on the phone for Specialized Loan Servicing because of their phone menu. ( I implore you to try it ... it is a test of patience, and is designed to deny customer 's ability to get help ). 

I tried using the online service and it wants me to setup cell phone two factor things, and other confusing things. They recommend calling their support number for help and then don't let you get a person. 

I can't find my account number, can't get ahold of anyone, have no idea how to pay, and am being forced to pay an extra almost 13 dollars per month.
Product: Mortgage

I currently have mortgage insurance on my mortgage account. I have enough or even more than 20 % equity in my property however the current lender refuses to remove mortgage insurance of my mortgage account without making me to refinance. 
They called me to ask me to do refinance cash out since I have more than 100K equity but when I asked to remove mortgage insurance they said i dont have enough equity. 
Ive been calling and trying to reach out numerous times but they keep transfer me around and cant give information. 
They dont even give me an option to actually do an appraisal to check on the value of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 Section 602 A. States I have the right to privacy. 

These addresses do not belong on my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this negative, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXXIm requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Bank Statement as verification of my ONLY address.
Product: Debt collection

I left XXXX 5 years ago. Then all of a sudden, they're saying I owed them money well. I ported my phone number out and you can not port the phone number out if you have an outstanding bill. All of my stuff was paid in full. 
This debt collector is stating that I started owing the debt in XXXX. Which is very, very wrong because it's more like XXXX. But I was paid in full when I ported my number out.
Product: Debt collection

On XX/XX/XXXX, I received an email from XXXX  that I had been marked delinquent on a Kia Motors Finance bill. My credit plummeted more than 100 points. I turned my Kia in that past XXXX for a XXXX. I called Kia the second they opened on Monday and it turns out I had a {$120.00} payment from something that they screwed me over with for not returning it to them. 

I paid it right then and there and then asked for it to be taken off of my credit because I had absolutely no contact from Kia that I had owed anything. They asked me for my address and I gave it to them and they told me that it didn't match my address on file. They had my old apartment address. However, I had in my hands ( miraculously saved ) a lease end kit that they had sent to me at my house -- -thus proving that my address was SOMEWHERE at Kia , They told me I could write a letter to dispute, but there is no phone number or email address to get in contact with the credit department XXXX I did that day and also opened a dispute with XXXX. 

Both disputes came back saying that they were not in the wrong and that it will stay on my credit until XXXX of XXXX. I have 6-8 years of on time lease payments to Kia. I paid that bill the second I knew about it ( from XXXX, never from Kia ). I have NEVER missed a payment on anything. At one time, there were five Kias in my family 's driveway. I called the number at the bottom of the Kia letter and was told that a manager would call me back in 24-48 hours. 

A very rude manager called me back and basically told me it was my fault for not changing my address and they had searched the system to send me the lease end kit, but could not answer my question as to why that same courtesy wasn't given when I was not responding to a bill that was way less than my lease payments. She told me I could open a credit dispute with XXXX  and in the middle of telling her that I had already done that she claimed that she could no longer hear me, jumbled out an 800  number with no warning and hung up. I called back the number that had called me, talked to a lady that gave me another number to call, and called that number. That woman told me that the original manager was giving me the number to the credit union and that she disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX  that I paid off back in XXXX or XXXX. When I paid it off I told them to close it because I had only gotten it for tires, however they did not close it and someone gained access to it and maxed it out. I have disputed the transactions with XXXX, and was told that because whoever used the card new the cvv code ( they had the physical card because it was not in my possession so of course that had the cvv ) and they knew my zip code ( a simple google search of my name would have given them this, and my name is also on the card ) that the transactions were valid. Theyve now reported the account as a charge off and sent me to collections, so I disputed the account with experian and they stated that the creditor says the account is accurate but its not and Ive been trying to get this fixed for over 6 months.
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX XXXX is XXXX XXXX XXXX XXXX Texas XXXX My account number is XXXX My social security number is XXXX My birthday is XX/XX/XXXX XXXX I have a twin. We are born XXXX minute apart. Her name is XXXX XXXX and my name is XXXX XXXX. We have the exact same birthday. Also our socials are almost the same. My twin recently applied for a capital one Quick silver car ore approval card. Exactly after she got approved for it they gave Me an hard inquiry & I believe her as well. I did not have anything to do with her pre approval. All I did was give her a refer a friend link thats it. Our information is incorrect. I do want this removed. According to 15 U.S.C 1681 this must be removed. Thankyou so much.

CAP ONE NA Inquiry date XXXX XXXX Removal date- XXXX  Type - bank credit cards Phone number - XXXX Ive called them but they told me to call XXXX and Ive called XXXX and they told me to call capital one so now I need it removed because this is incorrect information we are XXXX different people.