23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to check my credit score, and noticed it had dropped 50 points, due to a report from Universal Recovery attempting to collect a debt from XXXX XXXX. I had joined this gym for one month at a rate of {$19.00} a month, but, since I was moving, closed the account. I was informed the account was closed and recieved no notices, mail, advertisements etc. from them since, and this was a year ago. The recovery department is trying to say I owe over {$100.00}, which is absolutely false, and I need this reversed immediately as it is affecting my credit.
Product: Credit card or prepaid card

I have listed all the complaints in the attached documents. The complaint is about Citibank selling my account to XXXX XXXX XXXX, but neither of them is ready to take responsibility about the errors on the account even though I sent I disputes to both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become a victim of identity theft. I recently pulled my credit report and found fraudulent accounts on my credit profile that need to be removed immediately. This has ruined my life. I see several accounts for various amounts of {$29000.00} ; XXXX ; XXXX ; XXXX ; etc. I have tried contacting the company about these accounts and nothing was done. I simply ask that these accounts be removed. I have not given any company authorization to furnish anything to my credit profile which is a direct violation of my privacy and rights as a consumer. Please fix this issue.
Product: Credit reporting or other personal consumer reports

I can't see my credit report because my identity can't be verified. I'm a victim of identity theft and I need help I'm losing the battle by myself. Bank accounts and loans and credit cards are being used in my name fraudulently. I need assistance please.
Product: Mortgage

My escrow accounts keeps failing into the negatives. I havent missed any payment so Im not understanding why Im constantly having a negative escrow balance. I tried to call company but the phone system isnt allowing me to speak to anyone. I feel like my payments is being mishandled and Ive had similar problems before on this issue.
Product: Credit card

I have contacted XXXX and XXXX many times to dispute this Chase account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has expunged the records re. my fraudulent amount owed/civil suit and still not refunded by money due, almost 10 years per my recent XXXX letter and their reponse dated XX/XX/XXXX. Incidentally the account no. is reference incorrectly as XXXX. 
Audit previously submitted to you, recent laptop spreadsheet hacked into and numbers changed via XXXX? stream laptop connection not mine. I have an XXXX. Reported to Midland Credit Management website and XXXX County Sheriff and FBI voicemail today. 

This appears to be a continuing ring around the rosey/russian roulette of escalated/debt errors not addressed, debts turned over wrongfully and change of CEO and company names. This has happened for XXXX, XXXX, XXXX XXXX XXXX and XXXX. How do they keep on getting away with this? I expect suspects are using my own financial resources to pay for taxes on my paid for home. Targets.
Product: Credit card

Amazon store card was in excellent standing, i started it in XX/XX/year> at {$300.00} limit... I was increased to {$500.00} limit and never was late on my payment... Everytime I made a payment it took minimum of 5 days to post i did nothing wrong and was building my credit to have them take it from me and diminish my score not fair and not acceptable i wish to seek legal action if it's something i can pursue... They also said i had a rejected payment and the same day it was rejected it was also accepted ( enclosed is a screenshot ) that is their reason for canceling my account.. i don't understand why they can do that they really screwed me up
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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: Debt collection

Please see attached explanation. 
To this Ocwen is filing a preforeclosed procedure after our bankruptcy discharged in XX/XX/2018, started the letter of post petion pay we so called owed, and now retracting stating we owe several months of non payment ( 6months ) of which 5 were received but XXXX payment was returned. Mailed a check with certified letter, responded by returning our check mortgage payment but no expln.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has not removed the tradelines from my credit report in my wifes name. They agreed to do it based off the lawsuit settlement. I disputed for them to remove and they refuse to. I even disputed with the three major credit reporting companies. 

Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately
Product: Credit card

Somebody made unauthorized 2 bill pays from my XXXX XXXX checking account to Capital One credit card XXXX. Account name is XXXX XXXX. Total amount of 2 billpays is $ XXXX Please reverse this amount to me. It is for XXXX XXXX XXXX and I am XXXX XXXX XXXX. Please help me so I can no longer suffer. 


XXXX : unauthorized bill pay $ XXXX unknown person used my checking account to make a credit card payment to Capital One for {$3100.00}. 
The capital One credit card number ends with XXXX and the name of account is XXXX XXXX. I do not know her or him. Reported XXXX XXXX on XXXX XXXX. XXXX case no. is XXXX. 

XXXX : unauthorized bill pay $ XXXX unknown person used my checking account to make a credit card payment to Capital One for $ XXXX The capital One credit card number ends with XXXX and the name of account is XXXX XXXX. I do not know her or him. Reported XXXX XXXX on XXXX XXXX. XXXX case no. is XXXX. 

I enclose all the proof. 
-Police report -unauthorized payment proof for $ XXXX -unauthorized payment proof for $ XXXX XXXX XXXX statement XXXX XXXX letter XXXX Thank you XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX Balance : $ XXXX : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX XXXX XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )
Product: Vehicle loan or lease

XXXX Honda financial services Some time ago I tried to reach a payment agreement with this company they called me and no agreement was reached then I called to return the car and I still have no answers they said they would contact me and to date they have not, I want know where I should return the car and that it does not cause me more economic damage and even though now I will not be able to pay more in the future you will be harassing me with the remaining debt since I am sure that in the auctions they get the worst possible price, thanks I want to see the way to return the car
Product: Checking or savings account

On XX/XX/24 I used my debit card twice and they locked my account saying it was fraud. No texts no emails notifying me just simply locking my account. I called the fraud department and provided them with all my information and they said they still couldnt verify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX Balance $ XXXX- This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance {$4500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Debt collection

Aldous and Associates falsely Reported collections on my Credit Report! 
This is not my account, Nor has this company contacted me to prove so!
Product: Debt collection

This company is calling prior to XXXX XXXX and leaving long voice mails of nothing but air and breathing. I looked up the number to see it was a debt collection agency by the name of Professional Debt Mediation , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I discovered inaccurate information including my name, address and phone number. I sent a letter to Experian, however the incorrect name, address and phone number have not been removed from my credit report.
Product: Debt collection

Fwd : LOSS MITIGATION LIABILITY Thu, XX/XX/XXXX XXXX pm XXXX To XXXX XXXX Sent : Thu, XX/XX/XXXX XXXX pm Subject : LOSS MITIGATION LIABILITY Dear XXXX XXXX, This is to inform you of the progress we are making with Bank of America. 

The Company Bank of America is claiming it has no Liability in reference of the mishandling of this Loan during the XXXX XXXX. 

We are going to face the Foreclosure of this Property and sue Bank of America for Fraud, just like we did with the twin property number 1, at XXXX XXXX XXXX in XXXX. 

The Justice Dept. ruled in our favor, resulting in Principal and Interest reduction as compensation for the financial injury we suffered during that Crisis. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

The company sends out reminder emails staring my payment is on a specific day but the payment is taken prior to the date mentioned in the reminder email. This causes payments to bounce and overdraft fees in my account.
Product: Debt collection

In XXXX I had to have XXXX for XXXX. As unit owners we were to pay an additional {$400.00} per year to our property manager/HOA. This is for our reserve account. I could not pay in XXXX or XXXX and made the management company aware of such. On XX/XX/XXXX I made full payment and restitution for the years XXXX, XXXX, and XXXX in its entirety. Again, the XXXX payment was made for the ENTIRE year of XXXX and the payment was made in XXXX of that year. Unfortunately, the property management company continued to bill me each quarter at {$100.00} per quarter. The property management company charged me over {$300.00} for XXXX quarters of reserve payments already paid in full in XX/XX/XXXX. They then began imposing late fees on those charges. Subsequent to a complaint and my pointing out to them our bylaws demand an annual audit, they turned these false charges into a collection agency of Schwartz Vays, XXXX, Florida and accelerated my HOA fees for the remainder of the year. This happened in XX/XX/XXXX. This action was taken out of retaliation and they keep reminding me I have no rights within the XXXX community due to these false charges and have I can not vote at our meetings until the debt is satisfied. I have hired an attorney and we are pursing every legal action necessary for this to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with numerous XXXX agents as well as Apple Card agents from Goldman Sacs Bank USA to get these account review inquiries removed from my XXXX credit report, and have had no success whatsoever getting cooperation from either XXXX or Apple Card from Goldman Sachs Bank USA. I am so frustrated and so tired of having to deal with these agents that are unwilling to help me and being one hundred percent unwilling to help me regarding this issue. They are fraudulent and I am a victim of identity theft. There are also two sets of inquiries with the same dates on each of them. These are listed below : APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX APPLE CARDGS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Product: Credit reporting

XXXX has continued to report a charge-off giving me a bad credit rating with the credit bureaus. XXXX XXXX and XXXX have deleted this erroneous report from their rcords. Experian, however, after XXXX investigations, have not deleted this charge-off, nothwithstanding evidence submitted to them that XXXX had settled with me in an accord and satisfaction completed years ago, yet still report this charge, thus giving me an adverse credit history.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Product: Debt collection

Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.
Product: Credit reporting or other personal consumer reports

My data was leaked in a breach twice and my information was used to open accounts that personally did not open and have no knowledge of these accounts until it was put on my credit report in error. I would not pursue complaints or identity theft reports if these accounts were mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This is the agency reporting the inaccurate and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with Credit Control, LLC., account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX
Product: Debt collection

I had summited a claim regarding this with another company and it had been removed but that company sold my dept to this new company and its showing that its a new re opened collection ... 
RECEIVABLES PERFORMANCE MGMT {$0.00} {$630.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$630.00} Balance XXXX Original Creditor {$630.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Joint Account Responsibility -- Remarks NoteXXXX, XXXX. 

XXXX XXXX, XXXX XXXX {$630.00} Re : XXXX XXXX Reference No : XXXX Dear XXXX XXXX : It is our policy and procedure to honor requests for no phone calls. On behalf of XXXX XXXX XXXX XXXX we apologize for any inconvenience or embarrassment you may have been called. Your comments have been referred to the appropriate department for investigation. 
Please accept this as confirmation XXXX XXXX XXXX XXXX has closed its file and discontinued collection efforts on the account. 
Sincerely, Consumer Affairs on behalf of XXXX XXXX, XXXX. 
Toll Free No : XXXX This communication is from a debt collector this company is trying to collect a collection that was sold to them when we had came to agreement with other company.
Product: Checking or savings account

On XX/XX/2022 I was a victim of scammers who posed as USAA representatives to access my account. I immediately contacted USAA and they immediately refunded the money to my accounts and issued me new debit cards for my checking and savings accounts. I received my cards and thought everything was fine until I attempted to do a mobile deposit and was not allowed. I then called USAA and was told a ridiculous hold time of 3 hours on the automated phone system. So I reached out via USAA members chat on line. I was informed that it may take up to 3 days for the fraud department to put my account back to normal. Today is XXXX XXXX and my account is still frozen and I cant reach anyone at USAA to discuss this and I can not access my money. There is no branch to go into because this is an online credit union. They have blocked my calls from coming through because the account is flagged.
Product: Debt collection

I contacted you three months ago regarding this company and their tactics. They have called my daughter and myself and left message threatening to send the police to my job and home with a subpoena. I do not owe this money. They are claiming this is in reference to XXXX debt. This is a debt likely purchased from XXXX but I filed bankruptcy year ago and do not owe this.I called and they called me names and have continued to harass me. They left multiple messages on my and my daughters phone claiming a complaint has been filed against me.I actually just received a check from a class action suit against XXXX. They also refuse to send written documentation of the debt
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The accuracies are highly injurious to my credit score XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.